Star Smart Health Pro Plan
  • Automatic Restoration Benefit
  • Air Ambulance Cover
  • Star Wellness Program
Star Health Insurance
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Star Smart Health Pro Plan

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

  • Cumulative Bonus Booster
    Providing customers with an additional bonus for every claim-free year subject to a maximum of 600% of the sum insured.
  • Modification of Room Category
    Under this optional cover you can enhance or reduce your room category at your convenience
  • Reduction of PED Waiting Period
    If opting for this optional cover, you can reduce the pre-existing diseases waiting period from 48 months to 36/24 or 12 months as per your needs and requirements
  • Coverage for Non-medical Items
    Coverage for non-medical items such as gloves, syringes, and other such instruments will be payable upon opting for this cover
  • Unlimited Automatic Restoration
    If you have partially or completely exhausted your sum insured you need not worry, as this optional cover provides 100% automatic sum insured restoration for an unlimited number of times.

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.

Star Smart Health Pro Eligibility Criteria

If you are wondering if you and your family members are eligible for the Star Smart Health Pro plan, refer to the entry-age eligibility criteria mentioned below

Entry Age

Minimum: 18 Years Children: 91 Days to 25 Years

Adult Entry Age

Maximum: 50 Years

Plan Type

Individual/Family Floater

Sum Insured

5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr

Policy Term

1/2/3 Years

Initial Waiting Period*

30 Days

Read more specifications in the brochure.

*The initial waiting period is the 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*

Star Smart Health Pro Benefits

Star Smart Health Pro launched by Star Health Insurance is one of their latest launches and promises you and your family holistic healthcare benefits

  • Health Cover For Everyone

    Under the Star Smart Health Pro Policy family floater variant, you can cover yourself and your spouse/live-in partner or same-sex partner as well as dependent children. Under this policy, you can cover up to 2 adults and 3 dependent children.
  • Avail Multiple Discounts

    On investing in Star Smart Health Pro policy you and your family are entitled to multiple discounts associated with the plan. This plan discounts are wellness discounts, long-term discounts for policy terms opted for more than 1 year, online purchase discounts, and more.
  • Value Added Services

    A plethora of value-added services are offered to you and your family members upon purchasing the Star Smart Health Pro plan like teleconsultations, medical concierge services, a digital health vault, post-operation care, and other such facilities for your ease.
  • Tax Benefits

    You can avail of tax benefits under section 80 D of the Income Tax Act, 1961 when purchasing the Star Smart Health Pro plan.
  • Sum Insured Options

    A truly flexible and customizable plan, the Star Smart Health Pro Policy offers you and your family a wide range of sum insured options available between INR 5 L to 1 Crore. You can opt for an adequate sum insured amount for yourself and your family.

Choose Your Star Smart Health Pro Plan

As per the policy schedule, you can opt for the following sum insured along with the following coverage benefits

In-patient & Out-patient coverage

Room Rent

Covered, Private Single A/C Room

ICU Charges

Covered Up to SI

Pre-Hospitalization

Covered for Up to 60 days

Post-Hospitalization

Covered for Up to 180 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered Up to SI

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Applicable, 50% up to a maximum of 100% of SI

Automatic Restoration

Applicable

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered Up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered Up to SI

Emergency Coverage

Ambulance

Covered Up to SI

Air Ambulance

Covered Up to 10% of SI

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Not Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, the room rent is covered for Private Single A/C Room

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, ICU charges are covered up to SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, pre-hospitalization is covered for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan covers medical expenses incurred during post-hospitalization for 180 Days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan covers domiciliary hospitalizations for medical treatments from a period exceeding three days.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan covers the expenses of all daycare procedures up to SI.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Star Smart Pro Health Plan?

OPD charges are not covered under the Star Smart Pro Health Plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan offers a 50% no-claim bonus on a claim-free policy year for each policy year, subject to a maximum of 100% or up to 600% of the Sum Insured if opting for cumulative bonus booster optional cover.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan does offer automatic restoration each time up to 100% of the Sum Insured (an unlimited number of times in a policy year) as an optional cover.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization..

Coverage status under Star Smart Pro Health Plan?

Daily hospital cash is not available under the Star Smart Pro Health Plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, organ donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, maternity coverage is not available.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • ongenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, a newborn baby cover is available

For SI 5 L - up to INR 50,000

For SI 10 L - up to INR 1,00,000

For SI 15 L - up to INR 1,50,000

For SI 20 L to 1 Crore - INR 2,00,000

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, AYUSH treatments are covered up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, IVF coverage is not available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, modern treatments are covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, ambulance cover is covered up to SI

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, the air ambulance is covered up to 10% of the Sum Insured.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, global coverage is not covered.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, E-consultation is covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Star Smart Pro Health Plan?

