Oneassure

Partner with us

Insurance Plans Comparison

Star Special Care Gold vs Star Comprehensive

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Star

Special Care Gold

Special Care Gold

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

VS
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

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

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Comprehensive

Information Unavailable

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Special Care Gold

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Comprehensive

Information Unavailable

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Waiting Period

Special Care Gold

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Restoration Benefit

Special Care Gold

Not specified

VS

Comprehensive

Information Unavailable

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Cumulative Bonus

Special Care Gold

Not specified

VS

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Comprehensive

covered by the policy.

Consumable Cover

Special Care Gold

Not specified

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Initial Waiting Period

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Special Care Gold

24 Months

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


VS

Comprehensive

Information Unavailable

Modern Treatment

Special Care Gold

Covered up to 50% of Sum Insured for listed modern treatments

VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Special Care Gold

Not specified


VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Comprehensive

Information Unavailable

Deductible Option

Special Care Gold

Not specified

VS

Comprehensive

Information Unavailable

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Comprehensive

Information Unavailable

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Special Care Gold vs Optima Secure

Special Care Gold vs Super Mediclaim

Special Care Gold vs Health Recharge

Special Care Gold vs Cancer Cover Activ Cancer Secure Plan

Special Care Gold vs Optima Secure Plus

Comprehensive vs Optima Secure

Comprehensive vs Super Mediclaim

Comprehensive vs Health Recharge

Comprehensive vs Cancer Cover Activ Cancer Secure Plan

Comprehensive vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Special Care Gold Vs Comprehensive

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.