Smart Health Essential Insurance Floater
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A smart first step to reduce financial burden arising out of hospitalization, Smart Health Essential Policy helps to lighten your load and Avoid unnecessary anxiety in the unfortunate event of hospitalisation of you and/or your dependent family.


  • Double the Sum Insured in case of ICU Admission, max. upto 5 days.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Payment of daily cash allowance, for the days of hospitalization, during the policy period beyond a specified number of days.
  • Benefit applicable irrespective of the number of times of hospitalisation, subject to S.I Available.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
Title Description
Room Rent Limit Upto S.I
ICU Daily Rent Limit Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)
Pre-Hospitalization Expenses Not specified
Post Hospitalization Expenses Not specified
Minimum Hospitalization Period 24 Hrs
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 Days
Medical Screening Between 56 to 65 yrs of age.
Daily Hospitalization Allowance Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)Double Cash Benefit ( For Plan B & C, in case of ICU Admission)
No Claim Bonus 5%, max. upto 25%