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ICICI Lombard Health Smart

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Coverage type
    OR age      years

Key highlights

  • 2 years of waiting period for pre-existing disease.
  • Above 45 years of age medical test is compulsory.
  • Both Individual & Floater Options are available in this Plan.
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  • Benefits
  • Coverage
  • Plan details
In-patient Treatment: Covers hospital expenses for admission longer than 24 hours.

Day Care Procedure: Medical expenses for day care procedures where such procedures are undertaken by an Insured Person as an In-patient in a hospital for continuous period of less than 24 hours.

Pre and Post Hospitalisation Expenses: Medical Expenses incurred due to illness up to 30 days period immediately before and 60 days immediately after an Insured Person's admission to a hospital.

Domestic Road Emergency Ambulance Cover: Ambulance expenses incurred to transfer the Insured Person following an emergency to the nearest hospital. Maximum amount payable is Rs 1500 per event of emergency hospitalisation.

Maternity Benefit: Medical expenses for the delivery of a child, where Insured Person and spouse, both are covered, after a waiting period of 3 years, subject to the following sub-limits: Normal Delivery Rs. 25,000 / Cesarean delivery Rs. 50,000

Outpatient Treatment Cover: Medical expenses incurred as an Out-patient. Out-patient will mean the insured patient who is not hospitalized for more than 24 consecutive hours but who visits a Hospital, clinic, or associated facility for diagnosis or treatment..

Hospital Daily Cash: of Rs. 2,000 per day for hospital stay of minimum 3 days or more up to a maximum of 10 days.

Wellness & Preventive Healthcare: Expense incurred on routine health check-ups and for other wellness and fitness activities undertaken by Insured person

Convalescence Benefit: of Rs. 10,000 provided once for each Policy year during policy period, in case of hospitalisation of 10 days or more.

  • Hospitalization Cover (Family) 7/10Lakhs.
  • Maternity Benefit (Normal+Cesarean Deliver/Pre-Post Natal(Rs. 2000 each)/ new Born Baby Cover upto Rs. 10,000 from day 1 to 91 days) Waiting Period for Maternity Benefit is 3 years Normal Delivery upto Rs. 25,000, Cesarean Delivery upto Rs. 50,000.
  • OutPatient Treatment Cover + Wellness & Preventive Health Care Rs. 10,000 (Floater).
  • Domestic Road Emergency Ambulance Upto Rs. 1,500 per Incident
  • Hospital Daily Cash (for max. 10 days with 3 days deductible) Rs. 2000 per day per insured.
  • Convalescence Rs. 10,000 per insured

Add on benefit:

  • Nursing at home(max 15days) Rs.3000 per day (per member).
  • Compassionate visit Up to Rs.20,000 (per member).
  • Critical Illness Cover Equals to Policy Sum Insured.
  • Donor Expenses Upto Rs. 50,000 per member.
  • Personal Accident Equals to Policy Sum Insured.
*Minimum age of 21 years & Maximum limit of 60 years/Maximum for 2 Adults.

Mandatory covers Hospitalisation+In patient+Ayush+Domestic road emergency ambulance cover+2 years PED+Maternity+New born baby cover+OPD+HDC+Convalescence benefit+Reset benefit+Wellness program
Sum Insured 7,10 lakhs
Sub Limit(OPtional) Not Available
Optional Add covers * Compassionate Visit+Nursing at home Critical illness+Donor Expenses+Personal Accident cover

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