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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
Additional Cover for Critical Illness Yes (reimbursement basis on hospitalization of insured)
Additional Cover for Critical Illness Yes (reimbursement basis on hospitalization of insured)
Ambulance Expenses Upto Rs.1500
Ambulance Expenses Upto Rs.1500
Attendant Allowance Rs.250 per day max.5 days
Daily Hospitalization Allowance Rs.250 per day max.10 days
Day Care Procedure Coverage Yes ( Upto S.I)
Day Care Procedure Coverage Yes ( Upto S.I)
Donor Expenses Upto Rs.50,000 (over & above S.I)
Free Health Checkup After 4 claim free years.
Free Health Checkup After 4 claim free years.
Medical Screening Required as per S.I opted under Basic/Premium/Optimum plan.
Medical Screening Required as per S.I opted under Basic/Premium/Optimum plan.
Minimum Hospitalization Period 24 Hrs
Minimum Hospitalization Period 24 Hrs
No Claim Discount 5%, max. upto 25%
Nursing Allowance Rs.50,000
Post Hospitalization Expenses 60 Days
Post Hospitalization Expenses 60 Days
Pre-Existing Disease / Illness coverage After 48 months
Pre-Existing Disease / Illness coverage After 48 months
Pre-Hospitalization Expenses 30 Days
Pre-Hospitalization Expenses 30 Days
Room Rent Limit Upto S.I (subject to limits Specified)
Room Rent Limit Upto S.I (subject to limits Specified)
Waiting Period for New Policy 30 Days
Waiting Period for New Policy 30 Days