Bharti AXA SmartHealth Essential Insurance

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.

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

• 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)

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

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

• 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

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