Insurance Plans Comparison
Star Smart Health Pro vs Care Supreme Value for Money
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
Supreme Value for Money
Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.
What Makes It Special:
Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...
Best For:
Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.
Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.
Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.
Customers who value unlimited automatic recharge for eligible repeat hospitalisations.
Individuals and families looking for health insurance with essential hospitalisation benefits.
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.
Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.
Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.
Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.
Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.
Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Smart Health Pro Health Insurance Plan VS VS |
Supreme Value for Money Health Insurance Plan |
| Room Rent |
|---|
Smart Health Pro Private Single A/C Room; optional room modification available |
VS VS |
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation. |
| ICU Charges |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
| Disease-wise sublimits |
|---|
Smart Health Pro Applicable limits may apply |
VS VS |
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions. |
| Co-payment |
|---|
Smart Health Pro No standard co-payment specified |
VS VS |
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim. |
| Restoration Benefit |
|---|
Smart Health Pro 100% once under base cover; unlimited restoration available as an optional cover |
VS VS |
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms. |
| Cashless Healthcare Providers |
|---|
Smart Health Pro Available through Star Health network hospitals |
VS VS |
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals. |
| Cumulative Bonus |
|---|
Smart Health Pro 50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600% |
VS VS |
Supreme Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims. |
| Daycare Treatment |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions. |
| AYUSH Treatment |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions. |
| Consumable Cover |
|---|
Smart Health Pro Optional cover available |
VS VS |
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant. |
| Initial Waiting Period |
|---|
Smart Health Pro 30 Days, except applicable accident and renewal cases |
VS VS |
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents. |
| Specific Waiting Period |
|---|
Smart Health Pro 24 Months for specified conditions and procedures |
VS VS |
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
| PED Waiting Period |
|---|
Smart Health Pro 48 Months under the base plan; optional reduction available |
VS VS |
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected. |
| Modern Treatment |
|---|
Smart Health Pro Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions. |
| Annual Health Checkup |
|---|
Smart Health Pro Available every policy year, subject to applicable limits |
VS VS |
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant. |
| Pre-Hospitalisation |
|---|
Smart Health Pro Up to 60 Days |
VS VS |
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured. |
| Post-Hospitalisation |
|---|
Smart Health Pro Up to 180 Days |
VS VS |
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Smart Health Pro Not a standard OPD benefit |
VS VS |
Supreme Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available. |
| Deductible Option |
|---|
Smart Health Pro Not specified as a standard base deductible |
VS VS |
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims. |
| Coverage Options |
|---|
Smart Health Pro ₹5 Lakh to ₹1 Crore |
VS VS |
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product. |
| Claim Settlement Ratio |
|---|
Smart Health Pro Not specified |
VS VS |
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved. |
| Maternity Cover |
|---|
Smart Health Pro Optional maternity-related cover may be selected subject to product terms |
VS VS |
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage. |
Insurance Plans Comparison
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Insurance Plans Comparison
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Insurance Plans Comparison
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