Smart Select

Key Benefits

• 15% discount on Premium for SMART SELECT customers

• 4900+ hospitals on SMART SELECT NETWORK
• ZERO Co-Payment for treatment in SMART SELECT Network
• Upto 150% increase in SI with No Claim Bonus SUPER
• Automatic Recharge of Sum Insured
• Annual Health Check-up for all Insured members
• Tax benefit under Section 80D
PLAN OPTIONS
 2/3/4 Lacs 5/7/10 Lacs 15/20/25/30/40 Lacs
PRE-HOSPITALIZATION 30 Days 30 Days 30 Days
POST HOSPITALIZATION 60 Days 60 Days 60 Days
DAY CARE TREATMENT Up to SI Up to SI Up to SI

Single Private Room

ROOM RENT 1% of SI per day Single Private Room
Upgradable to Next Level

ICU CHARGES 2% of SI per day No Limit No Limit

DOCTOR FEES, ETC. No Limit No Limit No Limit
OTHER MEDICAL CHARGES No Limit No Limit No Limit
DAILY ALLOWANCE Rs.500 per day up to 5 Days - -
AMBULANCE COVER Upto Rs1500 per hospitalization Upto Rs2000 per hospitalization Upto Rs2500 per hospitalization
DOMICILIARY HOSPITALIZATION Upto 10% of SI Upto 10% of SI Upto 10% of SI
ORGAN DONOR COVER UP TO Rs.50,000 UP TO Rs.1,00,000 UP TO Rs.2,00,000
ANNUAL HEALTH CHECK-UP Yes Yes Yes
ALTERNATIVE TREATMENT Up to Rs.15000 Up to Rs 20,000 Up to Rs.30,000
SECOND OPINION Yes Yes Yes

NO CLAIM BONUS* Up to 150% of SI Up to 50% of SI Up to 50% of SI

RECHARGE OF SUM INSURED Up to SI Up to SI Up to SI

SMART SELECT Yes Yes Yes

*For sum insured 2/3/4 Lakhs NCB Super is in-built in the plan
 Policy Conditions
MINIMUM ENTRY AGE
MAXIMUM ENTRY AGE
RENEWAL
CO-PAYMENT
INITIAL WAIT PERIOD
NAMED AILMENT WAIT PERIOD
PRE-EXISTING DISEASE WAIT PERIOD 48 Months
PROPOSER- INSURED ALLOWED
RELATIONSHIPS
Individual Plan
5 Years
Family Floater Plan
91 days with at least 1 insured member above 18 Years of Age
Child :24 Years
Adult : No Age limit
Life Long
20% Co-payment for Treatment (Cashless/reimbursement ) in a NON SMART SELECT network
hospital
Additional 20% on policies where customer enrolment Age > 60 Years
30 Days for all Illness except Accidental injury
24 Months
Individual Plan
Self, Spouse, Son, Daughter, Father, Mother, Brother, Sister, Father-in-law, Mother-in-law,
Grandmother, Grandfather, Grandson, Granddaughter, Uncle, Aunt, Nephew, Niece, Employee
or any other relationship having an insurable Interest
Family Floater Plan
Self, Spouse, Son, Daughter, Father, Mother, Employee and his/her dependents ( Spouse /
children / Parents) or any other relationship having an insurable interest
 SMART SELECT CLAIM ILLUSTRATION
KEY POINTERS
– ZERO Co-payment for Treatment ( both Cashless or reimbursement) in a SMART SELECT network hospital
– 20% Co-payment for Treatment (both Cashless or reimbursement ) in a NON SMART SELECT network hospital
– Additional Co-payment of 20% will be applicable where the customer enrolment age >60

CLAIM ILLUSTRATION
Treatment taken in a Smart Treatment Taken in a Non Smart
Select Network Hospital Select network hospital
Claim Amount Filled Rs. 50,000 Rs. 50,000
Co-payment Application on claim 0% 20%
Claim Amount Approved Rs. 50,000 Rs. 40,000
Note : In case of Policy with customer enrolment age>60 years, additional 20% Co-payment will be applicable under both Scenarios
 Customer Delight
SMART SELECT network can be checked at the below link
HTTPS://WWW.CAREINSURANCE.COM/SMARTSELECT-NETWORK-LOCATOR.HTML

TELL US ABOUT HOSPITALS NEAR YOUR LOCATION

Reach us on : chil.network@careinsurance.com
Subject Line : Addition of hospital in smart select network
Please share the following information on mail
• Policy Number
• Hospital Name
• Hospital Contact Number
• Hospital E-mail address
• Contact
Note: Hospital Person subject
empanelment name intoHospital
hospital meeting CHIL empanelment criteria

.
OPTIONAL COVER
 NO CLAIM BONUS SUPER ( NCB SUPER)

Base Policy Sum insured is increased by 50% on Renewal if there is no claim during the previous policy
period subject to following conditions
– No Claim Bonus SUPER benefit will not exceed 100% of Base Policy Sum Insured.
– The increase in Sum Insured under this Bonus does not increase the sub-limits applicable to the policy.
– In case of a claim in any policy year, the Sum Insured is reduced by 50% of the expiring policy sum insured but not
lesser than the Sum Insured applicable in the first policy year

NCB
Year 1 Year 2
SUPER
50% 50%
100%
 PERSONAL ACCIDENT

We cover Accidental Death / Permanent Total Disability of Proposer (in case Insured in the Policy) due to
Accident with following conditions
– Coverage amount will not exceed 10 times of Policy Sum Insured
– 100% Sum Insured payable in case of Accidental Death & Permanent Total Disability

Note: Please refer to Policy T&C to know amount payable for different disabilities
 UNLIMITED AUTOMATIC RECHARGE

Recharge of Sum Insured Unlimited Times

– Recharge amount can be used for future/further claims, not related to the Illness / Injury for which the claim has
been made during the same Policy year
– Any unutilized Recharge cannot be carried forward to any subsequent Policy Year
– No Claims Bonus and No Claims Bonus Super shall not be considered while calculating ‘Unlimited Automatic
Recharge Amount’
THANK YOU