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Insurance Plans Comparison

Star Special Care vs Star Super Surplus Gold

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

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

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 Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

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
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care

Up to ₹5,000 per day


VS

Super Surplus Gold

Single Private A/C Room


ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

Super Surplus Gold

Covered as part of hospitalisation

Co-payment

Special Care

20% on every claim

VS

Super Surplus Gold

Not specified as a standard co-payment

Disease-wise sublimits

Special Care

Information Unavailable

VS

Super Surplus Gold

Specific limits and defined limits apply


Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

Super Surplus Gold

Cashless treatment through network hospitals

Restoration Benefit

Special Care

Not specified

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Cumulative Bonus

Special Care

Not specified

VS

Super Surplus Gold

Not specified


Daycare Treatment

Special Care

All daycare treatments covered

VS

Super Surplus Gold

All daycare procedures covered

Consumable Cover

Special Care

Not specified

VS

Super Surplus Gold

Not specified

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

Super Surplus Gold

Covered up to Sum Insured

Initial Waiting Period

Special Care

30 Days

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Special Care

24 Months

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Special Care

36 Months

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

Modern Treatment

Special Care

Covered subject to applicable limits

VS

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Special Care

Not Specified

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Special Care

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


VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Special Care

Not specified


VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


Coverage Options

Special Care

₹3 Lakh

VS

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


Claim Settlement Ratio

Special Care

Not specified

VS

Super Surplus Gold

Not specified

Maternity Cover

Special Care

Not applicable

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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

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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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