Who is eligible for Star Special Care?

The policy is designed for children and young adults aged 3 to 25 years who are diagnosed with Autism Spectrum Disorder.

What is the Sum Insured?

The policy provides a Sum Insured of ₹3 Lakh.

Does the policy cover therapy?

Yes. Behavioural therapy, physiotherapy, occupational therapy and speech therapy are covered subject to the specified limits.

Are daycare treatments covered?

Yes. All daycare treatments are covered subject to the policy terms.

What is the PED waiting period?

The PED waiting period is 36 months of continuous coverage, subject to declaration and acceptance.

What is the specific disease waiting period?

Specified diseases and procedures have a 24-month waiting period, subject to the policy terms.

Is there a co-payment?

Yes. A 20% co-payment applies to each claim under both fresh and renewal policies.

How much room rent is covered?

Room, boarding and nursing expenses are covered up to ₹5,000 per day, subject to policy terms.

Is a pre-acceptance medical check-up required?

No. The brochure states that no pre-acceptance medical check-up is required, but prior treatment records from concerned specialists must be submitted.

Can the policy be renewed after age 25?

The policy is renewable until the insured person completes 25 years of age. Beyond that, suitable alternate product coverage may be offered with applicable continuity benefits.

OneAssure

Health Insurance

Star

Special Care

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.

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

0/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Star Special Care

Final Verdict

Star Special Care is a niche health insurance plan focused on supporting children and young adults with Autism Spectrum Disorder through hospitalization and therapy-related coverage.

About

What Is Special Care?

Star Special Care is a specialized health insurance policy created for children and young adults diagnosed with Autism Spectrum Disorder. The plan covers hospitalization expenses, daycare treatments, modern treatments, and specified therapy expenses including behavioral therapy, physiotherapy, occupational therapy, and speech therapy. It also offers coverage for seizure-related hospitalization and other specified treatments subject to policy limits. The policy can be renewed until the insured reaches 25 years of age.

Special Care Ratings

Special Care

Insurer Rating

7.07

out of 10

Insurance Rating

0

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

No

No Disease Sublimits

No

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 Inclusions

Modern Treatment

Covered subject to applicable limits

ICU Charges

Covered as part of hospitalisation expenses

Cumulative Bonus

Not specified

Consumable Cover

Not specified

Initial Waiting Period

30 Days

Specific Waiting Period

24 Months

PED Waiting Period

36 Months

Annual Health Checkup

Not Specified

Post-Hospitalisation

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

Outpatient Department Cover (OPD Expense)

Specified outpatient therapies are covered

Deductible Option

Not specified

Coverage Options

₹3 Lakh

Maternity Cover

Not applicable

AYUSH Treatment

Covered up to Sum Insured for eligible inpatient treatment

Co-payment

20% on every claim

Pre-Hospitalisation

Not specified as a separate benefit

Claim Settlement Ratio

Not specified

Room Rent

Up to ₹5,000 per day

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Daycare Treatment

All daycare treatments covered

Daycare Treatment

Specified treatment sublimits apply

Restoration Benefit

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.