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Bharti AXA SmartHealth Insurance

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 Bharti AXA Smart Health Insurance Policy

Bharti Axa Smart Health is a health insurance plan which is designed to cover expenses of the entire family incurred on medical treatment when hospitalised, pre and post hospitalisation costs, domiciliary treatment, day care procedures, critical illness etc.


Key Features of Bharti AXA SmartHealth Insurance Policy

  • Covers many critical illnesses like cancer, first heart attack, bypass surgery, kidney failure, stroke and many more
  • Provides for Dread disease recuperation
  • Provides hospital cash allowance
  • Claim settlement within 21 days of receipt of documents



Variants in Bharti AXA Smart Health Insurance Plan

There are three variants available in Bharti AXA SmartHealth Insurance Policy. They are -

  1. SmartHealth Basic
  2. SmartHealth Premium
  3. SmartHealth Optimum


What is covered in Bharti AXA Smart Health Insurance Plan?  

  • Hospital room rent expenses 
  • Domiciliary expenses
  • Expense incurred on transplantation of organs
  • Critical illnesses like heart attack, bypass surgery, lung disease, liver failure, hypertension, meningitis, heart valve surgery etc
  • Day-care procedures which do not require 24 hours hospitalisation
  • Pre-existing diseases after 4 renewal years
  • Hospital cash allowance
  • Home nursing charges
  • Physiotherapy charges during hospitalisation





Additional Benefits of Bharti AXA Smart Health Insurance Policy

  • Cumulative bonus of 5% for every claim-free year
  • Cost of health check done after 4 claim free years (up to 1% of sum assured)
  • Expenses incurred by the accompanying person of the insured
  • Expenses for parent’s accommodation for accompanying the child
  • Dental expense if caused by an accident
  • Children education fund


Eligibility and Restrictions of Bharti AXA Smart Health Insurance Policy





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)


65 (Basic)

60 (Premium)

55 (Optimum)

Renewable till Age (in years)


75 (Basic)

70 (Premium)

65 (Optimum)



Family floater policy will cover

  • An individual and/or his spouse
  • Dependent children


Exclusions - What is not covered in Bharti AXA Smart Health Insurance Policy?

  • Pre-existing diseases and conditions for first 4 policy years
  • 2 year exclusion for chronic illnesses such as cataract, dialysis, joint replacement surgery (unless caused by accident) etc
  •  AIDS, HIV and related diseases
  • Abuse of drugs, alcohol, hallucinogens, intoxicant
  • Complications related to pregnancy and child birth
  • Hospitalisation expenses outside India
  • Suicide or self-inflicted injury, mental disorder etc
  • Diseases during first 30 days of policy and 60 days in case of critical illness
  • Cost of contact lenses, hearing aids and spectacles



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