Health Smart Plus Individual
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A Complete Health Insurance Plan Which Cover hospital expenses and other costs incurred.


  • No sub-limits, No co-payment, No Room Rent Restrictions
  • Sum Insured: 15, 20, 30 & 50lacs
  • Pre and Post hospitalisation coverage for 30 days & 60 days
  • Buy 2 year plan and get 10% Additional Discount
  • Claim Service Guarantee: ICICI Lombard guarantees on time claim service
  • Policy Tenure Options: 1 year or 2 years available in the plans
  • Lifetime Renewability: Covers maximum of 2 Adults and 3 Children providing life long renewal
  • Wellness Program: Wellness program intends to promote, incentivize and reward You for Your healthy behavior through various wellness services
  • Maternity Cover (Normal Delivery: Rs 25,000 & Caesarian: Rs 50,000), New born baby cover: Rs 1,00,000, Pre-Post Natal Expenses: Rs 2,000 each- 3Yrs Waiting Period)
  • Outpatient treatment cover, Wellness & preventive healthcare( Rs 20,000)
Title Description
Room Rent Limit No Room Rent Restrictions
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 hours
Additional Cover for Critical Illness Critical illness ( 50% of SI)
Automatic Restoration of Sum Insured Reset Benefit (up to Sum Insured)
Pre-Existing Disease / Illness coverage After 2 years
Waiting Period for New Policy 2 years
Co-Payment No co-payment
Ambulance Expenses Domestic Road Emergency Ambulance cover (Rs 1,500 per hospitalisation)
Non-Allopathic Treatments In Patient AYUSH (up to Sum Insured)
New Born Baby Cover Rs 1,00,000
Daily Hospitalization Allowance Hospital Daily Cash ( Rs 3,000/day) + Convalescence Benefit ( flat Rs 10,000)
Donor Expenses Donor expenses( upto Rs 50,000 per member)
Nursing Allowance Nursing at Home( Rs 3,000/day per member up to max. of 15 days)