| Post Hospitalization Expenses |
60 Days |
| Minimum Hospitalization Period |
24 Hrs |
| Day Care Procedure Coverage |
Upto Sum Insured. 541 Procedures covered. |
| Automatic Restoration of Sum Insured |
Upto sum Insured, once a year. |
| Pre-Existing Disease / Illness coverage |
Pre existing diseases are covered after 4 years of continued coverage. |
| Waiting Period for New Policy |
4 years for Preexisting diseas. 2 Years for named ailments. 30 days for any other illness except injury. |
| Co-Payment |
20% co payment. 20% Addtional in case of treatment outside of Smart Select Hospitals. |
| Room Rent Limit |
1% Sum Insured per day For Sum Insured Of RS 3 Lakh. For Sum Insured of 5,7,10 Lakh single private AC room (Max upto 1% Sum Insured per day) |
| Medical Screening |
Pre-policy Medical Check-up not required. |
| Free Health Checkup |
Every year for all insured members. |
| Daily Hospitalization Allowance |
For Sum Insure of Rs 3 Lakh, Rs 500/day for max 5 days. Not availble of other sum insured. |
| Attendant Allowance |
Up to Rs 50000 for Sum insured Rs 3Lakh. Upto Rs 100000 for all other sum insured. |
| No Claim Bonus |
Upto 150% with optional cover NCB Super. |
| ICU Daily Rent Limit |
2% SUm Insured per day |
| Pre-Hospitalization Expenses |
30 Days |
