Useful Information

Bharti

TPA Information

Smart Health Insurance Policy Individual

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