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Insurance Plans Comparison

Star Smart Health Pro vs ManipalCigna ProHealth Accumulate

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
ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth 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

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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.

ManipalCigna ProHealth Accumulate

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
ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

ProHealth Accumulate

Information Unavailable

Advanced Treatments

Smart Health Pro

Information Unavailable

VS

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

ProHealth Accumulate

Information Unavailable

Co-payment

Smart Health Pro

No standard co-payment specified

VS

ProHealth Accumulate

Not mentioned

Waiting Period

Smart Health Pro

Information Unavailable

VS

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

Restoration Benefit

Smart Health Pro

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

VS

ProHealth Accumulate

Information Unavailable

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

ProHealth Accumulate

Not mentioned

Cumulative Bonus

Smart Health Pro

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

VS

ProHealth Accumulate

Information Unavailable

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

ProHealth Accumulate

Covered up to Sum Insured

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

ProHealth Accumulate

Covered up to Sum Insured

Consumable Cover

Smart Health Pro

Optional cover available

VS

ProHealth Accumulate

Information Unavailable

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

ProHealth Accumulate

Information Unavailable

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

ProHealth Accumulate

Information Unavailable

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

ProHealth Accumulate

Information Unavailable

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

ProHealth Accumulate

Information Unavailable

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

ProHealth Accumulate

Information Unavailable

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

ProHealth Accumulate

Information Unavailable

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

ProHealth Accumulate

Information Unavailable

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

ProHealth Accumulate

Information Unavailable

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

ProHealth Accumulate

Information Unavailable

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

ProHealth Accumulate

Information Unavailable

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

ProHealth Accumulate

Information Unavailable

Maternity Cover

Smart Health Pro

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

VS

ProHealth Accumulate

Information Unavailable

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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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