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Health Smart Individual

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Synopsis:

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

Highlight:

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)

Benefit:

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

Disclaimer of Warranties

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What Information is, or may be, collected from you?

We will collect certain anonymous information in standard usage logs through our Web server, including: computer-identification information obtained from "cookies," sent to your browser from a

web server and stored on your hard drive
an IP address, assigned to the computer which you use
the domain server through which you access our service
the type of computer you're using
the type of web browser you're using

We may collect the following personally identifiable information about you:

name
email address
ZIP/Postal code
demographic profile (like your age, gender,occupation and education);
financial information (like annual income or insurance policy number); and
opinions of features on our websites.

Who collects the information?

We will collect anonymous traffic information from you when you visit our site

We will collect personally identifiable information about you only as part of a voluntary registration process.

Our advertisers may collect anonymous traffic information from their own assigned cookies to your browser

The Site contains links to other Web sites. We are not responsible for the privacy practices of such Web sites

We offer a collection of online services which are available to you. Please understand that any information that is disclosed in these areas becomes public information. We have no control over its use and you should exercise caution when disclosing your personal information to anyone

How's the information used?

We use personal information to:

help us provide personalized features
tailor our sites to your interest
get in touch with you when necessary

We use contact information internally to:

direct our efforts for product improvement
contact you as a survey respondent
notify you if you win any contest; and
send you promotional materials

Generally, we use anonymous traffic information to:

remind us of who you are in order to deliver to you a better and more personalized service from both an advertising and an editorial perspective
recognize your access privileges to our Web sites
make sure that you don't see the same ad repeatedly
help diagnose problems with our server
administer our Web sites
track your session so that we can understand better how people use our sites

With whom will your information be shared?

We will not disclose any of your personally identifiable information to third parties unless:

we have your permission
special circumstances such as compliance with legal authorities
require disclosure

We will not use your financial information for any purpose other than to provide services to you.

What choices are available to you regarding collection, use and distribution of your information?

Supplying personally identifiable information is entirely voluntary. You are not required to register with us in order to use our site. However, we offer some services only to visitors who do register.

Upon request, we will remove your personally identifiable information from our database, thereby canceling your registration.

If we plan to use your personally identifiable information for any commercial purposes, we will notify you at the time we collect that information and allow you to opt-out of having your information used for those purposes.

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What security procedures are in place to protect information from loss, misuse or alteration?

To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate physical, electronic and managerial procedures. For example, our servers are accessible only to authorized personnel.

Although we will endeavor to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this site, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.

Policy Updates

We reserve the right to change or update these policies at any time upon reasonable notice, effective immediately upon posting to this site.

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