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Star Special Care Health Insurance

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Star Health Insurance
Special Care
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Special Care Health Insurance

Star Special Care from Star Health is an indemnity-oriented medical insurance policy. It provides medical insurance cover to the children aged between 3 to 25 years who are diagnosed with Autism Spectrum Disorder. The plan can be renewed up to 25 years of age. After that, the insured individual will be provided another individual indemnity-based health insurance product with continuity benefits for the applicable waiting period.

Although the plan has sub-limits for certain procedures and/or treatments, it offers quite a few benefits to the policyholders. There are no requirements for pre-medical check-ups, coverage for post hospitalisation expenses, coverage for an emergency ambulance and so on.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Anesthesia, costs for operation theatre, blood, oxygen, surgical appliances, diagnostic materials, diagnostic imaging modalities, medicines, drugs, dialysis, radiotherapy, chemotherapy, etc.
  • Room, nursing and boarding expenses are covered all inclusive as directed by the hospital/nursing home to a maximum of Rs. 5,000 every day
  • Surgeon, anesthetist, medical practitioner, consultants, specialist fees is included
  • Charges for emergency ambulance are covered for up to Rs. 750 per hospitalisation and a maximum limit of Rs. 1,500 for each policy period
  • Post-hospitalisation expenses are covered up to 7% or the actual expenses incurred for up to 60 days after discharge from the hospital

What's Not Included

  • Cost of vitamins and tonics unless it is a part of treatment for injury or disease as specified by the physician
  • Charges for hospital registration, admission, record, telephone, etc. are not covered under the policy
  • Injury or disease occurred due to nuclear weapons or materials either directly or indirectly
  • Cerebral palsy, chromosomal abnormalities and genetic abnormalities, mental retardation are not covered under this policy
  • Dental treatment or surgery are excluded unless is required because of accidental injuries and requiring hospitalisation (excluding dental implants)

9625 Star Cashless Network Hospitals in India

Special Care User Reviews

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What users are saying
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  • I recently visited InsuranceDekho in search of a reliable health insurance policy and shortlisted Star Health-...

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    A
    By Amit Sharma
    On: Aug 23, 2023
  • I am a policyholder of Star Health Insurance’s Special Care plan that is specifically designed for child...

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    S
    By Suhani Sharma
    On: Mar 09, 2021
  • I issued Star Health Insurance’s Star Special Care Health Insurance from InsuranceDekho. It is for children be...

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    N
    By Neha Aman
    On: Dec 07, 2020
  • I visited insurancedekho.com and I was amazed to see all policy-based information available on the website. I ...

    Read More
    C
    By Chandana Samajhdar
    On: Nov 23, 2020
  • I havent heard of any plan other than this one that cares so much for the Autistic children. The plan covers m...

    Read More
    K
    By Kumar Gaurav
    On: Feb 19, 2020

Star Special Care Expert Review

  • Expert Review

    The number of kids living with developmental disabilities like Autism is on the rise. But currently, not many health insurance companies are providing health insurance plans that cater primarily to such children. But taking a step forward, Star Health has come up with a different policy named Special Care Plan for children diagnosed with Autism Spectrum Disorder. This policy makes taking care of autistic kids easy and less expensive.

    Special Care Plan can be purchased on Individual sum insured type for a sum insured of Rs. 3 Lakh. Children aged between 3 years and 25 years can enjoy the coverage benefits under this plan for a policy term of 1 year. A significant advantage of this plan is that it does not require pre-acceptance medical screening. However, it asks you to submit a copy of treatment records undergone before from all the concerned specialists, along with the signed proposal form. So, it comes as a perfect solution for the unmet need for special children suffering from the disease. Besides providing cover for Autism Spectrum Disorder, the plan acts as a regular mediclaim policy. 

  • Major Attractions

    Special Care is a plan that manages the medical expenses by providing cover for all the primary health care requirements. The salient features of the plan are-

    • Premiums can be paid monthly or annually
    • Room, boarding and nursing expenses are covered as presented by the Hospital or Nursing Home up to a limit of Rs. 5,000 per day
    • Surgeon, Anesthetist, Consultant, Specialist, or Medical Practitioner’s fee are paid under the plan
    • Oxygen, Anesthesia, Blood, Operation Theatre charges, Medicines and Drugs, Surgical appliances and all other such expenses are covered
    • Cover for all the daycare procedures (with limits on some)
    • Emergency ambulance up to a sum of Rs. 750 per hospitalisation and overall limit of Rs. 1,500 per policy period
    • Post hospitalisation expenses covered for a sum equivalent to 7% of the hospitalisation expenses or actuals incurred up to 60 days after discharge from the hospital 
  • What’s More?

    Other than the coverage benefits, Star Health also promises the following to the policyholders through its Special Care health insurance plan-

    • Hassle-free claim procedure
    • The cashless facility at the network hospitals
    • Rebate in income tax under Section 80D of the Income Tax Act 1961
    • Renewability up to the insured person/s complete(s) 25 years of age
    • Grace period of 30 days from the date of expiry of the policy for renewal 
  • Conclusion

    This is an ideal plan for special children, as the regular health insurance plans do not provide cover for the same. The plan comes at affordable premiums yet covers all the necessary features. So, in order to get more exhaustive coverage for Autism Spectrum Disorder, it perfectly suits the need.

    If you are planning to buy this plan for yourself or your loved ones, buy it online. Unlike offline, the online process lets you make a deal quickly and conveniently without any involvement of an agent. You can even seek help from leading health insurance brokers in the market. Their customer care executives will guide you through the entire process of purchasing this plan and even provide you with the after sales service too. 

Star Special Care Brochure

  • 187.77 KB
  • PDF Document
  • Apr 18, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Special Care Health Insurance Plan

  • What is the eligibility to purchase the Star Health Special Care Policy?

    Any child aged between 3 years and 25 years and is diagnosed with Autism Spectrum Disorder can purchase this policy.

  • Is pre-acceptance medical check-up screening mandatory to buy the Star Health Special Care Policy?

    A pre-acceptance medical check-up is not required to purchase the Star Health Special Care, but a copy of the past medical records from all the concerned specialists has to be submitted.

  • What are the sum insured options in the policy?

    The policy is available for a sum insured of Rs. 3 Lakh only.

  • What is the premium amount to be paid under this plan?

    The gross premium to be paid (excluding taxes) varies for different age groups. For children between 3 to 10 years of age, the premium amounts to Rs. 4,800; for children between 11 to 20 years of age, the premium amounts to Rs. 5,235; and for the ones between 21 to 25 years of age it is Rs. 6,075.

  • What is the policy term for Star Health Special Care Policy?

    The policy is available for a term of 1 year.

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