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Insurance Plans Comparison

Star Smart Health Pro vs ICICI Lombard Criti Shield Plus

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
ICICI Lombard

Criti Shield Plus

Pay a lump sum for 92 major and minor critical illnesses in five groups, with the full sum insured for a major illness and 25% for a minor one, and make another claim from a different group.

What Makes It Special:

Criti Shield Plus focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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.

ICICI Lombard Criti Shield Plus

Not available

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
Criti Shield Plus
Criti Shield Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Criti Shield Plus

Normal: Not Applicable

ICU: Not Applicable

ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Criti Shield Plus

Information Unavailable

Advanced Treatments

Smart Health Pro

Information Unavailable

VS

Criti Shield Plus

Bone Marrow Transplant

Major Organ Transplant

Open Chest CABG

Open Heart Valve Replacement/Repair

Surgery of Aorta

Angioplasty

Balloon Valvotomy / Valvuloplasty

Cardiac Defibrillator Insertion

Carotid Artery Surgery

Small Bowel Transplant

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Criti Shield Plus

Information Unavailable

Co-payment

Smart Health Pro

No standard co-payment specified

VS

Criti Shield Plus

Not Applicable

Waiting Period

Smart Health Pro

Information Unavailable

VS

Criti Shield Plus

Initial Waiting Period: 90 Days

Pre-existing Disease Waiting Period: Pre-existing diseases are excluded

Restoration Benefit

Smart Health Pro

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

VS

Criti Shield Plus

Information Unavailable

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Criti Shield Plus

Not Applicable

Cumulative Bonus

Smart Health Pro

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

VS

Criti Shield Plus

Information Unavailable

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Criti Shield Plus

Not Applicable

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Criti Shield Plus

Not Mentioned

Consumable Cover

Smart Health Pro

Optional cover available

VS

Criti Shield Plus

Information Unavailable

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Criti Shield Plus

Information Unavailable

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Criti Shield Plus

Information Unavailable

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Criti Shield Plus

Information Unavailable

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Criti Shield Plus

Information Unavailable

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Criti Shield Plus

Information Unavailable

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Criti Shield Plus

Information Unavailable

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Criti Shield Plus

Information Unavailable

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Criti Shield Plus

Information Unavailable

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Criti Shield Plus

Information Unavailable

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Criti Shield Plus

Information Unavailable

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Criti Shield Plus

Information Unavailable

Maternity Cover

Smart Health Pro

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

VS

Criti Shield Plus

Information Unavailable

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

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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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