Star Health
Smart Health Pro
Star Smart Health Pro is a comprehensive policy catering to almost everyone. If you are a Star Health loyalist and looking for a policy that offers No-Claim Bonus Super of 50% to 600% and an unlimited restoration add-on, this can be an option. However, the plan has one particular drawback - a 4 year waiting period in the case of those with pre-existing medical conditions. Now, you can overcome this issue with a PED Reduction Rider, but the built-in waiting period is a hurdle. Add to this the issue of Star Health taking a major hit on its credibility. Honestly, you might want to shop around a bit more in search of a comprehensive plan.
What's good here?
New Born Baby coverage
This plan offers in-built coverage for the newborn baby up to 10% of base Sum Insured maximum up to ₹2 lakhs with a waiting period of 12 months if the mother is insured under this plan.
This plan offers in-built coverage for the newborn baby up to 10% of base Sum Insured maximum up to ₹2 lakhs with a waiting period of 12 months if the mother is insured under this plan.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Special Bonus for being healthy
Your sum insured increases by 50% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Long waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!
Add-ons
Reduction in PED Waiting Period
This optional cover reduces the applicable pre-existing waiting period from 48 months to either 36 months, 24 months, or 12 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.
Cumulative Bonus Booster
With this add-on, you get an additional bonus of 50% for every claim free year up to 600% of the base sum insured. This benefit is applicable for sum insured ₹10 lakhs and above.
Unlimited Restoration
Unlimited Restore will restore your cover in full every time a claim is settled.
Consumables Cover
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
Room Rent Modifier
With this add-on, the insurance company modifies the room rent restriction from Single Private Room to either Any Room or Shared Accommodation.
Frequently Asked Questions
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