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.

Star Special Care Health Insurance Wordings

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Highlights

Cashless Approval TAT	90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio	89.90%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

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Star Special Care Brochure

187.77 KB
PDF Document
Apr 18, 2019

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Name of Plan	Sum Insured
Smart Health ProPopular		Check Premium
Women CarePopular		Check Premium
PremierePopular		Check Premium
AssurePopular		Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 yearsPopular	3 Lakh-1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years	50,000 - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years	25 Thousand - 1 Lakh	Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years		Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years		Check Premium
Family DeliteMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years	1 Lakh	Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years	5 Lakh	Check Premium
Red CarpetMini: 60 Years; Max 75 Years	1 Lakh	Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years	3 Lakh	Check Premium
Cardiac CareMin: 10 Years; Max 65 Years	3 Lakh	Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years	3 Lakh	Check Premium
Star Health GainMin: 91 Days; Max: 65 Years	1 Lakh	Check Premium
Special Care Min: 3 Years; Max: 25 Years	3 Lakh	Check Premium
Criticare PlusMin 18 Years; Max: 65 Years	2 Lakh	Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years	3 Lakh	Check Premium

Star Health Insurance Top Up List

Family (1)
Individual (1)

Name of Plan	Sum Insured
Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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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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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.