A smart first step to reduce financial burden arising out of hospitalization, Smart Health Essential Policy helps to lighten your load and Avoid unnecessary anxiety in the unfortunate event of hospitalisation of you and/or your dependent family.
Double the Sum Insured in case of ICU Admission, max. upto 5 days.
Tax rebate available as per provision of Income Tax Rules under section 80-D.
Payment of daily cash allowance, for the days of hospitalization, during the policy period beyond a specified number of days.
Benefit applicable irrespective of the number of times of hospitalisation, subject to S.I Available.
Pre-existing diseases are Covered after 48 months of continuous coverage.
Room Rent Limit
ICU Daily Rent Limit
Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)
Post Hospitalization Expenses
Minimum Hospitalization Period
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
Between 56 to 65 yrs of age.
Daily Hospitalization Allowance
Rs.1000/2000/3000 for 60/90/120 Days ( as per the Plan)Double Cash Benefit ( For Plan B & C, in case of ICU Admission)
No Claim Bonus
5%, max. upto 25%
Disclaimer of Warranties
You expressly agree the use of the service is at your sole
risk. The service is provided on an "as is" and "as available"
basis. www.dhansanchay.in expressly disclams all warranties of any kind, whether express
or implied, including, but not limited to the implied warranties of merchantability,
fitness for a particular purpose and non-infringement . www.dhansanchay.in makes no
warranty the services will meet your requirements, or the services will be uninterrupted,
timely, secure, or error free. Nor does www.dhansanchay.in make any warranty as to
the results that may be obtained through the service or that defects in the
software will be corrected. You understand and agree any material and/ or data
downloaded or otherwise obtained through the use of the service is done at your
own discretion and risk and you will be solely responsible for any damage to
your computer systems or loss of data that results from the download of such
material and/ or data. www.dhansanchay.in makes no warranty regarding any goods or
services purchased or obtained through the service or any transactions entered
into through the service. No advice or information, whether oral or written,
which you obtain from www.dhansanchay.in or through the service shall create any warranty
not expressly made herein.
You acknowledge that www.dhansanchay.in site may contain links to
other web sites operated by third parties ("linked sites"). You acknowledge
that, when you click on a link to visit a linked site, a frame may appear that
contains the www.dhansanchay.in logo, advertisements and/ or other content selected
by www.dhansanchay.in. You acknowledge that www.dhansanchay.in and its sponsors neither
endorse nor are affiliated with the linked site or any link contained in a link
site, or any changes or updates to such sites. You also acknowledge that www.dhansanchay.in
is providing these links to you only as a convenience.
www.dhansanchay.in does not endorse in anyway any advertisers/ contents
of advertisers on its webpages. Please therefore verify the veracity of all
information on your own before undertaking reliance and actioning thereupon.
www.dhansanchay.in shall not be responsible nor liable for any consequential damages
arising on account of your relying on the contents of the advertisement.
This site is the responsibility of www.dhansanchay.in
We want you to
Feel comfortable using our web sites
Feel secure submitting information to us
Contact us with your questions or concerns about privacy on this site
Know that by using our site you are consenting to the collection of
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:
Demographic profile (like your age, gender,occupation and education);
Financial information (like annual income or insurance policy number);
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
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
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.
All sites that are customizable require that you accept cookies. You also must accept cookies to register as someone for access to some of our services. e.g Online Portfolio. For information on how to set your browser to alert you to cookies, or to reject cookies, go to http://www.cookiecentral.com/faq/.
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.
We reserve the right to change or update these policies at any time upon reasonable notice, effective immediately upon posting to this site.