Insurance Plans Comparison
Star Special Care vs HDFC ERGO Energy Gold Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Special Care
For children and young adults aged 3 to 25 with autism, it covers hospital treatment with a 20% co-pay, pays up to ₹30,000 for seizure hospitalisation in a policy period, and includes outpatient behavioural, physiotherapy, occupational and speech therapy.
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
Energy Gold Without Copay
Cover diabetes and hypertension from day one with no co-pay, including cashless wellness tests at network centres, a one-time 100% restore and a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration pairs that with no co-payment on admissible...
Best For:
People who will actively use the wellness programme and reward points to bring down renewal premium
Buyers who want the cost of regular HbA1c and metabolic monitoring built into the policy rather than paid out of pocket
People with hypertension or pre-diabetes seeking hospitalisation cover for that condition without waiting two or more years
Buyers who want their admissible claims paid without contributing a 20% share of each one
Individuals already diagnosed with Type I or Type II diabetes who would otherwise face a long pre-existing disease waiting period on a standard health plan
Insurance Plans Comparison
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Quick Decision Guide
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.
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
Use network centres for the wellness tests: at an approved non-network centre reimbursement is capped at ₹2,000, and at a non-approved centre nothing is reimbursed and no reward points are earned.
Gold costs more than Silver because it includes the wellness test cost, so compare that premium difference against what the two tests would cost you privately each year.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
This configuration costs more than the 20% co-payment version, so compare the extra premium against what a 20% share of a realistic claim at your sum insured would actually cost you.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Special Care Health Insurance Plan VS VS |
Energy Gold Without Copay Health Insurance Plan |
| Room Rent |
|---|
Special Care Up to ₹5,000 per day |
VS VS |
Energy Gold Without Copay
|
| ICU Charges |
|---|
Special Care Covered as part of hospitalisation expenses |
VS VS |
Energy Gold Without Copay Not specified |
| Advanced Treatments |
|---|
Special Care Information Unavailable |
VS VS |
Energy Gold Without Copay
|
| Co-payment |
|---|
Special Care 20% on every claim |
VS VS |
Energy Gold Without Copay No copayment |
| Cashless Healthcare Providers |
|---|
Special Care Cashless treatment available at network hospitals |
VS VS |
Energy Gold Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Special Care Not specified |
VS VS |
Energy Gold Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cumulative Bonus |
|---|
Special Care Not specified |
VS VS |
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
| Daycare Treatment |
|---|
Special Care All daycare treatments covered |
VS VS |
Energy Gold Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Special Care Not specified |
VS VS |
Energy Gold Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
Special Care Covered up to Sum Insured for eligible inpatient treatment |
VS VS |
Energy Gold Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Special Care 30 Days |
VS VS |
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Special Care 24 Months |
VS VS |
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Special Care 36 Months |
VS VS |
Energy Gold Without Copay 24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal |
| Modern Treatment |
|---|
Special Care Covered subject to applicable limits |
VS VS |
Energy Gold Without Copay Not specified |
| Annual Health Checkup |
|---|
Special Care Not Specified |
VS VS |
Energy Gold Without Copay Two wellness tests per policy year, cost included under the Gold plan — cashless at network centres, up to ₹2,000 reimbursed at an approved non-network centre, nil at a non-approved centre |
| Pre-Hospitalisation |
|---|
Special Care Not specified as a separate benefit |
VS VS |
Energy Gold Without Copay 30 days |
| Post-Hospitalisation |
|---|
Special Care Up to 60 Days, based on 7% of hospitalisation expenses or actuals |
VS VS |
Energy Gold Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Specified outpatient therapies are covered |
VS VS |
Energy Gold Without Copay Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance |
| Deductible Option |
|---|
Special Care Not specified |
VS VS |
Energy Gold Without Copay Not specified |
| Coverage Options |
|---|
Special Care ₹3 Lakh |
VS VS |
Energy Gold Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Special Care Not specified |
VS VS |
Energy Gold Without Copay 97.45% |
| Maternity Cover |
|---|
Special Care Not applicable |
VS VS |
Energy Gold Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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Insurance Plans Comparison
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