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Star Health

Star Health

Special Care Gold

Star Special Care Gold is a plan specifically designed for people with disabilities and those diagnosed with HIV/AIDS. The upside is that this is one of the few plans that extend protection for disabled individuals. The downside is that it comes with several restrictions on coverage and added benefits. Moreover, Star Health does require a tad bit of improvemnet when it comes to their overall client settlement experience and overall operational proficiency.

What's good here?

special mention
🎉Special Mention

HIV/AIDS & Disability Support

This is a specially designed policy for individuals diagnosed HIV/AIDS or having disabilities (40% or more).

prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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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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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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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 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more - Read more here

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diseaseSublimit

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Cataracts and 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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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you are already dealing with HIV/AIDS, then the insurer will cover you after 90 days. For Pre-Existing Disability, you will be covered after 2 years. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 3 years before they start covering these complications.

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Frequently Asked Questions

Yes. Special Care Gold imposes 4 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.
  • 90 days waiting period for HIV/AIDS and 2 years for Pre-Existing Disability.
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