Health Insurance

Health Insurance

Why Do You Need Bharti AXA Health Insurance?

Health insurance is designed to cover your medical expenses and give you the freedom to avail quality healthcare. It enables you to access medical treatment of the covered risks without any hassles. Fast-paced life coupled with high levels of pollution, unhealthy food habits, and job-related stress are some of the major factors that may result in health-related emergencies. In the event that you have not covered yourself and your loved ones under a health insurance plan, a medical emergency can end up becoming a financial emergency in no time. All this can be avoided by simply paying a small amount of premium.

So, why wait for an emergency to happen when you can financially safeguard yourself with a health insurance plan. Furthermore, rising healthcare costs also stress the need for a health insurance plan for every individual.

Bharti AXA's new-age health insurance plans are not just limited to providing coverage before, during, and after hospitalization. Our health insurance plans are intended to provide protection against medical emergencies, in-patient treatments and day care procedures too. This ensures that your pockets do not drain due to any kind of medical emergency.

Thus, regardless of your financial capability, with a health insurance plan, you can avail the best treatment at network of hospitals. After you have purchased a health insurance policy, not only will it bring peace of mind but in addition, you can avail tax deductions under Section 80D of the Income Tax Act.

Types Of Health Insurance By Bharti AXA
Smart Super Health Insurance Policy

[B]Wide coverage from Rs. 5 Lakh to Rs. 1 Cr.

No capping on room rent

Pre and post-hospitalization of 60 days and 90 days

Restoration of sum insured up to 100%

Organ donor expenses covered up to sum insured

No- claim bonus up to 100% Sum Insured

Option to choose for critical illness cover/ hospital cash

Annual health check-up

Day care treatment up to Sum insured

AYUSH treatment

Smart Health Assure

Pre & Post Hospitalization Covered

Tax Benefit (Save under section 80 D)

Restoration of Sum Insured (100% Reload of Sum Insured at No Extra Cost)

Over 130 Day Care Treatments Covered

Ambulance Cover

Hospital Cash Allowance

Maternity Benefit

Critical Illness Cover

Annual Health Check-up

No Claim Bonus

Organ Donor Cover

Lifelong Renewability

Smart Super Top-Up Insurance

Coverage up to Rs. 60 Lakh

Day care treatment up to sum insured

Domiciliary treatment

Transplantation of organ

Domiciliary treatment

Transplantation of organ

Policy's Coverage (Inclusion)

Smart Super Health Insurance Policy

Annual health check-ups

Option to choose for critical illness cover/hospital cash

In-patient treatment : Up to sum insured

Pre-hospitalization - 60 Days : Up to sum insured

Post-hospitalization- 90 Days : Up to sum insured

Organ donor : Up to sum insured

Day care treatment : Up to sum insured as per listed provided in policy document

Ayush treatment : Up to sum insured

Domiciliary hospitalization : Up to sum insured

Restoration of sum insured : Up to 100% of sum insured

Emergency surface ambulance charges : Rs.3000/event

Convalescence benefit : As per specified limit and plan opted

Outpatient emergency treatment (accident only): As per specified limit and plan opted

Animal bite (vaccination): As per specified limit and plan opted

Domestic air ambulance (max once in a policy year / per life): As per specified limit and plan opted

Outpatient dental emergency (arising out of accident only): As per specified limit and plan opted

No claim bonus:

-For age45 yrs. 20% of expiring policy sum insured not exceeding 100%
Hospital cash allowance (up to maximum up to 30 days with one day deductible): As per specified limit and plan opted

Maternity benefit:

-Maternity benefit with 9 month waiting period, up to first 2 deliveries/mtp in lifetime ( available only with 3 yr. Policy term)

-New born baby for first 90 days
Lump sum benefit for critical illnesses (over and above sum insured)

* Please refer to the policy brochure for detailed summary of product
feature and benefits.

Smart Health Assure Policy

In-patient treatment : Up to sum insured

Pre-hospitalization - 60 Days : Up to sum insured

Post-hospitalization- 90 Days : Up to sum insured

Annual health check-ups

Organ donor : Up to sum insured

Day care treatment : Up to sum insured as per list provided in policy
document

AYUSH treatment : Up to sum insured

Domiciliary hospitalization : Up to sum insured

Restoration of sum insured : Up to 100% of sum insured

Emergency surface ambulance charges : RS 3000/event

Hospital cash allowance (up to maximum of 30 days with one day deductible):As per specified limit and plan opted

Maternity benefit :
-Maternity benefit with 9 month waiting period, up to first 2 deliveries/mtp in lifetime (available only with Family Floater Policy 3 yr. Policy term)
-New born baby for first 90 days
Lump sum benefit for critical illnesses (over and above sum insured)
Select a right Health Insurances that suits your needs
Sum Insured

Smart Health Insurance Plan.

Smart Super Health Insurance Plan
Value
Classic
Uber

Features Coverage
General Benefits

Room Rent (per day)

Pre-Hospitalization

Post Hospitalization

Restoration of Sum Insured

Day Care Treatment

No Claim Bonus

Domiciliary Hospitalization

Maternity Benefit (Optional)

Organ Donor

Hospital Cash Allowance (Add On)

Ambulance Benefits

Miscellaneous Benefits

Exclusion & Waiting Period

Smart Super Health Insurance Plan

Initial waiting period: 30 days for all illnesses

Pre-existing diseases covered after 48 months

24 months for the specific diseases or illness or procedures/surgeries
(refer to the policy wordings for entire list)

Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents

Maternity expenses: Where maternity cover is opted, waiting period until 9 months since the inception of the first Policy with the Company

Critical Illness 60 days waiting period and 30 days survival period
Internal Congenital Anomalies are covered after a waiting period of 48 months

Genetic disorders are covered after a waiting period of 48 months
War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.

Disease/ illness/ injury while performing duties as a serving member of a military or a police force

Any illness or injury directly or indirectly resulting in or arising from or occurring during the commission of any breach of any law by the insured person with criminal intent

Smart Health Assure Plan

Smart Super Health Assure Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)

24 months for the specific diseases or illness or procedures/surgeries (refer to the policy wordings for entire list)

Pre-existing diseases covered after 48 months

Maternity expenses: Where maternity cover is opted, waiting period until 9 months since the inception of the first Policy with the Company

Internal Congenital Anomalies are covered after a waiting period of 48 months

Genetic disorders are covered after a waiting period of 48 months
Critical Illness 60 days waiting period and 30 days survival period
War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.

Disease/ illness/ injury while performing duties as a serving member of a military or a police force

Any illness or injury directly or indirectly resulting in or arising from or occurring during the commission of any breach of any law by the insured person with criminal intent.