Insurance Plans Comparison
Star Special Care vs Star Health Cardiac Care Silver & Gold Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSpecial Care
Star Special Care
What Makes It Special:
Star Special Care is a specialised health insurance policy for children and young adults aged 3 to 25 years who are diagnosed with Autism Spectrum Disorder. It combines hospitalisation and daycare coverage with specified therapy benefits, including behavioural therapy, physiotherapy, occupational therapy and speech therapy
Best For:
Individuals requiring specified developmental support therapies
Parents looking for therapy-related coverage
Families seeking specialised health insurance
Young adults with Autism Spectrum Disorder up to age 25
Children diagnosed with Autism Spectrum Disorder
VS
Health Cardiac Care Silver & Gold Plan
Health Insurance for Individuals with a History of Cardiac Conditions
What Makes It Special:
Cardiac-Focused Health Insurance
Best For:
Customers seeking specified modern treatment and eligible AYUSH coverage.
Individuals seeking outpatient benefits at network hospitals.
Customers comparing Silver and Gold cardiac coverage options.
Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.
Individuals with a qualifying history of cardiac conditions or procedures.
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
The policy can be renewed until the insured reaches 25 years of age.
No pre-acceptance medical check-up is required.
Specified therapy benefits are available, including outpatient therapy.
Hospitalisation and daycare treatments are covered.
The product is specifically designed for eligible persons with Autism Spectrum Disorder.
Check the outpatient benefit limit and network hospital requirements.
Review the room rent limit and post-hospitalisation benefit limit.
Check the 10% co-payment applicable from age 61.
Understand the 30-day initial waiting period and other applicable waiting periods.
Review the 90-day cardiac waiting period.
Compare the cardiac coverage offered under Silver and Gold.
Check whether you meet the policy’s cardiac eligibility criteria.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Special Care Health Insurance Plan VS VS |
![]() Health Cardiac Care Silver & Gold Plan Health Insurance Plan |
| Room Rent |
|---|
Special Care Up to ₹5,000 per day |
VS VS |
Health Cardiac Care Silver & Gold Plan
|
| ICU Charges |
|---|
Special Care Covered as part of hospitalisation expenses |
VS VS |
Health Cardiac Care Silver & Gold Plan Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
Special Care 20% on every claim |
VS VS |
Health Cardiac Care Silver & Gold Plan 10% for insured persons aged 61 years and above at policy purchase or renewal. |
| Disease-wise sublimits |
|---|
Special Care Information Unavailable |
VS VS |
Health Cardiac Care Silver & Gold Plan Sublimits apply to specified treatments, including cataract and modern treatments. |
| Cashless Healthcare Providers |
|---|
Special Care Cashless treatment available at network hospitals |
VS VS |
Health Cardiac Care Silver & Gold Plan Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Restoration Benefit |
|---|
Special Care Not specified |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Cumulative Bonus |
|---|
Special Care Not specified |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Daycare Treatment |
|---|
Special Care All daycare treatments covered |
VS VS |
Health Cardiac Care Silver & Gold Plan Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Special Care Not specified |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| AYUSH Treatment |
|---|
Special Care Covered up to Sum Insured for eligible inpatient treatment |
VS VS |
Health Cardiac Care Silver & Gold Plan Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Special Care 30 Days |
VS VS |
Health Cardiac Care Silver & Gold Plan 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Special Care 24 Months |
VS VS |
Health Cardiac Care Silver & Gold Plan 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Special Care 36 Months |
VS VS |
Health Cardiac Care Silver & Gold Plan 36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period. |
| Modern Treatment |
|---|
Special Care Covered subject to applicable limits |
VS VS |
Health Cardiac Care Silver & Gold Plan Specified modern treatments are covered within the applicable treatment limits. |
| Annual Health Checkup |
|---|
Special Care Not Specified |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Pre-Hospitalisation |
|---|
Special Care Not specified as a separate benefit |
VS VS |
Health Cardiac Care Silver & Gold Plan Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Special Care Up to 60 Days, based on 7% of hospitalisation expenses or actuals |
VS VS |
Health Cardiac Care Silver & Gold Plan Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation. |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Specified outpatient therapies are covered |
VS VS |
Health Cardiac Care Silver & Gold Plan Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India. |
| Deductible Option |
|---|
Special Care Not specified |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Coverage Options |
|---|
Special Care ₹3 Lakh |
VS VS |
Health Cardiac Care Silver & Gold Plan Individual coverage with Silver and Gold plan options. |
| Claim Settlement Ratio |
|---|
Special Care Not specified |
VS VS |
Health Cardiac Care Silver & Gold Plan Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Special Care Not applicable |
VS VS |
Health Cardiac Care Silver & Gold Plan Not covered, except where the policy provides an applicable accident-related exception. |
Insurance Plans Comparison
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