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Insurance Plans Comparison

Star Special Care Gold vs Star Smart Health Pro

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
Star

Smart Health Pro

Customisable online health insurance with high Sum Insured options, restoration, wellness benefits and optional coverage enhancements.

What Makes It Special:

Smart Health Pro is an online health insurance plan built around flexible coverage. It provides hospitalisation, daycare, AYUSH, modern treatment, home care, ambulance and annual health check-up benefits, while optional covers allow customers to modify room eligibility, add consumables, reduce the PED waiting period and increase cumulative bonus.

Best For:

  • Young adults and families seeking flexible health insurance

  • Customers looking for Sum Insured up to ₹1 Crore

  • Customers interested in restoration benefits

  • People seeking extended post-hospitalisation coverage

  • Buyers who want optional coverage customisation

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 Smart Health Pro

  • Reasons to Consider: Sum Insured options range from ₹5 Lakh to ₹1 Crore.

  • Reasons to Consider: The base plan provides automatic restoration once during the policy year.

  • Reasons to Consider: Home care and air ambulance benefits are included.

  • Reasons to Consider: Post-hospitalisation expenses are covered for up to 180 days.

  • Reasons to Consider: Optional covers allow additional customisation.

  • Things to Consider: The base PED waiting period is 48 months.

  • Things to Consider: Entry age is limited to the eligibility specified by the product.

  • Things to Consider: Several enhanced benefits require optional covers and additional premium.

  • Things to Consider: The product is available online only.

  • Things to Consider: Room category and consumables options depend on the selected cover.

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
Smart Health Pro
Smart Health Pro

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Smart Health Pro

Private Single A/C Room; optional room modification available

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Smart Health Pro

Covered up to Sum Insured

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Smart Health Pro

Applicable limits may apply

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Smart Health Pro

No standard co-payment specified

Restoration Benefit

Special Care Gold

Not specified

VS

Smart Health Pro

100% once under base cover; unlimited restoration available as an optional cover

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Smart Health Pro

Available through Star Health network hospitals

Cumulative Bonus

Special Care Gold

Not specified

VS

Smart Health Pro

50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600%

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Smart Health Pro

Covered up to Sum Insured

Consumable Cover

Special Care Gold

Not specified

VS

Smart Health Pro

Optional cover available

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Smart Health Pro

Covered up to Sum Insured

Initial Waiting Period

Special Care Gold

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


VS

Smart Health Pro

30 Days, except applicable accident and renewal cases

Specific Waiting Period

Special Care Gold

24 Months

VS

Smart Health Pro

24 Months for specified conditions 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

Smart Health Pro

48 Months under the base plan; optional reduction available

Modern Treatment

Special Care Gold

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

VS

Smart Health Pro

Covered up to Sum Insured

Annual Health Checkup

Special Care Gold

Not specified


VS

Smart Health Pro

Available every policy year, subject to applicable limits

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Smart Health Pro

Up to 60 Days

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Smart Health Pro

Up to 180 Days

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Smart Health Pro

Not a standard OPD benefit

Deductible Option

Special Care Gold

Not specified

VS

Smart Health Pro

Not specified as a standard base deductible

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Smart Health Pro

₹5 Lakh to ₹1 Crore

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Smart Health Pro

Not specified

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Smart Health Pro

Optional maternity-related cover may be selected subject to product terms

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

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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.

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