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Insurance Plans Comparison

Star Special Care vs Magma OneHealth Premium

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
Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

What Makes It Special:

Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.

Best For:

  • Customers who prefer access to a large cashless hospital network

  • Customers who want cumulative bonus and reload benefits

  • Customers looking for multiple Sum Insured options

  • Families looking for individual or family floater coverage

  • Individuals looking for hospitalisation-focused health insurance

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.

Magma OneHealth Premium

  • Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.

  • Includes reload of Sum Insured from the first claim, subject to policy terms

  • Provides cumulative bonus of 10% for every claim-free year, up to 50%

  • Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan

  • Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses

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
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care

Up to ₹5,000 per day


VS

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

Co-payment

Special Care

20% on every claim

VS

OneHealth Premium

10% in Applicable Circumstances

Disease-wise sublimits

Special Care

Information Unavailable

VS

OneHealth Premium

Specific Disease-wise Sublimits Apply

Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

OneHealth Premium

6,100+ Network Hospitals

Restoration Benefit

Special Care

Not specified

VS

OneHealth Premium

Reload Available from the First Claim

Cumulative Bonus

Special Care

Not specified

VS

OneHealth Premium

10% per Claim-Free Year, Up to 50%

Daycare Treatment

Special Care

All daycare treatments covered

VS

OneHealth Premium

405 Daycare Procedures Covered

Consumable Cover

Special Care

Not specified

VS

OneHealth Premium

Available Through Optional Cover

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Initial Waiting Period

Special Care

30 Days

VS

OneHealth Premium

30 Days

Specific Waiting Period

Special Care

24 Months

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Special Care

36 Months

VS

OneHealth Premium

3 Years

Modern Treatment

Special Care

Covered subject to applicable limits

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Annual Health Checkup

Special Care

Not Specified

VS

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Special Care

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


VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Special Care

Not specified


VS

OneHealth Premium

Not Specified in the Brochure

Coverage Options

Special Care

₹3 Lakh

VS

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Special Care

Not specified

VS

OneHealth Premium

Not Specified in the Brochure

Maternity Cover

Special Care

Not applicable

VS

OneHealth Premium

Not Covered Except Ectopic Pregnancy

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?

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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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • 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)

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