Insurance Plans Comparison
Star Special Care vs Niva Bupa Health Assurance
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
Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
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.
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Special Care Health Insurance Plan VS VS |
Health Assurance Health Insurance Plan |
| Room Rent |
|---|
Special Care Up to ₹5,000 per day |
VS VS |
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
| ICU Charges |
|---|
Special Care Covered as part of hospitalisation expenses |
VS VS |
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
| Advanced Treatments |
|---|
Special Care Information Unavailable |
VS VS |
Health Assurance Modern Treatments covered up to Sum Insured |
| Co-payment |
|---|
Special Care 20% on every claim |
VS VS |
Health Assurance Optional co-payment available |
| Cashless Healthcare Providers |
|---|
Special Care Cashless treatment available at network hospitals |
VS VS |
Health Assurance 10,000+ Network Hospitals |
| Restoration Benefit |
|---|
Special Care Not specified |
VS VS |
Health Assurance Information Unavailable |
| Cumulative Bonus |
|---|
Special Care Not specified |
VS VS |
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
| Daycare Treatment |
|---|
Special Care All daycare treatments covered |
VS VS |
Health Assurance Covered |
| Consumable Cover |
|---|
Special Care Not specified |
VS VS |
Health Assurance Please refer to the policy wording. |
| AYUSH Treatment |
|---|
Special Care Covered up to Sum Insured for eligible inpatient treatment |
VS VS |
Health Assurance Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Special Care 30 Days |
VS VS |
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
| Specific Waiting Period |
|---|
Special Care 24 Months |
VS VS |
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
| PED Waiting Period |
|---|
Special Care 36 Months |
VS VS |
Health Assurance 36 months for CritiCare and HospiCash |
| Modern Treatment |
|---|
Special Care Covered subject to applicable limits |
VS VS |
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
| Annual Health Checkup |
|---|
Special Care Not Specified |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Pre-Hospitalisation |
|---|
Special Care Not specified as a separate benefit |
VS VS |
Health Assurance Information Unavailable |
| Post-Hospitalisation |
|---|
Special Care Up to 60 Days, based on 7% of hospitalisation expenses or actuals |
VS VS |
Health Assurance Kindly refer to policy wording. |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Specified outpatient therapies are covered |
VS VS |
Health Assurance Not covered. |
| Deductible Option |
|---|
Special Care Not specified |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Coverage Options |
|---|
Special Care ₹3 Lakh |
VS VS |
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
| Claim Settlement Ratio |
|---|
Special Care Not specified |
VS VS |
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Special Care Not applicable |
VS VS |
Health Assurance Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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