Health Smart Floater Old
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Health smart Flaoter is a Floater policy to suit your specific needs During medical emergencies.


  • Critical Illness cover up to 100% of sum insured for specified critical Illnesses/
  • Personal Accident cover up to Sum Insured upon the event of accident.
  • Cumulative Bonus on Renewal for every Claim Free Year.
  • Value Added Services such as Free health check-up coupon & Online Chat with Medical Practitioners.
  • Covers for Medical expenses incurred by the Insured as an Outpatient.
  • Pre-existing diseases are Covered after 24 months.
Title Description
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 Optional
Pre-Existing Disease / Illness coverage After 24 months
Waiting Period for New Policy 30 days
Medical Screening Above age 45 years
Free Health Checkup Yes
Ambulance Expenses Up to 1500 per hospitalization
Non-Allopathic Treatments Not covered
New Born Baby Cover Yes
Daily Hospitalization Allowance Up to 2000 per day, Max 10 days
Donor Expenses Optional
Nursing Allowance Optional
No Claim Bonus Up to 10% per claim free year, Max 50%