Star Health Launches Smart Health Pro: A Digital, Customisable Insurance Option

Star Health and Allied Insurance has launched Smart Health Pro, an exclusively digital health insurance policy allowing customers to customize coverage with five optional add-on covers. Catering to India's digitally inclined population, the policy lets individuals choose a sum insured from Rs 5 lakh to Rs 1 crore. 

The innovative features include unlimited automatic sum insured restoration, cumulative bonus enhancement, room category adjustment, shortened waiting period for pre-existing diseases and inclusion of non-medical items in coverage. 

Anand Roy, MD and CEO of Star Health, emphasises the product's adaptability, personalisation and accessibility, addressing the diverse needs of policyholders. The policy covers individuals and families, offering comprehensive coverage for hospitalisation, AYUSH treatments, modern treatments and home care. 

Key features include coverage for in-patient hospitalisation, daycare treatment, road ambulance, pre & post-hospitalisation expenses, domiciliary hospitalisation, annual health check-ups and home care treatment. The policy also provides telehealth services, wellness services, automatic restoration of the basic sum insured and a renewal premium discount. 

The product targets individuals aged 18 to 50 years, covering dependent children from 18 to 50 years, with various sum insured options and discounts on renewal premiums.