Smart Health Pro Overview
Smart Health Pro is a flexible healthcare plan that allows you to pay for coverage tailored to your needs. With this plan from Star Health Insurance, you get quality health coverage when you need it the most, enabling you to focus on recovery without worrying about unexpected medical expenses.
Key Features:
- Complete cashless treatment with 5 optional covers
- No Claim Bonus up to 7 times the Sum Insured
- Option to reduce Pre-Existing Disease (PED) waiting period
- No restriction on room category (choose as per your preference)
- Consumables cover included
- Restoration of Sum Insured unlimited times for all claims
Coverage Highlights:
- In-Patient Treatment: Hospitalization expenses including room, ICU, nursing, surgeon, anesthesia, medicines, diagnostics, and more, up to the Sum Insured.
- Day Care Treatment: All day care procedures covered.
- Air Ambulance: Coverage for emergency air ambulance services up to 10% of the Sum Insured.
- Modern Treatment: Covers advanced procedures like robotic surgery, stem cell therapy, oral chemotherapy, etc.
- Home Care Treatment: Medical expenses requiring hospitalization at home, up to 10% of Sum Insured (max ₹5 lakhs per policy year).
- Pre & Post Hospitalization: Expenses up to 60 days before and 180 days after hospitalization.
- Road Ambulance: Costs for hospital admission, inter-hospital transfer, and return to home.
- New Born Baby Treatment: Coverage for newborn up to 10% of Sum Insured (max ₹2 lakhs) if mother covered for 12 continuous months.
- AYUSH Treatment: In-patient hospitalization under Ayurveda, Unani, Siddha, and Homeopathy systems.
Additional Benefits:
- Cumulative Bonus: 50% of Sum Insured for every claim-free year (max 100%).
- Automatic Restoration: Sum Insured restored once by 100% after partial/full utilization.
- Wellness Program: Earn wellness points through various health activities and get up to 20% discount on premium renewal.
- Value Added Services: Unlimited tele-health consultations, medical concierge, digital health vault, post-operative care, discounts on network providers.
Optional Covers:
- Cumulative Bonus Booster enhancing coverage up to 600% of Sum Insured.
- Modification of Room Category.
- Reduction of Pre-existing Diseases Waiting Period.
- Coverage for Non-medical Consumable Items.
Sum Insured Options:
Ranges from ₹5 Lakhs to ₹1 Crore with flexible family floater plans available.
Policy Terms:
- Entry Age for Adults: 18 to 50 years
- Dependent Children: 91 days to 25 years
- Policy terms available for 1, 2, and 3 years with discounts for multi-year policies.
Why Choose Smart Health Pro?
Star Health and Allied Insurance Co. Ltd provides extensive network hospitals, quick cashless claim settlements, and comprehensive coverage designed to meet your healthcare needs conveniently and reliably.