Plan Details

Health Smart Individual Old
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In addition to the usual mediclaim policies,Health smart offers a range of Services in case of unexpected medical emergencies.


  • Covers for Medical expenses incurred by the Insured as an Outpatient.
  • Critical Illness cover up to 100% of sum insured for specified critical Illnesses.
  • Value Added Services such as Free health check-up coupon & Online Chat with Medical Practitioners.
  • Pre-existing diseases are Covered after 24 months.
  • Cumulative Bonus on Renewal for every Claim Free Year.
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 150 procedures covered
Additional Cover for Critical Illness Optional
Pre-Existing Disease / Illness coverage After 24 months
Waiting Period for New Policy 30 days
Medical Screening Above age 45 years
Free Health Checkup Yes
Ambulance Expenses Up to 1500 per hospitalization
Non-Allopathic Treatments Not covered
Daily Hospitalization Allowance Up to 2000 per day, Max 10 days
Donor Expenses Optional
Nursing Allowance Optional
No Claim Bonus Up to 10% per claim free year, Max 50%