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Health Insurance
Smart Health Insurance Policy Individual
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Synopsis:
Be prepared for all circumstances, with Bharti Axa s Smart Health Insurance policy be rest assured as it offers complete support at all times and provides for eventualities arising out of hospitalization.

Highlight:

  • Comes with Unique Feature - In-built critical illness cover.
  • No medical check-ups required up to 55 years (on select plans).
  • Life long policy renewal is available.
  • Single policy for the entire family (Insured, spouse and two children).
  • Wide sum insured option ranging from Rs. 2,00,000 to Rs.5,00,000.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • 24x7 claim assistance and easy claim settlement process.
  • 5% renewal discount every year maximum up to 25% on a progressive scale.
  • Maximum age of entry for 200,000 Options of Basic Plan is 65 years.
Benefit:
Title Description
Room Rent Limit Upto S.I (subject to limits Specified)
Pre-Hospitalization Expenses 30 Days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes ( Upto S.I)
Additional Cover for Critical Illness Yes (reimbursement basis on hospitalization of insured)
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 Days
Medical Screening Required as per S.I opted under Basic/Premium/Optimum plan.
Free Health Checkup After 4 claim free years.
Ambulance Expenses Upto Rs.1500
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 Days
Medical Screening Required as per S.I opted under Basic/Premium/Optimum plan.
Free Health Checkup After 4 claim free years.
Ambulance Expenses Upto Rs.1500
Daily Hospitalization Allowance Rs.250 per day max.10 days
Donor Expenses Upto Rs.50,000 (over & above S.I)
Attendant Allowance Rs.250 per day max.5 days
Nursing Allowance Rs.50,000
No Claim Discount 5%, max. upto 25%
Room Rent Limit Upto S.I (subject to limits Specified)
Pre-Hospitalization Expenses 30 Days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes ( Upto S.I)
Additional Cover for Critical Illness Yes (reimbursement basis on hospitalization of insured)