Star Smart Health Pro Plan: Comprehensive Health Coverage

50+ Lakhs
Happy
Customers

Save Tax
Upto ₹75k
Under 80D*

4.4/5⭐
Customer
Rating

Health Insurance

Star Smart Health Pro Plan

The Star Smart Health Pro Plan is a comprehensive healthcare insurance policy designed to protect you and your loved ones from unforeseen medical expenses. Whether you want to purchase or learn more about the Star Smart Health Pro Plan benefits, the Star Smart Health Pro Plan brochure offers all the necessary information. Trust in the expertise of Star Health Insurance and secure your health with the Star Smart Health Pro Plan.

Key Highlights of Star Smart Health Pro Plan

The Star Smart Health Pro Plan is a comprehensive health insurance policy that is designed to protect you and your family from the financial burden of medical emergencies. With a variety of features to choose from, this policy can be customised to suit your specific needs.

Policy Type: The Star Smart Health Pro Plan can be availed either on a floater for the family or on an individual basis. This means that you can choose to insure either yourself or your entire family under a single policy.

Policy Term: The policy term for the Star Smart Health Pro Plan can be availed for a term of 1-3 years. This allows you to choose a policy term that is best suited to your needs.

Sum Insured: There are various Sum Insured options under this policy ranging from Rs.5,00,000/- to Rs.1,00,00,000/-. This means you have the freedom to choose a Sum Insured that is appropriate for your healthcare needs.

Long Term Discount: When you buy Star Smart Health Pro Plan you can get a discount on the premium if the policy term exceeds one year. This helps you save money in the long run.

Family Size: Under the Floater Sum Insured, the following people can be added:

Self
Live-in Partner
Spouse
Same-Sex Partner
Dependent Children

The maximum family size that can be covered is 2 Adults and 3 Children as a family floater. This ensures that your entire family is protected under a single policy.

With various customisable options, this policy can be tailored to suit your specific healthcare needs.

Features of Star Smart Health Pro Plan

From customisable options to a comprehensive wellness program, the Star Smart Health Pro Plan offers various features to ensure that you are financially and physically protected during medical emergencies. Here they are.

Unique Policy: The Star Smart Health Pro Plan sets itself apart from other health insurance policies through its distinctive structure and attributes. It is an indemnity insurance package that provides coverage for medical expenses resulting from hospitalisation caused by illness or accidents. This extensive coverage guarantees financial security during unforeseen medical crises.

Customisation Option: The Star Smart Health Pro Plan offers a unique feature that allows you to personalise your policy based on your preferences. With five optional covers available, you have the freedom to customise the plan to meet your specific needs. This adaptability guarantees that you receive the utmost advantage from your insurance coverage, making it a standout feature of the plan.

Upfront Discount: The Star Smart Health Pro Plan provides a 5% discount on the first premium payment as a reward for those who are responsible and health-conscious. Answering questions regarding lifestyle and habits can allow the discount to be obtained, which is intended to encourage the maintenance of a healthy way of living and the adoption of proactive measures towards one's well-being. It is a way to motivate individuals to safeguard their physical health.

Annual Health Check-Up: The Star Smart Health Pro Plan recognises the significance of placing your health as a priority. When you enroll in this plan, it offers coverage for costs linked to yearly health check-ups, up to predefined limits for each year the policy is in force. By taking advantage of the benefits offered by the Star Smart Health Pro Plan, you can actively and confidently monitor your health without worrying about extra expenses. Its objective is to promote your well-being by eliminating financial obstacles to regular health check-ups.

Pre-Policy Medical Check-up: The Star Smart Health Pro Plan offers a convenient feature that sets it apart from many other health insurance policies. It does not typically require a pre-policy medical check-up. However, depending on the medical history of the applicants that they have declared, the insurer may request them to undergo medical examinations. The remarkable aspect is that the cost of these medical tests is fully covered by the company, ensuring a hassle-free and convenient application process. This provision adds to the ease and convenience of obtaining the Star Smart Health Pro Plan.

