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All about Star Health Insurance and Plans
Star Health Insurance
Star Special Care
A unique health plan for individuals diagnosed with Autism Spectrum Di ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,755 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Special Care
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Health Special Care is a unique individual indemnity plan designed for individuals diagnosed with Autism Spectrum Disorder. It offers a sum insured of INR 3 lakh for a tenure of 1 year. This affordable plan is available for individuals aged between 3 to 25 years.
The plan has a 48-month waiting period for pre-existing diseases and a 24-month waiting period for specific diseases. While subject to sub-limits, it provides multiple coverage benefits such as room rent, emergency ambulance, day care procedures, and modern treatments.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
1 to 25 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L
Waiting period
30 days
Renewability
NA
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Modern Treatment Available
- Day Care Procedures Available
- Ambulance cover
- Room rent cover
- Shared Accommodation cover
Cons
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Pre-existing Disease
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Not covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions not covered under Star Health Special Care include:
- Hospitalization due to war, riot, strike, and nuclear weapons.
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a specific waiting period:
- Listed ailments after 24 Months
- Pre-existing diseases after 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 3 Years
- Max Entry Age: - 25 Years
- SI: - 3 L
- Waiting Period: - 30 Days
Other features & benefits
- Treatment of Seizures
- Behavioral Therapy Cover
- Speech Therapy Cover
- Occupational Therapy Cover
- Adeno Tonsillectomy
Star Health Special Care Plan: FAQs
The 5 most-asked questions about Star Special Care, answered.
Any individual who has been diagnosed with autism spectrum disorder can purchase the star health special care plan. The entry age for star health special care is 3 to 25 years.
The Star special care policy is available as an individual plan and can not cover family members under the same policy.
Pre-medical health check-up is not required when purchasing the star health special care plan. However, the individual must provide all past medical records to the insurer.
Star health special care has a policy tenure of 1 year.
The waiting periods for the plan are as follows For Pre-Existing Diseases - 48 months For Specific Diseases/Procedures - 24 months Initial Waiting Period - 30 days (Except for Accidents)
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