Plans for Individuals
  • Smart Health Critical Illness Individual
    •
  • Smart Health Essential Insurance Individual
    •
  • Smart Health Insurance Policy Individual
    •
  • Smart Health High Deductibles Insurance Individual
    •
  • Smart Super Health Insurance Individual
    •
    Plans for Families
  • Smart Health Critical Illness Floater
    •
  • Smart Health Essential Insurance Floater
    •
  • Smart Health Insurance Policy Floater
    •
  • Smart Health High Deductibles Insurance Floater
    •
  • Smart Super Health Insurance Floater
    •
    Useful Information

    Bharti

    TPA Information

    Smart Health Insurance Policy Individual

    Synopsis:

    Be prepared for all circumstances, with Bharti Axa s Smart Health Insurance policy be rest assured as it offers complete support at all times and provides for eventualities arising out of hospitalization.

    Highlight:

    • Comes with Unique Feature - In-built critical illness cover.
    • No medical check-ups required up to 55 years (on select plans).
    • Life long policy renewal is available.
    • Single policy for the entire family (Insured, spouse and two children).
    • Wide sum insured option ranging from Rs. 2,00,000 to Rs.5,00,000.
    • Pre-existing diseases are Covered after 48 months of continuous coverage.
    • Tax rebate available as per provision of Income Tax Rules under section 80-D.
    • 24x7 claim assistance and easy claim settlement process.
    • 5% renewal discount every year maximum up to 25% on a progressive scale.
    • Maximum age of entry for 200,000 Options of Basic Plan is 65 years.

    Benefit:

    Title
    Description
    Room Rent Limit
    Upto S.I (subject to limits Specified)
    Room Rent Limit
    Upto S.I (subject to limits Specified)
    Pre-Hospitalization Expenses
    30 Days
    Pre-Hospitalization Expenses
    30 Days
    Post Hospitalization Expenses
    60 Days
    Post Hospitalization Expenses
    60 Days
    Minimum Hospitalization Period
    24 Hrs
    Minimum Hospitalization Period
    24 Hrs
    Day Care Procedure Coverage
    Yes ( Upto S.I)
    Day Care Procedure Coverage
    Yes ( Upto S.I)
    Additional Cover for Critical Illness
    Yes (reimbursement basis on hospitalization of insured)
    Additional Cover for Critical Illness
    Yes (reimbursement basis on hospitalization of insured)
    Pre-Existing Disease / Illness coverage
    After 48 months
    Pre-Existing Disease / Illness coverage
    After 48 months
    Waiting Period for New Policy
    30 Days
    Waiting Period for New Policy
    30 Days
    Medical Screening
    Required as per S.I opted under Basic/Premium/Optimum plan.
    Medical Screening
    Required as per S.I opted under Basic/Premium/Optimum plan.
    Free Health Checkup
    After 4 claim free years.
    Free Health Checkup
    After 4 claim free years.
    Ambulance Expenses
    Upto Rs.1500
    Ambulance Expenses
    Upto Rs.1500
    Daily Hospitalization Allowance
    Rs.250 per day max.10 days
    Donor Expenses
    Upto Rs.50,000 (over & above S.I)
    Attendant Allowance
    Rs.250 per day max.5 days
    Nursing Allowance
    Rs.50,000
    No Claim Discount
    5%, max. upto 25%