Star Smart Health Pro Health Insurance

With the rise in health problems, having health insurance has become no less than an investment. It is one of the crucial insurance plans that provides protection against medical emergencies. Owing to the many benefits that a health insurance plan offers, there are a number of companies selling health insurance plans, including Star Health. Star offers a variety of health insurance plans such as family plans, individual plans, and more. The company started its operations in 2006 and ever since it has been offering some of the best health insurance plans at affordable premiums. Recently it also launched Star Smart Health Pro, so in the section below let us discuss about this plan.

The Star Smart Health Pro Health Insurance is a recently launched plan that is a comprehensive solution to all your health insurance needs. With the Star Smart Health Pro Health Insurance, you can stay focussed more on your treatment than arranging for medical expenses. This health plan offers policyholders the flexibility to choose their sum insured, policy term, and premium payment frequency and has a lot of advantages.

Star Smart Health Pro Health Insurance Details at a Glance

Coverage	Family and individual
Riders	Cumulative booster, Unlimited restoration benefits, Reduction in PED waiting period, etc
Variants	N/A
Key features	Online plan, Complete cashless treatment, Star Wellness Benefits, etc
Inclusion	In-patient treatment, Pre and post hospitalisation, AYUSH, Modern-day treatment, etc
Exclusion	Weight-related treatment, Expenses related to involvement in adventurous activities, etc

Key Features of Star Smart Health Pro Health Insurance

Some of the key features of Star Smart Health Pro Health Insurance are as follows:

• Complete Cashless Treatment: The Star Smart Health Pro Health Insurance offers the benefit of a complete cashless treatment with 5 optional covers such as consumables cover, reduction in PED waiting period, unlimited restoration benefits, and a lot more.

• Star Wellness Program: With the Star Smart Health Pro Health Insurance, you can also benefit from the Star Wellness Program. This program rewards policyholders who are healthy and lead an active lifestyle. The wellness points hence earned can be used to get discounts on health insurance premiums.

• Annual Health Check-up: At Star Health Insurance, the well-being of the policyholders is given utmost importance. Thus, when you buy the Star Smart Health Pro Health Insurance, you will also enjoy the benefit of getting annual health check-ups based on the sum insured you have opted for.

• Coverage: The Star Smart Health Pro Health Insurance plan offers coverage on both individual and family floater basis. Under a family plan, you can get insurance for 2 adults and 3 children and safeguard them against medical emergencies.

• Online Plan: To help policyholders buy health insurance plans from the comfort of their home, the Star Smart Health Pro Health Insurance has been designed as a fully online plan. You can easily buy this plan from the company website.

Eligibility Criteria of Star Smart Health Pro Health Insurance

The eligibility criteria of the Star Smart Health Pro Health Insurance are as follows:

Minimum entry age for adults	18 years
Maximum entry age for adults	50 years
Minimum entry age for child	91 days
Maximum entry age for child	25 years
Policy term	1, 2, or 3 years
Sum insured	Rs. 5,00,000 - Rs. 1,00,00,000
Pre-existing waiting period	48 months

Benefits of Buying Star Smart Health Pro Health Insurance Plan

Some of the reasons why you should buy the Star Smart Health Pro Health Insurance plan are as follows:

• Sum Insured: When buying the Star Smart Health Pro Health Insurance Plan, policyholders are given the flexibility to choose a sum insured that best fits their budget. Policyholders can choose the sum insured equivalent to Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, Rs. 75 lakhs, or Rs. 1 crore.

• Preventive Care Benefits: The Star Smart Health Pro Health Insurance Plan also offers preventive healthcare benefits such as an annual health check-up benefit provided based on the sum insured. On the other hand, you can also get discounts on health insurance premiums for leading a healthy lifestyle. It is important to note that to keep track of your wellness, the same is monitored on the Star Health App and Star Wellness App.

• Optional Cover: Although the Star Smart Health Pro Health Insurance Plan offers ample benefits, you can include a number of optional covers to the plan to further enhance its benefits. Some of these optional covers include Cumulative Bonus Booster, Modification in Room Category, Reduction in PED Waiting Period, and a few more.

