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Insurance Plans Comparison

Star Special Care Gold vs Care Supreme Enhance One

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

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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
Care

What Makes It Special:

Care Supreme Enhance 1 is a feature-rich health insurance plan offering comprehensive medical coverage with high sum insured options. It covers hospitalization, daycare procedures, pre- and post-hospitalization, along with wellness benefits and add-ons. Designed for individuals and families, it ensures financial protection and peace of mind against rising healthcare costs.

Best For:

  • Family-friendly coverage with wellness benefits

  • Extra add-ons for enhanced protection

  • Cashless treatment at a wide hospital network

  • Complete hospitalization & daycare coverage

  • High sum insured with affordable premiums

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.

Care Supreme Enhance One

  • You want flexible add-ons for enhanced family protection

  • You want wellness benefits and rewards built into your plan

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless hospitalization across a wide network

  • You want high medical coverage at affordable premiums

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
Supreme Enhance One
Supreme Enhance One

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Supreme Enhance One

  1. Normal:  No limit on room rent.
  2. ICU: No limit on ICU charges.
ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Supreme Enhance One

No restriction on ICU room rent

Advanced Treatments

Special Care Gold

Information Unavailable

VS

Supreme Enhance One

  1. Robotic surgery
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Immunotherapy
  5. Monoclonal antibody injections
  6. Oral chemotherapy
  7. Intra-vitreal injections
  8. Balloon Sinuplasty.
Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Supreme Enhance One

No

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Supreme Enhance One

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

Waiting Period

Special Care Gold

Information Unavailable

VS

Supreme Enhance One

.

Restoration Benefit

Special Care Gold

Not specified

VS

Supreme Enhance One

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Supreme Enhance One

Access to 24,800+ network hospitals for cashless treatment.

Cumulative Bonus

Special Care Gold

Not specified

VS

Supreme Enhance One

Your sum insured increases by 10% every year, maximum up to 100%

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Supreme Enhance One

.

Consumable Cover

Special Care Gold

Not specified

VS

Supreme Enhance One

Yes

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Supreme Enhance One

.

Initial Waiting Period

Special Care Gold

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


VS

Supreme Enhance One

30 days

Specific Waiting Period

Special Care Gold

24 Months

VS

Supreme Enhance One

2 years

PED Waiting Period

Special Care Gold

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


VS

Supreme Enhance One

3 years

Modern Treatment

Special Care Gold

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

VS

Supreme Enhance One

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Special Care Gold

Not specified


VS

Supreme Enhance One

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Supreme Enhance One

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Supreme Enhance One

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Supreme Enhance One

OPD expense is not included

Deductible Option

Special Care Gold

Not specified

VS

Supreme Enhance One

Available

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Supreme Enhance One

Available coverage options: 20L to 1cr

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Supreme Enhance One

96%

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Supreme Enhance One

Not available

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

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