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Insurance Plans Comparison

Star Smart Health Pro vs Care Ultimate

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Smart Health Pro

Customisable online health insurance with high Sum Insured options, restoration, wellness benefits and optional coverage enhancements.

What Makes It Special:

Smart Health Pro is an online health insurance plan built around flexible coverage. It provides hospitalisation, daycare, AYUSH, modern treatment, home care, ambulance and annual health check-up benefits, while optional covers allow customers to modify room eligibility, add consumables, reduce the PED waiting period and increase cumulative bonus.

Best For:

  • Young adults and families seeking flexible health insurance

  • Customers looking for Sum Insured up to ₹1 Crore

  • Customers interested in restoration benefits

  • People seeking extended post-hospitalisation coverage

  • Buyers who want optional coverage customisation

VS
Care

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • Health-conscious customers seeking wellness rewards and renewal discounts.

  • Individuals interested in unlimited restoration of their sum insured.

  • Customers who value rewards for remaining claim-free.

  • People looking for coverage options up to ₹1 crore.

  • Individuals and families seeking comprehensive hospitalisation coverage.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Smart Health Pro

  • Reasons to Consider: Sum Insured options range from ₹5 Lakh to ₹1 Crore.

  • Reasons to Consider: The base plan provides automatic restoration once during the policy year.

  • Reasons to Consider: Home care and air ambulance benefits are included.

  • Reasons to Consider: Post-hospitalisation expenses are covered for up to 180 days.

  • Reasons to Consider: Optional covers allow additional customisation.

  • Things to Consider: The base PED waiting period is 48 months.

  • Things to Consider: Entry age is limited to the eligibility specified by the product.

  • Things to Consider: Several enhanced benefits require optional covers and additional premium.

  • Things to Consider: The product is available online only.

  • Things to Consider: Room category and consumables options depend on the selected cover.

Care Ultimate

  • Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.

  • Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.

  • Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.

  • Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.

  • Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Health Pro
Smart Health Pro

Health Insurance Plan

Brochure

Policy Wording

VS
Ultimate
Ultimate

Health Insurance Plan

Brochure

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Ultimate

All room categories are covered

ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Ultimate

No restriction on ICU room rent

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Ultimate

No 

Co-payment

Smart Health Pro

No standard co-payment specified

VS

Ultimate

Not available

Restoration Benefit

Smart Health Pro

100% once under base cover; unlimited restoration available as an optional cover

VS

Ultimate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Ultimate

21700+ Healthcare Providers

Cumulative Bonus

Smart Health Pro

50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600%

VS

Ultimate

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Ultimate

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Ultimate

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Smart Health Pro

Optional cover available

VS

Ultimate

No. However, available as an add-on

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Ultimate

30 days

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Ultimate

2 years
 

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Ultimate

3 years
 

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Ultimate

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Ultimate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Ultimate

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Ultimate

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Ultimate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Ultimate

Not available

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Ultimate

96%

Maternity Cover

Smart Health Pro

Optional maternity-related cover may be selected subject to product terms

VS

Ultimate

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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