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Special Care Plan
VS
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Bajaj Allianz Herizon Care
2845
Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health special care offers a sum insured of INR 3 lakh and individuals can avail of it for a tenure of 1 year. Star health special care is an affordable plan for individuals aged between 3 to 25 years. Star health special care applies 48 months waiting periods before covering pre-existing diseases and 24-month waiting periods before covering specific diseases.
Star health special care is subjected to sub-limits which we will discuss further but it offers multiple coverage benefits such as room rent cover, emergency ambulance cover, day care procedure cover, modern treatments, and more.
| PLAN DETAILS |
Special Care Plan |
Bajaj Allianz Herizon Care |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Available |
| Plan Entry Age | 1 to 25 Years | Adult 18 – 80 years, Child Day 90 to 35 years |
| Plan Premium Entry Age and S/A | 4800 | 2845 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1/2/3/4/5 year/s |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 99.23 |
| Solvency Ratio | 2.21 | 3.25 |
|
Star Health Insurance Plan Detailed Review |
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