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Smart Health Pro

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Plan Essentials


Unique Policy

A uniquely designed indemnity health insurance policy that indemnifies the expenses incurred on hospitalisation due to illness or accidents.

Customisation Option

This uniquely crafted policy offers five different optional covers which entitles the insured to customise the policy as per their choice.

Upfront Discount

A 5% discount on premium is available at the first time purchase of the policy if questions related to the lifestyle and habits are answered.

Annual Health Check-Up

Expenses incurred towards Health check-ups are covered up to the specified limits for each policy year irrespective of the claim.

Pre-Policy Medical Check-up

No Pre-Policy Medical Check-up is required to avail this policy. However, based on declared medical history, the company may require applicants to undergo medical check-ups and 100% cost of such medical examination is borne by the company.

Star Wellness Program

Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness points can be utilised for availing discounts upto maximum of 20% of renewal premium.

Understand what’s included


Individual Entry Age

Any person aged between 18 and 50 years can avail this policy.

Floater Entry Age

Any person aged between 18 and 50 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.


Policy Type

This policy can be availed either on an Individual or Floater basis.

Policy Term

This policy can be availed for a term of one, two or three years.

Sum Insured

The 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/- .

Long-Term Discount

A discount on premium is available if the policy term opted is more than one year.

Family Size

Under 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.


In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.


In 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-hospitalisation medical expenses incurred up to 180 days from the date of discharge from the hospital are covered.

Room Rent

Room (Private Single A/c Room), boarding and nursing expenses as provided by the hospital are covered.

Road Ambulance

This 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 Ambulance

Air 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 Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Domiciliary Hospitalisation

Expenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered.

Home Care Treatment

Insured 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 Inclusion

The 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 Baby

Treatment 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 Treatment

Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered.

Modern Treatment

Expenses 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 Insured

On 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 Bonus

Cumulative 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 Services

This 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.


Cumulative Bonus Booster

This 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 Category

This 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 Period

Through this optional cover, the insured person can reduce the pre-existing diseases waiting period from 48 months to 36/24/12 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 Insured

On 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.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.

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.

Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Talk to Star
Dial 7676 905 905 to avail free consultations with our expert doctors via phone, chat or video call.
COVID-19 Helpline
Get free COVID-19 consultation with our health experts between 8 AM and 10 PM. Give a call to 7676 905 905.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep.
Order medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.

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