Smart Health Pro
IRDAI UIN: SHAHLIP23172V012223
HIGHLIGHTS
Plan Essentials
Unique Policy
Customisation Option
Upfront Discount
Annual Health Check-Up
Pre-Policy Medical Check-up
Star Wellness Program
DETAILED LIST
Understand what’s included
ELIGIBILITY
Individual Entry AgeAny person aged between 18 and 50 years can avail this policy. |
Floater Entry AgeAny person aged between 18 and 50 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years. |
IMPORTANT HIGHLIGHTS
Policy TypeThis policy can be availed either on an Individual or Floater basis. |
Policy TermThis policy can be availed for a term of one, two or three years. |
Sum InsuredThe Sum Insured options under this policy are Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, Rs75,00,000/-, and Rs.1,00,00,000/- .
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Long-Term DiscountA discount on premium is available if the policy term opted is more than one year. |
Family SizeUnder floater Sum Insured you can add Self + Spouse/ Live-in Partner/ Same Sex Partner + Dependent Children. The policy covers maximum family size of 2 Adults + 3 Children under floater Sum Insured basis. |
POLICY BENEFITS
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses incurred up to 180 days from the date of discharge from the hospital are covered. |
Room RentRoom (Private Single A/c Room), boarding and nursing expenses as provided by the hospital are covered. |
Road AmbulanceThis policy covers ambulance charges for admission to a hospital, for shifting from one hospital to another hospital and from the hospital to the insured’s residence (if it is in the same city). |
Air AmbulanceAir ambulance expenses are covered up to 10% of the Sum Insured per policy year, provided the situation requires an immediate hospitalisation of the insured person. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Domiciliary HospitalisationExpenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered. |
Home Care TreatmentInsured person’s expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5 Lakh in a policy year. |
Mid-Term InclusionThe newly married spouse, newborn baby and/or legally adopted child can be included in the policy by paying a proportionate premium. |
Hospitalisation expenses for treatment of New Born BabyTreatment expenses of newborn are payable from Day 1 of birth and subject to a limit of 10% of the Sum Insured and maximum of up to Rs. 2 lakhs. This will not apply for treatment related to congenital internal disease / defects. |
AYUSH TreatmentExpenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered. |
Modern TreatmentExpenses incurred for modern treatments such as Deep Brain Stimulation, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the Sum Insured. |
Automatic Restoration of Sum InsuredOn partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored once during the policy year and it can be utilised for all the claims. |
Cumulative BonusCumulative bonus is provided at 50% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured. |
Value Added ServicesThis policy offers value added services including Star Tele-health Services, Medical Concierge Services, Digital Health Vault, Wellness Content, Post Operative Care, Discounts from Network Providers. |
OPTIONAL COVERS (AVAILABLE ON PAYMENT OF ADDITIONAL PREMIUM)
Cumulative Bonus BoosterThis optional cover entitles the insured person to avail additional cumulative bonus calculated at 50% of the Sum Insured for each claim-free year subject to a maximum of 600% of the Sum Insured. This is applicable if the opted Sum Insured is Rs. 10 Lakh and above. |
Modification of Room CategoryThis cover entitles the insured person to enhance/reduce the room category from Private Single A/c Room to Any Room / Shared Accommodation. |
Reduction of Pre-Existing Diseases Waiting PeriodThrough this optional cover, the insured person can reduce the pre-existing diseases waiting period from 36 months to 24/12 months. This is applicable only for the first purchase of this policy. |
Coverage for Non-Medical Items (Consumables)The coverage for non-medical items as specified in the List I of the policy schedule will be payable if the claim for in-patient / day care treatment is admissible under the policy. |
Unlimited Automatic Restoration of Sum InsuredOn partial or full utilisation of the Sum Insured, 100% of the Sum Insured will be automatically restored for unlimited number of times which can be utilised for a subsequent hospitalisation. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
‘Happily Insured!’ with Star Health
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
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Thiruvananthapuram
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Bengaluru
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Chennai
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Mumbai
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Indore
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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Smart Health Pro
What is the Smart Health Pro ?
Smart Health Pro is a pro-customer and flexible policy that offers a vast range of sum insured options between Rs. 5 lakhs and Rs. 1 crore. It can be purchased on an individual and family floater basis and comes with five optional covers to opt from at a minimal additional premium.
The plan comes with attractive benefits such as automatic restoration of the sum insured, annual health check-ups, wellness discounts, value-added services, etc. Also, the Smart Health Pro is a new digital health insurance policy that covers hospitalisation costs, home care treatment, newborn baby treatments, air ambulance, and much more with no co-payment.
