Coverfox.com
  • Insurance
    • Car
      • Car Insurance
      • Companies
      • Third party car insurance
      • Comprehensive car insurance
      • Car insurance calculator
      • New car insurance
      • Zero Dep Car Insurance
      • Buy Car Insurance
      • Compare Car Insurance
    • Bike
      • Two Wheeler Insurance
      • Two Wheeler Insurance Companies
      • Two Wheeler Insurance Claim
      • Two Wheeler premium Calculator
      • Third party Bike insurance
      • Multiyear Bike Insurance
    • Health
      • Health Insurance
      • Companies
      • Mediclaim Policy
      • Individual Health Insurance plans
      • Critical illness insurance
      • Senior citizen health insurance
      • Arogya sanjeevani policy
      • Coronavirus Health insurance
    • Term
      • Term Insurance
      • Companies
      • Life insurance
      • Life Insurance calculator
      • Term Insurance calculator
      • Life Insurance Plans
      • 1 crore term insurance
      • Compare Term Insurance
      • Buy Term Insurance
      • Term Insurance Renewals
    • Investment
      • Investment Plans
      • Companies
      • Buy Investment Plans
      • Child Plans
      • Pension Plans
      • ULIP
      • Endowment Policy
      • Tax saving investment
      • Buy ULIP
      • Best ULIP
  • About Coverfox
    • About us
    • Insurance Blog
  • Claims
  • Contact us
  • Login

Bharti AXA Smart Health Critical illness Policy

image title

Bharti AXA Smart Health Critical illness plan offers coverage to an individual after first diagnosis of critical illness. Under this plan there are two Sections- Section I provides reimbursement benefit or medical expense cover (like in case of any Mediclaim policy) up to sum insured after diagnosis while Section II provides lump sum payment up to sum insured (irrespective of hospitalization expenses) after first diagnosis. The individual opting this policy has an option to choose benefit under either Section I or Section II.

Note: Under this Health Insurance plan, in case of multiple diagnosis the benefit can be availed only once. Also, in case of a family floater, once the claim is made by any one of the family members the plan cannot be further renewed for other members on floater basis.

Plan variants –

None

Main highlights of the plan –

The benefits offered under Bharti AXA Health Insurance's Smart Health Critical illness plan are:

  1. It gives an individual option to choose reimbursement (under Section I) or lump sum benefit (under Section II) as Critical Illness Insurance benefit.

  2. It has an option to opt for individual or family floater cover.

  3. Discount of 5% on the premium is provided up to a maximum of 25% is provided after every claim free year.

  4. 20 critical illnesses are covered under this plan.

Scope of cover –

  1. The individual between age 3 months up to 55 years can be covered in the plan.
  2. The plan is available for proposer, lawful spouse and a maximum of two dependent children up to age 23 years.
  3. Sum insured– There are three sum insured options of INR 2,00,000; INR 3,00,000 and INR 5,00,000 available in this plan. NUMBER OF AILMENTS– The Bharti AXA Smart Health Critical illness policy offers coverage for 20 critical illnesses.

LIST OF CRITICAL ILLNESSES COVERED –

  1. Cancer of specified severity
  2. First heart attack
  3. Coronary artery disease
  4. Open chest Coronary Artery Bypass Graft (CABG)
  5. Open Heart Replacement of Heart Valves
  6. Surgery to Aorta
  7. Stroke resulting in permanent symptoms
  8. Kidney failure which requires regular dialysis
  9. Aplastic Anemia
  10. End stage Lung disease
  11. End stage Liver failure
  12. Coma of specified severity
  13. Major burns
  14. Major organ/ bone marrow transplant
  15. Multiple sclerosis with recurring symptoms
  16. Fulminant hepatitis
  17. Motor neurone disease exhibiting permanent symptoms
  18. Primary permanent hypertension
  19. Terminal illness
  20. Bacterial meningitis

Eligibility –

Individual and Family floater

Coverage and benefits –

Most Important:

The Section I of the Bharti AXA Smart Health Critical illness policy offers following benefits in case of hospitalization:

ROOM RENT/ ROOM CATEGORY –

This plan does not have limit over room expense cover.