Under the Star Smart Pro Health Plan, a health check-up is covered

  • For SI 5 L - up to INR 1,500
  • For SI 10 L - up to INR 2,000
  • For SI 15 L - up to INR 4,000
  • For SI 20 to 50 L - INR 5,000
  • For SI 75 L and 1 Crore - INR 8,000
What is a Second Medical Opinion?

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 status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan does not cover the expenses for a second medical opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Star Smart Pro Health Plan?

Star Smart Pro Health Plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

What is the status of co-payment under the Star Smart Pro Health Plan?

A co-pay is not applicable under the Star Smart Pro Health Plan.

What is the Sub limit?

Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.

What is the status of sub-limit under the Star Smart Pro Health Plan?

Sub-limits are not applicable under the Star Smart Pro Health Plan

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.

Star Smart Health Pro Plan Premium Table

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

1 Adult

Sum Insured (In Rs.)5 L25 L50 L75 L1 Cr
Premium (In Rs.)5,63410,39811,83613,62114,609

2 Child Premium Chart for First Child

Sum Insured (In Rs.)5 L25 L50 L75 L1 Cr
Premium (In Rs.)2,3104,1304,7495,3195,745

3 Child Premium Chart for Third Child

Sum Insured (In Rs.)5 L25 L50 L75 L1 Cr
Premium (In Rs.)2,2363,9994,5985,1505,562

Star Smart Health Pro Plan Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

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

Conclusion

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.

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health 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 explore more:

Comprehensive

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Youth-specific

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Standard

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Flexible

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Individual Plan

A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.

Unique Features

  • Affordable Premiums
  • Long Term Discounts
  • Automatic Restoration

Star Health Premier Policy (Pros)

  • Cataract Treatment Cover
  • 10% Health Check- Up Discount
  • High SI
  • Home Care Treatment
  • Road Ambulance Cover

Star Health Premier Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Premier Policy (Other Benefits)

  • Hospice Care
  • Pain Management
  • AYUSH Treatment
  • Modern Treatment
  • 100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 10 L to 1 Cr
  • Waiting Period - 30 Days

Women Care

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Top-up

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Care Policy

Star Cardiac Care Policy-Platinum

A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options

Unique Features

  • High SI available
  • 100% No Claim Bonus
  • Avail Non-Cardiac Cover

Star Cardiac Care Policy-Platinum (Pros)

  • Avail Heart Transplantation
  • Long Term Policy
  • Up to 15 L SI
  • Cardiac device cover
  • Installment options available

Star Cardiac Care Policy-Platinum (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Cardiac Care Policy-Platinum (Other Benefits)

  • Wellness Services
  • Angiogram Test
  • Modern Treatments
  • Pain Management
  • Health Check-ups

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

  • Entry Age - 7 Years
  • Max Entry Age - 70 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Affordable Plan

It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.

Unique Features

  • Two Plan Variants
  • Individual and Family Floater
  • Affordable

Star Hospital Cash Policy (Pros)

  • 3 Years Policy Term
  • Cover up to 3 Children
  • 180 days of hospital cash days
  • Comprehensive Plan
  • Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

  • Sickness Hospital Cash
  • Accident Hospital Cash
  • ICU Hospital Cash
  • Child Birth Hospital Cash
  • Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1k - 5k
  • Waiting Period - 30 Days

Cardiac

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Cancer care

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Individual Plan

An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.

Unique Features

  • Day care procedures
  • Modern treatments
  • Cataract treatment

Micro Rural and Farmers Care (Pros)

  • Designed for Farmers
  • Flexible Policy
  • Day Care Procedures
  • Flexible Payment Options
  • PED cover available

Micro Rural and Farmers Care (Cons)

  • 20% co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

  • No Pre-policy medical checkup
  • Modern Treatments Covered
  • Lifelong Renewal
  • Up to 15k Cataract Cover
  • ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 2 L
  • Waiting Period - 30 Days

Individual Plan

An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.

Unique Features

  • Diagnostics and physiotherapy
  • Pharmacy
  • Ophthalmic cover

Star Out Patient Care (Pros)

  • Cover up to 6 family members
  • 3 Plan variants available
  • Dental Cover available
  • Physiotherapy cover
  • Pharmacy cover

Star Out Patient Care (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Breach of law

Star Out Patient Care (Other Benefits)

  • Dental Treatments Available
  • AYUSH Treatments Available
  • Ophthalmic Treatment
  • Outpatient Consultation
  • Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 Years
  • SI - 25k - 1 L
  • Waiting Period - 30 Days

Individual Plan

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

  • Educational grant
  • Vehicle/Residence modification
  • Imported medicines

Individual Plan

Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.

