Health Smart Floater
Synopsis:
In addition to the usual mediclaim policies,Health smart offers a range of Services in case of unexpected medical emergencies.
Highlight:
- No sub-limits, No co-payment, No Room Rent Restrictions.
- Sum Insured: 7lacs & 10lacs
- Pre and Post hospitalisation coverage for 30 days & 60 days
- Buy 2 year plan and get 10% Additional Discount
- Claim Service Guarantee: ICICI Lombard guarantees on time claim service
- Policy Tenure Options: 1 year or 2 years available in the plans
- Lifetime Renewability: Covers maximum of 2 Adults and 3 Children providing life long renewal
- Wellness Program: Wellness program intends to promote, incentivize and reward You for Your healthy behavior through various wellness services
- Complimentary health check up coupons irrespective of claims (max 2 coupons per floater policy) havior through various wellness services
- Optional Cover Nursing at Home( 3,000/day per member up tomax. of 15 days) Compassionate Visit (up to 20,000 per member)
- Optional Cover Critical illness (as per Policy Sum Insured), Donor expenses(` 50,000 per member),Personal accident cover ( as per Policy SI)
- Maternity Cover (Normal Delivery: ` 25,000 & Caesarian: ` 50,000, New born baby cover: ` 10,000, Pre-Post Natal Expenses: ` 2,000 each- 3Yrs Waiting Period)
Benefit:
Title | Description |
|---|---|
| Room Rent Limit | Nursing at Home(` 3,000/day per member up to |
| ICU Daily Rent Limit | max. of 15 days) |
| Pre-Hospitalization Expenses | 30 days |
| Post Hospitalization Expenses | 60 days |
| Minimum Hospitalization Period | 24 Hours |
| Additional Cover for Critical Illness | Critical illness (as per Policy Sum Insured) |
| Automatic Restoration of Sum Insured | Reset Benefit (up to Sum Insured) |
| Pre-Existing Disease / Illness coverage | After 2 years |
| Waiting Period for New Policy | 2 Years |
| Co-Payment | No co-payment |
| Free Health Checkup | Complimentary health check up coupons irrespective of claims (max 2 coupons per floater policy) havior through various wellness services |
| Ambulance Expenses | Domestic Road Emergency Ambulance cover (` 1,500 per hospitalisation) |
| Non-Allopathic Treatments | In Patient AYUSH (up to Sum Insured) |
| Daily Hospitalization Allowance | Hospital Daily Cash (` 2,000/day) + Convalescence Benefit (Flat Rs 10,000) |
| Donor Expenses | Donor expenses(` 50,000 per member) |
| Nursing Allowance | Nursing at Home(` 3,000/day per member up to max. of 15 days) |