Smart Health Insurance Policy
A smart first step
Simple, yet comprehensive; this defines Bharti AXA’s Smart Health Insurance Policy, which provides cover for expenses incurred as a result of hospitalization.
Smart policy benefits
The policy provides for eventualities arising out of hospitalization, such as:
- Hospitalization expenses
- Domiciliary hospitalization
- Day care treatment
- Pre and post-hospitalization expenses
- Pre-existing diseases - all diseases/ illness / injuries including symptoms or conditions existing when the policy cover comes into force for the first time-after four continuous renewals with us
- Critical illness - cancer, first heart attack, coronary artery disease, coronary artery bypass surgery, heart valve surgery, surgery to aorta, stroke, kidney failure, aplastic anemia, end stage lung disease, end-stage liver failure, coma, major burns, major organ / bone marrow transplantation, multiple sclerosis, fulminate hepatitis, motor neurone disease, primary pulmonary hypertension, terminal illness, bacterial meningitis. Please refer to policy for complete terms
- Dread disease recuperation
- Transplantation of organs
- Hospital cash allowance
- Home nursing
- Ambulance charges
- In-patient physiotherapy charges
- Recovery grant
- Accompanying person’s expenses
- Parent accommodation as companion for child
- Out-patient dental emergency treatment (arising out of accident only)
Out-patient emergency treatment for accidents
Children education fund
Transportation of mortal remains
Distinctive features
The policy empowers you with a series of additional benefits, which are:
- Renewal discount - you get a 5% discount on the renewal premium for every claim-free year up to a maximum of 25%
- Benefits from income tax - premium paid for this policy is eligible for deduction under Section 80D of the Income Tax Act
- Cost of health check-up - for every block of four claim-free years of your policy with us, 1% of the sum insured will be provided towards the cost of the health check-up
Smart product options
The various covers available to you under the policy are:
- Family floater: You choose one sum for your family (you, spouse and 2 dependent children up to the age of 23 years) This sum insured covers all expenses for your family for one or more claims during the policy period
- Wide sum insured option ranging from Rs. 50,000 to Rs. 5,00,000
- Wide plan options of Smart Health Basic, Smart Health Premium, Smart Health Optimum
Eligibility
To be able to apply for this policy, you must be:
- A resident of India
- 5 years to 65 years of age (renewal up to 75 years) for the Smart Health Basic Plan
- 5 years to 60 years (renewal up to 70 years) for the Smart Health Premium Plan
5 years to 55 years (renewal up to 65 years) for the Smart Health Optimum Plan
This policy can cover a maximum of four family members comprising of you, your spouse and two dependent children (over 90 days old and up to 23 years of age)
Children between the ages of 90 days and 5 years can be covered in this policy if at least one parent is covered under the policy.
Any person aged 46 years and above or anyone with a history of pre-existing condition/disease must undergo medical tests and submit the relevant test documents.
Exclusions
Some of the major exclusions under the policy are expenses relating to:
- Pre-existing diseases - All diseases/illnesses/injuries including symptoms or conditions existing when the policy cover comes into force for the first time. This policy shall cover pre-existing diseases, illnesses or injuries after four continuous renewals with us
- Pregnancy and childbirth related complications
- Suicide, self-inflicted injury or illness, mental disorder, anxiety, stress or depression, use of alcohol or drugs
- Diseases such as HIV or AIDS
Cost of spectacles, contact lenses and hearing aids
Dental treatment or surgery of any kind unless requiring hospitalization
• Experimental or unproven treatment
Treatment by a family member, self-medication or any treatment that is not scientifically approved
• Disease that commences during the first 30 days of inception of the first policy (60 days in case of critical illness benefit)