Does Special Care Gold cover pre-existing disabilities and HIV/AIDS conditions?

Yes, but waiting periods apply. Pre-existing disability-related treatment is covered after 24 months of continuous coverage, while HIV/AIDS-related treatment is covered after 90 days from the first policy inception date.

What is the HIV/AIDS lump-sum benefit under this plan?

If the insured person's CD4 count falls below 150, the insurer may pay a lump-sum amount equal to 100% of the sum insured or the available balance sum insured, whichever is lower. This benefit is payable once in a lifetime subject to policy terms and conditions.

Can I avail cashless treatment under this policy?

Yes. Cashless treatment is available at network hospitals wherever possible. If treatment is taken at a non-network hospital, the claim can be submitted later for reimbursement as per policy terms.

Can the 20% co-payment be removed?

Yes. The policy offers an optional waiver of the 20% co-payment on payment of an additional premium. The availability of this option is subject to policy terms and conditions.

OneAssure

Health Insurance

Star

Special Care Gold

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

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82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Health Insurance

Final Verdict

Special Care Gold is a niche health insurance plan built for persons with disabilities and individuals living with HIV/AIDS, combining hospitalization coverage with specialized benefits tailored to these groups.

About

About Star Health Insurance

Special Care Gold is an individual health insurance policy created for persons with disabilities and individuals living with HIV/AIDS. The plan provides hospitalization coverage, daycare treatment, AYUSH benefits, modern treatment coverage, and cashless treatment at network hospitals. It also includes a unique HIV/AIDS lump-sum benefit that becomes payable when the insured's CD4 count falls below the specified level after the applicable waiting period. The policy offers optional waiver of co-payment through payment of an additional premium.

Special Care Gold is an individual health insurance policy created for persons with disabilities and individuals living with HIV/AIDS. The plan provides hospitalization coverage, daycare treatment, AYUSH benefits, modern treatment coverage, and cashless treatment at network hospitals. It also includes a unique HIV/AIDS lump-sum benefit that becomes payable when the insured's CD4 count falls below the specified level after the applicable waiting period. The policy offers optional waiver of co-payment through payment of an additional...

Gold Ratings

Gold

Insurer Rating

5.67

out of 10

Insurance Rating

2.75

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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Loyalty Bonus >= 500%

No

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Advanced Treatments

Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intravitreal Injections
Robotic Surgeries
Stereotactic Radiosurgeries
Bronchial Thermoplasty
Vaporisation of Prostate (Green Laser/Holmium Laser)
IONM (Intra Operative Neuro Monitoring)
Hematopoietic Stem Cell Therapy for Bone Marrow Transplant (Haematological Conditions)

Co-payment

20% co-payment on every admissible claim

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period:36 months for diseases other than disability/HIV/AIDS24 months for pre-existing disability90 days for HIV/AIDS-related treatment

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Up to 1% of Sum Insured per day
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intravitreal Injections
Robotic Surgeries
Stereotactic Radiosurgeries
Bronchial Thermoplasty
Vaporisation of Prostate (Green Laser/Holmium Laser)
IONM (Intra Operative Neuro Monitoring)
Hematopoietic Stem Cell Therapy for Bone Marrow Transplant (Haematological Conditions)

Co-payment

20% co-payment on every admissible claim

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period:36 months for diseases other than disability/HIV/AIDS24 months for pre-existing disability90 days for HIV/AIDS-related treatment

Exclusions

Not available

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...