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A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. The Star Special Care Gold Insurance Policy is available only on an individual basis, not as a family floater policy. It is available to individuals between 18 and 65 years of age. Dependent children are covered from birth to 17 years of age. No pre-policy medical checkup is required before purchasing the plan. The Star Special Care Gold Plan provides insured individuals with a sum insured value of ₹4 Lakhs and ₹5 Lakhs, along with other features.
| PLAN DETAILS |
Star Special Care Gold Plan |
Manipalcigna Prime Protect Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| 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) |
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 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | 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) |
Not Applicable | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Available |
| Plan Entry Age | 18 to 65 Years | Minimum: Child - 91 days, Adult - 18 years; Maximum: No Limit |
| Plan Premium Entry Age and S/A | 13344 | 8182 |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 8182 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99.06 | 98 |
| Solvency Ratio | 2.21 | 1.76 |
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