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Insurance Plans Comparison

Star Special Care Gold vs Star Super Star

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

Super Star

Super Star

What Makes It Special:

Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers

Best For:

  • Buyers who want extensive optional cover choices

  • Customers looking for any-room eligibility

  • Customers interested in unlimited restoration

  • Families wanting flexible floater options

  • Individuals seeking broad health coverage

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 Super Star

Not available

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
Super Star
Super Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Super Star

Any Room


ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Super Star

Covered up to Sum Insured

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Super Star

Applicable treatment-specific limits may apply


Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Super Star

No mandatory co-payment; voluntary options available


Restoration Benefit

Special Care Gold

Not specified

VS

Super Star

Automatic restoration up to 100%, unlimited number of times

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Super Star

Cashless treatment through network hospitals

Cumulative Bonus

Special Care Gold

Not specified

VS

Super Star

50% of Sum Insured for each claim-free year, up to 100%


Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Super Star

All daycare procedures covered


Consumable Cover

Special Care Gold

Not specified

VS

Super Star

Available subject to selected cover

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Super Star

Covered up to Sum Insured

Initial Waiting Period

Special Care Gold

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


VS

Super Star

30 Days

Specific Waiting Period

Special Care Gold

24 Months

VS

Super Star

24 Months

PED Waiting Period

Special Care Gold

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


VS

Super Star

36 Months

Modern Treatment

Special Care Gold

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

VS

Super Star

Covered up to Sum Insured


Annual Health Checkup

Special Care Gold

Not specified


VS

Super Star

Available subject to policy terms


Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Super Star

Up to 90 Days

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Super Star

Up to 180 Days

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Super Star

Not a standard base OPD benefit

Deductible Option

Special Care Gold

Not specified

VS

Super Star

Optional aggregate deductible available

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Super Star

₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Super Star

Not specified

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Super Star

Available through optional covers


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

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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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