Benefits of Star Smart Health Pro Plan

Take a look at the key benefits of buying a Star Smart Health Pro plan:

• Annual Health Check-ups

  Policyholders can avail preventive health check-up facilities every year with this plan, irrespective of raising a claim in the previous year.

• Automatic Restoration of Sum Insured

  The Star Smart Health Pro plan automatically restores the policy sum insured for up to 100% once a year in case it gets partially or fully exhausted. Unlimited restoration of the sum insured is also available but on payment of an additional premium.

• Wellness Discount on Premium

  Star Health & Allied Insurance offers a wellness discount of up to 20% on renewal premiums to policyholders leading a healthy lifestyle. They just need to earn more than 750 wellness points by performing wellness activities, such as achieving the step count target, taking membership of a gym/health club, participating in marathons/cyclothons, undertaking health risk assessments, etc.

• No Co-Payment

  This Star health insurance policy does not come with any co-payment payable by policyholders at any age during claim settlement.

• Cumulative Bonus

  Under this plan, a cumulative bonus of 50% for up to 100% is granted to the policyholder after every claim-free year.

• Value Added Services

  The insurance company also offers a few value-added services as part of the Star Smart Health Pro plan, including Star telehealth services, medical concierge services, discounts from network providers, digital health vaults, post-operative care and wellness content.

• Online Purchase Only

  This Star health insurance plan can only be purchased online. As a result, there will be no insurance agents involved, and customers will be able to avail a flat 10% discount on premiums.

• Tax Benefits

  Policyholders can also earn tax deductions on the premiums paid to buy a Star Smart Health Pro policy as per Section 80D of the Income Tax Act.

Inclusions of Star Smart Health Pro Plan

The following coverage are included in a Star Smart Health Pro plan:

• In-patient Hospitalization - It covers the medical costs incurred on hospitalization of at least 24 hours.
• Day Care Procedures – It pays for all day care procedures that do not require a hospitalization of 24 hours.
• Road Ambulance – It covers the cost of availing road ambulance services for transporting the insured to the hospital or from the hospital.
• Air Ambulance – It pays for the cost of air ambulance services availed by the insured during a medical emergency.
• Pre-hospitalization Expenses – It covers the medical expenses incurred for up to 60 days before getting hospitalized.
• Post-hospitalization Expenses – It pays for the medical expenses incurred for up to 180 days after getting discharged from the hospital.
• Domiciliary Hospitalization – It covers the cost of availing medical treatment at home on the doctor’s recommendation in case hospital admission is not possible. However, this cover will activate after 3 consecutive days of home hospitalization.
• Home Care Treatment – It pays for medical expenses incurred on availing medical treatment at home that would otherwise require hospitalization.
• Newborn Baby Expenses – It covers the medical costs incurred on the treatment of a newborn baby from day 1. However, this cover is available only if the mother has been insured in the same policy for over 12 months.
• AYUSH Treatment – It pays for the in-patient treatment availed under Ayurveda, Siddha, Unani and Homeopathy systems of medicines.
• Modern Treatment – It covers the cost of 11 modern treatments availed by the insured, including oral chemotherapy, stem cell therapy and robotic surgeries.

Optional Covers:

• Cumulative Bonus Booster – It upgrades the maximum limit on cumulative bonus, enabling policyholders to earn a 50% bonus for every claim-free year for up to 600%.
• Modification of Room Category – It enables policyholders to modify the room category from a single private AC room to any room or shared accommodation.
• Reduction of Pre-Existing Waiting Period – It reduces the pre-existing disease (PED) waiting period from 4 years to 3 years, 2 years or 1 year.
• Coverage for Non-Medical Items – It covers the medical expenses incurred on non-medical items, such as masks, syringes, cotton, gloves, etc., at the time of hospitalization.
• Unlimited Automatic Restoration of Sum Insured – It automatically restores the sum insured of the policy for up to 100% unlimited times a year in case of partial or complete exhaustion.