In addition to the usual mediclaim policies,Health smart offers a range of Services in case of unexpected medical emergencies.
Title |
Description |
Additional Cover for Critical Illness |
Critical illness (as per Policy Sum Insured) |
Ambulance Expenses |
Domestic Road Emergency Ambulance cover (` 1,500 per hospitalisation) |
Automatic Restoration of Sum Insured |
Reset Benefit (up to Sum Insured) |
Co-Payment |
No co-payment |
Daily Hospitalization Allowance |
Hospital Daily Cash (` 2,000/day) + Convalescence Benefit (Flat Rs 10,000) |
Donor Expenses |
Donor expenses(` 50,000 per member) |
Minimum Hospitalization Period |
24 hours |
Non-Allopathic Treatments |
In Patient AYUSH (up to Sum Insured) |
Nursing Allowance |
Nursing at Home(` 3,000/day per member up to max. of 15 days) |
Post Hospitalization Expenses |
60 days |
Pre-Existing Disease / Illness coverage |
After 2 years |
Pre-Hospitalization Expenses |
30 days |
Room Rent Limit |
No Room Rent Restrictions |
Waiting Period for New Policy |
2 years |