Star Health
Special Care Gold
Star Special Care Gold is a specialized health insurance policy tailored for individuals with disabilities (as per The Rights of Persons with Disabilities Act, 2016) and those with HIV/AIDS. It offers coverage up to ₹5 lakhs, with no pre-policy medical check-up required. It covers room, boarding, and nursing expenses, ICU charges, surgeon fees, anesthesia, and modern and AYUSH treatments.
What's good here?
HIV/AIDS & Disability Support
This is a specially designed policy for individuals diagnosed HIV/AIDS or having disabilities (40% or more).
This is a specially designed policy for individuals diagnosed HIV/AIDS or having disabilities (40% or more).
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
What's bad here?
You will have to pay a portion of the bill
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
Restrictions on the rooms you can pick and much more
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more - Read more here
Maternity benefits not offered
TODO
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataracts and Modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Doctor consultations are not covered
TODO
What's okay here?
Reasonable waiting period for pre-existing diseases
If you are already dealing with HIV/AIDS, then the insurer will cover you after 90 days. For Pre-Existing Disability, you will be covered after 2 years. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 3 years before they start covering these complications.
If you are already dealing with HIV/AIDS, then the insurer will cover you after 90 days. For Pre-Existing Disability, you will be covered after 2 years. However, if you are dealing with other pre-existing diseases including thyroid and cardiovascular problems, then you’ll have to wait 3 years before they start covering these complications.
What's lacking here?
No Restoration Benefit
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you ’re in fine working condition, be ready to pay for it yourself.
Frequently Asked Questions
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