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Insurance Plans Comparison

Star Special Care vs Star Special Care Gold

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Star

Special Care

Star Special Care

What Makes It Special:

Star Special Care is a specialised health insurance policy for children and young adults aged 3 to 25 years who are diagnosed with Autism Spectrum Disorder. It combines hospitalisation and daycare coverage with specified therapy benefits, including behavioural therapy, physiotherapy, occupational therapy and speech therapy

Best For:

  • Individuals requiring specified developmental support therapies

  • Parents looking for therapy-related coverage

  • Families seeking specialised health insurance

  • Young adults with Autism Spectrum Disorder up to age 25

  • Children diagnosed with Autism Spectrum Disorder

VS
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

Insurance Plans Comparison

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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

  • The policy can be renewed until the insured reaches 25 years of age.

  • No pre-acceptance medical check-up is required.

  • Specified therapy benefits are available, including outpatient therapy.

  • Hospitalisation and daycare treatments are covered.

  • The product is specifically designed for eligible persons with Autism Spectrum Disorder.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Special Care
Special Care

Health Insurance Plan

Brochure

Policy Wording

VS
Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care

Up to ₹5,000 per day


VS

Special Care Gold

Up to 1% of Sum Insured per day

ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

Special Care Gold

Up to 2% of Sum Insured per day

Co-payment

Special Care

20% on every claim

VS

Special Care Gold

20% on all claims; waiver available for additional premium


Disease-wise sublimits

Special Care

Information Unavailable

VS

Special Care Gold

Specified treatment limits apply


Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

Special Care Gold

Cashless treatment available at network hospitals


Restoration Benefit

Special Care

Not specified

VS

Special Care Gold

Not specified

Cumulative Bonus

Special Care

Not specified

VS

Special Care Gold

Not specified

Daycare Treatment

Special Care

All daycare treatments covered

VS

Special Care Gold

All daycare procedures covered

Consumable Cover

Special Care

Not specified

VS

Special Care Gold

Not specified

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

Special Care Gold

Covered up to 100% of Sum Insured

Initial Waiting Period

Special Care

30 Days

VS

Special Care Gold

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


Specific Waiting Period

Special Care

24 Months

VS

Special Care Gold

24 Months

PED Waiting Period

Special Care

36 Months

VS

Special Care Gold

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


Modern Treatment

Special Care

Covered subject to applicable limits

VS

Special Care Gold

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

Annual Health Checkup

Special Care

Not Specified

VS

Special Care Gold

Not specified


Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

Special Care Gold

Up to 30 Days

Post-Hospitalisation

Special Care

Up to 60 Days, based on 7% of hospitalisation expenses or actuals


VS

Special Care Gold

Up to 60 Days

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

Special Care Gold

Not a standard OPD benefit


Deductible Option

Special Care

Not specified


VS

Special Care Gold

Not specified

Coverage Options

Special Care

₹3 Lakh

VS

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


Claim Settlement Ratio

Special Care

Not specified

VS

Special Care Gold

Not specified


Maternity Cover

Special Care

Not applicable

VS

Special Care Gold

Not specified as a standard maternity benefit

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

Personalised Recommendations

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

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

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

Insurance Plans Comparison

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  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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