Star Smart Health Pro Plan

(181 Reviews)
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      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.

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      Star Smart Health Pro Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 5 lakh to Rs 1 crore
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 14000+
      Incurred Claim Ratio (2021-22) 87.06%
      Pre-Policy Medical Check-ups Not required
      Pre-existing Disease Waiting Period 4 years
      Specific Disease Waiting Period 2 years
      Initial Waiting Period 30 days
      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

      Benefits of Star Smart Health Pro Plan

      Take a look at the key benefits of buying a Star Smart Health Pro plan:

      • Annual Health Check-ups

        Policyholders can avail preventive health check-up facilities every year with this plan, irrespective of raising a claim in the previous year.

      • Automatic Restoration of Sum Insured

        The Star Smart Health Pro plan automatically restores the policy sum insured for up to 100% once a year in case it gets partially or fully exhausted. Unlimited restoration of the sum insured is also available but on payment of an additional premium.

      • Wellness Discount on Premium

        Star Health & Allied Insurance offers a wellness discount of up to 20% on renewal premiums to policyholders leading a healthy lifestyle. They just need to earn more than 750 wellness points by performing wellness activities, such as achieving the step count target, taking membership of a gym/health club, participating in marathons/cyclothons, undertaking health risk assessments, etc.

      • No Co-Payment

        This Star health insurance policy does not come with any co-payment payable by policyholders at any age during claim settlement.

      • Cumulative Bonus

        Under this plan, a cumulative bonus of 50% for up to 100% is granted to the policyholder after every claim-free year.

      • Value Added Services

        The insurance company also offers a few value-added services as part of the Star Smart Health Pro plan, including Star telehealth services, medical concierge services, discounts from network providers, digital health vaults, post-operative care and wellness content.

      • Online Purchase Only

        This Star health insurance plan can only be purchased online. As a result, there will be no insurance agents involved, and customers will be able to avail a flat 10% discount on premiums.

      • Tax Benefits

        Policyholders can also earn tax deductions on the premiums paid to buy a Star Smart Health Pro policy as per Section 80D of the Income Tax Act.

      Star Smart Health Pro Plan Eligibility Criteria

      Check out the eligibility criteria given below to buy a Star Smart Health Pro plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – 50 years
      Child – 25 years
      Coverage Type Individual/ Family floater
      Maximum No. of Family Members Covered 5
      Family Relationships Covered Self, spouse, dependent children, live-in partner and same-sex partner
      Renewability Lifelong

      Inclusions of Star Smart Health Pro Plan

      The following coverage are included in a Star Smart Health Pro plan:

      • In-patient Hospitalization - It covers the medical costs incurred on hospitalization of at least 24 hours.
      • Day Care Procedures – It pays for all day care procedures that do not require a hospitalization of 24 hours.
      • Road Ambulance – It covers the cost of availing road ambulance services for transporting the insured to the hospital or from the hospital.
      • Air Ambulance – It pays for the cost of air ambulance services availed by the insured during a medical emergency.
      • Pre-hospitalization Expenses – It covers the medical expenses incurred for up to 60 days before getting hospitalized.
      • Post-hospitalization Expenses – It pays for the medical expenses incurred for up to 180 days after getting discharged from the hospital.
      • Domiciliary Hospitalization – It covers the cost of availing medical treatment at home on the doctor’s recommendation in case hospital admission is not possible. However, this cover will activate after 3 consecutive days of home hospitalization.
      • Home Care Treatment – It pays for medical expenses incurred on availing medical treatment at home that would otherwise require hospitalization.
      • Newborn Baby Expenses – It covers the medical costs incurred on the treatment of a newborn baby from day 1. However, this cover is available only if the mother has been insured in the same policy for over 12 months.
      • AYUSH Treatment – It pays for the in-patient treatment availed under Ayurveda, Siddha, Unani and Homeopathy systems of medicines.
      • Modern Treatment – It covers the cost of 11 modern treatments availed by the insured, including oral chemotherapy, stem cell therapy and robotic surgeries.

      Optional Covers:

      • Cumulative Bonus Booster – It 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 Category – It enables policyholders to modify the room category from a single private AC room to any room or shared accommodation.
      • Reduction of Pre-Existing Waiting Period – It reduces the pre-existing disease (PED) waiting period from 4 years to 3 years, 2 years or 1 year.
      • Coverage for Non-Medical Items – It 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 Insured – It automatically restores the sum insured of the policy for up to 100% unlimited times a year in case of partial or complete exhaustion.

      Exclusions of Star Smart Health Pro Plan

      The Star Smart Health Pro plan excludes the following medical expenses:

      • Obesity or weight control treatment
      • Treatment for alcohol or substance addiction
      • Sterility and infertility treatments
      • Treatment for injuries due to hazardous or adventure sports
      • Cosmetic or plastic surgery
      • Intentional self-injury


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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