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


  • Expenses covered for routine health check-ups and wellness and fitness activities undertaken by insured.
  • New Born Baby Cover for a period of 91 days.
  • Expenses covered for the medical services of a Qualified Nurse at Your residence.
  • Free health check-up coupon to insured for every Policy Year.
  • Personal Accident Cover up to sum insured.
  • Pre-existing diseases are Covered after 24 months of continuous coverage.
  • Renewal Benefits such as cumulative bonus provided on each renewal.
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 150 procedures covered
Additional Cover for Critical Illness Optional
Pre-Existing Disease / Illness coverage After 24 months
Waiting Period for New Policy 30 days
Medical Screening Above age 45 years
Free Health Checkup Yes
Ambulance Expenses Up to 1500 per hospitalization
Non-Allopathic Treatments Not covered
Daily Hospitalization Allowance Up to 3000 per day, Max 10 days
Donor Expenses Optional
Nursing Allowance Up to 3000 per day, Max 10 days
No Claim Bonus Up to 10% per claim free year, Max 50%