Insurance Plans Comparison
Star Smart Health Pro vs HDFC ERGO myHealth Medisure Super Top-up
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSmart 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
myHealth Medisure Super Top-up
A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.
What Makes It Special:
my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...
Best For:
Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures
Insurance Plans Comparison
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Quick Decision Guide
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.
The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Smart Health Pro Health Insurance Plan VS VS |
![]() myHealth Medisure Super Top-up Health Insurance Plan |
| Room Rent |
|---|
Smart Health Pro Private Single A/C Room; optional room modification available |
VS VS |
myHealth Medisure Super Top-up
|
| ICU Charges |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
| Advanced Treatments |
|---|
Smart Health Pro Information Unavailable |
VS VS |
myHealth Medisure Super Top-up
|
| Disease-wise sublimits |
|---|
Smart Health Pro Applicable limits may apply |
VS VS |
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits |
| Co-payment |
|---|
Smart Health Pro No standard co-payment specified |
VS VS |
myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase. |
| Restoration Benefit |
|---|
Smart Health Pro 100% once under base cover; unlimited restoration available as an optional cover |
VS VS |
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted |
| Cashless Healthcare Providers |
|---|
Smart Health Pro Available through Star Health network hospitals |
VS VS |
myHealth Medisure Super Top-up 16,000+ 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 VS |
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100% |
| Daycare Treatment |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
myHealth Medisure Super Top-up Covered by the policy. |
| AYUSH Treatment |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
myHealth Medisure Super Top-up Covered in the policy. |
| Consumable Cover |
|---|
Smart Health Pro Optional cover available |
VS VS |
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section |
| Initial Waiting Period |
|---|
Smart Health Pro 30 Days, except applicable accident and renewal cases |
VS VS |
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
| Specific Waiting Period |
|---|
Smart Health Pro 24 Months for specified conditions and procedures |
VS VS |
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
| PED Waiting Period |
|---|
Smart Health Pro 48 Months under the base plan; optional reduction available |
VS VS |
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
| Modern Treatment |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
myHealth Medisure Super Top-up Not specified |
| Annual Health Checkup |
|---|
Smart Health Pro Available every policy year, subject to applicable limits |
VS VS |
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary |
| Pre-Hospitalisation |
|---|
Smart Health Pro Up to 60 Days |
VS VS |
myHealth Medisure Super Top-up Information Unavailable |
| Post-Hospitalisation |
|---|
Smart Health Pro Up to 180 Days |
VS VS |
myHealth Medisure Super Top-up 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
Smart Health Pro Not a standard OPD benefit |
VS VS |
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover |
| Deductible Option |
|---|
Smart Health Pro Not specified as a standard base deductible |
VS VS |
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound |
| Coverage Options |
|---|
Smart Health Pro ₹5 Lakh to ₹1 Crore |
VS VS |
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
| Claim Settlement Ratio |
|---|
Smart Health Pro Not specified |
VS VS |
myHealth Medisure Super Top-up 97.43% |
| Maternity Cover |
|---|
Smart Health Pro Optional maternity-related cover may be selected subject to product terms |
VS VS |
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
Insurance Plans Comparison
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