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Insurance Plans Comparison

Star Smart Health Pro vs Star Young Star

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
Star

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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.

Star Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

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
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Young Star

Covered as part of hospitalisation expenses

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Co-payment

Smart Health Pro

No standard co-payment specified

VS

Young Star

No standard co-payment specified in the supplied policy document

Restoration Benefit

Smart Health Pro

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

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Cumulative Bonus

Smart Health Pro

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

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Young Star

All Day Care Procedures Covered

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Smart Health Pro

Optional cover available

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Smart Health Pro

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

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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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