| Smart Century Premier Plan (100 critical illnesses), and Smart Half Century Plan (50 critical illnesses) | In-patient treatment for cancer (including in-situ cancer or any pre-cancerous lesions) | In-patient hospital cash benefit covers the fixed daily cash for each continuous and completed 24 hours of hospitalization for medically necessary treatment |
| Payout benefit if the insured gets diagnosed with listed critical illnesses | Daycare treatment procedures (including in-situ cancer or any pre-cancerous lesions) | Prolonged hospital cash benefit covers a fixed amount of INR 10K for each completed and continuous event of an insured person's hospitalization for an illness/injury exceeding the continuous period of 10 days |
| Smart Cancer Care provides a sum insured payout up to the specified limit as (Early Stage: 20%), (Major Stage: 30%), & (Advanced Stage: 50%) | Home care treatment for Cancer, if the home care is essentially required | Provides the double in-patient hospital cash benefit for each continuous and completed ICU cover for 24 hours of hospitalization for medically necessary treatment of the insured individuals |
| Second medical opinion for covered critical illnesses once in a policy year | Chemotherapy (including oral), radiotherapy cover and cancer-related medical expenses | Provides the double in-patient hospital cash benefit for each continuous and completed 24 hours of hospitalization for medically necessary treatment of the insured individuals due to an accidental injury or severe accidental conditions |
| Waiver of premium benefit on renewal up to 70% (for the next three years with Smart Century Premier Plan) | Get advanced medical treatment and cancer care | Provides the double in-patient hospital cash benefit for each continuous and completed ICU cover for 24 hours of hospitalization for medically necessary treatment of the insured individuals due to an accidental injury |
| Multipay feature of a maximum of up to 3 claims once each under Section A/B/C payable during the lifetime of the policy | High-end diagnostics care cover which means the medically necessary OPD tests are covered up to INR 25K in a policy year | INR 500 per day to INR 20,000 per day (in multiple of 500's)
Maximum payable days in a policy year: 30 days/60 days/180 days |
| You can choose the survival period from 0, 7 & 15 days | Psychiatric counselling for emotional/mental trauma is covered up to 8 sessions under the plan and each session is covered for up to INR 2K | - |
| Sum insured options: INR 5 lakhs - 2 Cr (in multiples of INR 5 lakhs) in each category (Category A/B/C). Plans options available are Smart Century Premier (100 Critical Illnesses) and Smart Half Century (50 Critical Illnesses) | If the insured is diagnosed with cancer in India and needs emergency global coverage for daycare treatment, this plan covers the medical expenses on a reimbursement basis | - |
| Loading: Insured individuals have the option to choose Survival Period for 0 or 7 or 15 days (not applicable for categories other than Section A: Critical Illness cover). Survival Period loading applicable for 7 days is 5% and for 0 days is 7.5% on the critical illness premium | More benefits of this section include Pre-Hospitalization Expenses, Post-Hospitalization Expenses, Organ Donor Expenses, OPD Cover (Outpatient), Hotel Accommodation, Transportation Expenses, Ambulance Cover, Palliative Care for Cancer, Health Check-up, Second Medical Opinion, Consumable Benefits | - |
| - | INR 5 lakhs to 2 Cr in multiples of INR 5 lakhs | - |
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