CO-PAYMENT –

This plan does not have co-pay option.

NO-CLAIM BENEFITS – This plan offers premium discount of 5% up to a maximum of 25% for each unclaimed year. However, this cumulative discount is reduced to zero once claim is made.

Good to have

PRE/POST HOSPITALIZATION-

For claim under Section I of this policy, the pre hospitalization expense for a maximum of 30 days and post hospitalization for a maximum of 60 days is covered in this policy.

RESTORE BENEFITS-

This plan does not offer restore benefit.

HEALTH CHECK-UP-

This plan reimburses 50% of the amount spend on pre-policy health check-up.

Value adds

AMBULANCE CHARGES -

This benefit is applicable under Section I of this policy. With this benefit, the insured would get coverage for ambulance charges up to INR 2,500 for transportation to and from the hospital. One can avail this benefit more than once in a single policy year.

DAILY CASH –

This plan provides daily cash benefit for claims under Section I of the policy. With this benefit the insured is eligible for daily cash as follows:

Dread disease recuperation cover- With this cover the individual diagnosed with any critical illness listed under this policy a daily cash of INR 500 per day up to a maximum of 45 days would be provided.

Hospital Daily cash allowance- An additional benefit under Section I includes hospital daily cash allowance benefit which entitles you with an allowance of INR 750 per day for a maximum of 30 days, after the hospitalization exceeds 3 days. This benefit is not restricted to the number of occurrences.

Accompanying insured person- Another additional benefit provided under Section I of this policy is coverage to the person accompanying the insured. With this benefit, INR 250 for a maximum of 10 days is provided to cover the person accompanying the insured.

HOME NURSING EXPENSE –

This benefit is applicable under Section I of this plan. With this benefit insured would get a daily cash of-

  • INR 350 per day for a maximum of 10 days after hospitalization exceeds 3 days is provided for sum insured INR 2,00,000.
  • INR 500 per day for a maximum of 10 days after hospitalization exceeds 3 days is provided for sum insured INR 3,00,000 and INR 5,00,000.

ORGAN DONOR COVER – This benefit is applicable under Section I of this policy. With this benefit, the cost of treatment for the organ in case of major organ transplant for the insured is covered up to sum insured.

CONVALESCENCE BENEFIT –

This benefit is applicable for claims under Section I of this policy. With this benefit the insured would get convalescence benefit up to INR 12,500 after hospitalization exceeds 8 days.

PHYSIOTHERAPY – This benefit is provided under Section I of this health insurance plan. With this benefit the insured gets coverage for in-patient physiotherapy up to 2% of sum insured.

CHILDREN EDUCATION FUND –

This benefit is provided under Section I of Smart Health Critical illness plan in the event of death of the insured as a result of critical illness covered under this policy. Under this benefit, a maximum of two dependent children up to age 23 years pursuing education are provided allowance up to INR 5,000.

MORTAL EXPENSE COVER -

This benefit is provided under Section I of Smart Health Critical illness plan in the event of death of the insured as a result of critical illness covered under this policy. Under this benefit, an allowance of –

  • INR 1,000 is provided after the death of insured covered for sum insured INR 2,00,000.

  • INR 2,000 is provided after the death of insured covered for sum insured INR 3,00,000 and INR 5,00,000.

All the benefits mentioned above talk about benefits applicable under Section I of the policy. For Section II the policy provides compensation amount equal to 100% of sum insured after diagnosis of critical illness and irrespective of hospitalization expenses.

Note- For benefit under any one of the above Sections it is mandatory that the illness should fall under the critical illness category as defined by the insurance company. For more details on the categories defined please refer the policy wordings.

Survival period –

30 days

Exclusions –

Waiting Period –

  1. To claim for benefits under any Section (Sec. I or Sec. II), a waiting period of 60 days after commencement of policy is applicable. However, this period is waivered off after timely renewal.

  2. Pre-existing conditions are covered only after 4 years of continuous coverage.

  3. Specified illnesses have a waiting period of 2 years applicable in this plan.

Note: In case you are porting from policy A to this policy the terms and conditions under this section would differ. Please refer the policy wording or contact Coverfox for more details.

