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.
Room Rent Limit
ICU Daily Rent Limit
Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)
Post Hospitalization Expenses
Minimum Hospitalization Period
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
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)