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.

Bharti AXA Smart Health Essential Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.10%
COVID-19 Cover	Yes
Network Hospitals	4,500+
Policies Sold	21,829
Renewability	Lifelong

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Bharti AXA (now ICICI Lombard) Health Insurance Plan List

Family (2)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Smart Health Insurance PlanMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Smart Health Essential PolicyMin: 91 days; Max: 65 years		Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years	1 Lakh - 4 Lakh	Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years	10000; 20000	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50000 - 2.5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Smart Super Health PlanMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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

Name of Plan	Sum Insured
Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years	5 Lakh	Check Premium

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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

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Bharti AXA (now ICICI Lombard) Health Insurance
18001024444Mon to Sat 9 AM to 7 PM
service@bharti-axalife.com