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Star Health

Star Health

Special Care

STAR Special Care is a plan specifically designed for people aged between 3 and 25 years with Autism Spectrum Disorder. And considering this is a plan built for special needs individuals, it comes with several restrictions including restrictions on the kind of room you can pick, a co-payment clause and limited pre/post–hospitalization coverage. Additionally, Star Health does have some room for improvement when it comes to their overall operational proficiency.

What's good here?

special mention
🎉Special Mention

Autism Spectrum Support

This is a specially designed policy for children diagnosed with Autism Spectrum Disorder.

dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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What's bad here?

coPay

You will have to pay a portion of the bill

The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.

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roomRent

Restrictions on the rooms you can pick and much more

Your insurer won’t let you stay in a room whose rent exceeds ₹5,000. But in the event, you breach this limit, get ready to pay a lot more. - Read more here

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What's okay here?

diseaseSublimit

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.

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ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests after hospitalizing you. The insurer has your back. They will cover this amount for 60 days after discharge (but not exceeding 7% of the hospitalization expenses). This includes the cost of medication by the way.

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Frequently Asked Questions

Yes. Special Care imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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