Simple, yet comprehensive; this defines Bharti AXA's SmartHealth Essential Insurance policy, which provides compensation in the unfortunate event of hospitalisation, of you and/or your dependant family. The policy can also be offered to a group of individual, association of persons / other groups / employers to cover their employees etc.

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

• Payment of daily cash allowance, for the days of hospitalisation, during the policy period beyond a specified number of days
• In case of ICU admission, the daily hospital cash limit becomes automatically doubled. This is applicable for five days, after the first three days (For Plans B and C)
• Benefit applicable irrespective of the number of times you're hospitalized during the policy period, subject to the Sum Insured available
• Income tax deduction benefit, Sec 80 D as per the Income Tax Act
• Renewal discount equivalent to 5% of the renewal premium, every year, upto a maximum of 25%, provided that there are no claims in the expiring year
• Claims assistance by a Third Party Administrator

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

1. A resident of India, in the age group of 3 months to 65 years (renewable up to 75 years). Persons between the age of 56 years to 65 years or suffering from any preexisting condition/disease/injury need to undergo medical examination.

2. This policy can cover a maximum of four family members comprising of you, your spouse and two dependent children. (Over 90 days old and upto 23 years of age)

Some of the major exclusions under the policy are:

Pre-existing diseases / illness / injury /conditions

Medical expenses incurred for treatmentundertaken within 30 days of the inception date of this Policy

Treatment of Cataract, Benign Prostatic Hypertrophy, Myomectomy, Dilatation and curettage, Hernia, Hydrocele, Congenital Internal disease, Fistula in anus, Sinusitis among others, during the first year of the operation of the Policy.

Treatment traceable to pregnancy or childbirth

Treatment of mental disease / illness, stress, psychiatric or psychological disorders

Treatment by a family member and selfmedication or any treatment that is not scientifically recognized

Treatment from persons not registered as medical practitioners under respective medical councils

Any criminal act

War, terrorism and nuclear group of perils

Acquired Immuno Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS), and all diseases / illness / injury caused by and/or related to HIV

Vitamins and tonics unless forming a part of treatment for disease, illness or injury