Useful Information


TPA Information

Health Smart Individual


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)


Room Rent Limit
No Room Rent Restrictions
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
No co-payment
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)