Star Health
Special Care
STAR Special Care is a plan specifically designed for people aged between 3 and 25 years with Autism Spectrum Disorder. And considering this is a plan built for special needs individuals, it comes with several restrictions including restrictions on the kind of room you can pick, a co-payment clause and limited pre/post–hospitalization coverage. Additionally, Star Health does have some room for improvement when it comes to their overall operational proficiency.
What's good here?
Autism Spectrum Support
This is a specially designed policy for children diagnosed with Autism Spectrum Disorder.
This is a specially designed policy for children diagnosed with Autism Spectrum Disorder.
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.
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.
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.
Restrictions on the rooms you can pick and much more
Your insurer won’t let you stay in a room whose rent exceeds ₹5,000. But in the event, you breach this limit, get ready to pay a lot more. - Read more here
What's okay here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for 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.
Your insurance cover won’t be fully available in case you are treated for 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.
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests after hospitalizing you. The insurer has your back. They will cover this amount for 60 days after discharge (but not exceeding 7% of the hospitalization expenses). This includes the cost of medication by the way.
Frequently Asked Questions
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