Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
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.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
1 years
25 Years
Individual
1 year
3 L
30 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With comprehensive coverage options, Star Health Special Care lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Not Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Not Applicable
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Available
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under Star Health Special Care?
Under Star Health Special Care Plan, the room rent is covered up to Rs.5,000/- per day and for Shared Accommodation, the insured person shall be paid an amount of Rs.500/- per day subject to a maximum of Rs.2,000/- per hospitalization and Rs.10,000/- per policy period.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under Star Health Special Care?
Under the Star Health Special Care Plan, ICU charges are not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Health Special Care?
Under the Star Health Special Care Plan medical expenses incurred during pre-hospitalization are not covered.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Health Special Care?
Under Star Health Special Care Plan, medical expenses incurred during post-hospitalization are covered up to a sum equivalent to 7% of the hospitalization expenses or actuals incurred up to 60 days after discharge from the hospital.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Health Special Care?
Under Star Health Special Care, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Health Special Care?
Under Star Health Special Care Plan daycare procedures are covered.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star Health Special Care?
Star Health Special Care does not cover OPD charges.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under Star Health Special Care?
COVID-19 treatment is not covered by Star Health Special Care Plan.
A common eye condition in which your vision gets blurred.
Coverage status under Star Health Special Care?
Star Health Special Care Plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Health Special Care?
The no-claim Bonus is not available under Star Health Special Care.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Health Special Care?
Under Star Health Special Care automatic restoration is not available.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Health Special Care?
The daily hospital cash is not available under Star Health Special Care.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Health Special Care?
Under Star Health Special Care, organ donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star Health Special Care?
Under the Star Health Special Care Plan maternity expenses are not covered.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under Star Health Special Care?
Under Star Health Special Care Plan the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Health Special Care?
Not Covered Under Star Health Special Care.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Health Special Care?
Under the Star Health Special Care IVF treatment is not covered.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Health Special Care?
Under Star Health Special Care modern treatments are covered up to SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Star Health Special Care?
Under Star Health Special Care Plan, Ambulance expenses are covered up to a maximum of Rs.1500/- per policy period.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Health Special Care?
Under Star Health Special Care Plan, Air Ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Star Health Special Care?
Under the Star Health Special Care compassionate plan is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Health Special Care?
Under Star Health Special Care Global coverage is not available.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Health Special Care?
Under Star Health Special Care, e-consultation is not covered.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Star Health Special Care?
Under Star Health Special Care, a health checkup is not covered.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Star Health Special Care?
Under Star Health Special Care second medical opinion is not covered.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Health Special Care?
Under the Star Health Special Care Plan, vaccination expenses are not covered.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Star Health Special Care?
Co-pay of 20% of each and every claim amount for fresh as well as renewal policies applicable under Star Health Special Care.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Star Health Special Care?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Star Health Special Care are:
Hospitalization out of war, riot, strike, and nuclear weapons.
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 48 Months
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Age (years) | Premium (Rs.) |
3-10 | 4800 |
11-20 | 5325 |
21-25 | 6075 |
Get tax relief under section 80D
A unique plan for individuals with autism
Hassle-free cover
Avail covers beneficial for overall health
Avail treatment for specific diseases
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Star health special care is an indemnity plan providing medical covers such as room rent, shared accommodation, ambulance cover, and more for children and individuals suffering from autism.
Individuals opting for Star special care policy do not require to undergo any pre-insurance medical screening making it a hassle-free process to acquire health insurance.
Under Star health special care insured lives can avail of benefits such as Behavioral Therapy, Physiotherapy, Occupational Therapy, and Speech Therapy facilitating the overall development of the insured life.
Star health special care covers expenses incurred for listed specific illnesses under Star health special care such as Diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Gall bladder and Pancreatic diseases and more.
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Star Health Special Care Policy, there are other plans to choose from. Take a look below to explore more:
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.
Unique Features
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
Any individual who has been diagnosed with autism spectrum disorder can purchase the star health special care plan. The entry age for star health special care is 3 to 25 years.
The Star special care policy is available as an individual plan and can not cover family members under the same policy.
Pre-medical health check-up is not required when purchasing the star health special care plan. However, the individual must provide all past medical records to the insurer.
Star health special care has a policy tenure of 1 year.
The waiting periods for the plan are as follows
hiendraptl
Vadodara
August 9, 2023
i have calim register in 20.7.23 for some of query by resolve it. but last one letter rejection for missprtaiton for agr rejected calim - but can not be any advise what to do - in the star hea...
Ranjan Kumar Verma
Patna
March 5, 2023
मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अà¤à¥€ 2021 से मैं STAR HEALTH का Policy continue किया हूà¤à...
sandeep singh
Chandigarh
January 12, 2023
Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...
Sanjay naraware
Pune
November 8, 2022
Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.
Ritesh
Delhi
June 2, 2022
Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.
Himanshu Gada
Delhi
May 25, 2022
Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...
samarth wadhwa
Guwahati
March 14, 2022
Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...
rachana singh
Ahmedabad
February 24, 2022
I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment
Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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