ICICI Lombard Health Smart Plus

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bajaj-allianz health insurance

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.

ICICI Lombard Health Smart Plus Benefits 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. 3,000 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): 15/20/30/50Lakhs.
    • 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.
    • Nursing at Home max(15 days): Rs. 3000 day per insured.
    • Compassionate Visit: Rs upto Rs. 20,000 per insured.
    • OutPatient Treatment Cover + Wellness & Preventive Health Care: Rs. 20,000 (Floater).
    • Domestic Road Emergency Ambulance: Upto Rs. 1,500 per Incident.
    • Hospital Daily Cash (for max. 10 days with 3 days deductible): Rs. 3,000 per day per insured..
    • Convalescence: Rs. 10,000 per insured.
    • Medical Evacuation Cover: Up to Rs. 50,000 per member.

    Add on benefit:

    • Critical Illness Cover: Equals to 50% of policy Sum Insured.
    • Donor Expenses: Up to 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+Compassionate visit+Medical evacuation cover
    Sum Insured 15,20,30,50 lakhs
    Sub Limit(OPtional) Not Available
    Optional Add covers * Critical illness+Donor Expenses+Personal Accident cover