Bharti AXA SmartHealth Insurance
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
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
Domiciliary expenses
Expense incurred on transplantation of organs
Day-care procedures which do not require 24 hours hospitalisation
Pre-existing diseases after 4 renewal years
Physiotherapy charges during hospitalisation
Benefits
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
Variants
There are three variants available in Bharti AXA SmartHealth Insurance Policy. They are -
- SmartHealth Basic
- SmartHealth Premium
- SmartHealth Optimum
Eligibility
|
|
Minimum |
Maximum |
|
Coverage Amount (in Rs.) |
50,000 |
5,00,000 |
|
Policy Term (in years) |
1 |
1 |
|
Entry Age (in years) |
5 |
65 (Basic) 60 (Premium) 55 (Optimum) |
|
Renewable till Age (in years) |
- |
75 (Basic) 70 (Premium) 65 (Optimum) |
Exclusions
- 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
