Star Special Care Health Insurance

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 

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 

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. 

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.

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

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.

The policy is available for a term of 1 year.

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

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.

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.

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.

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.