About Star Smart Health Pro Plan
Star Smart Health Pro is a pro-customer policy that provides comprehensive medical coverage to individuals and families at an affordable price. It covers the cost of hospitalization, home care treatment, air ambulance, newborn baby treatments, etc., with no co-payment. The plan also comes with attractive benefits, such as wellness discounts, annual health check-ups, automatic restoration of the sum insured, value-added benefits, etc.
Star Smart Health Pro Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to 1 crore |
| Pre-Policy Medical Check-ups | Not required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discounts | Up to 20% wellness discount 20% floater discount Up to 12.5% long-term discount 10% online discount 7.5% reduction of room category discount 5% upfront discount |
or select from popular citiessSmart Health Pro Features
Search Smart Health Pro Cashless Network Hospital list
Key Benefits of Star Smart Health Pro Plan
Star Smart Health Pro Plan Inclusions, Exclusions & Optional Cover
-
In-patient HospitalizationIt covers the medical costs incurred on hospitalization of at least 24 hours.
-
Day Care ProceduresIt pays for all day care procedures that do not require a hospitalization of 24 hours.
-
Road AmbulanceIt covers the cost of availing road ambulance services for transporting the insured to the hospital or from the hospital.
-
Air AmbulanceIt pays for the cost of air ambulance services availed by the insured during a medical emergency.
-
Pre-hospitalization ExpensesIt covers the medical expenses incurred for up to 60 days before getting hospitalized.
-
Post-hospitalization ExpensesIt pays for the medical expenses incurred for up to 180 days after getting discharged from the hospital.
-
Obesity or Weight Control TreatmentIt excludes weight management or fat loss surgeries if not advised by the doctor.
-
Alcohol or Substance Addiction TreatmentIt does not cover treatments to cure addiction of alcohol, drugs or other substances.
-
Sterility and Infertility TreatmentIt does not pay for assisted reproductive treatments (IVF, GIFT, etc.) along with surrogacy and sterilization.
-
Treatment for Injuries due to Adventure SportsIt does not cover treatment for injuries from adventure or hazardous sports like horse racing, mountaineering, sky diving, etc.
-
Cosmetic or Plastic SurgeryIt excludes expenses for plastic surgeries or cosmetic treatments unless medically necessary.
-
Intentional Self-injuryIt does not pay for treatments needed for injuries arising from attempted suicide or self-harm.
-
Cumulative Bonus BoosterIt upgrades the maximum limit on cumulative bonus, enabling policyholders to earn a 50% bonus for every claim-free year for up to 600%.
-
Modification of Room CategoryIt enables policyholders to modify the room category from a single private AC room to any room or shared accommodation.
-
Reduction of Pre-Existing Waiting PeriodIt reduces the pre-existing disease (PED) waiting period from 4 years to 3 years, 2 years or 1 year.
-
Coverage for Non-Medical ItemsIt covers the medical expenses incurred on non-medical items, such as masks, syringes, cotton, gloves, etc., at the time of hospitalization.
-
Unlimited Automatic Restoration of Sum InsuredIt automatically restores the sum insured of the policy for up to 100% unlimited times a year in case of partial or complete exhaustion.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Explore Other Health Insurance Plans
Star Smart Health Pro Plan: FAQs
-
Q. How many day care procedures does Star Smart Health Pro cover?
Ans: All day care procedures and treatments are covered by the Star Smart Health Pro plan. -
Q. Can I add my newborn baby to Star Smart Health Pro before renewal?
Ans: Yes. You can add your newborn baby to your Star Smart Health Pro policy until the baby turns 46 days old. -
Q. Can I upgrade to any room category under my Star Smart Health Pro plan?
Ans: Yes. You can upgrade the hospital room category in your Star Smart Health Pro policy to any room with the ‘modification of room category' optional cover, provided your sum insured is Rs 10 lakh or more.
-
Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