Star Wellness Program

The Star Smart Health Pro Plan not only provides insurance coverage but also offers an extensive wellness program. This program is designed to inspire and promote a healthy lifestyle among policyholders through a range of wellness activities. Moreover, individuals can earn wellness points, which can be used to avail discounts of up to 20% on the renewal premium. This exceptional feature encourages holistic well-being and provides incentives for maintaining a healthy lifestyle. With the flexibility to customise the policy according to your specific requirements and the inclusion of a wellness program, this plan truly goes the extra mile to protect your health and well-being.

Benefits of the Star Smart Health Pro Plan

Listed below are the Star Smart Health Pro Plan benefits.

Post-hospitalisation Expenses: The plan also covers the expenses that are sustained up to 180 days after discharge, offering continued support during the recovery process.

Road Ambulance Service: Charges for an ambulance for hospital admission, inter-hospital transfers, and transportation to the insured's residence within the same city are covered, ensuring timely and safe transportation.

Pre-hospitalisation Expenses: In addition to covering in-patient hospitalisation, this plan also includes medical expenses accrued up to 60 days before admission, ensuring comprehensive coverage.

Air Ambulance Coverage: This plan provides coverage for immediate hospitalisation requiring air ambulance services. This has coverage for up to 10% of the Sum Insured in one policy year, providing crucial support in emergency situations.

Room and Board: The Star Smart Health Pro Policy covers expenses for a private single A/C room, boarding, and nursing services, ensuring a comfortable and stress-free hospital stay.

Day Care Procedures: Advanced surgical procedures and medical treatments that need less than 24 hours of hospitalisation are covered, utilising the latest technological advancements in healthcare.

Hospitalisation Coverage: This plan provides coverage for hospitalisation expenses lasting more than 24 hours, whether due to illness, injury, or accident.

Domiciliary hospitalisation: Any expense that is done by the insured for domiciliary hospitalisation, including AYUSH treatments recommended by a doctor, is covered for a duration of more than three days.

Home Care Treatment: This plan includes coverage for treatment that is done at home for stated conditions, up to 10% of the Sum Insured with a maximum limit of Rs. 5 Lakh per policy year, offering flexibility and convenience in healthcare delivery.

Coverage for Newborn Baby Treatment: The plan covers hospitalisation expenses for the treatment of newborn babies from the day of birth. This has a limit of 10% of the Sum Insured and has a maximum limit of Rs. 2 lakhs. However, this coverage does not apply to treatment related to internal congenital diseases or defects.

Coverage for Modern Treatments: The Star Smart Health Pro Policy also includes coverage for expenses incurred for the latest treatments such as Intra Vitreal injections, Deep Brain Stimulation, Robotic Surgeries, and more, up to the Sum Insured, ensuring access to advanced medical procedures.

Automatic Restoration of Sum Insured: If partial or complete utilisation of the Sum Insured occurs during the policy period, the plan automatically restores 100% of the Sum Insured once during the policy year. This ensures ongoing coverage and utilisation for all future claims.

Holistic Healthcare: Expenses incurred for treatment under Ayurveda, Unani, Siddha, and Homeopathy systems of medicines in AYUSH hospitals are covered, providing a comprehensive and holistic approach to healthcare.

Cumulative Bonus: Policyholders are rewarded for maintaining good health with a cumulative bonus of 50% of the Sum Insured for each claim-free year, with a maximum accumulation of 100% of the Sum Insured.

Enhanced Healthcare Services: The policy provides various add-on services that are of great value. These include Medical Concierge Services, Star Telehealth Services, Digital Health Vault, Post-Operative Care, Wellness Content, and Discounts from Network Providers, enhancing the overall healthcare experience.

Extended Family Coverage: By paying a proportionate premium, the Star Smart Health Pro plan allows for the addition of the newly married partner, newborn, and/or an adopted child, ensuring extended coverage for the entire family.

