Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
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.
To understand Star Smart Health Pro Plan Insurance in detail, take a look at the below table:
18 to 50Years, Children: 91 Days to 25 Years
Individual and Family Health Insurance
5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr
30 Days
NA
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Star Smart Health Pro Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Star Smart Health Pro launched by Star Health Insurance is one of their latest launches and promises you and your family holistic healthcare benefits
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Premiums calculated in the table below are based on individual and family floater basis excluding GST for 1-year policy term of the Star Smart Health Pro Plan. For further premium details contact our team of experts at PolicyX
Sum Insured (In Rs.) | 5 L | 25 L | 50 L | 75 L | 1 Cr |
Premium (In Rs.) | 5,634 | 10,398 | 11,836 | 13,621 | 14,609 |
Sum Insured (In Rs.) | 5 L | 25 L | 50 L | 75 L | 1 Cr |
Premium (In Rs.) | 2,310 | 4,130 | 4,749 | 5,319 | 5,745 |
Sum Insured (In Rs.) | 5 L | 25 L | 50 L | 75 L | 1 Cr |
Premium (In Rs.) | 2,236 | 3,999 | 4,598 | 5,150 | 5,562 |
Permanent diseases or health conditions that are not included under the Star Smart Pro Health plan are mentioned below
Injury or diseases caused due to involvement in illegal activities
Hospitalization caused due to adventure sports
Change of gender treatments
Plastic surgeries or cosmetic treatments
Treatment for obesity
Certain diseases and treatments are covered under this plan after a specific period which is mentioned below
Pre-existing diseases 48 Months
Specific Ailments 24 Months
Star Smart Health Pro is a new digital health insurance plan designed for individuals and families who want a truly customizable experience when purchasing a health insurance plan. The plan not only takes care of your medical needs during hospitalization but also encourages you to keep fit and maintain your lifestyle by including various wellness and value-added services. If you are looking for a high range of sum insured for your family along with a plethora of benefits this is your ideal health plan.
To cater to the different medical needs of an individual & their family, Star Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Star Health Insurance plans explore more:
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Top Up and Super Top Up
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Top Up and Super Top Up
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Critical Illness Health Insurance
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Senior Citizen Health Insurance
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Critical Illness Health Insurance
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Individual and Family Health Insurance
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Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....
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Individual and Family Health Insurance
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Individual and Family Health Insurance
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