What is the maximum sum insured available under Smart Health Pro?

Smart Health Pro offers sum insured options ranging from ₹5 lakh up to ₹1 crore.

Does Smart Health Pro provide restoration of sum insured?

Yes. The base plan provides automatic restoration of 100% once during the policy year. An optional cover allows unlimited restorations up to 100% each time during the policy year.

Are air ambulance expenses covered?

Yes. Air ambulance expenses are covered up to 10% of the sum insured per policy year.

Does the policy cover home care treatment?

Yes. Home care treatment is covered up to 10% of the sum insured, subject to a maximum of ₹5 lakh per policy year when availed through network providers.

OneAssure

Health Insurance

Star

Smart Health Pro

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Health Insurance

Final Verdict

Smart Health Pro is a flexible and digitally focused health insurance plan designed for younger individuals and families who want customizable coverage, strong restoration benefits, high sum insured options, and wellness-driven rewards.

About

About Star Health Insurance

Smart Health Pro provides hospitalization coverage including room rent, ICU charges, air ambulance, road ambulance, home care treatment, AYUSH treatment, newborn baby cover, daycare procedures, modern treatments, pre- and post-hospitalization expenses, wellness benefits, annual health checkups, and cumulative bonus benefits. The plan also offers multiple optional covers for additional flexibility and enhanced protection.

Smart Health Pro Ratings

Smart Health Pro

Insurer Rating

5.67

out of 10

Insurance Rating

6.25

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Add on

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

Normal: Private Single AC Room
ICU: Up to Sum Insured

Advanced Treatments

Modern treatments including advanced procedures such as robotic surgery, deep brain stimulation, stem cell therapy, and oral chemotherapy are covered up to the sum insured.

Co-payment

Not Mentioned

Cashless Healthcare Providers

Available

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 48 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Private Single AC Room
ICU: Up to Sum Insured

Advanced Treatments

Modern treatments including advanced procedures such as robotic surgery, deep brain stimulation, stem cell therapy, and oral chemotherapy are covered up to the sum insured.

Co-payment

Not Mentioned

Exclusions

Not available

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...