Star Smart Health Pro Plan
vs
Hdfc Ergo Personal Accident Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Star Smart Health Pro Plan |
805-1730283766.webp){kind=logo} Hdfc Ergo Personal Accident Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
14000 | 12000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | - |
| Plan Entry Age | 18 to 50Years, Children: 91 Days to 25 Years | 18 to 65 years |
| Plan Premium Entry Age and S/A | 6944 | N/A |
| Plan Waiting Period | 30 | None |
| Plan Coverage | - | Accident individual cover |
| Plan Sample Premium | - | N/A |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3 years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Not Covered | - |
| Claim Ratio | 65 | 98.59 |
| Solvency Ratio | 2.0 | 1.7 |
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance plan for themselves and their families. This policy can be purchased on an individual and family floater basis and is available for 1/2/3 years. Star Smart Health Pro policy offers a wide range of sum-insured options between 5 L to 1 Crore with 5 optional covers to opt from at a minimal additional premium which are
As a Star Smart Health Pro policyholder, you can cover family members like your spouse/live-in-partner/same-sex partner and dependent children. The plan truly reflects its name and offers pro features which are discussed further in this article.
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