Star Special Care Insurance

(181 Reviews)
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      Star Special Care Insurance

      Star Special Care is an affordable indemnity-based medical insurance policy for children diagnosed with Autism Spectrum Disorder. The plan by Star Health and Allied Insurance Company caters to the different and specific needs of autistic children. With this special health insurance for autism, parents can provide the best medical treatment available to their autistic child without any financial constraints.

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      Star Special Care Insurance - Highlights

      Ideal for Autistic children
      Star Health Network Hospitals 12000+
      Sum Insured Rs 3 lakh
      Incurred Claim Ratio (2020-21) 94.44%
      Pre-acceptance Medical Check-up Not required
      Pre-existing Diseases Waiting Period 4 years
      Co-pay 20%

      Key Features of Star Special Care Insurance

      Here are some of the key features of the Star Special Care Insurance plan:

      • Autism Cover: This is a special health insurance plan that offers medical cover to children diagnosed with Autism Spectrum Disorder.
      • Indemnity Cover: This Star Health Insurance for Autism plan is a regular indemnity-based health plan.
      • Cashless Hospitalization: The insured children can avail cashless hospitalization facilities at more than 12000 network hospitals of Star Health & Allied Insurance Company.
      • No Pre-acceptance Medical Screening: Autistic children do not have to undergo any pre-acceptance medical test to buy this policy.
      • Specialized Cover: It covers outpatient treatment expenses incurred on specialized treatment such as Behavioural Therapy, Speech Therapy, Physiotherapy and Occupational Therapy.
      • Tax Benefits: The premium paid for this policy is eligible for tax deductions under Section 80D of the Income Tax Act 1961.

      Star Special Care Eligibility Criteria

      Take a look at the following table to know the eligibility criteria for the Star Special Care Insurance plan:

      Categories Eligibility Criteria
      Minimum Entry Age 3 years
      Maximum Entry Age 25 years
      Coverage Type Individual
      Who Can Buy? Any child with Autism Spectrum Disorder

      Inclusions of Star Special Care Insurance

      Star Special Care Insurance includes the following coverage:

      • In-patient Hospitalization Expenses: It covers hospitalization expenses that include room charges, nursing charges and boarding expenses of up to Rs 5,000 on a daily basis. It also covers the fees charged by the surgeons, doctors, anaesthetists, specialists and along with the cost of blood, oxygen, anaesthesia, surgical appliances, operation theatre charges, medicines and drugs.
      • Day Care Procedures: All the day care procedures are claimable.
      • OPD Cover: It covers OPD expenses incurred by the insured on treatment taken for Occupational Therapy, Behavioral Therapy, Physiotherapy, and Speech Therapy.
      • Emergency Ambulance Cover: It covers ambulance charges for up to Rs 750 for each hospitalization and up to Rs 1500 for each policy term.
      • Post-hospitalization Expenses: The policy covers post-hospitalization expenses equivalent to 7% of the hospitalization cost or actual charges for up to 60 days after getting discharged.
      • Modern Treatments: It also covers the expenses incurred on availing modern treatments.
      • Specific Ailments/ Treatments: It covers the expenses incurred on specific ailments/ treatments, including Adeno Tonsillectomy, seizures treatment, botox injection and hospitalization for fracture treatment requiring surgery,

      Exclusions of Star Special Care Insurance

      The following treatments/ medical expenses are excluded under a Star Special Care Insurance plan:

      • Unproven treatments &therapies
      • Naturopathy treatment
      • Psychological, Psychiatric, Bone marrow transplantation, Implantation, Chondrocyte, and Immunotherapy without proper indication
      • Hospital registration charges, record charges, admission charges, telephone charges, etc.
      • Non-allopathic treatments
      • Change of sex or aesthetic or cosmetic treatment, plastic surgery, erectile dysfunctions, etc.

      If you have any insurance-related queries regarding Star Special Care Insurance, you can speak to our experts at 1800-419-7715 or 1800-258-5970.

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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