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Last updated on: September 24, 2025
When comparing the Star Smart Health Pro Plan and Tata AIG Global Combo Plan, both cater to comprehensive health insurance needs but with key differences. The Star Smart Health Pro Plan chiefly offers extensive coverage for hospitalization, pre-and post-hospitalization expenses, and a focus on domestic healthcare with additional wellness benefits. In contrast, Tata AIG Global Combo Plan provides broader global protection including health, travel, and personal accident coverage, making it suitable for frequent international travelers. While Star emphasizes flexible sum insured options and wellness features, Tata AIG’s combo plan stands out for its international reach and bundled covers. Choosing between them depends on whether you prioritize domestic health coverage and wellness (Star) or want an all-in-one plan with global protection and travel benefits (Tata AIG).
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When it comes to the selection of the appropriate health insurance plan in the year 2025, premiums are not the only point of comparison. Both the Star Smart Health Pro Plan and Tata AIG Global Combo Plan are focused on providing extensive medical coverage, but they apply to different medical, lifestyle, and travel requirements. At this new-age healthcare climate, it has become significant to choose a plan that guarantees coverage in both domestic and international crises.
Being a combination of regular and international medical treatment benefits, these insurance plans by renowned Indian insurers are very appealing to families, working individuals, and frequent travellers. It can save you the hustle and cost in the future by knowing which plan can fit your needs, budget on premium and the hospitals of your choice.
Star Smart Health Pro Plan offered by Star Health is aimed at those policyholders who would like to be covered in the cases of modern treatments, day care procedures, and major medical events in India. The plan provides extensive assortment of add-ons, wellness and easy settlement of claims.
Did you know?
Most policyholders cited the claim settlement speed and coverage of new age treatment plans as their highest criteria in selecting health plans according to a May 2025 survey by IRDAI.
Tata AIG Global Combo Plan is designed to provide insurance to people who travel very often, expatriate professionals as well as families that require both Indian and international health insurance in a single plan.
People also ask:
Is it possible to claim abroad with Tata AIG Global Combo Plan? Yes, emergency and planned overseas treatments claims are allowed by the plan, under the conditions of the policy.
Did you know?
Star Health belonged to top three Indian private health insurers in terms of settled claims and market share as of February 2025, and Tata AIG dominated international travel policies (IRDAI report).
The most effective way of seeing the differences would be through a comprehensive comparison table, which would be based on the most important criteria that will be valued in 2025.
| Characteristic | Star Smart Health Pro Plan | Tata AIG Global Combo Plan. |
|---|---|---|
| Sum Insured (Rs.) | 5 lakh to 1 crore | 25 lakh to 2 crore |
| Global Medical Cover | No (Indian hospitals only) | Yes (global, according to policy) |
| Post Pre Hospitalization | 60 90 days | 60 90 days |
| Daycare Procedures | 600 | 700+ |
| Cashless Network | 14,000 India hospitals 9,500 India 5,700 foreign. | |
| Maternity Cover | Add on (waiting period) | Add on (zero waiting, select) |
| Coverage for AYUSH | Yes | No |
| Domiciliary Treatment | Yes | Yes. |
| Policy Term | 1 2 3 years | 1 or 2 years |
| Travel Baggage Cover | No | Yes |
| Premium Estimate (30yrs old) | Rs. 7,500-15000 pa | Rs. 2000-35000 pa |
| Telemedicine | Yes (India only) Yes (India and abroad) | |
| Claim Settlement Time | 90 percent in 2 weeks (2025 est.) | 96 percent in 1 Week (2025 est.) |
| Inclusion of NRIs | Yes (When staying in India) | Yes (Visiting or staying in India) |
| Wellness Points | Yes | Yes |
People also ask:
Which is cheaper between a healthy family of four with children under the age of 45 years?
Generally, Star Smart Health Pro Plan is cheaper to choose cover only in India as compared to Tata AIG Global Combo Plan which is expensive because of worldwide inclusions.
These two plans will be dependent on the lifestyle, family set up, and frequent pattern of travels. The following are examples of the common cases:
Expert insight:
According to Dr. Anjali P., a health finance consultant based in Mumbai, combined Indian and overseas medical insurance is getting more and more popular among global professionals in the year 2025. People who do not travel frequently are still sweeping with domestic high coverage plans.
Yes, both the plans have normal exclusions and waiting on the basis of IRDAI.
People also ask:
Is it possible to make a transition between an Indian-only plan and a global one in the future?
Yes, they both have the portability or migration option during a renewal but with different conditions.
Did you know?
According to the Insurance India Journal, almost 32 percent of Indian health insurance policies were being renewed or claimed using the mobile apps as of March 2025.
The two plans do not only cover hospitalization.
The two plans also encompass mental health consultations of certain variants, which is becoming a necessity in 2025.
People also ask:
Does it cover COVID 19 and specialized viral in 2025?
No, the two plans still cover hospitalization as a result of pandemic diseases. Normal waiting time is charged, unless otherwise.
Q: Does it have an international hospitalisation plan at no additional cost?
A: The Tata AIG Global Combo Plan offers the feature of global hospitalization coverage in its basic terms; Star Smart Health Pro does not.
Q: Is it possible to port my current health policy to any of them?
A: Yes, porting is accepted by both the insurers according to the IRDAI guidelines provided the policies undergo underwriting.
Q: Does pre and post hospitalization cost is cashless?
A: It can be cashless when at the hospitals of the network of the insurer, and it requires preauthorization.
Q: Which is the most comprehensive plan in terms of coverage among the elderly citizens?
A: Star Health is providing elderly friendly terms to elderly citizens living in India; the premiums given by Tata AIG on the old age groups might be more.
Q: What to do to claim in case of hospitalisation in a foreign country in Tata AIG plan?
A: Call global assistance hotline of Tata AIG or file a claim through online portal to cashless hospitalization or reimbursement claim.
Q: Do the two plans permit lifelong renewal?
A: Yes, according to IRDAI, both plans are life long renewable provided the premiums are paid at the right time.
Q: What is the most effective plan of those who want to stay in the USA or Europe long term?
A: Tata AIG Global Combo Plan is specifically designed to meet such requirements with inherent global networks and currency claim provision.
Q What is the coverage of preventive vaccines in Star Smart Health Pro Plan?
A: It extends to vaccines under the hospitalization, however, regular immunizations might require extra riders.
Q: Does the NRI family get to have the two plans simultaneously?
A: Yes, families that have various members who require different coverage can purchase both, assuming they are eligible.
Q: Does it include dental or cosmetic treatment?
A: Simple dental or cosmetic procedures are not included as a matter of rule except in case of accidents and based on the type of plan.
How could we improve this article?
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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