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Bharti Axa Smart Health Insurance Plan

Bharti AXA General Insurance Company Ltd is a collaboration between Bharti Enterprises, a renowned Indian business group and AXA, a world's notable player in financial protection and wealth management. The company began its national operations in August 2008 and currently has 59 branch offices across the country.

Bharti Axa's Smart Health is a health insurance policy that is intended to cover medical expenditures of the entire family towards the treatment when hospitalized. It is packed with added benefits like the cover for pre and post hospitalization expenses, domiciliary treatment, day care procedures, critical illness, etc.

Highlights of Bharti Axa Smart Health Insurance Plan

Policy available in three variant:

Basic
Premium
Optimum

Single policy for the entire family that includes you, your spouse and two children
Renewal discount of 5% each claim free year up to a maximum of 25%
Access to more than 4300 network hospitals for cashless treatment
Cover for all day-care treatment costs
Double sum insured on detection of any of the 20 primary critical illnesses
Lifelong renewability
Tax benefits of up to Rs 25,000 under section 80 (D)

Scope of cover

Indivdual Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Max.

Number of Members Covered

Maximum Members : 4

Maximum Adults : 4

Maximum Children : 2

Sum Insured

2 lakh - 5 lakh

discount

Family Discount

Policy Periods Available

1, 2 years

Pre-Policy Medical Check-up

Above the age of 45-55 years depending on sum insured

Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Max.

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

2 lakh - 5 lakh

discount

5% of two four member

Policy Periods Available

1, 2 years

Pre-Policy Medical Check-up

Above the age of 45-55 years depending on the sum insured Sum Insured 15L & above

Important Features

Day Care Treatments

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Day Care Treatments

Includes surgical processes conducted using local or general anaesthesia which requires less than 24 hours of hospitalization because of technological advancement in healthcare. Each company has a specific list of processes which are covered under this category.

The plan covers the expenses towards all day-care procedures that would otherwise require hospitalization of a minimum of 24 hours.

No-Claim Benefits

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No-Claim Benefits

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For every claim-free year, you will be entitled to 5% cumulative bonus for the next policy year up to a maximum of 25%.

Pre Hospitalization

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Pre Hospitalization

Medical expenses incurred immediately before the insured individual is hospitalized are covered under this benefit. Usually, expenses up to 30 to 90 days before hospitalization are covered under the policy only after the in-patient hospitalization claim is accepted by the insurance company.

Compensates for the Pre-Hospitalisation expenses for consultations, investigations and medicines incurred up to 30-60 days before Hospitalisation depending on the plan.

Post Hospitalization

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Post Hospitalization

Medical expenses incurred immediately after the hospitalization are covered under this benefit.The coverage under this benefit would be available only for approved in-patient hospitalization claim is accepted by the insurance company. Usually, expenses up to 30 to 180 days post discharge are covered under the policy.

Compensates for the Post-Hospitalisation expenses for consultations, investigations and drugs incurred up to 60-90 days after discharge from Hospitalisation depending on the plan.

Good to Have Benefits

PORTABILITY

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PORTABILITY

If you are currently insured with a different insurer and wish to switch to Bharti Axa’s Smart Health Insurance Policy, you can do the same without losing your accrued benefits after the waiting periods.

TAX BENEFITS

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TAX BENEFITS

You can avail tax benefits for the premium amount paid towards this plan under Section 80D of the Income Tax Act,1961.

DAILY HOSPITALIZATION ALLOWANCE

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Daily Hospitalization Allowance

Includes lump sum compensation offered in some plans on a daily basis after every 24 hours of hospitalization. The amount offered under this benefit could be used to cover expenses additional to hospitalization expenses.

Depending on the sum insured you have opted for, you can get a daily cash allowance up to a specified limit.

ACCOMPANYING PERSON’S EXPENSES

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ACCOMPANYING PERSON’S EXPENSES

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Under this benefit, you can get compensated up to an extent of previous year’s minimum sum insured.

CRITICAL ILLNESS COVER

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Critical Illness Cover

Includes additional coverage offered by some of the insurance companies to the insured upon diagnosis of any one of the listed critical illnesses. https://www.coverfox.com/health-insurance/critical-illness/

Covers many critical illnesses like cancer, first heart attack, bypass surgery, kidney failure, stroke and so on.

HEALTH CHECK-UP

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Health Check-up

Includes complimentary health check-up provided by the insurance companies for certain health insurance plans.

The plan allows you for a complimentary health check at the block of every four claim free policy years up to a 1% of sum insured.

EMERGENCY AMBULANCE

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Emergency Ambulance

Includes coverage for expenses on ambulance for hospitalization of the insured.

Compensates you up to a specified limit for each hospitalization towards the emergency ambulance services.

HOME HOSPITALIZATION/DOMICILIARY HOSPITALIZATION

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Home Hospitalization/ Domiciliary Hospitalization

Includes coverage for expenses borne when active treatment is provided to the insured (especially older patients) by health care professionals in the patient's home.

You can avail treatment at home up to the base sum insured. There are certain terms and conditions related to this privilege, and you can refer them in the policy wordings.

Value Adds

FREE LOOK PERIOD

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Day Care Treatments

Includes surgical processes conducted using local or general anaesthesia which requires less than 24 hours of hospitalization because of technological advancement in healthcare. Each company has a specific list of processes which are covered under this category.

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Waiting Period

Cooling Off Period

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Cooling Off Period

The period begins right after commencement of the policy within which you cannot claim for any illness except claims related to accident. This period is not applicable for subsequent renewals.

A 30 days cooling off period for all claims except any arising out of accidental injuries and 60 days in case of critical illness

Specific Illnesses

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Specific Illness

The ailments of specific severity listed in the policy document are included under this category.

The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

Pre-Existing Illnesses

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Pre-Existing Illnesses

The ailments that the insured was already diagnosed with before taking the policy.

You can claim for any pre-existing conditions after 48 months from the policy start date.

Permanent Exclusions

The Plan will not cover any liabilities towards the treatments of following conditions-

Attempted suicide
Use of alcohol or drug
AIDS
Pregnancy, childbirth, miscarriage, and abortion
Congenital disease & non-allopathic treatment
Infertility and in vitro fertilization
Hospitalization out of war, riot, strike and nuclear weapons

The detailed list of what the policy does not cover is available in the policy wording.

Review of Bharti Axa Smart Health Insurance Plan

Simple, yet comprehensive; this defines Bharti AXA’s SmartHealth Insurance Policy that provides cover for expenses incurred as a result of hospitalization. With significant benefits like the cover for critical illness and domiciliary treatment, the plan pretty much covers all necessary aspect of a medical emergency. No limit on the room rent and co-payment make the plan worth consideration.

**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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