Oneassure

Partner with us

Insurance Plans Comparison

Star Special Care Gold vs Star Health Gain

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

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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 Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

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
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Restoration Benefit

Special Care Gold

Not specified

VS

Health Gain

Not specified.

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Cumulative Bonus

Special Care Gold

Not specified

VS

Health Gain

Not specified.

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Special Care Gold

Not specified

VS

Health Gain

Not specified.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Initial Waiting Period

Special Care Gold

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


VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Special Care Gold

24 Months

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Special Care Gold

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


VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Special Care Gold

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

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Special Care Gold

Not specified


VS

Health Gain

Not specified.

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Special Care Gold

Not specified

VS

Health Gain

Not specified.

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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

Health Gain vs Optima Secure

Health Gain vs Super Mediclaim

Health Gain vs Health Recharge

Health Gain vs Cancer Cover Activ Cancer Secure Plan

Health Gain vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Special Care Gold Vs Health Gain

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.