Smart Health Pro

Smart Health Pro refers to a pro-customer and flexible plan that provides a wide range of sum insured choices between Rs. 5 lakhs and Rs. 1 crore. This plan offers comprehensive medical coverage for individuals and families, which includes hospitalisation, air ambulance, home care, newborn baby treatment expenses, etc. Additionally, this plan provides other advantages, such as wellness discounts and annual health check-ups. Smart Health Pro is valuable because it offers comprehensive coverage, financial protection, peace of mind, and additional benefits.

The minimum entry age to purchase this Health Pro Policy is 18 years, and dependent children are offered coverage from 91 days to 25 years. If you are looking for more advantages besides a high range of sum insured for you and your family to get coverage, then the concerned sum insured is a better choice. This plan offers policyholders and their families the financial security and peace of mind they require when they think of their healthcare needs.

IRDAI UIN: SHAHLIP23172V012223

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HIGHLIGHTS

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.

Detailed List

Understand what’s included

ELIGIBILITY


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.

IMPORTANT HIGHLIGHTS


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.

POLICY BENEFITS


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

OPTIONAL COVERS (AVAILABLE ON PAYMENT OF ADDITIONAL PREMIUM)


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 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 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.

Brochure

Policy Clause

Prospectus

Star Wellness Program

This program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium during the renewal.

This Wellness Program is enabled and administered online through Star Health Mobile Applications.

Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 6) are applicable for the Insured person(s) aged 18 years and above only.

The following table shows the discount on premium available under the Wellness Program;

Wellness Points Earned	Discount in Premium
200 to 350	4%
351 to 600	10%
601 to 750	14%
751 and above	20%

*In case of floater policy the weightage is given as per the following table :

Family Size	Weightage
Self, Spouse**	1:1
Self, Spouse** and Dependent Children (up to 18 years)	1:1:0:0:0
Self, Spouse** and Dependent Children (aged above 18 years)	2:2:1:1:1
**Spouse/ Live-in Partner/ Same Sex Partner

Note: In case of two year and three year policies, total number of wellness points earned in the two year and three year period will be divided by two and three respectively.

Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation.

The wellness services and activities are categorized as below:

Sr. No.	Activity	Maximum number of Wellness Points that can be earned under each activity in a policy year
1.	Sign up points for Enrolling to Wellness Program	100
2.	Manage and Track Health
	a) Online Health Risk Assessment (HRA)	150
	b) Preventive Risk Assessment	200
3.	Affinity to Wellness
	a) Participating in Walkathon, Marathon, Cyclothon and similar activities	200
	b) Membership in a health club	200
4.	Stay Active – If the Insured member achieves the step count target on mobile app	250
5.	Sharing ‘Active Life Success Story’ through adoption of Star Wellness Program	50
6.	Condition Management Program (CMP): Weight Management, Diabetes Management, Hypertension, De-Stress & Mind Body Healing Program	150
7.	For Submission of Vaccination Certificate Eg: Vaccine for Covid, HPV, Pneumoccocal, Swine Flu (H1N1), Hepatitis etc.	20
8.	For Submission of Preventive Eye Check-up report	20
9.	For Submission of Preventive Dental Check-up report	20
10.	For Submission of Mammography & PAP Test (for Women) report	20
11.	For Submission of Prostate specific antigen (PSA) test report (for Male persons aged > 50 yrs)	20
12.	Glaucoma Screening (for persons aged > 50 yrs)	20

1. Sign-up points for Enrolling to Wellness Program: Insured person(s) can earn 100 reward points for enrolling in Star Wellness Program through Star Health Mobile application.

2. Manage and Track Health

a)Completion of Health Risk Assessment (HRA): The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year.

On Completion of online HRA questionnaire, the Insured earns 150 wellness points.

Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.

b)Preventive Risk Assessment: The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.

-On submission of the test reports, Insured earns 200 reward points.

Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.

List of mandatory tests under Preventive Risk Assessment
1. Complete Haemogram Test
2. Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c)
3. Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio)
4. Serum Creatinine

3.Affinity towards wellness: Insured earns wellness reward points for undertaking any of the fitness and health related activities as given below. List of Fitness Initiatives and Wellness points:

	Initiative	Wellness Points
a.	Participating in Walkathon, Marathon, Cyclothon and similar activities	200
a.	-On submission of BIB Number along with the details of the entry ticket taken to participate in the event and/or -On Achieving 20,000 Step count on Star Health Mobile Application	200
b.	Membership in a health club (50 points for each quarter) - In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes	200
Note: In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured person should submit the health club membership.

