Star Special Care

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 one of 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 one of the best medical treatment to their Children with autism without worrying about the costs.  Star Special Care is one of the few policies in India that addresses the need for health insurance for special needs child India, ensuring comprehensive coverage for autism and related therapies. 

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. Parents often ask, is speech therapy covered by insurance in India? With Star Special Care, speech therapy is included along with ABA and occupational therapies, making it a holistic plan for autism care. 
• 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.

This policy is ideal for families searching for health insurance for special needs children in India, as it specifically caters to children diagnosed with autism spectrum disorder. 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

For families wondering is speech therapy covered by insurance in India, Star Special Care provides clear coverage for speech therapy sessions, ensuring better communication development for your child. 

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.