Useful Information


TPA Information

Smart Health Essential Insurance Individual


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
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%