4.Stay Active: Insured earns wellness reward points on achieving the step count target on ‘Star Health Mobile application as mentioned below:

Criteria to get reward points
If the number of steps per day are minimum 8,000 or above for 16 days in a month, it will be considered as one active month and insured will get 20 reward points.
Note: Incase if Insured achieves 10 active months in a policy year, he/ she will get 50 additional points as bonus. First month and last month in each policy year will not be taken into consideration for calculation of average number of steps per day under Stay Active. The mobile app must be downloaded within 30 days of the policy risk start date to avail this benefit. The average step count completed by an Insured member would be tracked on ‘Star Mobile Application’.

Criteria to get reward points

If the number of steps per day are minimum 8,000 or above for 16 days in a month, it will be considered as one active month and insured will get 20 reward points.

Note:

Incase if Insured achieves 10 active months in a policy year, he/ she will get 50 additional points as bonus.
First month and last month in each policy year will not be taken into consideration for calculation of average number of steps per day under Stay Active.
The mobile app must be downloaded within 30 days of the policy risk start date to avail this benefit.
The average step count completed by an Insured member would be tracked on ‘Star Mobile Application’.

5. Condition Management Program

(i) Weight Management Program:

a)This Program will help the Insured persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.
-150 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.

Sr. No.	Name of the Ailment	Values to be submitted	Criteria to get the Wellness points
1.	Obesity (If BMI is above 29)	Height & Weight (to calculate BMI)	Achieving and maintaining the BMI between 18 and 29
2.	Overweight (If BMI is between 25 and 29)	Height & Weight (to calculate BMI)	Reducing BMI by two points and maintaining the same BMI in the policy year
- Values (for BMI) to be submitted for every 2 months (up to 5 times in each policy year)

The Insured is not Overweight / Obese, the Insured can submit his/her ‘Active Life Success Story’ through adoption of Star Wellness Activities with us. On submission of Active Life Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.

(ii)Chronic Condition Management Program:

a)This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.

-The Insured has to submit the test result values for every 3 months maximum up to 3 times in a policy year.
-If the test result values are within +/- 10% range of the values given below, for at least 2 times in a policy year, 150 wellness points will be awarded.
-These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up

Sr. No.	Name of the Ailment	Test to be submitted	Values Criteria to get the additional Wellness points
1.	Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value)	HbA1c	≤ 6.5
1.		Fasting Blood Sugar (FBS) Range and Postprandial test value	100 to 125 mg/dl below 160 mg/dl
2.	Hypertension	Measured with - BP apparatus	Systolic Range - 110 to 140 mmHg Diastolic Range - 70 to 90 mmHg
3.	Cardiovascular Disease	LDL Cholesterol and Total Cholesterol / HDL Cholesterol Ratio	100 to 159 mg/dl ≤ 4.0
4.	Asthma	PFT (Pulmonary Function Test)	FEV1 (PFC) is 75% or more FEV1/ FVC is 70% or more

b) In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.

- On completion of De-stress & Mind Body Healing Program 150 wellness points will be awarded.

Note: This is a 10 weeks program which insured needs to complete without any break.

6.Reward points for Preventive Care: Insured can earn wellness reward points for submitting the following health check-up reports once in a policy year which he/ she had during the policy year.

a. Submission of Vaccination Certificate/s: Insured can earn 20 wellness reward points by submitting the Vaccination certificate related to vaccine that he/she have had during the policy year. Eg: Vaccine for Covid, HPV, Swine Flu (H1N1), Hepatitis etc.

b. Submission of Preventive Eye Check-up report: Insured can earn 20 wellness reward points for submitting Eye Check-up report which includes near and far vision (visual equity) and Colour vision test.

c. Submission of Preventive Dental Check-up: Insured can earn 20 wellness reward points for submitting Dental Check-up report which includes screening of oral cavity done by a qualified Dentist.

d. Submission of Mammography & PAP Test report: Insured can earn 20 wellness reward points for submitting x-ray Mammogramgraphy or coloured doppler mammogram for preventive breast screening and PAP smear (biopsy) report.

e. Prostate specific antigen (PSA) test (applicable for Males aged > 50 yrs): Insured can earn 20 wellness reward points for submitting Prostate specific antigen blood report.

f. Glaucoma Screening (for persons aged > 50 yrs): Insured can earn 20 wellness reward points by submitting reports of Glucoma screening test of both eyes including tonometery. (slit lamp test), pachymeter test, visual field test, dilated eye test and gonioscopy examination.

