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Insurance Plans Comparison

Star Special Care vs Star Health Gain

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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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

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

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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 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
Special Care

Health Insurance Plan

Brochure

Policy Wording

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Special Care

Up to ₹5,000 per day


VS

Health Gain

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

Special Care

Covered as part of hospitalisation expenses

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Special Care

20% on every claim

VS

Health Gain

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

Disease-wise sublimits

Special Care

Information Unavailable

VS

Health Gain

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

Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

Health Gain

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

Restoration Benefit

Special Care

Not specified

VS

Health Gain

Not specified.

Cumulative Bonus

Special Care

Not specified

VS

Health Gain

Not specified.

Daycare Treatment

Special Care

All daycare treatments covered

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Special Care

Not specified

VS

Health Gain

Not specified.

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

Health Gain

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

Initial Waiting Period

Special Care

30 Days

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Special Care

24 Months

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Special Care

36 Months

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Special Care

Covered subject to applicable limits

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Special Care

Not Specified

VS

Health Gain

Not specified.

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Special Care

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


VS

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

Health Gain

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

Deductible Option

Special Care

Not specified


VS

Health Gain

Not specified.

Coverage Options

Special Care

₹3 Lakh

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Special Care

Not specified

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Special Care

Not applicable

VS

Health Gain

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

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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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

  • 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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