Health Insurance

Our health insurance plans are designed to meet all your needs and contribute to your tax saving investments.

Key Benefits

20 main critical illnesses covered
Hospitalization expenses
Domiciliary hospitalization
Day-care treatment
Pre and post- hospitalization expenses
Up to 11 different value-added benefits
Dedicated Claims Handler for health insurance claims

Well-being of your loved ones is important, this is why Bharti AXA is the first health insurance in India to offer you a full Lifestyle insurance, covering not only your health expenses but also granting you a lump sum payment to pay your loans, EMIs, etc. This is what we call Lifestyle Protection Solution. Visit our adds-on tab to read more

Compare our plans now to find out the best health insurance for you and your family

Product Brochure

Policy Document

Glossary

BENEFIT STRUCTURE - SmartHealth Insurance - OPTIMUM

S.No

Benefits

Option 1

Option 2

Option 3

Option 4

Option 5

1	A. Hospitalisation (Subject to room rent limit)*	Rs. 1,00,000	Rs. 2,00,000	Rs. 3,00,000	Rs. 4,00,000 (No room rent limit)	Rs. 5,00,000 (No room rent limit)
	B. Coverage of pre-existing diseases (Upto sum insured)
	C. Pre-Hospitalisation for a period of 60 days (Upto Sum Insured)
	D. Post-Hospitalisation for a period of 90 days (Upto Sum Insured)

Day Care Treatment (Upto Sum Insured)

Domiciliary Treatment

Rs. 10,000

Rs. 20,000

Rs. 30,000

Rs. 40,000

Rs. 50,000

4	Critical Illness (Separate & Additional sum insured)	Rs. 1,00,000 (On hospitalization of insured)	Rs. 2,00,000 ( On hospitalization of insured)	Rs. 3,00,000 (As lump sum amount)	Rs. 4,00,000 (As lump sum amount)	Rs. 5,00,000 ( As lump sum amount)
5	Dread Disease Recuperation Benefit (Max of 60 days)	Rs. 500 per day	Rs. 500 per day
6	Transplantation of Organs	Rs. 20,000	Rs. 40,000

Hospital Cash Allowance
(For 30 days after first 3 days )

Rs. 500 per day

Rs. 750 per day

Rs. 1,000 per day

Home Nursing
(For 10 days after first 3 days )

Rs. 500 per day

Ambulance Charges

Rs. 2,500

Inpatient Physiotherapy

Rs. 2,000

Rs. 4,000

Rs. 6,000

Rs. 8,000

Rs. 10,000

Recovery Grant

Rs. 12,500

Accompanying Person Expenses
(For 10 days after frist 3 days)

Rs. 250 per day

Parent Accommodation as Companion for Child
(For 30 days after first 3 days)

Rs. 250 per day

Out-patient Dental Emergency Treatment (Accidents only)

Rs. 1,000

Rs. 2,000

Rs. 3,000

Rs. 4,000

Rs. 5,000

Out-patient Emergency Treatment for Accidents

Rs.2,000

Rs.4,000

Rs.6,000

Rs.8,000

Rs.10,000

Children's Education Fund

Rs. 1,000

Rs. 2,000

Rs. 3,000

Rs. 4,000

Rs. 5,000

Transportation of Mortal Remains

Rs. 1,000

Rs. 2,000

Rs. 3,000

Rs. 4,000

Rs. 5,000

* Option 1- Normal hospitalisation - Rs 1,000 ; Intensive Care Unit(ICU)/Critical Care Unit (CCU) Rs. 2,500 per day
Option 2- Normal hospitalisation - Rs 2,000 ; Intensive Care Unit(ICU)/Critical Care Unit (CCU) Rs. 3,000 per day
Option 3- Normal hospitalisation - Rs 3,000 ; Intensive Care Unit(ICU)/Critical Care Unit (CCU) Rs 4,500 per day

DEDICATED CLAIMS HANDLER FOR HEALTH INSURANCE


	Health insurance should protect you during emergencies from medical costs rather than make you run pillar to post for claims settlement. We, at Bharti AXA General Insurance, bring to you Dedicated Claims Handler who will take care of all your claim processing needs telephonically to make the entire process smooth and easy.

	One point contact Simplifies the claims process Handles paperwork Speeds up claim settlement

	How Bharti AXA Claims Handler helps you



	Disclaimer
	Role of Bharti AXA Dedicated Claims Handler is limited only to helping the claimants in filling the forms, arranging to collect the documents from the claimant, and providing information about the status of claim on an ongoing basis, if requested by the claimant. While our claims handler will facilitate the submission of the claims document for processing, the claim itself will be paid only if admissible under the terms and conditions of the policy. Claim processing is subject to submission of all relevant documents by Claimant as required by the Company. This service is not applicable under a Group Insurance policy. This service is available only within India.
	Dedicated Claims Handler service is done telephonically for general insurance customers. For more details on risk factors, terms and conditions please read sales brochure of products carefully before concluding a sale.

Health Insurance

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