Insurance Plans Comparison
Star Special Care Gold vs Royal Sundaram Multiplier Health
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Multiplier Health
Multiplier Health
What Makes It Special:
Multiplier Health focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
Insurance Plans Comparison
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Quick Decision Guide
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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Special Care Gold Health Insurance Plan VS VS |
Multiplier Health Health Insurance Plan |
| Room Rent |
|---|
Special Care Gold Up to 1% of Sum Insured per day |
VS VS |
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
| ICU Charges |
|---|
Special Care Gold Up to 2% of Sum Insured per day |
VS VS |
Multiplier Health Information Unavailable |
| Advanced Treatments |
|---|
Special Care Gold Information Unavailable |
VS VS |
Multiplier Health Covered up to Sum Insured |
| Disease-wise sublimits |
|---|
Special Care Gold Specified treatment limits apply |
VS VS |
Multiplier Health Information Unavailable |
| Co-payment |
|---|
Special Care Gold 20% on all claims; waiver available for additional premium |
VS VS |
Multiplier Health No mandatory co-pay |
| Waiting Period |
|---|
Special Care Gold Information Unavailable |
VS VS |
Multiplier Health 30 Days 36 Months 24 Months |
| Restoration Benefit |
|---|
Special Care Gold Not specified |
VS VS |
Multiplier Health Information Unavailable |
| Cashless Healthcare Providers |
|---|
Special Care Gold Cashless treatment available at network hospitals |
VS VS |
Multiplier Health Cashless Available |
| Cumulative Bonus |
|---|
Special Care Gold Not specified |
VS VS |
Multiplier Health Information Unavailable |
| Daycare Treatment |
|---|
Special Care Gold All daycare procedures covered |
VS VS |
Multiplier Health Covered up to Sum Insured |
| Consumable Cover |
|---|
Special Care Gold Not specified |
VS VS |
Multiplier Health Information Unavailable |
| AYUSH Treatment |
|---|
Special Care Gold Covered up to 100% of Sum Insured |
VS VS |
Multiplier Health Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
VS VS |
Multiplier Health Information Unavailable |
| Specific Waiting Period |
|---|
Special Care Gold 24 Months |
VS VS |
Multiplier Health Information Unavailable |
| PED Waiting Period |
|---|
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
VS VS |
Multiplier Health Information Unavailable |
| Modern Treatment |
|---|
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
VS VS |
Multiplier Health Information Unavailable |
| Annual Health Checkup |
|---|
Special Care Gold Not specified |
VS VS |
Multiplier Health Information Unavailable |
| Pre-Hospitalisation |
|---|
Special Care Gold Up to 30 Days |
VS VS |
Multiplier Health Information Unavailable |
| Post-Hospitalisation |
|---|
Special Care Gold Up to 60 Days |
VS VS |
Multiplier Health Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Gold Not a standard OPD benefit |
VS VS |
Multiplier Health Information Unavailable |
| Deductible Option |
|---|
Special Care Gold Not specified |
VS VS |
Multiplier Health Information Unavailable |
| Coverage Options |
|---|
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
VS VS |
Multiplier Health Information Unavailable |
| Claim Settlement Ratio |
|---|
Special Care Gold Not specified |
VS VS |
Multiplier Health Information Unavailable |
| Maternity Cover |
|---|
Special Care Gold Not specified as a standard maternity benefit |
VS VS |
Multiplier Health Information Unavailable |
Insurance Plans Comparison
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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
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Insurance Plans Comparison
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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