The Star Smart Health Pro Plan provides a wide range of benefits and features to guarantee the health and financial stability of individuals and their families. If you need more details, you can consult the Star Smart Health Pro Plan brochure of the Star Smart Health Pro Plan or consider purchasing the plan from Star Health Insurance.

Diseases Covered Under Star Smart Health Pro Plan

The below features ensure comprehensive coverage for various medical expenses and provide financial protection during times of healthcare needs.

In-patient Treatment: The policy covers hospitalisation expenses for a period exceeding 24 hours. This includes room charges, nursing fees, doctor fees, and other medical expenses incurred during the hospital stay.

All Day Care Procedures: The policy covers all day care procedures, which are medical procedures that require hospitalisation for less than 24 hours. This ensures coverage for technologically advanced treatments that do not require prolonged hospital stays.

Road Ambulance: Coverage extends to private ambulance services for transporting the insured to the hospital and for transferring between hospitals for enhanced medical care.

Air Ambulance: The policy covers expenses incurred towards the cost of air ambulance service up to 10% of the sum insured per policy year, ensuring quick and efficient transfer to a medical facility via air in case of a medical emergency.

Pre-hospitalisation: Medical expenses accrued up to 60 days prior to hospitalisation are covered in the Star Smart Health Pro Policy. This includes costs related to consultations, diagnostic tests, and medications required before hospital admission.

Post-hospitalisation: Medical expenses accrued up to 180 days after release from the hospital are covered. This includes follow-up consultations, medications, and any necessary medical procedures or treatments prescribed by the doctor.

Domiciliary hospitalisation: Coverage is provided for medical treatment at home for a period exceeding three days when hospitalisation is not feasible. This ensures that you can receive quality medical care in the comfort of your own home.

Annual Health Checkup: The policy covers expenses incurred towards the cost of a health checkup up to the specified limits for the policy year, irrespective of any claims made.

Home Care Treatment: The policy provides coverage for treatment availed by the insured person at home, with a reimbursement of up to 10% of the sum insured, subject to a maximum of Rs.5 lakhs in a policy year.

Hospitalisation Expenses for Treatment of New Born Baby: Expenses for the hospitalisation and treatment of a newborn baby are covered, up to a maximum of 10% of the sum insured or Rs.2 lakhs, ensuring that your baby receives necessary medical care without any financial burden.

AYUSH Treatment: The Star Smart Health Pro Policy covers expenses for inpatient hospitalisation incurred on Ayurvedic treatments, Unani, Sidha, and Homeopathy systems of medicines in an AYUSH hospital, up to the sum insured. Coverage for Modern Treatment: The policy covers expenses for modern treatment techniques and procedures, ensuring access to advanced medical treatments as required.

In the Star Wellness Program (Optional Benefit), Section II (17), the insured person is eligible for a Cumulative Bonus Booster of 50% of the sum insured for each claim-free year, with a maximum accumulation of up to 600% of the sum insured. This provides enhanced Star Smart Health Pro Plan benefits and rewards for maintaining a claim-free record.

It is advisable to refer to the specific policy terms and conditions for a more detailed understanding of coverage limits and exclusions.

Diseases Not Covered Under Star Smart Health Pro Plan

In the Star Wellness Program, there are several exclusions outlined in Section IV of the policy:

Any hospital admission primarily for investigation and diagnostic purposes is not covered (Section IV, 4).

Pregnancy and infertility-related treatments are excluded from coverage (Section IV, 17, 18).

Treatment outside India is not covered under the policy (Section V, 22).

Circumcision, sex change surgery, cosmetic surgery, and plastic surgery are excluded (Sections IV, 7, 8, 19).

Correction of refractive errors, hearing impairment correction, and routine inoculations or vaccinations are not covered (Section IV, 15, 30, 29).

Substance abuse-related treatments and self-inflicted injuries are excluded (Section IV, 12, 22).

Coverage is not provided for hazardous sports, acts of war, terrorism, civil war, or any activity that breaches the law (Section IV, 9, 10, 23).

