The Exclusions & Waiting Periods
| Inclusions | Exclusions |
|---|---|
|
Smart Super Health Insurance Policy Pre-existing diseases: Covered after 48 Months. 24 months for the specific diseases or illness or procedures/surgeries (refer to the Policy wordings for entire list) Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents) Maternity expenses: where maternity cover is opted, waiting period until 9 months since inception of the first Policy with the Company. Critical Illness – 60 days waiting period and 30 days survival period. Internal Congenital Anomalies are covered after a waiting period of 48 months Genetic disorders are covered after a waiting period of 48 months. War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. Disease/ Illness/ Injury whilst performing duties as a serving member of a military or a police force. Any Illness or Injury directly or indirectly resulting or arising from or occurring during commission of any breach of any law by the Insured Person with criminal intent. |
Smart Health Insurance Policy Pre-existing diseases: Covered after 48 Months. 24 months for the specific diseases or illness or procedures/surgeries (refer to the Policy wordings for entire list) Any benefit under Critical Illness Section within 30 days from the date of inception in case of benefit plan and 60 days from the date of inception in case of reimbursement plan. Hospitalization expenses incurred for treatment undertaken for disease or illness and/or for critical illness within 30 days of the inception date of this Policy. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or, as may be necessitated due to an accident. Dental treatment or surgery of any kind unless requiring hospitalization. Birth control procedures, hormone replacement therapy, treatment arising from or traceable to pregnancy, childbirth including caesarean section and voluntary medical termination of pregnancy during the first 12 weeks from the date of conception. However, this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending Medical Practitioner. |
With health insurance, you and your family are medically covered at an affordable premium.
Our Two Major Health Insurance Plans
Medical emergencies can strike at any time. The best you can do is choose a coverage that helps you stay protected against the unexpected.
Smart Super Health Insurance Policy
Wide Coverage from Rs. 5 Lakh to Rs. 1 Cr.
No capping on room rent
Pre and Post-Hospitalization of 60 days and 90 days
Restoration of Sum Insured up to 100%
Maternity Benefit with 9 month waiting Period for policies of 3 year Premium paying term
No-Claim Bonus up to 100% of Sum Insured
Annual Health Check-Up
Organ Donor expenses covered up to Sum Insured
Option to choose for Critical Illness Cover/Hospital Cash
Smart Health Insurance Policy
Coverage up Rs. 5 Lakh
Renewal Discount of 5% up to 25% on no claims made
Inbuilt Critical Illness Cover
Dread disease Recuperation Benefit in case of critical illness.
| Sum insured |
Smart Super health Insurance Plan
|
Smart health Insurance Plan
|
|||||||||||||||||||
| Room Rent (per day) |
Upto SI. No Cap Upto SI. No Cap Upto SI. No Cap |
As per the plan opted, for complete details, refer policy wordings | |||||||||||||||||||
| Pre-Hospitalisation |
Upto SI - 60 days Upto SI - 60 days Upto SI - 60 days |
Up to SI for 30 - 40 Days, please refer to the policy wordings. | |||||||||||||||||||
| Post Hospitalization |
Upto SI - 90 days Upto SI - 90 days Upto SI - 90 days |
Upto SI - 60 days | |||||||||||||||||||
| Restoration of Sum Insured |
Upto 100% of S.I Upto 100% of S.I Upto 100% of S.I |
NA | |||||||||||||||||||
| Day Care Treatment |
Upto SI Upto SI Upto SI |
Upto SI | |||||||||||||||||||
| AYUSH Treatment |
Upto SI Upto SI Upto SI |
Upto SI | |||||||||||||||||||
| Domiciliary Hospitalization |
Upto SI Upto SI Upto SI |
10% of Sum Insured | |||||||||||||||||||
| Maternity Benefit (Optional)
Maternity benefit with 9 month waiting period, upto first 2 deliveries/MTP in lifetime ( available only with 3 yr. policy term) New Born Baby for first 90 days
|
Rs.35,000 - Maternity Rs.50,000 - Maternity Rs.75,000 - Maternity Rs.1,00,000 - Maternity |
NA | |||||||||||||||||||
| Domestic air ambulance
max once in a policy year / per life
|
Not Available Not Available upto Rs. 1,00,000 upto Rs. 2,00,000 |
NA |
| Smart Super Health Insurance Plan | Smart Health Insurance Plan |
| Initial waiting period: 30 days for all illnesses
Not applicable on renewal or for accidents
|
Pre-existing diseases: Covered after 48 Months |
|
24 months for the specific diseases or illness or procedures/surgeries
Refer to the Policy wordings for entire list
|
24 months for the specific diseases or illness
