Star Smart Health Pro Plan Benefits & Coverage | PolicyX
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Star Smart Health Pro Plan

Sum insured available between ₹5 Lakhs to ₹1 Crore, along with coverag ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement

About Star Smart Health Pro Plan

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

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, or 3 years. Star Smart Health Pro policy offers a wide range of sum insured options between ₹5 Lakhs to ₹1 Crore with 5 optional covers available at a minimal additional premium:

  • Cumulative Bonus Booster
    Provides an additional bonus for every claim-free year, up to a maximum of 600% of the sum insured.
  • Modification of Room Category
    Allows you to enhance or reduce your room category.
  • Reduction of PED Waiting Period
    Reduces the pre-existing diseases waiting period from 48 months to 36, 24, or 12 months as per your needs.
  • Coverage for Non-medical Items
    Covers non-medical items such as gloves, syringes, and other instruments.
  • Unlimited Automatic Restoration
    Provides 100% automatic sum insured restoration for an unlimited number of times, even if partially or completely exhausted.

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 advanced features, discussed further in this article.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Adults: 18 to 50 Years, Children: 91 Days to 25 Years
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
NA
Policy term
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Modify Room Category
  • Up to 600% Cumulative Bonus
  • Reduced Waiting Period
  • Non-Medical Items Covered
  • Unlimited Automatic Restoration

Cons

  • Adventure Sports Injuries
  • AIDS not covered
  • Injuries due to Illegal activities
  • No IVF Treatment
  • Obesity Not Covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Star Smart Health Pro Benefits

Star Smart Health Pro, a recent launch by Star Health Insurance, offers holistic healthcare benefits for you and your family.

  • Health Cover For Everyone

    Under the family floater variant, you can cover yourself, your spouse/live-in partner/same-sex partner, and dependent children (up to 2 adults and 3 dependent children).

  • Avail Multiple Discounts

    Policyholders are eligible for multiple discounts, including wellness discounts, long-term discounts (for terms over 1 year), and online purchase discounts.

  • Value Added Services

    The plan offers a range of value-added services such as teleconsultations, medical concierge services, a digital health vault, and post-operation care.

  • Tax Benefits

    Avail tax benefits under Section 80D of the Income Tax Act, 1961.

  • Sum Insured Options

    A flexible and customizable plan, Star Smart Health Pro offers sum insured options ranging from ₹5 Lakhs to ₹1 Crore, allowing you to choose an adequate amount for your family.

Star Health Insurance Network Hospital List

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Star Smart Health Pro Plan Premium Table

The premiums below are for individual and family floater plans, excluding GST, for a 1-year policy term of the Star Smart Health Pro Plan. For more details, contact PolicyX experts.

1 Adult

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

Premium Chart for First Child

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

Premium Chart for Third Child

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

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not covered under the Star Smart Health Pro plan include:
  • 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 waiting period:
  • Pre-existing diseases: 48 Months
  • Specific Ailments: 24 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18-50 Years
  • Sum Insured: ₹5 Lakhs to ₹1 Crore
  • Initial Waiting Period: 30 Days

Other features & benefits

Conclusion

Star Smart Health Pro is a new digital health insurance plan designed for individuals and families seeking a customizable experience. It covers medical needs during hospitalization and promotes a healthy lifestyle through wellness and value-added services. This plan is ideal for families looking for a high sum insured and a wide range of benefits.

Star Smart Health Pro Plan: FAQs

The 5 most-asked questions about Star Smart Health Pro Plan, answered.

Individuals can purchase the Star Smart Health Pro policy between the ages of 18 to 50 years. Dependent children can also be covered under the plan from the 91st day till 25 years of age.
The Star Smart Health Pro policy offers varied sum insured options. You and your family can opt from the following sum-insured options 5 L 10 L 15 L 20 L 25 L 50 L 75 L and 1 Crore
You can cover up to 2 adults and 3 dependent children under the Star Smart Health Pro plan.
You can opt for any one of the following optional covers to enhance the overall coverage of your plan along with the base features Cumulative Bonus Booster Modification of Room Category Reduction of PED Waiting Period Coverage for Non-medical Items Unlimited Automatic Restoration
Yes, on opting Reduction of the PED Waiting Period optional cover, you can reduce the waiting period of pre-existing disease coverage from 48 months to 36/24/12 months.

Explore Star Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Kaur Vij — Health and Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 23 Jan 2024 · Originally published: 13 Sep 2024

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