| Sum insured |
Smart Super health Insurance Plan
| 5 Lakh |
7 Lakh |
10 Lakh |
15 Lakh |
20 Lakh |
20L |
30L |
50L |
60L |
70L |
80L |
90L |
100L |
|
Smart health Insurance Plan
|
| Room Rent (per day) |
Upto SI. No Cap
Upto SI. No Cap
Upto SI. No Cap
|
As per the plan opted, for complete details, refer policy wordings |
| Pre-Hospitalisation |
Upto SI - 60 days
Upto SI - 60 days
Upto SI - 60 days
|
Up to SI for 30 - 40 Days, please refer to the policy wordings. |
| Post Hospitalization |
Upto SI - 90 days
Upto SI - 90 days
Upto SI - 90 days
|
Upto SI - 60 days |
| Restoration of Sum Insured |
Upto 100% of S.I
Upto 100% of S.I
Upto 100% of S.I
|
NA |
| Day Care Treatment |
Upto SI
Upto SI
Upto SI
|
Upto SI |
| AYUSH Treatment |
Upto SI
Upto SI
Upto SI
|
Upto SI |
| Domiciliary Hospitalization |
Upto SI
Upto SI
Upto SI
|
10% of Sum Insured |
Maternity Benefit (Optional)
Maternity benefit with 9 month waiting period, upto first 2 deliveries/MTP in lifetime ( available only with 3 yr. policy term) New Born Baby for first 90 days
|
Rs.35,000 - Maternity
Rs.25,000-New Born
Rs.50,000 - Maternity
Rs.50,000 - New Born
Rs.75,000 - Maternity
Rs.75,000 - New Born
Rs.1,00,000 - Maternity
Rs.1,00,000 - New Born
|
NA |
| Domestic air ambulance
max once in a policy year / per life
|
Not Available
Not Available
upto Rs. 1,00,000
upto Rs. 2,00,000
|
NA |
| Emergency Surface Ambulance Charges |
Rs.3000/event
Rs.3000/event
Rs.3000/event
|
|
| Organ Donor |
Upto SI
covered in all cases, as per Indian Organ Donor Transplantation Act
Upto SI
covered in all cases, as per Indian Organ Donor Transplantation Act
Upto SI
covered in all cases, as per Indian Organ Donor Transplantation Act
|
| 10% of SI
This is over and above the Original SI
|
15% of SI
This is over and above the Original SI
|
10% of SI
This is over and above the Original SI
|
| Available In case of critical illness |
|
| Convalescence Benefit |
Not Available
Rs.10,000
( on continues 10 days hospitalization or more)
Rs.15,000
Rs.20,000
( on continues 10 days hospitalization or more)
|
NA
|
| Out-patient Dental Emergency Treatment:(Accidents only) |
Not Available
Not Available
Rs.5,000
Rs.7,500
|
NA |
| Out-patient Emergency Treatment for Accidents |
Not Available
Rs.2,500
Rs.10,000
|
NA |
| Animal bite ( Vaccination) |
Not Available
Rs.2,500
Rs.5,000
|
NA |
| No Claim Bonus |
As per annexure below
As per annexure below
As per annexure below
|
Renewal discount of 5% upto 25% |
| Health Check-up |
Annual - Basic
Annual - extended
Annual - comprehensive
|
Once in block of 4 years |
| Critical Illness (Add On) |
Critical illness sum insured opted should not be more than the sum insured
This is under In-patient Treatment section, Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.
Critical illness sum insured opted should not be more than the sum insured
This is under In-patient Treatment section, Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.
Critical illness sum insured opted should not be more than the sum insured
This is under In-patient Treatment section, Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.
|
Additional 100% SI on hospitalisation expenses |
| Basis of payment |
Lump sum benefit for critical illnesses
This is over and above the S.I
Lump sum benefit for critical illnesses
This is over and above the S.I
Lump sum benefit for critical illnesses
This is over and above the S.I
|
Reimbursement |
| Hospital Cash Allowance (Add On) |
Option of Rs.500 , 1000 / day
Maximum 30 days - deductible 1 day
Hospital Cash allowance if opted has to be opted for all Insured/Insured person(s) in a Policy with common limit for Insured/Insured person(s)
Option of Rs.500,1000,2000 / day
Maximum 30 days - deductible 1 day
Hospital Cash allowance if opted has to be opted for all Insured/Insured person(s) in a Policy with common limit for Insured/Insured person(s)
Option of Rs.500, 1000,2000,3000 / day
Maximum 30 days - deductible 1 day
Hospital Cash allowance if opted has to be opted for all Insured/Insured person(s) in a Policy with common limit for Insured/Insured person(s)
|
| Rs 250 per day
10 Days - deductible 3 days
|
Rs 350 per day
15 Days - deductible 3 days
|
Rs 350 per day
10 Days - deductible 3 days
|
|
| Home Nursing
10 days - 3 days deductible
|
Not Covered in this policy
Not Covered in this policy
Not Covered in this policy
|
|
| Inpatient Physiotherapy |
Not Covered in this policy
Not Covered in this policy
Not Covered in this policy
|
|
| Accompanying Person Expenses |
Not Covered in this policy
Not Covered in this policy
Not Covered in this policy
|
Rs 250 for 5 days after first three days |
| Parent Accommodation as Companion for Child: |
Not Covered in this policy
Not Covered in this policy
Not Covered in this policy
|
| NA |
Rs 250
For 10 days after first three days
|
NA |
|
| Dread disease Recuperation Benefit in case of critical illness |
Not Covered in this policy
Not Covered in this policy
Not Covered in this policy
|
| Rs 200 per day
for a max of 45 days
|
Rs 300 per day
for a max of 45 days
|
Rs 200 per day
for a max of 45 days
|
|