This is also applicable for procedures/surgeries. Refer to the Policy wordings for entire list
|
| Pre-existing diseases: Covered after 48 Months | Any benefit under Critical Illness Section
This is within 30 days from the date of inception in case of benefit plan and 60 days from the date of inception in case of reimbursement plan
|
| Maternity expenses: Covered but has waiting period until 9 months
This is since inception of the first Policy with the Company
|
Hospitalization expenses incurred for treatment undertaken for disease or illness
This is also and/or for critical illness within 30 days of the inception date of this Policy
|
| Critical Illness – 60 days waiting period and 30 days survival period | Circumcision unless necessary for treatment of a disease
It is also for illness or injury not excluded hereunder, or, as may be necessitated due to an accident
|
| War (whether declared or not)
War like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds
|
Dental treatment or surgery of any kind unless requiring hospitalization. |
| Any Illness or Injury directly or indirectly resulting or arising
This is only if it occurs during commission of any breach of any law by the Insured Person with criminal intent
|
Birth control procedures, hormone replacement therapy
Also any treatment arising from or traceable to pregnancy, childbirth including caesarean section and voluntary medical termination of pregnancy during the first 12 weeks from the date of conception. However, this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending Medical Practitioner
|
| Disease/ Illness/ Injury
This is whilst performing duties as a serving member of a military or a police force
|
|
| For detailed list of coverages, sublimits, deductible etc. please refer to the Policy Wordings | |
Smart Health Zone
Your health means a lot to you, isn’t it? That’s why, we have created a perfect and unique learning space just for you. Head over to know how you can take good care of your health and suitably insure it..
Love at First Try with Bharti AXA Health Insurance
Adopting a healthy lifestyle is in your hands. But, there are some things in life that are beyond your control. And for that, we can be the ideal companion to your financial health.
1.3 Million Policies issued
Yes, that’s right. We have delivered that many policies at the snap of a finger. Our instant and simple policy issuance process makes buying insurance online, a breeze.
PAN India Cashless Network Hospital
Hospitalization can get financially stressful with hefty bills to pay. Moreover, it’s also emotionally taxing. We agree. Just seek admission in any of our cashless network hospitals that is nearest to you. We’ll directly settle the bills with the hospital. Life’s simpler, isn’t it?
98.27% Claim-Settlement Ratio
We understand that you’re already stressed when the need for filing a claim arises. But you can still stay calm as we’ve made our claim process a cake-walk. Our team of dedicated claim handlers work round-the-clock to ensure your claim is successfully settled.
101 Branches across India
When we make you a promise to have you covered, we work to live up to it. That’s why we have spread our presence all across the nation so that you can easily find your nearest branch. We just want to be there for you at all times.
Hospitalization
If you are admitted to a cashless or non-cashless hospital, your medical treatment expenses are either directly paid by us to the hospital or reimbursed to you.
Pre- and post-hospitalization expenses
All expenses such as diagnosis, doctor’s fees, medicines, etc. for your treatment before hospitalization as well as after hospitalization are covered.
Sum assured Flexibility
As per your requirement, you can choose from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh sum assured plans. These are variants of our smart health insurance policy.
Unlimited Room Rent
Some plans even offer luxury room rent so that you can get treated in a hospital room setup of your choice.
Tax benefits
Under Section 80 D of the Income Tax Act, enjoy tax benefits of up to Rs. 25,000 and even Rs. 30,000 in case of senior citizens.
Pre-existing diseases
As mentioned in the policy document, certain pre-existing diseases are covered only after completion of specific waiting period from starting date of policy.
Benefits up to sub-limits
Up to certain limit of sum insured, you get extra benefits of hospital cash allowance, home nursing allowance, and reimbursement charges for in-patient physiotherapy and ambulance.
Additional features
Get discount that is equivalent to 5% of renewal premium each year. Also get reimbursement of medical check-up expenses at the end of four continuous years.