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Insurance Plans Comparison

Star Special Care vs ManipalCigna ProHealth Accumulate

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Star

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
ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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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.

ManipalCigna ProHealth Accumulate

Not available

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
ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

Room Rent

Special Care

Up to ₹5,000 per day


VS

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

ProHealth Accumulate

Information Unavailable

Advanced Treatments

Special Care

Information Unavailable

VS

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Special Care

20% on every claim

VS

ProHealth Accumulate

Not mentioned

Waiting Period

Special Care

Information Unavailable

VS

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

ProHealth Accumulate

Not mentioned

Restoration Benefit

Special Care

Not specified

VS

ProHealth Accumulate

Information Unavailable

Cumulative Bonus

Special Care

Not specified

VS

ProHealth Accumulate

Information Unavailable

Daycare Treatment

Special Care

All daycare treatments covered

VS

ProHealth Accumulate

Covered up to Sum Insured

Consumable Cover

Special Care

Not specified

VS

ProHealth Accumulate

Information Unavailable

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

ProHealth Accumulate

Covered up to Sum Insured

Initial Waiting Period

Special Care

30 Days

VS

ProHealth Accumulate

Information Unavailable

Specific Waiting Period

Special Care

24 Months

VS

ProHealth Accumulate

Information Unavailable

PED Waiting Period

Special Care

36 Months

VS

ProHealth Accumulate

Information Unavailable

Modern Treatment

Special Care

Covered subject to applicable limits

VS

ProHealth Accumulate

Information Unavailable

Annual Health Checkup

Special Care

Not Specified

VS

ProHealth Accumulate

Information Unavailable

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

ProHealth Accumulate

Information Unavailable

Post-Hospitalisation

Special Care

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


VS

ProHealth Accumulate

Information Unavailable

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

ProHealth Accumulate

Information Unavailable

Deductible Option

Special Care

Not specified


VS

ProHealth Accumulate

Information Unavailable

Coverage Options

Special Care

₹3 Lakh

VS

ProHealth Accumulate

Information Unavailable

Claim Settlement Ratio

Special Care

Not specified

VS

ProHealth Accumulate

Information Unavailable

Maternity Cover

Special Care

Not applicable

VS

ProHealth Accumulate

Information Unavailable

Insurance Plans Comparison

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