LHS Art Banner

Bharti AXA Smart Health Insurance Policy-Brochure

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

Article banner

The policy provides for eventualities arising out of hospitalization, such as:

  1. Hospitalization expenses
  2. Domiciliary hospitalization
  3. Day care treatment
  4. Pre and post-hospitalization expenses
  5. 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
  6. 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
  7. Dread disease recuperation
  8. Transplantation of organs
  9. Hospital cash allowance
  10. Home nursing
  11. Ambulance charges
  12. In-patient physiotherapy charges
  13. Recovery grant
  14. Accompanying person’s expenses
  15. Parent accommodation as companion for child
  16. 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


To be able to apply for this policy, you must be:

  1. A resident of India
  2. 5 years to 65 years of age (renewal up to 75 years) for the Smart Health Basic Plan
  3. 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.


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)


Email Id
Your Comments

By Raj kiran seth on Aug 1, 2015 2:41 PM

I want mediclaim policy for pmy family. My self 59yrs Wife 58.yrs girl 23yrs mediclaim policy for Rs 5lakh.floater. for my small family. R.k.seth.9871672409. 011 23841378
By Devendra Kumar Verma on Aug 1, 2015 2:24 AM

Please provide the scheme of health insurance policy self spuse and 2 childrens.min.and max.policy scheme and prrimium
By rajdeep sharma on Apr 18, 2015 11:38 AM

please sent the browser for 500000 health insurance
By shrikant ghuge on Mar 16, 2015 8:58 AM

i am 48 years old i want to know premium for 2 and 3 lac for 1 and 2 adults
By ramesh kumar haldiya on Mar 2, 2015 11:09 AM

i am 59 years and my wife is 55 years. let me know the premium for 4 and 5 lakh cover under smart health insurance policy through email id.
By munish madhok on Feb 1, 2015 7:29 PM

I want to know the amount of premium of 3 lack medical policy
By jenitha on Jan 25, 2015 4:07 PM

i want to know the amount of premium for family package ( 4 members ) for 2 lakhs paln please reply to my id
By H S SANJAYDEEP on Apr 12, 2014 1:01 PM

sir,i want to buy a family flotter policy of 2 to 5 lakhs amount and buying this policy can i go for treatment if any type of disease will occure same time or pre existing disease...plz tell me in details what is benefits of family floater policy
By RADHEYSYAM K. CHOUTALE on Apr 11, 2014 5:22 PM

Namaste. Sir We want my all family member total 5 How mach charge for 1 year mixmum & minimum pls send my email ID
By Dr. Prathosh Gangadhar on Oct 27, 2013 9:03 PM

I do have a query regarding of which I am interested in Bharti AXA General Insurance Company Limited[Smart Health - Optimum floater].. But your site mentioned it to be life long renewal plan but brochure mention some age limit(65 ) , again brochure given only in this site and no details of this policy available from Bharti AXA official site.. with regards Prathosh
By pawan kumar on Dec 3, 2011 5:16 PM

short premium of 2A+1C,SA-100000,so i request you any replay,thanx
By rakesh on Apr 16, 2011 5:55 PM

i want to buy mediclaim policy for my family
By rakesh on Apr 16, 2011 5:55 PM

i want to buy mediclaim policy for my family
Did you know?
Medimanage is the only Dedicated Health Insurance Broker in India.
Medimanage has managed more than 25000 claims end-to-end.
Medimanage insures more than 2 Lakh lives every year.
This is in reference to the recent claim that was handled by Sachin Poojary. He is a thorough professional who has handled the entire claim from start to end without any hassles. Not once did I have to go back to him to check the status on my ticket. He responds in a timely manner and without accurate information. His timelines provided were not over committing and he has been updating me regularly on the status of the claim which is highly appreciated. Please recognize his efforts to make Medi Manage a better organization by providing his best efforts and ensuring client satisfaction.
Dattatray Ankola

RHS Art Banner