Bharti AXA Smart Health Insurance

Bharti AXA Smart Health Insurance policy is considered to take care of your entire family during hospitalization. This plan comes with some more additional benefits than other basic plans. You can buy Bharti AXA Smart Health Insurance plan to stay secure for the future and can also protect yourself and your family against rising medical costs. Let’s have a look at this write-up to know more about this Bharti AXA Smart Health Insurance plan.

Key Features of Bharti AXA Smart Health Insurance

  • The policy is available in three variants - Basic, Premium and Optimum.
  • The policy provides coverage for the entire family which includes self, spouse and dependent children.
  • Minimum entry age of this plan is 18 year. And children who are above 90 days can be covered under this plan.
  • Smart Health Insurance policy of Bharti AXA offers Sum Insured or Rs 2 lakh to 5 lakh.
  • This plan offers coverage for in-built critical illness.
  • Lifelong renewal option is available under this Bharti AXA Smart Health Insurance plan.
  • You can avail 30 days grace period for renewal of this policy.
  • As per this policy, you can avail 5% discount on renewal for every claim-free year up to a maximum of 25%.

Bharti AXA Smart Health Insurance Policy Coverage & Benefits

  • Room Rent: During hospitalization you will get coverage for room rent per day basis up to Rs 4,500 for ICU day.
  • Pre-hospitalization: This policy compensates for pre-hospitalization expenses depending on the plan. Like 30 days for Basic plan, 45 days for Premium and 60 days for Optimum.
  • Post-hospitalization: As per this plan, you will be provided post-hospitalization expenses for consultations, investigations and medicines depending on the plan after discharge from the hospital. Like 60 days for Basic plan, 60 days for Premium and 90 days for Optimum.
  • Domiciliary Treatments: You can avail treatments at home depending on the Sum Insured options. You will get Rs 200 and 500 per day in Premium and Optimum plan respectively.
  • Ambulance Charges: Emergency ambulance services are covered under this insurance plan. You will get up to Rs.1,500 for Basic Plan, up to Rs.2,000 for Premium plan, and up to Rs.2,500 for Optimum plan.
  • Health Check-up: You can enjoy the benefits of free health check-up after four claim free policy years up to 1% of Sum Insured.
  • Daily Cash Allowance: Depending on the plan, you will get daily cash allowance benefits up to a specified limit.
  • Critical Illnesses: For critical illness, there will be reimbursement of Rs. 200,000 for Basic plan and additional lump sum for Optimum plan.
  • Tax Benefits: On paying premium, you will get tax benefits under Income Tax section 80D.

Exclusions of Bharti AXA Smart Health Insurance Policy

  • Initially pre-existing illnesses/diseases are not covered. It is eligible after 4 years of policy period.
  • Treatments associated to suicidal attempt, mental disorder, anxiety, depression or stress are not covered under this policy.
  • Pregnancy and childbirth are also excluded.
  • HIV/AIDS and related diseases.
  • Alcohol and drug abuse associated medical emergencies are excluded from Bharti AXA Smart Health Insurance policy.