Star Health and Allied Insurance Company Limited
Special Care Gold
Designed for persons living with Disability and/or HIV/AIDS
UIN SHAHLIP23182V012223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 lakh
Claim settlement (CSR)
99.06%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
20%
Room rent prop. ded.
Yes
Pre / post hosp.
30 / 60 days
Network hospitals
14,000+
Free look
30 days
What this plan does well
- DISTINCTIVE POPULATION: Designed for persons living with Disability and/or HIV/AIDS
- HIV/AIDS waiting 90 DAYS (vs exclusion in most other plans)
- Disability PED waiting 24 months (most plans exclude or 36mo)
- Lump sum HIV/AIDS payout 100% SI if CD4 <150
- Indemnity AND Benefit type
- AYUSH inpatient up to SI
- Standard PED 36 months
Watch out for
- 20% MANDATORY co-pay on every claim (CIS 2(L)) — major dealbreaker (waivable as optional cover only)
- Proportionate deduction on room rent (1% SI/day)
- 30/60 pre/post — short window
- Modern Treatments capped at 50% SI
- Cataract sub-limited to ₹40K/eye/year
- Road Ambulance modest ₹2K
- Maternity excluded
- Lower cover bands (3L/5L/10L)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.