Who is Special Care Gold designed for?

The product is designed for eligible persons with disabilities and individuals living with HIV/AIDS.

What are the available Sum Insured options?

The brochure lists ₹4 Lakh and ₹5 Lakh on an individual basis.

Is AYUSH treatment covered?

Yes. Eligible inpatient AYUSH treatment is covered up to 100% of the Sum Insured during each policy year.

Are modern treatments covered?

Yes. Listed modern treatments are covered up to 50% of the Sum Insured, subject to policy terms.

What is the PED waiting period?

The brochure specifies 36 months for pre-existing diseases other than pre-existing disability and HIV/AIDS, with separate waiting periods for those categories.

What is the waiting period for pre-existing disability?

The waiting period for pre-existing disability is 24 months.

Is there a co-payment?

Yes. A 20% co-payment applies to claims. A waiver is available on payment of additional premium.

What are the pre and post-hospitalisation periods?

Pre-hospitalisation is covered for 30 days and post-hospitalisation for 60 days, subject to policy terms.

Is a pre-policy medical test required?

The brochure states that there is no pre-policy medical test, while previous medical records and required supporting documents must be submitted.

Is daycare treatment covered?

Yes. All daycare procedures are covered subject to policy terms.

OneAssure

Health Insurance

Star

Special Care Gold

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

2.75/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Star Special Care Gold

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

What Is Special Care Gold?

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.

Gold Ratings

Gold

Insurer Rating

7.07

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

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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

Star Special Care Gold Inclusions

Modern Treatment

Covered up to 50% of Sum Insured for listed modern treatments

ICU Charges

Up to 2% of Sum Insured per day

Room Rent

Up to 1% of Sum Insured per day

Disease-wise sublimits

Specified treatment limits apply

Restoration Benefit

Not specified

Cumulative Bonus

Not specified

Consumable Cover

Not specified

Initial Waiting Period

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis

Specific Waiting Period

24 Months

PED Waiting Period

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability

Annual Health Checkup

Not specified

Post-Hospitalisation

Up to 60 Days

Outpatient Department Cover (OPD Expense)

Not a standard OPD benefit

Deductible Option

Not specified

Coverage Options

₹4 Lakh and ₹5 Lakh, individual basis

Maternity Cover

Not specified as a standard maternity benefit

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Daycare Treatment

All daycare procedures covered

AYUSH Treatment

Covered up to 100% of Sum Insured

Co-payment

20% on all claims; waiver available for additional premium

Pre-Hospitalisation

Up to 30 Days

Claim Settlement Ratio

Not specified

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About the company

About Star

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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.