Simple, yet comprehensive; this defines Bharti AXA’s SmartHealth  Insurance Policy, which can cover your immediate family for hospitalization expenses.

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

1. Hospitalisation expenses

2. Domiciliary hospitalization

3. Day care treatment

4. Pre and post-hospitalisation 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 anaemia, end stage lung disease, end-stage liver failure, coma, major burns, major organ / bone marrow transplantation, multiple sclerosis, fulminant hepatitis, motor neuron disease, primary pulmonary hypertension, terminal illness, bacterial meningitis. Please refer to policy for complete terms and conditions

a. Dread disease recuperation

b. Transplantation of organs

A host of value-added benefits are also on offer:

1. Hospital cash allowance

2. Home nursing

3. Ambulance charges

4. In-patient physiotherapy charges

5. Recovery grant

6. Accompanying person's expenses

7. Parent accommodation as companion for child

8. Out-patient dental emergency treatment (arising out of accident only)

9. Out-patient emergency treatment for accidents

10. Children education fund

11. Transportation of mortal remains

The policy empowers you with a series of additional features, which are:

1. Family Floater Feature - Cover your family (Yourself, spouse and two dependent children upto the age of 23 years) under a single policy.

2. Renewal discount - you get a 5% discount on the renewal premium for every claim-free year upto a maximum of 25%

3. Benefits from income tax - premium paid for this policy is eligible for deduction under Section 80D of the Income Tax Act

4. 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

For your benefit, we have packaged the different covers into three different plan options:

SmartHealth Basic

SmartHealth Premium

SmartHealth Optimum

Each of these plans have different Sum Insured to choose from:

Basic : Rs. 50,000 (for 1 Individual only), 1 Lakh , 2 lakhs, 3 Lakhs and 5 Lakhs

Premium : 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs and 5 Lakhs

Optimum: 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs and 5 Lakhs

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 SmartHealth Basic Plan

5 years to 60 years (renewal up to 70 years) for the SmartHealth Premium Plan

5 years to 55 years (renewal up to 65 years) for the SmartHealth Optimum Plan

This policy can cover

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 hospitalisation

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)

Certain named chronic diseases (cataract, piles, congenital internal disease, dialysis for chronic renal failure, hysterectomy, joint replacement surgery, unless caused by accident. (Please refer to policy for complete list) during the first two years of continuous cover with us. In case these diseases are pre-existing in nature, they shall be covered as per the waiting period applicable for pre-existing conditions

Treatment taken from a person not registered as medical practitioner

Any hospitalisation expenses incurred outside India

Any other personal exclusion mentioned in the policy schedule

This is not an exhaustive list. For a detailed list of the exclusions, please read our policy terms and conditions.