Star Special Care
Health care is a vital concern for all age groups, especially for the specially-abled. According to a study published in the Indian Journal of Paediatrics, the prevalence of autism in India is around 1 in 68 children, with boys being more commonly affected than girls. Medical expenses can significantly impact your savings or lead to debt during health emergencies.
Securing the right health insurance for your family is crucial. Finding suitable insurance for autism can be challenging for families with children diagnosed with autism spectrum disorder. Star Health Insurance addresses this need with the Star Special Care policy. This policy provides comprehensive medical insurance coverage for children and young adults aged 3 to 25 years, ensuring they receive the best medical treatment without financial worries.
IRDAI UIN: SHAHLIP21243V022021
HIGHLIGHTS
Plan Essentials
Unique Policy
Entry Age
Sum Insured
Medical Examination
DETAILED LIST
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IMPORTANT HIGHLIGHTS
Policy TypeThis policy provides benefits only on an Individual basis. |
Policy TermThis policy can be availed for a term of one year. |
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours are covered. |
Post-HospitalisationPost-hospitalisation medical expenses incurred up to 60 days from the date of discharge from the hospital are covered up to 7% of the hospitalisation expenses or actuals. |
Room RentRoom, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 5,000/- per day. |
Shared AccommodationExpenses incurred on occupying a shared accommodation by the insured person are covered up to Rs.500/- per day subject to a maximum of Rs.2,000/- per hospitalisation and Rs.10,000/- per policy period. |
Emergency AmbulanceAmbulance charges for the transportation of an insured person by private ambulance are covered up to Rs. 750/- per hospitalisation and Rs. 1500/- per policy period. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Co-PaymentThis policy is subjected to co-payment of 20% of each and every claim amount for fresh as well as renewal policies. |
Modern TreatmentExpenses incurred for Modern treatments such as Robotic Surgeries, Oral Chemotherapy, etc., are payable to the extent of the limits mentioned in the policy clause. |
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
Sub-LimitsThe policy is subjected to sub-limits for certain procedures and treatments as mentioned in the policy clause. |
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Star Special Care
Health care is a wealth for all age groups. It is of utmost concern for the specially-abled. According to a study published in the Indian Journal of Paediatrics, the prevalence of autism in India is around 1 in 68 children. The same survey mentioned that boys are more commonly affected by autism than girls. Spending on medical treatment might lower your bank savings or put you in debt during a health emergency.
Securing the right health insurance for your family is more important than ever. Finding the best insurance for autism can be challenging for families with children diagnosed with autism spectrum disorder. Still, Star Health Insurance understands this need and offers a revolutionary policy—Star SPECIAL Care. This policy is designed to provide autism insurance coverage for children and young adults diagnosed with autism disorder between the ages of 3 and 25.
What is Star Special Care?
Star SPECIAL Care is a unique health insurance policy tailored to meet the unique healthcare needs of children and young individuals identified with autism spectrum disorder. It provides autism insurance coverage for different medical expenses, including hospitalization and diagnostic tests. With this policy, families can provide the best medical treatment to their autism children without worrying about the costs.
Benefits of Star Special Care
The policy has many health benefits, including a sum insured of Rs. 3 lakhs. Here are some of the advantages of the Star Special Care plan:
- Hospitalization Expenses: Covers room rent, ICU charges, surgery bills, nursing, and medication expenses.
- Therapies: Provides coverage for autism, ABA therapy insurance coverage, speech therapy, and occupational therapy.
- Diagnostic Tests: Covers the cost of all diagnostic tests (like MRI, CT scans, blood tests etc).
- Emergency ambulance charges - Actuals are subject to a maximum of 750 Rupees per hospitalization and an overall limit of 1,500 Rupees per policy period.
- Pre- and Post-Hospitalization Expenses: Covers medical expenses incurred up to 30 days before hospitalization and 60 days after discharge.
- Daycare Procedures: Covers medical costs that require hospitalization for less than 24 hours.
- Coverage for Therapies and Treatments: Provides coverage for autism ABA therapy insurance coverage, speech therapy, Behavioral therapy, Botox injections, Deno Tonsillectomy, occupational therapy, and many more.
- AYUSH Treatments: This covers treatments under the Ayurveda, Unani, Siddha, and Homeopathy systems of medicine.
Eligibility Criteria for Star Special Care
Star Health has defined eligibility criteria to ensure the policy reaches the right individuals.
- Minimum Entry Age: 3 years
- Maximum Entry Age: 25 years
- Who can avail: The policy is available to children and young individuals diagnosed with autism spectrum disorder.
- Coverage Type: The policy can cover the entire family, including spouses, children, and dependent parents.
Key Features of Star Special Care
1.No Pre-Medical Checkup: This policy does not require a pre-medical checkup/test.
2.Autism Insurance Coverage: The policy provides autism insurance coverage, including hospitalization and diagnostic tests.
3.Cost-effective Premiums: Premiums start at 4,800. The policy is designed to be affordable for families every year.
4.Cashless Treatment: Beneficiaries can get cashless treatment at any of Star Health’s network hospitals across India.
5.Flexible Sum Insured: The policy provides a sum insured 3,00,000, ensuring suitable financial protection for families.
6.Modern Treatments: The policy offers treatments such as autism ABA therapy insurance coverage, ensuring your child gets quality healthcare.
Exclusions of Star Special Care
Though the Star Special Care Policy has many benefits, some expenses are not covered by the policy. The expenses excluded from the Star Special Care are given below:
- The expenses for the unproven treatments and therapies.
- Naturopathy treatment.
- Non-Allopathic treatment expenses.
- Expenses like hospital registration charges, admission charges, record charges, and telephone charges.
- Charges for the change of sex, aesthetic or cosmetic treatment, plastic surgery, erectile dysfunctions, etc.
- Expenses related to Sterility and infertility.
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The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.