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.

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.

FAQs

Q1. Is there any waiting period under the Star Special Care Insurance policy?
Ans: Yes. Star Special Care Insurance policy comes with the following waiting periods:
- Pre-existing Diseases Waiting Period – 48 months
- Specified Diseases/ Procedures Waiting Period –24 months
- Initial Waiting Period – 30 days
Q2. Do I need to submit any documents while buying a Star Special Care Insurance policy?

Ans: Yes. You need to submit a copy of all prior treatments taken by the autistic child from concerned specialists at the time of buying the Star Special Care Insurance policy.
Q3. Is ASD covered in insurance?

Ans: Yes. ASD or Autism Spectrum Disorder is covered under the Star Special Care Insurance policy. However, the coverage under this policy is available only for children up to 25 years.
Q4. Can I cancel the Star Special Care Insurance policy after buying it?

Ans: Yes. You can cancel the Star Special Care Insurance policy any time after buying. In case you cancel your policy within the first 15 days of buying it, your policy will be cancelled without any cancellation charges. But if you cancel the policy after this period, you will have to pay a cancellation fee to Star Health & Allied Insurance Company.
Q5. How many modern treatments are covered under the Star Special Care Insurance policy?

Ans: About 12 modern treatments are covered under the Star Special Care Insurance policy. They include stem cell therapy, oral chemotherapy, deep brain stimulation, robotic surgeries, bronchial thermoplasty, vaporization of the prostate, stereotactic radio surgeries, intra vitreal injections, IONM, uterine artery embolization & HIFU, immunotherapy and balloon sinuplasty.