Star Health introduces Smart Health Pro as a digital and customisable medical insurance product; all you could know

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By Dainik Khabre

Star Health introduces Smart Health Pro as a digital and customisable medical insurance product; all you could know

Star Health and Allied Insurance launched Smart Health Pro, a digital-exclusive medical insurance coverage. This revolutionary coverage gives clients the liberty to customize their protection by selecting from 5 elective add-on covers. Specifically designed to satisfy the altering necessities of India’s digitally inclined inhabitants, the coverage permits people to pick out a sum insured that fits their distinctive wants, starting from 5 lakh to 1 crore.

This product is poised to revolutionise the strategy people take to acquiring comprehensive health insurance. The coverage supplies clients with the pliability to tailor their insurance coverage protection via the inclusion of 5 elective add-on covers that align with their particular wants, finally granting them higher management over their insurance policies.

  • Unlimited computerized sum insured restoration: The chosen sum insured shall be replenished a limiteless variety of occasions, as much as a most of 100% every time. This renewed sum insured is out there to be used in subsequent hospitalisations. The restoration characteristic is activated upon partial or full utilisation of the protection restrict. The reinstated sum insured could be utilised for all claims, together with subsequent hospitalisations.
  • Cumulative bonus enhancement: Earn 50 % of the sum insured for each claim-free yr, with a most accumulation of as much as 600 % of the sum insured.
  • Room class adjustment: The insured particular person has the choice to improve or downgrade the room class from a non-public single AC room to any room or shared lodging.
  • Shortening of pre-existing illnesses ready interval: The insured particular person has the choice to lower the ready interval for pre-existing illnesses from 48 months to 36/24/12 months.
  • Inclusion of non-medical gadgets in protection: Normally excluded from insurance coverage protection, gadgets categorised as non-medical gadgets, falling below consumables, will turn into eligible for cost with this new elective cowl. This applies when there may be an admissible declare below the coverage for inpatient or day-care remedy.

Anand Roy, MD and CEO, Star Health and Allied Insurance Company stated, “Smart Health Pro embodies Star Health’s dedication to innovation, personalization, and accessibility. In right now’s dynamic world, medical insurance should adapt to particular person wants. This digital-first initiative not solely supplies complete protection but additionally empowers households to tailor their insurance policies with ease. We are bridging gaps, making medical insurance inclusive and user-friendly, particularly for the youth and rural communities. With Smart Health Pro, we’re not simply providing insurance coverage; we’re offering peace of thoughts, making certain everybody can entry high quality healthcare once they want it most. In an period the place the digital medium performs a pivotal function in our lives, we’re pleased to introduce a product particularly curated to satisfy the wants of India’s tech-savvy era.”

The product provides coverage options for both individuals and families, accommodating up to two adults and three children under the floater plan. This product guarantees comprehensive coverage for hospitalisation resulting from illnesses or accidents, encompassing AYUSH treatments, modern treatments, and home care treatment. The policy allows for mid-term inclusions, catering to newlyweds, newborns, and adopted children. Policyholders can benefit from 24×7 free telemedicine consultations offered by Star Health and can engage in wellness programs supervised by experienced medical professionals.

The key options of the Smart Health Pro insurance policy embody:

  • Available for individuals aged 18 to 50 years, with dependent children covered from a minimum of 18 years up to a maximum of 50 years.
  • Available sum insured options: 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore.
  • Covers in-patient hospitalisation, daycare treatment, road ambulance, pre & post-hospitalisation expenses, domiciliary hospitalisation, annual health check-ups, and homecare treatment.
  • Additional benefits include telehealth services and wellness services,
  • Automatic restoration of basic sum insured once by 100 percent upon exhaustion of the sum insured and no claim bonus during the policy period
  • Discount on renewal premium as insured individuals can enjoy a 10 percent discount for the first purchase and subsequent renewals.


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Updated: 16 Nov 2023, 07:00 PM IST

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