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Insurance Plans Comparison

Star Smart Health Pro vs Liberty Health Connect Elite

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
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance 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.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year 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
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Health Connect Elite

Subject to selected plan limits

ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Health Connect Elite

Covered as per selected plan

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Health Connect Elite

Applicable as per selected plan

Co-payment

Smart Health Pro

No standard co-payment specified

VS

Health Connect Elite

Applicable as per selected plan

Restoration Benefit

Smart Health Pro

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

VS

Health Connect Elite

Reload available from first claim

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Health Connect Elite

6,100+ network hospitals available

Cumulative Bonus

Smart Health Pro

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

VS

Health Connect Elite

Up to 150% of Sum Insured

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Health Connect Elite

405 daycare procedures covered

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Health Connect Elite

Not specified in the brochure

Consumable Cover

Smart Health Pro

Optional cover available

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Health Connect Elite

Not covered under the policy

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

Smart Health Pro

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

VS

Health Connect Elite

Not covered except ectopic pregnancy

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

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

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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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