Why Do You Need Bharti AXA Health Insurance?

Health insurance is designed to cover your medical expenses and give you the freedom to avail quality healthcare. It enables you to access medical treatment of the covered risks without any hassles. . In the event that you have not covered yourself and your loved ones under a health insurance plan, a medical emergency can end up becoming a financial emergency in no time. All this can be avoided by simply paying a small amount of premium.

So, why wait for an emergency to happen when you can financially safeguard yourself with a health insurance plan. .

Bharti AXA’s new-age health insurance plans are not just limited to providing coverage before, during, and after hospitalization. Our health insurance plans are intended to provide protection against medical emergencies, in-patient treatments, and day care procedures too. This ensures that your pockets do not drain due to any kind of medical emergency.

Types of Health Insurance Plans offered by Bharti AXA General Insurance

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%
  • Organ donor expenses covered up to sum insured
  • No-claim bonus up to 100% Sum Insured
  • Option to choose for critical illness cover/ hospital cash
  • Annual health check-up
  • Day care treatment up to Sum insured
  • AYUSH treatment

Smart Super
Health Assure

  • Pre & Post Hospitalisation Covered
  • Tax Benefit (Save under section 80 D)
  • Restoration of Sum Insured (100% Reload of Sum Insured at No Extra Cost)
  • Over 130 Day Care Treatments Covered
  • Ambulance Cover
  • Hospital Cash Allowance
  • Maternity Benefit
  • Critical Illness Cover
  • Annual Health Check-up
  • No Claim Bonus
  • Organ Donor Cover
  • Lifelong Renewability

Policy's Coverage (Inclusions)

Smart Super Health
Insurance Plan

  • Annual health check-ups
  • Option to choose for critical illness cover/hospital cash
  • In-patient treatment : Up to sum insured
  • Pre-hospitalization - 60 Days : Up to sum insured
  • Post-hospitalization- 90 Days : Up to sum insured
  • Organ donor : Up to sum insured
  • Day care treatment : Up to sum insured as per listed provided in policy document
  • Ayush treatment : Up to sum insured
  • Domiciliary hospitalization : Up to sum insured
  • Restoration of sum insured : Up to 100% of sum insured
  • Emergency surface ambulance charges : ₹3000/event
  • Convalescence benefit : As per specified limit and plan opted
  • Outpatient emergency treatment (accident only): As per specified limit and plan opted
  • Animal bite (vaccination): As per specified limit and plan opted
  • Domestic air ambulance (max once in a policy year / per life): As per specified limit and plan opted
  • Outpatient dental emergency (arising out of accident only): As per specified limit and plan opted
  • No claim bonus:
    - For age<45 yrs. 50% of expiring policy sum insured not exceeding 100%
    - For age>45 yrs. 20% of expiring policy sum insured not exceeding 100%
  • Hospital cash allowance (up to maximum up to 30 days with one day deductible): As per specified limit and plan opted
  • Maternity benefit:
    - Maternity benefit with 9 month waiting period, up to first 2 deliveries/mtp in lifetime ( available only with 3 yr. Policy term)
    - New born baby for first 90 days
  • Lump sum benefit for critical illnesses (over and above sum insured

* Please refer to the policy wording for detailed summary of product feature and benefits.

Smart Super
Health Assure Policy

  • In-patient treatment : Up to sum insured
  • Pre-hospitalization - 60 Days : Up to sum insured
  • Post-hospitalization- 90 Days : Up to sum insured
  • Annual health check-ups
  • Organ donor : Up to sum insured
  • Day care treatment : Up to sum insured as per list provided in policy document
  • AYUSH treatment : Up to sum insured
  • Domiciliary hospitalization : Up to sum insured
  • Restoration of sum insured : Up to 100% of sum insured
  • Emergency surface ambulance charges : RS 3000/event
  • Hospital cash allowance (up to maximum of 30 days with one day deductible):As per specified limit and plan opted
  • Maternity benefit :
    - Maternity benefit with 9 month waiting period, up to first 2 deliveries/mtp in lifetime (available only with Family Floater Policy 3 yr. Policy term)
    - New born baby for first 90 days
  • Lump sum benefit for critical illnesses (over and above sum insured)

Exclusion & Waiting Period

Smart Super Health
Insurance Plan

  • Initial waiting period: 30 days for all illnesses
  • 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 the 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 while performing duties as a serving member of a military or a police force
  • Any illness or injury directly or indirectly resulting in or arising from or occurring during the commission of any breach of any law by the insured person with criminal intent

*Please refer to the policy wording for detailed summary of product feature and benefits.

Smart Super
Health Assure Plan

  • Smart Super Health Assure Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
  • 24 months for the specific diseases or illness or procedures/surgeries (refer to the policy wordings for entire list)
  • Pre-existing diseases covered after 48 months
  • Maternity expenses: Where maternity cover is opted, waiting period until 9 months since the inception of the first Policy with the Company
  • Internal Congenital Anomalies are covered after a waiting period of 48 months
  • Genetic disorders are covered after a waiting period of 48 months
  • Critical Illness – 60 days waiting period and 30 days survival period
  • 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 while performing duties as a serving member of a military or a police force
  • Any illness or injury directly or indirectly resulting in or arising from or occurring during the commission of any breach of any law by the insured person with criminal intent.

Benefits Of Having Health Insurance

Comprehensive
Range Of Medical Cover Up To Rs. 1 Crore

Get Deduction Under
Section 80D

Cashless
Hospitalization Across
4500+ Network Hospitals

24/7
Claim
Assistance

Why Bharti AXA?

1.3 Million
Policies issued

PAN India
Cashless Network
Hospital

98.27%
Claim-Settlement
Ratio

152 Branches
across India

Policy Name:
Smart Super Health Assure

UIN:
BHAHLIP20108V011920

Download policy brochure
Policy Wording

Policy Name:
Smart Super Health Insurance

UIN:
BHAHLIP18014V011718

Download policy brochure
Policy Wording

IRDAI Registration N0.139
CIN-U66030KA2007PLC043362

Secure Payment Gateways


Trade Logos displayed in the document belongs to Bharti Enterprises (Holding) Private Ltd and AXA SA respectively and used by Bharti AXA General Insurance Company under license. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Bharti AXA General Insurance Company Limited. First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore-560052.
Email: customer.service@bhartiaxa.com
Toll Free Number: 1800-103-2292

Get Quote