Smart Super health Insurance

Sum insured that can be opted up to the age at entry of 65 years on Individual and/or Floater basis are as follows:

Value: 5 Lakhs, 7.5 Lakhs

Classic: 10 Lakhs, 15 Lakhs and 20 Lakhs
Uber: 20 Lakhs, 30 Lakhs, 50 Lakhs, 60 Lakhs, 70 Lakhs, 80 Lakhs, 90 Lakhs and 1 Crore

This product can be availed by HSBC Premier and HSBC Advance customers.

The policy also has optional covers like:

1. Hospital cash allowance
2. Maternity and new born baby cover
3. Critical illness

Additional benefits under this policy:

1. Income Tax benefit
2. No Claim Bonus
3. Annual Health Check-up
   

A1. 30 days waiting period:

Expenses incurred for treatment undertaken for disease or illness within 30 days of the inception date of first/ initial policy.

A2. Specific waiting period:

Hospitalization expenses incurred on treatment of specified diseases or Illness or procedures/ surgeries within the first two years (continuously renewed without any break) from the inception of initial / first Policy

A3. Pre-existing diseases / Illness / Injury / conditions:

The benefits will not be available for any condition(s) as defined in the policy, until 48 months of continuous coverage have elapsed, since inception of the first policy with the insurance company. Disclosure of any pre-existing diseases with details must be done at the time of application for this Policy/ addition of member in existing policy, in the proposal form and shall be classified as pre-existing disease post acceptance of such application by the company.

A4. Maternity expenses where maternity cover is opted:

The benefits will not be available for any condition(s) as defined in the policy, until 9 months since inception of the first policy with the insurance company. In all other cases where maternity benefit cover is not opted, all claims directly or indirectly related to maternity stands excluded always.

A5. Critical illness where opted:

60 days waiting period for fresh policy and 30 days survival period.

The insurer shall not be liable to make any payment for any claim directly or indirectly caused by or based on or arising out of or howsoever attributable to any of the following:

1. Any treatment received outside India.
2. War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
3. Any Illness or injury directly or indirectly resulting or arising from or occurring during commission of any breach of any law by the insured person with criminal intent.
4. Disease/ Illness/ Injury whilst performing duties as a serving member of a military or a police force.
5. Any loss, injury/illness, directly or indirectly caused due to an act of terrorism or terrorist incident, regardless of any contributory causes (if the insurance company alleges that by reason of this exclusion any loss is not covered by this insurance, the burden of proving the contrary shall be upon the insured / insured members
6. Expenses following Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
7. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or, as may be necessitated due to an accident.
8. Experimental and unproven treatment.
9. Treatment of mental disease / Illness, stress, psychiatric or psychological disorders.
10. Medical treatment in respect of the illness / injury/ disease caused whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing, potholing, abseiling, deep sea diving, polo, snow and ice sports.
11. Medical treatment required following involvement in any criminal act of the insured insured members 
12. Sex change or treatment, which results from, or is in any way related to, sex change.
13. Dental treatment or surgery of any kind unless requiring hospitalization or in case of out-patient Dental Emergency Treatment (unless arising out of Accident only as specified under the scope of the Policy). 

This is not the exhaustive list of exclusions, kindly refer to the policy wording document for the detailed list of exclusions.

Contact us today to have your questions answered

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The Insurance products are offered and underwritten by ICICI Lombard General Insurance Company Ltd., ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025, India.

The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) (IRDAI Regn. no. CA0016) whose India corporate office is at 52/60, M. G. Road, Fort, Mumbai – 400001, India, does not underwrite the risk or act as an insurer.

The contract of insurance is between the insurer and the insured and not between the bank and the insured.
The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer.
HSBC will receive 15% commission on the premium amount from ICICI Lombard General Insurance company for this transaction.
For more details on risk factors, terms and condition please read the Policy wording Document carefully before concluding a sale.

Website: www.icicilombard.com
Call: 18001032292
SMS: Claim or Service or Renew or Call Back to 5667700
Email: customersupportba@icicilombard.com

You may also approach your nearest HSBC branch for any claim or service related queries/request.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDA clarifies to public that:
IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of the phone call and number.