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Smart Health Essential Insurance Individual
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A smart first step to reduce financial burden arising out of hospitalization, Smart Health Essential Policy helps to lighten your load and Avoid unnecessary anxiety in the unfortunate event of hospitalisation.


  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Double the Sum Insured in case of ICU Admission, max. upto 5 days.
  • Payment of daily cash allowance, for the days of hospitalization, during the policy period beyond a specified number of days.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
  • Benefit applicable irrespective of the number of times of hospitalisation, subject to S.I Available.
Title Description
Room Rent Limit Upto S.I
ICU Daily Rent Limit Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)
Pre-Hospitalization Expenses Not specified
Post Hospitalization Expenses Not specified
Minimum Hospitalization Period 24 Hrs
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 Days
Medical Screening Between 56 to 65 yrs of age.
Daily Hospitalization Allowance Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)Double Cash Benefit ( For Plan B & C, in case of ICU Admission)
No Claim Bonus 5%, max. upto 25%