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

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 Star Network Hospital

Choose Star Health Insurance Plan for

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 L	25 L	50 L	75 L	1 Cr
Premium (In Rs.)	5,634	10,398	11,836	13,621	14,609

2 Child 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

3 Child 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

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 Star Health Insurance

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

Star Comprehensive Plan

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

Star Family Health Optima Policy

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

Star Young Star Policy

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

Protection Plan

Young Star Extra Protect

This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.

Unique Features

Modern care optimization
Base plan enhancement
AYUSH treatment extender

Young Star Extra Protect (Pros)

Modern treatment coverage
Room rent limit extension
Base policy’s sum insured enhancement
Features similar to the base policy
Home care treatment

Young Star Extra Protect (Cons)

No maternity cover
Limited to SI of base policy
Organ donor expenses not covered
Vaccination not covered
COVID-19 care not covered

Young Star Extra Protect (Other Benefits)

Individual & family floater plan
Trusted insurance provider
Unlimited benefits up to SI
Cashless claim settlement
AYUSH Treatment cover

Young Star Extra Protect (Eligibility Criteria)

Minor entry age - 91 days - 25 years
Adult entry age - 18 - 40 year
SI - Base policy above INR 10 Lakhs
Waiting Period - As per the base policy

Standard

Star Arogya Sanjeevani Policy

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

Star Medi Classic Policy (Individual)

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

Star Health Gain Policy

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

Star Health Premier Policy

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

Star Women Care Plan

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

Star Health Senior Citizens Red Carpet Policy

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

Star Super Surplus Policy

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

Star Criticare Plus Policy

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

Star Hospital Cash Policy

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 Policy

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

Star Cancer Care Gold (Pilot Product)

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 Policy

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

Micro Rural and Farmers Care

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

Star Out Patient Care

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

Star Accident Care Policy

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 Insurance Policy

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

Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy

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

Star Health Assure Insurance Policy

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

Star Health Diabetes Safe Insurance Policy

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

Star Cancer Care Platinum Insurance Policy

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

Star Critical Illness Multipay Insurance Policy

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 Insurance Policy

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.

Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

Ashima

Amritsar

April 8, 2024

I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...

Shikha Bajaj

Gurgaon

April 8, 2024

I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience

Kanupriya

Rajkot

April 8, 2024

I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.

Neha Sukheja

Indore

April 8, 2024

I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.

Vaidehi Kanaujia

Indore

April 8, 2024

I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.

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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.

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Star Smart Health Pro Plan

Star Smart Health Pro Eligibility Criteria

Entry Age

Adult Entry Age

Plan Type

Sum Insured

Policy Term

Initial Waiting Period*

Star Smart Health Pro Benefits

Health Cover For Everyone

Avail Multiple Discounts

Value Added Services

Tax Benefits

Sum Insured Options

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In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Star Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

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Star Smart Health Pro Plan Premium Table

1 Adult

2 Child Premium Chart for First Child

3 Child Premium Chart for Third Child

Star Smart Health Pro Plan Exclusions

Permanent Exclusions

Coverage after Waiting Period

Conclusion

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Star Comprehensive Plan (Pros)

Star Comprehensive Plan (Cons)

Star Comprehensive Plan (Other Benefits)

Star Comprehensive Plan (Eligibility Criteria)

Family Health Optima Policy (Pros)

Family Health Optima Policy (Cons)

Family Health Optima Policy (Other Benefits)

Family Health Optima Policy (Eligibility Criteria)

Star Young Star Policy (Pros)

Star Young Star Policy (Cons)

Star Young Star Policy (Other Benefits)

Star Young Star Policy (Eligibility Criteria)

Young Star Extra Protect (Pros)

Young Star Extra Protect (Cons)

Young Star Extra Protect (Other Benefits)

Young Star Extra Protect (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

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Arogya Sanjeevani Policy (Eligibility Criteria)

Medi Classic Policy (Individual) (Pros)

Medi Classic Policy (Individual) (Cons)

Medi Classic Policy (Individual) (Other Benefits)

Medi Classic Policy (Individual) (Eligibility Criteria)

Star Health Gain Policy (Pros)

Star Health Gain Policy (Cons)

Star Health Gain Policy (Other Benefits)

Star Health Gain Policy (Eligibility Criteria)

Star Health Premier Policy (Pros)

Star Health Premier Policy (Cons)

Star Health Premier Policy (Other Benefits)

Star Health Premier Policy (Eligibility Criteria)

Star Women Care Plan(Pros)

Star Women Care Plan (Cons)

Star Women Care Plan (Other Benefits)

Star Women Care Plan (Eligibility Criteria)