Unique Features

  • No pre-policy check-up
  • Affordable Plan
  • Flexible premium payment

Special Care Gold Insurance Policy (Pros)

  • HIV/AIDS Cover
  • Waiver of Co-Payment
  • Cataract Treatment Cover
  • Day Care Treatments
  • Road Ambulance Cover

Special Care Gold Insurance Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Special Care Gold Insurance Policy (Other Benefits)

  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Disability Cover
  • High SI
  • Modern Treatment Cover

Special Care Gold Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

COVID-19

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Accident Plan

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Individual Plan

A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.

Unique Features

  • Cataract Cover
  • Affordable Premiums
  • Flexible Payment Options

Diabetes Safe Policy (Pros)

  • Road Ambulance Cover
  • Pre and Post Hospitalization
  • ICU Cover
  • Room Rent Cover
  • Day Care Treatment Cover

Diabetes Safe Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Diabetes Safe Policy (Other Benefits)

  • Dialysis Cover
  • Kidney Transplant Cover
  • Artificial Limbs Cover
  • Personal Accident Cover
  • OPD Cover

Diabetes Safe Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Platinum Plan

A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.

Unique Features

  • High SI
  • Affordable Premiums
  • Flexible Payment Options

Cancer Care Platinum Policy (Pros)

  • Cataract Cover
  • No pre-medical check-up
  • Lump Sum Cover
  • 50% Cumulative Bonus
  • Hospice Care

Cancer Care Platinum Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Cancer Care Platinum Policy (Other Benefits)

  • Second Medical Opinion
  • Rehabilitation Cover
  • Pain Management
  • Day Care Treatment
  • Modern Treatment Cover

Cancer Care Platinum Policy (Eligibility Criteria)

  • Entry Age - 5 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 30 Days

Critical Plan

A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.

Unique Features

  • High SI
  • Affordable Premiums
  • Tax Benefits

Critical Illness Multipay Policy (Pros)

  • Flexible Payment
  • Long Term Policy
  • Bone Marrow Transplantation
  • Heart Disease Cover
  • 4 Group CI Covered

Critical Illness Multipay Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Critical Illness Multipay Policy (Other Benefits)

  • Open Chest CABG
  • Heart Transplantation
  • Coma of Specified Severity
  • Wellness Programs
  • Major Head Trauma

Critical Illness Multipay Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Protection Plan

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

  • Additional SI
  • Enhanced Protection
  • Tax Benefits

Extra- Protect Policy (Pros)

  • Enhanced Room Rent
  • Non-Medical Items Covered
  • Affordable Premiums
  • Baby Food Cover
  • Ambulance Cover

Extra- Protect Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

  • Modern Treatment Cover
  • Oral Chemotherapy
  • Robotic surgeries
  • AYUSH Treatment
  • Home Care Treatment

Star Smart Health Pro Plan: FAQ's

1. What is the entry age for the Star Smart Health Pro Plan?

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.

2. What are the sum insured variants for the Star Smart Health Pro Plan?

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

3. How many family members can I cover under the Star Smart Health Pro policy?

You can cover up to 2 adults and 3 dependent children under the Star Smart Health Pro plan.

4. What are the optional covers available for policyholders when purchasing 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

5. Can I reduce the waiting period for pre-existing diseases with the Star Smart Health Pro Plan?

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.

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Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Customer Review Image

Jayant Parashar

Bhopal

February 16, 2024

I was in search of the best available health insurance for me and my family, and then I came to know PolicyX could help me with this. And exactly what I& 039;d heard about them, they did an ama...

Customer Review Image

Sheen Amara

Vishakapatnam

February 16, 2024

I had lots of questions when I called at PolicyX.com. They proved that continuous guidance is vital for buying health insurance. Now I’m 100% sure I have picked the best Star Health plan ...

Customer Review Image

Rutuja Banerjee

Vadodara

February 16, 2024

I must praise the female executive of PolicyX.com. She has helped me with finalising the best health insurance with Star Women Care plan. She is very soft-spoken and considers the customer&rsqu...

Customer Review Image

Himanshi Kapoor

Raipur

February 16, 2024

PolicyX insurance experts helped me pick the best health insurance company and plan for my family including my parents and spouse with Star Comprehensive health plan.

Customer Review Image

Chaitanya Sharma

Nagpur

February 16, 2024

I’ve been running my Star health policy which I purchased through PolicyX two years back. And believe me, I’m so amazed by the coordination of their team.

Customer Review Image

Divya Dhomne

Lukhnow

February 16, 2024

I wanted a health insurance plan that covers me for maternity and with the help of PolicyX insurance experts I found Star Women Care Insurance which offers me everything I need and more.

Customer Review Image

Jahanvi Saxena

Kanpur

February 16, 2024

Thank you so much PolicyX, for helping me claim my Star health insurance policy for my hospitalisation. It was a great help.

Customer Review Image

Vikrant Rona

Indore

February 16, 2024

My father had to undergo a minor surgery, which is covered under Star Health Insurance Policy. PolicyX, helped to get cashless claim settlement. I am glad to get his medical treatment done, wit...

View All Star Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.