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Bharti AXA SmartHealth Essential Insurance

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Bharti AXA Smart Health Essential Insurance Policy

 

Bharti Axa SmartHealth Essential Insurance Policy is a hospital cash plan which pays daily cash on hospitalisation due to illness. Double cash limit paid for 5 days in case of admission in ICU.


 

Variants in Bharti AXA Smart Health Essential Insurance Policy

 

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

  1. Plan A – Hospital cash allowance Rs. 1,000 per day 60 days
  2. Plan B – Hospital cash allowance Rs. 2,000 per day 90 days          
  3. Plan C – Hospital cash allowance Rs. 3,000 per day 120 days

 

 

What is covered in Bharti AXA Smart Health Essential Insurance Plan?

 

  • Daily cash allowance paid for days of hospitalisation after first 3 days
  • Double cash limit for 5 days in case of admission in ICU (after first 3 days)

 

 

Additional Benefits of Bharti AXA Smart Health Essential Insurance Plan

 

Renewal discount equivalent to 5% of the renewal premium, every year, up to a maximum of 25%, provided that there are no claims in the expiring year

 

 

Eligibility and Restrictions of Bharti AXA Smart Health Essential Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,000 per day

3,000 per day

Entry Age

3 months

65 years

Renewable till Age

-

75 years

 

 

Family floater policy will cover

 

  • An individual and/or his spouse
  • 2 dependent children

 

 

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

 

  • Pre-existing diseases and conditions
  • First 30 days from commencement of policy
  • First year exclusion for Cataract, myomectomy, hernia, sinusitis, hydrocele, fistula in anus, benign prostatic hypertrophy, dilation and curettage
  • Psychiatric conditions or stress related ailments
  • Diseases existing at birth (congenital diseases)
  • Self medication or treatment by a family member
  • Treatment from person not registered as a medical practitioner
  • Vitamins and tonics unless part of treatment for disease
  • Any criminal acts
  • War, terrorism and nuclear perils
  • AIDS, HIV and related diseases

 

 

Alternate health insurance plans from other insurance companies

 

Apollo Munich Optima Cash

Bajaj Allianz Hospital Cash

Tata AIG Individual Accident and Sickness Hospital Cash

 

 

Other Health plans from Bharti AXA

 

Bharti AXA SmartHealth

Bharti AXA SmartHealth Critical Illness

Bharti AXA SmartHealth High Deductibles

Compare Health Plans

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