Star Health Special Care
  • Indemnity cover
  • Autism cover
  • Avail modern treatment
Star Health Insurance
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Star special care plan

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 Special Care Plan Specifications

Entry Age

1 years

Adult Entry Age

25 Years

Plan Type

Individual

Policy Term

1 year

Sum Insured

3 L

Initial Waiting Period*

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.

Read more specifications in the brochure.

Choose your Star Health Special Care

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Star Health Special Care?

Under Star Health Special Care Plan the newborn baby cover is not available.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Health Special Care?

Under the Star Health Special Care IVF treatment is not covered.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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.

What is Compassionate Travel?

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.

What is Global Coverage?

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.

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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 Hospital List

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.

Other Health Insurance Companies

Star Health Special Care Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

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

Star Health Special Care Premium Illustrations

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

Star Health Arogya Sanjeevani Plan Benefits

Tax Benefits

Get tax relief under section 80D

Indemnity Cover

A unique plan for individuals with autism

No pre-medical required

Hassle-free cover

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Indemnity Cover

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.

No pre-medical required

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.

Additional Covers

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.

Listed/Specific Diseases Cover

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.

Explore Other Star Health Insurance Plan

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

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

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

  • Room rent up to 5K/day
  • Modern treatments covered up to 50% of SI
  • 20% rural discount available

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

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

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

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

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage for Medicine and drugs cost

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

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Star Health Special Care Plan: FAQs

1. What are the eligibility criteria for Star health special care plan?

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.

2. Can I cover family members under the star special care policy?

The Star special care policy is available as an individual plan and can not cover family members under the same policy.

3. Star health special care does not require pre-medical screening?

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.

4. What is the policy tenure for star health special care?

Star health special care has a policy tenure of 1 year.

5. What are the waiting periods mentioned for star health special care?

The waiting periods for the plan are as follows

  • For Pre-Existing Diseases - 48 months
  • For Specific Diseases/Procedures - 24 months
  • Initial Waiting Period - 30 days (Except for Accidents)

Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Customer Review Image

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

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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...

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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.

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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.

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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...

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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...

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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

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paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

View All Star Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

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.