Any hospitalisation that is not medically necessary or does not warrant hospitalisation is excluded (Section IV, 31).

For a comprehensive list, it is recommended to refer to the policy clauses.</li>

Compare, Buy and Renew Cashless Health Insurance Plans Online

Add-ons to Cover Your Specific Needs

The Star Wellness Program offers several additional benefits to enhance your coverage:

Cumulative Bonus Booster: With each claim-free year, you receive a bonus calculated at 50% of the Sum Insured, up to a maximum of 600%. This can increase your coverage up to 7 times the Sum Insured. (Available for Sum Insured ₹10,00,000 and above).

Modification of Room Category: You have the flexibility to choose your room category at the start of the policy, ranging from Private Single A/C Room to any Room/Shared Accommodation.

Reduction of Pre-existing Diseases Waiting Period: The waiting period for pre-existing diseases can be reduced from 48 months to 36/24/12 months.

Coverage for Non-Medical Items (Consumables): Non-medical items listed in List-I will be covered under the policy for in-patient hospitalisation/daycare treatment. For the complete list, please refer to the Star Health website.

Unlimited Automatic Restoration of Sum Insured: The Sum Insured will be automatically restored unlimited times, up to 100% each time, which can be used for subsequent hospitalisations.

These additional benefits aim to provide you with comprehensive coverage and flexibility to cater to your specific needs.

Star Smart Health Pro Plan Eligibility Criteria

The Star Smart Health Pro Plan has specific eligibility criteria to determine who can avail of this policy.

Individual Entry Age

Anyone between the ages of 18 to 50 years can avail of this policy.

Floater Entry Age

Anyone between the ages of 18 to 50 years can avail of this policy. Dependent coverage under the Star Smart Health Pro Plan, dependent children are usually provided coverage from the 91st day of their birth till 25 years.

Please note that these eligibility criteria provide a general understanding and may be subject to change. It is advisable to contact Star Health Insurance or refer to their official documentation for the most accurate and up-to-date information.

Frequently Asked Questions

Q. What is the Star Smart Pro policy?
- The Star Smart Health Pro Plan is a comprehensive health insurance policy offered by Star Health Insurance, providing benefits and coverage for individuals aged between 18 and 50 years, including dependent children from the 91st day onwards up to 25 years of age.
Q. What is the minimum amount for Star Health Insurance?
- The minimum amount for Star Health Insurance may vary depending on the specific policy and coverage options selected. It is recommended to contact Star Health Insurance directly or visit their official website for detailed information regarding the minimum amount of coverage available.
Q. Which Treatment is not covered under this policy?
- While the Star Smart Health Pro Policy provides comprehensive coverage for a wide range of medical treatments, it is important to review the policy documents and Star Smart Health Pro Plan brochure or contact Star Health Insurance directly to determine any specific exclusions or treatments that may not be covered under this plan.
Q. How Many Day Care Procedures Under Star Smart Health Pro?
- Star Smart Health Pro policy provides coverage for advanced daycare procedures that don't require prolonged hospital stays.
Q. What are examples of daycare procedures?
- Some examples of daycare procedures include cataract surgery, dental procedures, endoscopy, arthroscopy, chemotherapy, radiation therapy, dialysis, and minor surgical procedures such as hernia repair, tonsillectomy, and appendectomy.
Q. How many days do you have to claim on Star Smart Health Pro?
- According to the guidelines of Star Health Insurance, you have a window of 15 days starting from the day you were discharged from the hospital to make a reimbursement claim for any expenses you incurred during your stay. It is important to get in touch with Star Health Insurance within 24 hours of your admission and provide them with the necessary information, including your Star Health ID card number, details about the nature of your illness, information about the hospital you were admitted to, and your room number.

Customer Reviews

Average Customer Rating:

Star Smart Health Pro Plan: Comprehensive Health Coverage

1 / 5 ( 1 reviews )