Useful Information


TPA Information

Health Smart Plus Individual Old


A Complete Health Insurance Plan Which Cover hospital expenses and other costs incurred.


  • Expenses covered for routine health check-ups and wellness and fitness activities undertaken by insured.
  • New Born Baby Cover for a period of 91 days.
  • Expenses covered for the medical services of a Qualified Nurse at Your residence.
  • Free health check-up coupon to insured for every Policy Year.
  • Personal Accident Cover up to sum insured.
  • Pre-existing diseases are Covered after 24 months of continuous coverage.
  • Renewal Benefits such as cumulative bonus provided on each renewal.


Room Rent Limit
No Limit
ICU Daily Rent Limit
No Limit
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
150 procedures covered
Additional Cover for Critical Illness
Pre-Existing Disease / Illness coverage
After 24 months
Waiting Period for New Policy
30 days
Medical Screening
Above age 45 years
Free Health Checkup
Ambulance Expenses
Up to 1500 per hospitalization
Non-Allopathic Treatments
Not covered
Daily Hospitalization Allowance
Up to 3000 per day, Max 10 days
Donor Expenses
Nursing Allowance
Up to 3000 per day, Max 10 days
No Claim Bonus
Up to 10% per claim free year, Max 50%