Star Smart Health Pro

Star Smart Health Pro

  • 14,000+ Network Hospitals
  • 99.06% Claim Settlement Ratio
  • 24x7 Claim Assistance

Star Health Insurance has recently launched a new health plan, Star Smart Health Pro, offering a comprehensive range of benefits for individuals and their families. This plan provides cashless medical treatment in over 14,000 Star Health Insurance Network Hospitals. It gives you the flexibility to choose the duration of coverage, with options for 1/2/3 years. Additionally, it offers various sum-insured options that range from 5 lakh to 1 crore, empowering you to select the coverage that best suits your needs. You can also enhance your coverage with some optional add-on riders at a minimum additional premium amount.

Highlights of Star Smart Health Pro Insurance Policy

Below are the specifications of the Star Smart Health Pro Insurance Plan from Star Health Insurance:

  • Entry Age

    Individuals: 18 to 50 years
    Family Floater: Adults 18 years to 50 years
    Dependent Children: 3 months to 25 years

  • Renewability


  • Policy Type

    Individual and Family Floater

  • Sum Insured

    INR 5L, INR 10L, INR 15L, INR 20L, INR 25L, INR 50L, INR 75L, INR 1Cr

  • Policy Term

    1, 2, 3 Years

  • Waiting Period for PED

    48 Months

Eligibilities to buy Star Smart Health Pro Insurance Policy

Below is the eligibility of the Star Smart Health Pro Insurance policy:

  • Individual
  • Family Floater

Entry Age: 18 Years to 50 years

Entry Age: 18 Years to 50 years

Policy Term: 1,2,3 Years

No. of Covered Members: 5 Members

Coverage Benefits Offered Under Star Smart Health Pro Insurance Policy

Under the Star Smart Health Pro Insurance Policy, several coverage benefits are offered to ensure comprehensive health protection for policyholders. Here are the coverage benefits provided under Star Smart Health Pro:

  • 5L to 1 Crore

Room Rent

Single Private AC Room

ICU Charges

Covered up to SI


Covered up to 60 Days


Covered up to 180 Days

Daycare Treatments

Covered up to SI

Domiciliary Hospitalization


No Claim Bonus

50% of SI up to a maximum of 100% of SI for every claim-free year

Automatic Restoration

100% of SI once a year

New Born Baby Cover

Covered up to 10% of SI, maximum of up to INR 2 Lakh

AYUSH Treatment

Covered up to the Sum Insured

Modern Treatment

Covered up to the Sum Insured

Ambulance Cover

Covered up to the Sum Insured

Air Ambulance Cover

Covered up to 10% of the Sum Insured

Health Checkup

Covered up to the Sum Insured



Star Smart Health Pro Insurance Policy Exclusion

Below is the list of diseases and conditions that are not covered under the Star Smart Health Pro Insurance Policy:

  • Mental illness
  • Intentional self-injury
  • Change of Gender
  • AIDS
  • Cosmetic & aesthetic treatment
  • Dental surgery
  • Hospitalization due to war, strikes, riots, and nuclear weapons.
  • Congenital disease
  • Miscarriage and abortion

Coverage After Waiting Period

Below is the list of benefits that are covered after a certain waiting period:

  • Initial Waiting Period: 30 Days
  • Waiting Period for Pre-existing Period: 24 Months
  • Listed Ailments: 24 Months

Star Smart Health Pro Policy Additional Benefits

In addition to the core coverage benefits, the Star Smart Health Pro policy offers several additional benefits to enhance the policyholders' overall health protection and well-being. Here are some additional benefits provided under the Star Smart Health Pro Plan:


Star Wellness Program

The Star Women Care Plan rewards the insured's healthy lifestyle through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:

Wellness Points Discount in Premiums
200 to 350 2%
351 to 600 5%
601 to 750 7%
751 to 1000 10%

Talk to Star

The insured can get a free consultation from specialist doctors by phone, chat, or video call by dialling 7676905905.


COVID-19 Helpline

Insured persons can get free COVID-19 consultations from Star Health Insurance health experts between 8 AM and 10 PM. Just call them at 7676905905 in case of COVID-19.



Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pick-up.


Diagnostics Centers

Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.


Value-Added Services

The insured will get several value-added services, such as Star Telehealth Services, Wellness Content, Digital Health Vault, Medical Concierge Services, Post-Operative Care, and Discounts from Network Providers.

Star Smart Health Pro Insurance Policy Add-on Riders

The Star Smart Health Pro insurance policy offers various add-on riders that can be opted for to enhance the coverage and tailor the policy to specific needs. These add-on riders provide additional benefits beyond the standard policy coverage. Here are the add-on riders that are available under the Star Smart Health Pro Plan:


Cumulative Bonus Booster

In this add-on rider, the insured will get an additional cumulative bonus of 50% of the sum insured for every claim-free year, subject to a maximum of 600% of the sum insured. But if you opt for a sum insured of INR 10 lakh and above, you can avail of these benefits.


Modification of Room Category

AIDS or similar diseases are not covered under a Mediclaim policy. The insurance company will also not pay for diseases or disorders resulting from unhealthy lifestyles or habits such as excessive drinking, drug abuse, or prescription medication abuse.


Reduction of Pre-Existing Diseases Waiting Period

The insured can opt for this add-on rider to reduce the waiting period for pre-existing diseases from 48 months to 36/24/12 months. However, this can be opted only on the first purchase of the policy.


Coverage for Non-Medical Items (Consumables)

This add-on rider provides coverage for non-medical items as specified in List I of the policy. It will be payable if the in-patient/daycare treatment claim is admissible under the policy.


Unlimited Automatic Restoration of Sum Insured

This add-on rider will automatically restore the sum insured unlimited times in case of partial or complete utilization of the sum insured.