Oneassure

Partner with us

Insurance Plans Comparison

Star Smart Health Pro vs HDFC ERGO Critical Illness Silver Plan

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

Read more
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
HDFC ERGO

Critical Illness Silver Plan

Affordable lump-sum cover for 8 major critical illnesses

What Makes It Special:

The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...

Best For:

  • Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover

  • Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age

  • Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs

  • Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure

  • Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions

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.

HDFC ERGO Critical Illness Silver Plan

  • Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.

  • The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.

  • The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.

  • Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.

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
Critical Illness Silver Plan
Critical Illness Silver Plan

Health Insurance Plan

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Critical Illness Silver Plan

Not applicable.

ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Critical Illness Silver Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Critical Illness Silver Plan

Not applicable.

Co-payment

Smart Health Pro

No standard co-payment specified

VS

Critical Illness Silver Plan

Not applicable

Restoration Benefit

Smart Health Pro

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

VS

Critical Illness Silver Plan

Not applicable — the benefit is payable once, on first diagnosis

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Critical Illness Silver Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

Cumulative Bonus

Smart Health Pro

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

VS

Critical Illness Silver Plan

Not specified

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Critical Illness Silver Plan

Not applicable

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Critical Illness Silver Plan

Not applicable

Consumable Cover

Smart Health Pro

Optional cover available

VS

Critical Illness Silver Plan

Not applicable.

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Critical Illness Silver Plan

90 days

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Critical Illness Silver Plan

Not specified.

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Critical Illness Silver Plan

48 months for all pre-existing conditions declared and/or accepted at application

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Critical Illness Silver Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Critical Illness Silver Plan

Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Critical Illness Silver Plan

Not applicable

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Critical Illness Silver Plan

Not applicable

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Critical Illness Silver Plan

Not applicable

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Critical Illness Silver Plan

Not applicable

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Critical Illness Silver Plan

Not specified — cover is written per insured person; no individual/floater structure is stated

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Critical Illness Silver Plan

97% approximately

Maternity Cover

Smart Health Pro

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

VS

Critical Illness Silver Plan

Not covered.

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

Compare With Other Health Insurance Plans

Smart Health Pro vs Supreme Senior Premium

Smart Health Pro vs Ultimate

Smart Health Pro vs Optima Secure

Smart Health Pro vs Super Mediclaim

Smart Health Pro vs Critical Illness Platinum Plan

Critical Illness Silver Plan vs Supreme Senior Premium

Critical Illness Silver Plan vs Ultimate

Critical Illness Silver Plan vs Optima Secure

Critical Illness Silver Plan vs Super Mediclaim

Critical Illness Silver Plan vs Critical Illness Platinum Plan

Oneassure

Health Insurance

Compare Health Insurance Plans

Smart Health Pro Vs Critical Illness Silver Plan

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.