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Health Smart Individual
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In addition to the usual mediclaim policies,Health smart offers a range of Services in case of unexpected medical emergencies.


  • 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
  • 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)
Title Description
Additional Cover for Critical Illness Critical illness (as per Policy Sum Insured)
Ambulance Expenses Domestic Road Emergency Ambulance cover (` 1,500 per hospitalisation)
Automatic Restoration of Sum Insured Reset Benefit (up to Sum Insured)
Co-Payment No co-payment
Daily Hospitalization Allowance Hospital Daily Cash (` 2,000/day) + Convalescence Benefit (Flat Rs 10,000)
Donor Expenses Donor expenses(` 50,000 per member)
Minimum Hospitalization Period 24 hours
Non-Allopathic Treatments In Patient AYUSH (up to Sum Insured)
Nursing Allowance Nursing at Home(` 3,000/day per member up to max. of 15 days)
Post Hospitalization Expenses 60 days
Pre-Existing Disease / Illness coverage After 2 years
Pre-Hospitalization Expenses 30 days
Room Rent Limit No Room Rent Restrictions
Waiting Period for New Policy 2 years