The Star Special Care Gold policy offered by Star Health and Allied Insurance Co. Ltd. is a specialized health insurance plan designed to provide coverage and support for individuals with special needs or disabilities. Here are the key features of the Star Special Care Gold policy:
Coverage for Special Needs: The policy offers coverage for medical expenses related to the treatment and care of individuals with special needs or disabilities. This includes expenses for consultations, therapies, medications, medical equipment, and assistive devices.
In-patient Hospitalization: Coverage is provided for expenses related to in-patient hospitalization, such as room rent, nursing charges, doctor's fees, ICU charges, operation theater charges, and other related medical expenses.
Pre and Post-hospitalization Expenses: The policy may cover medical expenses incurred before and after hospitalization for a specified period, ensuring comprehensive coverage for the entire treatment process.
Day Care Procedures: Coverage extends to cover day care treatments and procedures that are medically necessary for individuals with special needs or disabilities.
Ambulance Charges: Reimbursement of ambulance charges incurred for transporting the insured person to the hospital in case of a medical emergency related to the covered condition.
No Claim Bonus: Some variants of the policy may offer a no claim bonus benefit, wherein the sum insured increases for every claim-free year, rewarding policyholders for maintaining good health.
Cashless Hospitalization: Policyholders can avail of cashless treatment at Star Health's vast network of hospitals, making the claim process smooth and hassle-free.
Lifetime Renewability: Policyholders have the option to renew the policy for a lifetime, ensuring continuous coverage for their healthcare needs throughout their lives.
Family Coverage: The policy may provide the option to cover the entire family under a single policy, ensuring comprehensive coverage for all family members with special needs or disabilities.
Tax Benefits: Premiums paid towards the policy may be eligible for tax benefits under Section 80D of the Income Tax Act, 1961, subject to applicable tax laws.
The Star Special Care Gold policy aims to provide financial protection and support for individuals with special needs or disabilities, ensuring access to quality healthcare services when needed. It is essential to review the policy documents, including terms, conditions, and exclusions, to understand the coverage offered under the policy fully. Additionally, consulting with an insurance advisor can help in selecting the most suitable coverage options based on individual needs and requirements.
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