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
Additional Cover for Critical Illness Optional
Ambulance Expenses Up to 1500 per hospitalization
Daily Hospitalization Allowance Up to 2000 per day, Max 10 days
Day Care Procedure Coverage 150 procedures covered
Donor Expenses Optional
Free Health Checkup Yes
ICU Daily Rent Limit No Limit
Medical Screening Above age 45 years
Minimum Hospitalization Period 24 Hrs
No Claim Bonus Up to 10% per claim free year, Max 50%
Non-Allopathic Treatments Not covered
Nursing Allowance Optional
Post Hospitalization Expenses 60 days
Pre-Existing Disease / Illness coverage After 24 months
Pre-Hospitalization Expenses 30 days
Room Rent Limit No Limit
Waiting Period for New Policy 30 days