Terms and conditions applicable for wellness services

Any information provided by the Insured in this regard shall be kept confidential.
There will not be any cash redemption against the wellness reward points.
Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.
For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.
All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured person’s discretion.
We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.
Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way of and / or on account of the Wellness Program.
Services offered are subject to guidelines issued by IRDAI from time to time.

ILLUSTRATION OF BENEFITS:

A 51 year old Individual Gopal and his wife Ramya along with their two dependent children (aged below 18 yrs) buy a Smart Health Pro with Sum Insured 10 Lacs, let’s understand how they can earn Wellness Points. Gopal has declared that he is suffering from Diabetes. Ramya has declared her BMI as 27. Gopal and Ramya enrolled under the Star wellness program and completed the following wellness activities.
Sr.No	Activity	Wellness Points Earned by Gopal	Wellness Points Earned by Ramya
1	Sign up points for Enrolling to Wellness Program	100	100
2	Manage and Track Health
	a) Online Health Risk Assessment (HRA)	150	150
	b) Preventive Risk Assessment	200	200
3	Affinity to Wellness
	c) Participating in Walkathon, Marathon, Cyclothon and similar activities	200	0
	d) Membership in a health club	100	150
4	Stay Active (Wellness points based on Step Count)	250	120
5	For Sharing ‘Active Life Success Story’	50	0
6	Condition Management Program (CMP)	150	150
7	Submission of Vaccination Certificate	20	20
8	For Submission of Preventive Eye Check-up report	20	0
9	For Submission of Preventive Dental Check-up report	0	20
10	For Submission of Mammography & PAP Test (for Women) report	0	20
11	For Submission of Prostate specific antigen (PSA) test report (for Male persons aged > 50 yrs)	20	0
12	Glaucoma Screening (for persons aged > 50 yrs)	20	0
	Total Number of Wellness Points earned	1280	930
	No of wellness points based upon weightage - 1:1:0:0	640 (1280X1/2)	465 (930X1/2)
Total Number of Wellness Points earned by Gopal and Ramya = 1105 (640+465) Based on the no of Wellness Points earned, Gopal & Ramya are eligible to get 20% discount on renewal premium

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.

Wellness Program

Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.

Diagnostic Centres

Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.

E-Pharmacy

Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.

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Smart Health Pro

What is the Smart Health Pro?

Smart Health Pro is a pro-customer, flexible policy that offers a wide range of sum insured options from Rs. 5 lakhs to 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, this is a new digital health insurance policy that covers hospitalisation costs, home care treatment, newborn care, air ambulance, and 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.

Note: ( If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )

Smart Health Pro Plan Eligibility

Every Smart health insurance plan will have a minimum eligibility requirement. 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 – 75 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 refers to a comprehensive health insurance policy that provides extensive coverage and a number of advantages to policyholders. It is made to offer policyholders and their families 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 subject to long-term discounts, wellness and online purchase discounts, etc., for policy terms of 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 this health pro plan, 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 concerned healthcare plan does not come with any co-payment.
After every claim-free year, a cumulative bonus of 50% of the sum insured to a maximum of 100% is granted to the policyholder.
Customers can avail of a discount of a flat 10% on premiums when they purchase the plan online.

In comparison to traditional fixed-benefit policies, Smart Health Pro works as an indemnity-based plan, reimbursing actual medical expenses incurred. For individuals and families seeking the best indemnity health insurance, it stands out by offering wide coverage, flexible sum insured options, and value-added services that ensure both financial protection and peace of mind.

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, this healthcare plan is the ideal choice!

Smart Health Pro Plan Exclusions

Despite of multiple inclusions, Smart Health Pro Plan holds some exclusions also, which are listed below:

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 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’s Smart Health Pro has some additional benefits. Let’s discuss it briefly:

Automatic Restoration of Sum Insured:An automatic restoration of sum insured will be there, once by 100% immediately upon partial/full utilisation of the limit of coverage. This can be used for all claims for subsequent hospitalisation.
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 ProStar Health Insurance refers to a new digital health insurance plan that offers coverage for the hospitalisation costs, home care treatment, newborn baby treatments, etc.

What does the Star Health Pro Policy do in general?

The Smart Health Pro policy offers coverage for the medical expenses for individuals and families, which include home care, hospitalisation, and air ambulance. It also provides annual health check-ups, wellness discounts, and automatic restoration of the sum insured.

