Star Health Smart Health Pro

Quick Information

Basic Details

Entry Age 18 to 65 years

Coverage Amount ₹500,000 to ₹10,000,000

Claim Repudiation 0.00%

Incurred Claim Ratio 0.00%

Claims Paid Amount 0.00%

Claim Complaints 0.00%

Best For

Families looking for flexible comprehensive health insurance with restoration

consumables cover

newborn cover and wellness benefits.

What Works Well

Consumables cover available

Unlimited restoration add-on

Newborn baby covered from day 1

Modern treatment covered

Home care treatment available

Annual health checkup from day 1

Watch Out For

Organ donor expenses not covered

Room category restricted unless add-on purchased

Monthly premium payment not available

Several modern therapies specifically excluded

Customer service ratings below top competitors

Hidden Clauses - Read Very Carefully!

These clauses are often buried in fine print. MyInsureBuddy surfaces them so you're never surprised at claim time.

Consumables cover excludes external durable devices such as CPAP

BiPAP and similar equipment

Unlimited restoration requires optional cover

Room flexibility requires add-on

PED reduction available only through optional cover

Certain domiciliary diseases permanently excluded

⚡ At a Glance

Cashless Available Domiciliary Cover Family Floater Modern Treatments AYUSH Cover Reset Benefit Teleconsultation Health Coaching Preventive Checkups Room Rent Cap Complex Exclusions

Home Care

₹500,000

Cum. Bonus

50%/yr (max 100%)

Wellness Points

1,000

Special Benefits

•Secure Benefit

•Plus Benefit

•Restore Benefit

•Protect Benefit

Wellness Benefits

•Earn 1000+ wellness points

•Up to 20% renewal premium discount

•Health Risk Assessment rewards

•Gym and marathon participation rewards

•Vaccination and health checkup rewards

Modern Treatments

•Robotic Surgery

•Deep Brain Stimulation

•Stem Cell Therapy

•Oral Chemotherapy

•Bronchial Thermoplasty

•Intra Vitreal Injections

Optional Add-ons

•Cumulative Bonus Booster

•Unlimited Restoration

•Consumables Cover

•Room Category Modification

•PED Waiting Reduction

Domiciliary Exclusions

•Asthma

•Bronchitis

•Chronic Nephritis

•Diabetes

•Epilepsy

•Hypertension

Key Benefits (Pros)

•Large policyholder base

•Strong health insurance specialization

•Comprehensive digital ecosystem

•Wide product portfolio

Policy Drawbacks

•Higher complaint levels compared to top competitors

•Slow social media response

•Customer service rating below industry leaders

Day 31 Covered Diseases

•Data Not Available

Insurer Positives

•Large policyholder base

•Strong health insurance specialization

•Comprehensive digital ecosystem

•Wide product portfolio

Insurer Negatives

•Higher complaint levels compared to top competitors

•Slow social media response

•Customer service rating below industry leaders

Claim Support Services

•Home Pickup of Claims: Not Available

Claim Support Services

•Dedicated Relationship Manager for Claims: Not Available

Customer Service Observation

•Twitter/X response time categorized as Slow.

Unique Benefit

•Newborn baby hospitalization covered from day one.

Hidden Condition

•Consumables cover does not include external durable devices such as CPAP, BiPAP, hearing aids and similar equipment.

Room Restriction

•Unlimited room category requires optional modification cover.

Organ Donor Limitation

•Organ donor hospitalization expenses are not covered.

📌 Other Custom Details

•Founded Year: 2006

•Gross Written Premium Crore: 18319.76

•Number Of Policies: 11107932

•Number Of Claims: 2783577

•Financial Year: Data Not Available

Coverage & Benefits

Inpatient Hospitalization

Covered up to Sum Insured

Pre Hospitalization

60 Days

Post Hospitalization

180 Days

Day Care Procedures

All Procedures Covered

Domiciliary Treatment

Covered

Home Care Treatment

Covered

Modern Treatments

Covered

AYUSH Treatment

Covered

Air Ambulance

Up to 10% SI

Newborn Baby Cover

Covered from Day 1

Organ Donor Cover

Not Covered

Official Policy PDF

Download the official IRDAI-filed brochure from Star Health and Allied Insurance Company Limited.

📄 Official PDF brochure not yet available for this policy.

MyInsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 78%

Coverage Quality 92%

Policy Terms 82%

Value for Money 85%

Network & Features 80%

Product Benefits 90%

Hidden Risk Safety 72%

Rider Strength NULL

Flexibility NULL

Risk Level Low Risk (4/10)

Quick Actions

Add to My Policies Compare With Others Ask the Community →

How to View Policy Details

Find Support Branch

Coming Soon!

Find Cashless Hospital

Quick Information

What Works Well

Watch Out For

Hidden Clauses - Read Very Carefully!

⚡ At a Glance

Special Benefits

Wellness Benefits

Modern Treatments

Optional Add-ons

Domiciliary Exclusions

Key Benefits (Pros)

Policy Drawbacks

Day 31 Covered Diseases

Insurer Positives

Insurer Negatives

Claim Support Services

Claim Support Services

Customer Service Observation

Unique Benefit

Hidden Condition

Room Restriction

Organ Donor Limitation

📌 Other Custom Details

Coverage & Benefits

Terms & Conditions (Simplified)

Initial Waiting Period

PED Waiting Period

Specified Disease Waiting

Co-payment

Deductible

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

Quick Actions

Compare Star Health Smart Health Pro with top health plans

HDFC ERGO Optima Secure+

Acko Platinum Health Insurance

Activ One (MAX)

Unlock Pro Report