Get Lowest Rates for Health Insurance

Health Insurance Plans starting @ Rs 6 / day

+91
Compare Health Insurance Prices
Above fields cannot be left blank
Please wait...
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.

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

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

    No-Claim Benefits

    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

      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

        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

          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

            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

              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

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

                  CRITICAL ILLNESS COVER

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

                    HEALTH CHECK-UP

                    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

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

                        HOME HOSPITALIZATION/DOMICILIARY HOSPITALIZATION

                        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

                          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

                            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

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

                                Pre-Existing Illnesses

                                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.

                                  Health Insurance Policies @ Coverfox

                                  Schedule a call with our experts!

                                  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.

                                  Close
                                  Leave a rating!
                                  1.0 (1 votes)