Oneassure

Partner with us

Insurance Plans Comparison

Star Smart Health Pro vs Star Super Surplus Gold

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
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

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

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.

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

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
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Super Surplus Gold

Single Private A/C Room


ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Super Surplus Gold

Covered as part of hospitalisation

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Super Surplus Gold

Specific limits and defined limits apply


Co-payment

Smart Health Pro

No standard co-payment specified

VS

Super Surplus Gold

Not specified as a standard co-payment

Restoration Benefit

Smart Health Pro

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

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Super Surplus Gold

Cashless treatment through 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

Super Surplus Gold

Not specified


Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Super Surplus Gold

All daycare procedures covered

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Super Surplus Gold

Covered up to Sum Insured

Consumable Cover

Smart Health Pro

Optional cover available

VS

Super Surplus Gold

Not specified

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Super Surplus Gold

Not specified

Maternity Cover

Smart Health Pro

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

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


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

Zero Spam. Zero Hassle

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

Compare With Other Health Insurance Plans

Smart Health Pro vs Optima Secure

Smart Health Pro vs Super Mediclaim

Smart Health Pro vs Health Recharge

Smart Health Pro vs Cancer Cover Activ Cancer Secure Plan

Smart Health Pro vs Optima Secure Plus

Super Surplus Gold vs Optima Secure

Super Surplus Gold vs Super Mediclaim

Super Surplus Gold vs Health Recharge

Super Surplus Gold vs Cancer Cover Activ Cancer Secure Plan

Super Surplus Gold vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Smart Health Pro Vs Super Surplus Gold

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.