| BENEFIT STRUCTURE - SmartHealth Insurance- Basic & Premium Plans | ||||
| Section | Benefits | Basic | Premium | |
| 1 | a. Hospitalisation (Subject to room rent limit)* |
Rs. 2,00,000 |
Rs. 3,00,000 |
|
| b. Coverage of
pre-existing diseases (Upto sum insured) |
 |
|
||
| c. Pre-Hospitalisation
for a period of (Upto Sum Insured) |
30 days | 45 days | ||
| d. Post-Hospitalisation
for a period of 60 days (Upto Sum Insured) |
|
|
||
| 2 | Day Care Treatment (Upto Sum Insured) |
|
|
|
| 3 | Domiciliary Treatment | Rs. 20,000 | Rs. 30,000 | |
| 4 | Hospital Cash Allowance (after first 3 days ) |
Rs. 200 per day (for 10 days) |
Rs. 250 per day (for 15 days) |
|
| 5 | Home Nursing (For 10 days after first 3 days ) |
 |
Rs. 200 per day | |
| 6 | Ambulance Charges | Rs. 1,500 | Rs. 2,000 | |
| 7 | Inpatient Physiotherapy | |
Rs. 3,000 | |
| 8 | Accompanying Person Expenses (For 5 days after first 3 days) |
Rs. 250 per day | Rs. 250 per day | |
| 9 | Parent Accommodation as
Companion for Child (For 10 days after first 3 days) |
|
Rs. 250 per day | |
| * | Basic - Normal hospitalisation - Rs. 2,000 ; Intensive Care Unit(ICU)/Critical Care Unit (CCU) Rs. 3,000 per day | |||
| Premium - Normal hospitalisation - Rs. 3,000 ; Intensive Care Unit(ICU)/Critical Care Unit (CCU) Rs. 4,500 per day | ||||