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Bharti AXA Smart Health Essential Insurance Wordings

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio93.10%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829
RenewabilityLifelong

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Bharti AXA (now ICICI Lombard) Health Insurance Plan List

  • Family (1)
  • Individual (1)
  • Critical Illness (1)
Name of PlanSum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Smart Health Insurance PlanMin: 91 Days; Max: No Limit2 Lakh Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50000 - 2.5 Lakh Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years10000; 20000 Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years1 Lakh - 4 Lakh Check Premium
Smart Health Essential PolicyMin: 91 days; Max: 65 years Check Premium

Bharti AXA (now ICICI Lombard) Health Insurance Top Up List

    Name of PlanSum Insured
    Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years5 Lakh Check Premium

    Bharti AXA Cashless Network Hospitals in India

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    FAQs on Smart Health Essential Policy Health Insurance Plan

    • What is the payment basis for Smart Health Essential Insurance Policy?

      The payment for Smart Health Essential Insurance Policy is made on a benefit basis. 

    • What are the renewal conditions for Smart Health Essential Insurance Policy?

      Smart Health Essential Insurance Policy comes with lifetime renewability benefits, provided the renewal premium is paid timely on the due dates, without any policy lapse.  

    • What are the waiting periods under Smart Health Essential Insurance Policy?

      Smart Health Essential Insurance Policy comes with the following waiting periods: 

      • Pre-existing diseases: 48 months
      • Hospitalisation expenses for sickness/illness/disease/injury: 30 days from the date of commencement of the policy
      • Waiting period for specific illness/sickness/diseases/injury: 24 months

    • Can I buy Smart Health Essential Insurance Policy on a family floater basis?

      Yes. You can buy Smart Health Essential Insurance Policy on an individual or family floater basis. On an individual basis, the sum insured shall be available for each family member, whereas on a family floater basis, one sum insured shall be applied to the entire family. 

       

    • What is the eligibility for Smart Health Essential Insurance Policy?

      Smart Health Essential Insurance Policy can be purchased by people aged between 91 days and 65 years, beyond 65 years, only renewals are allowed. 

    Claim Process at Bharti AXA (now ICICI Lombard) Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    Bharti AXA (now ICICI Lombard) Health Insurance Contact Details

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