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Star Special Care Health Insurance

29 reviews Rate This
Special Care
Claim Settlement Ratio85.47%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals9,900+
Policies Sold37,34,365

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)

1506 Star Cashless Network Hospitals in India

Special Care User Reviews

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What users are saying
  • All
  • Expert team

    I am a policyholder of Star Health Insurance’s Special Care plan that is specifically designed for child...

    Read More
    By Suhani Sharma
    On: Mar 09, 2021
  • All you need is 5 minutes

    I issued Star Health Insurance’s Star Special Care Health Insurance from InsuranceDekho. It is for children be...

    Read More
    By Neha Aman
    On: Dec 07, 2020
  • Very informative website

    I visited and I was amazed to see all policy-based information available on the website. I ...

    Read More
    By Chandana Samajhdar
    On: Nov 23, 2020
  • Best product in market

    I havent heard of any plan other than this one that cares so much for the Autistic children. The plan covers m...

    Read More
    By Kumar Gaurav
    On: Feb 19, 2020
  • Nice indemnity plan.. A saviou...

    This is a nice indemnity based health insurance plan that covers my kid for Anesthesia, costs for operation th...

    Read More
    By Sridevi Palaniappan
    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.

  • What is co-payment under the policy?

    Co-payment of 20% for each and every claim made for new as well as renewal policies is applicable under this policy.

  • What are the tax benefits under this plan?

    Premiums paid for this health insurance policy get relief under Section 80D of the Income Tax Act 1961 and is not included in the taxable income if paid in any mode, other than cash.

  • When can a policy be canceled?

    Star Health can cancel your policy on the grounds of moral hazard, misinterpretation, fraud, hiding of material fact as specified in the proposal form or at time of claim, or non-cooperation by the insured individual. The insured, in this situation, receives 30 days notice through a registered letter at his/her last known address.

  • Is this policy portable?

    Yes, this policy is portable. If an insured individual wants to port the policy, he/she can make an application to the company in the appropriate form. This should be done at least 45 days prior but not before 60 days from the due renewal date.

  • What is the free lookup period provided under this plan?

    The policyholders are provided with a free look period of 15 days where they can review the terms and conditions of this policy. If they are not satisfied with the same, they can ask for policy cancellation. The insurance company may allow a refund of premium paid thereafter adjusting the stamp duty charges. Also, the proportionate risk premium for the period concerned will be adjusted if no claim has been made until then. Note that the free look period is not applicable at the time of policy renewal.

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