Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
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. Choosing the best health insurance for autistic child is the responsibility of the parents. Let's discuss health insurance for autistic children.
IRDAI UIN: SHAHLIP21243V022021
HIGHLIGHTS
Plan Essentials
Unique Policy
A special policy that provides indemnity cover for people diagnosed with Autism Spectrum Disorder.
Entry Age
People aged between 3 and 25 years who diagnosed with Autism Spectrum Disorder can avail this policy.
Sum Insured
This policy provides a Sum Insured of Rs. 3,00,000/-.
Medical Examination
Pre-insurance medical screening is not mandatory to avail this policy. However, a copy of all past medical records are required to be submitted.
Detailed List
Understand what’s included
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. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
Waiting Period
1. For Pre-Existing Diseases - 36 months
2. For Specific Diseases/Procedures - 24 months
3. Initial Waiting Period - 30 days (Except for Accidents)
Modern Treatments
Coverage for Modern Treatments please click here.
Renewal
Renewal upto the age of 25 years. Beyond 25 years of age the insured person/s will be offered any other suitable Individual Indemnity based Health Insurance Product with continuity benefits for applicable waiting period.
Grace Period For Renewal
30 days from date of expiry of policy.
Free Look Period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
Treatments Covered
The expenses incurred on treatment of certain procedure and/or treatments are payable up-to the limits mentioned hereunder:
| Ailment / Treatment | Limit per policy period Rs. |
|---|---|
| Adeno Tonsilectomy | Rs.25,000/- per policy period |
| Hospitalization for Treatment of Seizures | Rs.30,000/- per policy period |
| Hospitalization for Treatment of fractures requiring surgery | Up to 20% of the sum insured per policy period |
| Botox injection (Payable when administered during inpatient hospitalization only) | Rs.5000/- per sitting subject to a maximum of Rs.20,000/- per policy period. |
| Behavioral Therapy, Physiotherapy, Occupational Therapy and Speech Therapy | Up to Rs.1,500/- per policy period |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
Looking for something else?
View all PlansGET STARTED
Be Assured of the Best
Get your future secured with us.
Want more information?
Ready to get your policy?
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 children in 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: Coverage for Therapies and Treatments: Includes ABA therapy, 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 per year, making the policy affordable for families.
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.
HELP CENTRE
Confused? We’ve got the answers
We’re Star Health. We offer the coverage that’s designed to help keep you healthy. It's the care that comes to you, and stays with you.
It is a specialized health insurance policy designed to offer extensive autism insurance coverage for children and young individuals diagnosed with autism spectrum disorder.
Yes, autism is covered by health insurance, including therapies, diagnostic tests, and hospitalization expenses. This makes it a top choice for families looking for autism insurance in India.
This plan covers autism ABA therapy insurance coverage, ensuring your child receives all the essential treatment.
People Also Search For
Disclaimer:
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
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. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