The minimum entry age to buy the Smart Health Pro is 18 years, and dependent children are covered from 91 days to 25 years.
Smart Health Pro Plan Eligibility
Each and every Smart health insurance plan will have a minimum eligibility. Here is the eligibility criteria to buy a 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 Number of Family Members Covered | 5 |
| Family Relationships Covered | Self, Spouse/ Live-in Partner/ Same Sex Partner and Dependent Children |
| Renewability | Lifelong |
What is a Smart Health Pro Plan? SHAHLIP23172V012223
A Smart Health Pro Plan refer to a comprehensive health insurance policy that provides extensive cover and a number of advantages to policyholders. It is made to offer policy holder and their families with the financial security and peace they need when they think of their healthcare needs.
Benefits of Getting a Star Smart Health Pro
Here are the key benefits of buying a Star Smart Health Pro:
- Under the family floater variant, the policyholder can cover up to 3 dependent children and two adults.
- The insured is subjected to long-term discounts, wellness and online purchase discounts, etc., for policy terms opted for more than one year.
- Value-added services such as medical concierge plans, digital health vault, post-operation care, and teleconsultations are offered under the Smart Health Pro .
- If you purchase the Smart Health Pro , you are eligible to avail of tax benefits under Section 80D of the Income Tax Act, 1961.
- The plan offers a wellness discount of up to 20% on renewal premiums to policyholders if they earn more than 750 wellness points.
- During claim settlement, the Smart Health Pro does not come with any co-payment.
- After every claim-free year, a cumulative bonus of 50% of sum insured to maximum of 100% is granted to the policyholder.
- Customers can avail of a discount of a flat 10% on premiums when they purchase the Smart Health Pro online.
Inclusions of Smart Health Pro
The following are included in the Smart Health Pro coverage:
- Medical costs incurred during hospitalisation of at least 24 hours
- Daycare procedures, road ambulance services, and air ambulance
- Domiciliary hospitalisation
- Home care treatments
- Newborn baby expenses & modern treatments
- AYUSH treatment
Optional covers include Cumulative Bonus Booster, Modification of Room Category, Reduction of Pre-Existing Waiting Period, Coverage for Non-Medical Items, and Unlimited Automatic Restoration of Sum Insured.
If you are looking for a plethora of benefits along with a high range of sum insured for you and your family to get covered, the Smart Health Pro is the ideal choice!
Smart Health Pro Plan Exclusions
Smart Health Pro Plan has many inclusions, but it also has some exclusions. Here are the exclusions of the Smart Health Pro Plan.
- Obesity or weight control treatment expenses are not covered under this plan.
- Sterility and infertility treatment costs are excluded from this plan.
- Expenses for the treatment of injuries caused by hazardous or adventure sports are excluded from this plan.
- The expenses for the cosmetic or plastic surgery are not included in this plan.
- Intentional self-injury expenses are not covered under this plan.
What are the additional benefits covered under the Star Health Smart Health Pro?
Star health insurance smart health pro has some additional benefits. Here are the Smart health pro star health extra benefits.
- Automatic Restoration of Sum Insured: An automatic restoration of Sum Insured will be there, once by 100% immediately upon partial/full utilization of the limit of coverage. This can be used for all claims for subsequent hospitalization.
- Cumulative Bonus: The insured person or the policyholder will be eligible for a Cumulative bonus calculated at 50% of the Sum Insured for every claim-free year and a maximum of up to 100% of the Sum Insured.
- Smart health Pro Star Health Insurance refers to a new digital health insurance plan that offers coverage to the hospitalization costs, home care treatment, newborn baby treatments, etc.
What does the Star Health Pro Policy do in general?
The Star Health Smart Health Pro policy offers coverage for the medical expenses for individuals and families, which include home care, hospitalization, and air ambulance. It also provides annual health check-ups, wellness discounts, and automatic restoration of the sum insured.
Here are the things that the Star Health Pro Policy covers :
- It offers coverage to the medical expenses for home care treatment up to 10% of the sum insured.
- It covers hospitalization costs for illnesses or accidents.
- The expenses for air ambulance for admission to hospital, transportation between hospitals, and transportation from hospital to home are covered under this plan.
- It covers medical expenses for newborn babies until 10% of the sum insured.
- It offers coverage for the health expenses for in-patient hospitalization under Ayurveda, Unani, Siddha, and Homeopathy systems of medicines.
- This also covers pre and post-hospitalization medical expenses incurred up to 60 days prior to the hospitalization and 180 days after discharge from the hospital.
This policy offers some optional coverages other than the primary inclusions.
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The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.