• Cumulative Bonus: Also called No Claim Bonus, it is a benefit that is given if the policyholder raises no claim in a given year. The cumulative bonus is calculated at 50% and goes a maximum up to 100%

• Other Coverage: The Star Smart Health Pro Health Insurance Plan is a comprehensive health insurance plan that provides coverage for in-patient hospitalistaion, pre and post hospitalisation expenses, road ambulance cover, AYUSH treatment, home care treatment, and a lot more. The coverage for all of these is dependent on the sum insured you have chosen.

Riders Available with Star Smart Health Pro Health Insurance Plan

There are a few riders that you can include in your Star Smart Health Pro Health Insurance Plan such as the following:

• Modification of Room Category: With this add-on, you can upgrade your room as per your choice. You can upgrade your room type from a shared to a single private AC room or any other type.

• Reduction of PED Waiting Period: There is a specific waiting period for pre-existing illness. You can however get the waiting period reduced for pre-existing illness from 4 years to 3, 2, or 1 year.

• Consumable Cover: This add-on provides coverage for consumables or non-medical items as listed on the policy document.

• Unlimited Restoration Benefit: In case a health insurance claim has been raised, you can still get your sum insured restored. With this add-on, the sum insured gets restored for unlimited times.

• Cumulative Bonus Booster: This boosts the cumulative bonus up to a maximum of 600% instead of the usual 100%. However, this is available only when you choose the sum insured of Rs. 10 lakhs and above.

Inclusions and Exclusions of Star Smart Health Pro Health Insurance Plan

Inclusions:

• In-patient Treatment: This provides medical expenses related to hospitalisation for at least 24 hours. The coverage offered is up to the sum insured.

• Day care procedures: All kinds of treatment that do not require hospitalistaion or day care procedures are covered under this plan.

• Air ambulance: The expenses related to air ambulance are covered up to 10% of the sum insured.

• Modern treatment: It includes all kinds of modern-day treatments such as chemotherapy, stem cell therapy, and more.

• Home care treatment: In case the policyholder is seeking treatment at home, then coverage for the sum is provided. It is up to 10% of the sum insured or a maximum of Rs. 5 lakhs.

• Pre and Post Hospitalisation Expenses: For pre-hospitalisation expenses, coverage is offered up to 60 days prior to hospitalisation and post hospitalisation expenses are covered for up to 180 days.

• Road ambulance: This covers the medical expenses for transporting the insured from the place of residence to the hospital or from one hospital to another.

• AYUSH Treatment: It includes coverage for AYUSH Treatment up to the sum insured.
• New-born Baby expenses: It covers expenses related to a newborn baby from day 1. The coverage is 10% of the sum insured and goes up to a maximum of Rs. 2 lakhs.

Exclusions

• Any expenses related to injuries due to consumption of alcohol or drugs
• Any injury due to involvement in adventurous activities
• Cosmetic surgery
• Any kind of unproven treatment
• Weight control treatment

Documents Required to Buy Star Smart Health Pro Health Insurance Plan

Some of the documents required to buy the Star Smart Health Pro Health Insurance Plan are as follows:

• A duly-filled application form
• PAN card
• Aadhaar card
• Passport
• Bank account details
• Income proof
• Passport-sized photograph
• Pre-existing medical conditions

How to Buy Star Smart Health Pro Health Insurance Plan?

Listed below are a few simple steps in which you can buy the Star Smart Health Pro Health Insurance Plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Star Health Insurance" from the list of health insurance companies.
• Then, select "Smart Health Pro Health Insurance Plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Smart Health Pro Health Insurance Plan

There are two types of claims you can raise with Star Health Insurance, cashless claims and reimbursement claims. Under a cashless claim, your bills will be directly settled at the network hospital. On the other hand, in a reimbursement claim, the medical expenses incurred will be later settled by the insurance company.

Cashless Claim

• First, make a visit to the nearest network hospital
• Fill out the proposal form and submit all the relevant documents such as the policy form
• Next, the insurance company will verify all the documents and claim request
• Once verified, your claim request will be settled

Reimbursement Claim

• For reimbursement claims, you can get treatment at any hospital
• Next, raise a claim on Star Health insurance on the official website
• Then, submit all the required documents along with the claim form
• You also need to submit the details of the medical expenses. Once all of it has been approved, the expenses will be reimbursed by the insurance company