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Last updated on: September 24, 2025
The Star Smart Health Pro Plan and Star Women Care Plan from Star Health Insurance cater to different audiences and needs. The Smart Health Pro Plan is a comprehensive health policy open to all individuals and families, offering extensive coverage for hospitalization, pre- and post-hospitalization, day care treatments, and additional benefits like wellness rewards, no sub-limits, and optional covers for critical illnesses and maternity. In contrast, the Star Women Care Plan is specifically tailored for women, covering not just hospitalization but also maternity expenses, newborn care, and certain women-specific illnesses, along with unique features like fertility-related coverage and preventive health check-ups. While Smart Health Pro Plan is ideal for broad, flexible protection for all, the Women Care Plan is better suited for women seeking targeted cover for maternity and women’s health needs. The choice depends on personal health priorities and stage of life.
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The selection of the optimal health insurance is one of the major decisions among individuals and families in India. New types of specialty medical insurance such as the Star Smart Health Pro Plan, Star Women Care Plan, have gained popularity in recent years as offering more specific coverage. When you are seeking an analogy of these two policies, you need to know how each of the plans suits your individual healthcare requirements, particularly in 2025 with customization, digital healthcare, and benefits with women considerations becoming even more pertinent.
To make a choice, it is worthwhile to consider the key highlights, differences, and determinants of Star Smart Health Pro Plan vs. Star Women Care Plan.
Star Smart Health Pro Plan is a health insurance program that was launched to provide people and families with an all-inclusive medical plan. It has been updated with the features that are applicable in 2025, with a broad scope of medical costs, cashless care at a massive network of hospitals, and additional benefits such as wellness benefits. This is in an effort to take care of as many individuals as possible against unforeseen medical costs regardless of their gender.
The Star Women Care Plan is a special health insurance that is targeted at women. It includes different conditions and medical requirements of women that other plans might not cover. This plan meets the special medical requirements of women at various life stages as it has some advantages like maternity, newborn baby, and critical illnesses that are specific to women.
Did you know?
By 2025, more insurers will be providing teleconsultations and preventive care as the standard, especially to women, because of the increasing significance of early detection and regular screening.
Expert insight:
The reason why women-specific plans are being emphasized by insurers is due to the growing awareness that the healthcare needs of women needed specialized coverage, particularly in regard to those illnesses that are not commonly covered by the standard health insurance.
| Employee Benefit | Smart Health Pro Plan | Women Care Plan |
|---|---|---|
| Eligible person | Any gender, any age | Only female (18-65 years) |
| Family floater | Yes | Restricted (female and dependent kids) |
| Maternity and infant cover | Limited/add-on | In-built, comprehensive. |
| Sum Insured (2025) | Rs. 5 lakhs to 1 crore | Rs. 5 lakhs to 50 lakhs |
| Critical illness | General, not female specific | Critical cover, female specific. |
| Telemedicine | Yes | Yes; women specific. |
| Preventive health examination | General | Women centric (with screening) |
| Premium (Indicative yearly) | Above Rs. 7500 onward | Above Rs. 6000 onwards |
| Maternity waiting period | 2-4 years (addon) | 9-12 months to 2-years. |
Star Smart Health Pro Plan suits:
Star Women Care Plan is recommended to:
A: You may only have one policy with the same insured individual but with a family you would have both policies say the wife has Women Care and all the other people are on Smart health Pro.
A: In both plans, pre-existing diseases are covered, with a waiting period (typically 2 4 years) according to updated IRDAI guidelines in 2025.
Both policies will take care of the hospitalisation charges which are the room rates, the ICU bills, physicians bills, surgical bills, medication expenses and diagnostic procedures. The Smart Health Pro Plan has increased sum insured benefits and Women Care is dedicated to cover maternity related hospital bills and some women health procedures.
Star Smart Health Pro Plan 2025 covers until 90 days before and 180 days after hospitalization. Star Women Care Plan tends to offer the same length of cover but will include special postnatal and newborn care services.
These two policies address advanced daycare care not in the full 24 hour admission. Smart Health Pro has a broader scope of modernized treatment including cyber knife, robot surgeries, and stem cell therapy, and can be attractive to people having interest in the newest innovation.
A: There are variants that provide limited coverage on certain fertility procedures, however, there is a cap on coverage and wait.
Wellness and preventive care functions are now a necessity and not a luxury. Both plans have the option to receive such benefits as free medical visits (telemedicine), medicines discounts, health examinations, and vaccination notifications. Women Care Plan also includes more screening, gynecology visits and lactation counseling.
Did you know?
By 2025, a greater number of policyholders will be able to monitor wellness points with the help of a mobile app, which can be used to receive a discount on the premium or additional benefits.
The prices of the premiums will differ according to age, family size, amount of coverage, and the location of residence. As a 30-year-old person, the indicative premiums that he/she can anticipate in 2025 are:
Take into consideration though that the maternity benefit offered by Smart Health Pro Plan can be an addon, which will cost them an additional Rs. 2000-5000/p.a.
Policies portability is significant with a larger number of individuals changing jobs and cities. Both the plans allow the policyholders to transfer their policy to another provider according to the IRDAI regulations. The Smart Health Pro is also flexible to convert individual to family floater insurance at the time of renewal.
A: Yes, one may transfer off one plan into another, as long as underwriting approves of it and continuity requirements limits include waiting periods.
There are certain exclusions in every health plan. In the two plans, common exclusions are:
Expert insight:
Never leave out the exclusions. To take an example, although Star Women Care Plan is complete maternity cover, surrogacy treatments, or voluntary abortions might not be part of it.
The claims can be made in cashless in the network hospitals or be reimbursed in non network hospitals. Digital filing of claims is in favour in 2025 and approvals are usually made in 24 hours.
A: Both the plans include AYUSH treatments but with a given limitation and restricted to hospitalization and not OPD.
Both policies have provided multilingual 24x7 helplines, 24x7 WhatsApp services, mobile applications to claim and follow up on wellness, extensive network of hospitals in the country.
Did you know?
The two plans have increased their hospital network to more than 14000 facilities in 2025 rendering easy access of cashless treatment in all but the hardest to reach parts of India.
When you are a woman looking at maternity and holistic women health cover then the Star Women Care Plan would be more suited to your needs and would mostly have better value. Star Smart Health Pro Plan is a better plan to use in case the family needs to have more options on the sum insured or tech advanced medical procedures as well as covering all the family members including the elderly parents.
A: The Star Women Care Plan is generally less expensive to cover similar sum insured annually due to concentrations of benefits.
A: Yes, the payments of premiums made in either plan can be deductible in Income Tax Act Section 80D.
A: Both typically offer lifelong renewal, providing no major break in policy and provided there is a timely payment of the premium.
A: No, Women Care Plan is limited to female lives only whereas Smart Health Pro covers all.
A: The two plans can provide limited OPD cover; mostly in the form of add ons or wellness features.
A: Star Health has a claim settlement ratio of more than 98 percent in the last one year, according to the recent IRDAI data, which shows that it has efficient service.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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