Here are the things the concerned policy covers :

It offers coverage for medical expenses for home care treatment up to 10% of the sum insured.
It covers hospitalisation costs for illnesses or accidents.
The expenses for air ambulance for admission to the hospital, transportation between hospitals, and transportation from the hospital to home are covered under this plan.
It covers medical expenses for newborn babies up to 10% of the sum insured.
It offers coverage for the health expenses for inpatient hospitalisation under Ayurveda, Unani, Siddha, and Homoeopathy systems of medicine.
This also covers pre- and post-hospitalisation medical expenses incurred up to 60 days before the hospitalisation and 180 days after discharge from the hospital.

This policy offers some optional coverages other than the primary inclusions.

Reader Information: The Section 80D tax benefits discussed are applicable only under the old tax regime, subject to prevailing tax laws and regulations.

Note: ( If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )

HELP CENTRE

Confused? We’ve got the answers

Get all your Health Insurance related doubts clarified.

Is there a reduction in the pre-existing disease waiting period with the Smart Health Pro?

Yes, on opting for the Reduction of the PED waiting period optional cover, the waiting period of pre-existing disease coverage can be reduced from 36 months to 24/12 months.

Can a newborn baby be added to the Smart Health Pro before renewal?

Yes, the newborn child can be added in the mid-term of the policy when the baby turns 91 days by giving intimation within 45 days from the date of birth.

Can the room category be upgraded under the Smart Health Pro?

You can upgrade the hospital room category in the Smart Health policy with the ‘modification of room category’ optional cover, provided your sum insured is Rs. 10 lakh and above.

What is Smart Health Insurance?

Smart Health Insurance is a health insurance policy that uses digital technology to offer a more flexible, personalized, and convenient experience for policyholders, including features such as online access to medical records, customizable coverage options, wellness programs, and the capability to manage claims digitally, permitting for quick processing and better cost control; particularly it manipulates technology to enhance the healthcare experience for the insured person.

Is Smart Health Pro considered one of the best indemnity health insurance plans?

Yes, Smart Health Pro is designed as an indemnity health insurance plan, meaning it reimburses the actual medical expenses incurred during hospitalisation or treatment. With its wide range of sum insured options, optional covers, and wellness benefits, it is often regarded as one of the best indemnity health insurance choices for individuals and families.

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Disclaimer:

Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
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. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in

Name of the Cover	% of Discount / Loading
Cumulative Bonus Booster	5% Loading

Modification of Room Category	Any Room	10% Loading
	Shared Accommodation	7.5 % Discount

Reduction of Pre-Existing Diseases waiting period	Change in waiting period	Loading (applicable only one time)
	36 months to 24 months	15%
	36 months to 12 months	35%

Coverage for Non-medical Items (Consumables)	7.5% Loading

Unlimited Automatic Restoration of Sum Insured	5% Loading

Smart Health Pro

IRDAI UIN: SHAHLIP23172V012223

Quick Links

HIGHLIGHTS

Plan Essentials

Detailed List

Understand what’s included

ELIGIBILITY

Individual Entry Age

Floater Entry Age

IMPORTANT HIGHLIGHTS

Policy Type

Policy Term

Sum Insured

Long-Term Discount

Family Size

POLICY BENEFITS

In-Patient Hospitalisation

Pre-Hospitalisation

Post-Hospitalisation

Room Rent

Road Ambulance

Air Ambulance

Day Care Procedures

Domiciliary Hospitalisation

Home Care Treatment

Mid-Term Inclusion

Hospitalisation expenses for treatment of New Born Baby

AYUSH Treatment

Modern Treatment

Automatic Restoration of Sum Insured

Cumulative Bonus

Value Added Services

OPTIONAL COVERS (AVAILABLE ON PAYMENT OF ADDITIONAL PREMIUM)

Cumulative Bonus Booster

Modification of Room Category

Reduction of Pre-Existing Diseases Waiting Period

Coverage for Non-Medical Items (Consumables)

Unlimited Automatic Restoration of Sum Insured

Star Wellness Program

Wellness Program

Diagnostic Centres

E-Pharmacy

24*7 Customer Service

In-house Claim Settlement

Claim Settlement

Hospitals

Awards

Network Hospitals

Agreed Network Hospitals

Valuable Service Providers

Non-Network Hospitals

Excluded Providers

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Smart Health Pro

What is the Smart Health Pro?

Smart Health Pro Plan Eligibility

What is a Smart Health Pro Plan? SHAHLIP23172V012223

Benefits of Getting a Star Smart Health Pro

Inclusions of Smart Health Pro

Smart Health Pro Plan Exclusions

What Are the Additional Benefits Covered Under the Star Health Smart Health Pro?

What does the Star Health Pro Policy do in general?

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