Permanent Exclusions –

  1. All the dental treatments unless recommended for treatment of any critical illness.
  2. Birth control procedures, AIDS and related diseases and illnesses.
  3. Treatment of mental illnesses.

Note: For detail list of exclusions, please refer the policy wording.

Talk to an expert

Health plans starting at Rs 6 / day

Please enter a valid phone number
Thanks! We will get back to you soon.

I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

Aniket Thakkar
Written by Aniket Thakkar
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

Spread the love!

Found the article helpful? Share it with your friends, and help them discover Coverfox

Subscribe to Blog

Get Insurance and Financial money saving tips in your inbox.

Please enter your name and a valid email id

Thanks! We will get back to you soon.

Get Lowest Rates for Smart Health Critical illness Policy
Schedule a call with our experts!
Please enter your name and a valid phone number
Thanks! We will get back to you soon.
  • Most Popular Articles
  • Pre-Existing Conditions In Health Insurance
  • The Truth About The Room Rent Limit
  • Your elderly parents' best kept secrets
  • How to Find the Best Family Floater Plan?
  • 6 Gamechanging Questions To Ask Your Agent
  • ...more articles
  • Types of Health Insurance
  • Family Health Insurance
  • Cashless Health Insurance
  • Personal Accident Insurance
  • Health Insurance for Senior Citizens
  • Maternity Insurance
  • Individual Health Insurance
  • Top Health Insurance Companies
  • Star Health And Allied Insurance
  • Religare Health Insurance
  • HDFC Ergo
  • Oriental Health Insurance
  • L & T Health Insurance
  • ...more companies
  • Popular Casheless Hospitals
  • Star Health Network Hospitals
  • Oriental Network Hospitals
  • Religare Network Hospitals
  • Bajaj Allianz Network Hospitals
  • Reliance Network Hospitals
  • Cholamandalam-MS Network Hospitals
  • ...more hospitals
  • Popular Health Plans
  • L & T Medisure Super Top Up
  • Niva Bupa Health Companion
  • Religare Care Plan
  • Oriental Happy Family Floater
  • Star Mediclassic Insurance Plan
  • ManipalCigna ProHealth Plan
  • Talk to an expert
    We are always excited to help!
    Our Insurance Expert is
    Online Right now.
    +91
    Please enter a valid mobile number
    Please enter a valid mobile number
    Thankyou for sharing your details

    Redirecting in 3 seconds
    View all quotes on our website →
    I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.
  • ...more plans
icon Health Insurance icon Bhartiaxa Health Insurance icon Smart Health Critical Illness Policy
×

Get Lowest Rates for health Insurance

With Upto 60% Discount

  • Secure
  • Licensed By
  • Payment Options
  • Car Insurance
  • Bike Insurance
  • Motor Insurance
  • Commercial Vehicle Insurance
  • Travel Insurance
  • Car Insurance Premium Calculator
  • Family Health Insurance
  • Senior Citizens Insurance
  • Group Insurance
  • Corona Rakshak Policy
  • Corona Kavach Policy
  • Super Topup Plan
  • Term Insurance
  • ULIP
  • e-Term Plan
  • 1 Cr Term Insurance
  • कार इन्शुरन्स
  • टू व्हीलर इंश्योरेंस
  • टर्म इंश्योरेंस
  • हेल्थ इंश्योरेंस
  • मेडिक्लेम पॉलिसी
  • Learn About Insurance
  • Network Hospitals
  • Cashless Garages
  • Get Android App
  • Learn
  • About Us
  • Contact Us
  • Careers
  • Sitemap
  • FAQs
Connect with us
Become a Partner
Become a Coverdrive POS Agent

Coverfox Insurance Broking Pvt. Ltd. : Unit D4131-4139, 4th floor, Oberoi Garden Estates, Near Chandivali Studio, Andheri East, Mumbai - 400072

Licence No. 478 , IRDA Direct Broker Code: IRDA/ DB 556/ 13 , Valid till: 26/12/2022, CIN: U66000MH2013PTC243810

  • Shipping & Delivery Policy
  • Privacy Policy
  • Cancellation & Refund
  • Terms & Conditions
Copyright © 2022 Coverfox.com. All Rights Reserved