ICICI Lombard Health Smart Insurance

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Coverage Type:
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Benefits

 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.

Coverage

Coverage Details:
  • Hospitalization Coverage: 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. 2,000 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.

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