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Bharti AXA Smart Health Insurance

91 reviews Rate This
Bharti AXA (now ICICI Lombard) Health Insurance
Smart Health Insurance Plan
Claim SettlementDedicated Team
Claim Settlement Ratio93.10%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829

About Bharti AXA Smart Health Insurance

Smart health insurance is a plan that offers medical coverage to the policyholders. The cover range up to a certain amount of sum insured, which can be availed by the insured individuals during hospitalisation due to any accident, injury or illness. In addition to bearing hospitalisation expenses, the plan renders many other benefits such as daycare, Ayush treatment, domiciliary hospitalisation, health check-ups, and so on.

The policy also gifts a No Claim Bonus (NCB) too to its policyholders. The critical illness cover is also available for the customers as an add-on component under the plan. Under one of the variants, the coverage for home nursing is also allowed up to a certain limit. In short, it can be considered as a complete package for individuals as well as families.

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Key Inclusions and Exclusions of the Plan

What's Included

  • The charges of treatment at home, if unable to get treated at the hospital, is covered
  • A health check-up is offered for every policyholder once in a block of 4 years
  • The charges pertaining to organ donation and the treatment of organ donor is covered
  • The expenses related to Emergency Surface Ambulance is insured under the health plan
  • The expenses of the person accompanying the patient are covered under the policy

What's Not Included

  • The coverage for Domestic Air Ambulance is not available under the plan
  • The expenses related to maternity is not covered under the policy
  • The charges of vaccination for animal bite is not insured under the health insurance plan
  • A dental emergency is not covered, except it's due to an accident
  • Medical expenses incurred for treatment of HIV, AIDS or related diseases

1552 Bharti AXA Cashless Network Hospitals in India

Smart Health Insurance Plan User Reviews

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What users are saying
  • All
  • This is a smart policy indeed. I am using it for more than 2 year. The customer support team of this plan is v...

    Read More
    By Yug Sinha
    On: Feb 25, 2020
  • The Smart Health Insurance policy is a relevant and great option to go with. Anyone you wants to safeguard the...

    Read More
    By Megha Deshpande
    On: Feb 25, 2020
  • This is a great plan which helped me a lot by offering the best possible medical help at affordable rates. Its...

    Read More
    By Mayuri Khanna
    On: Feb 07, 2020
  • Smart Health Insurance policy holds a wide array of benefits to offer for individuals as well as families. I h...

    Read More
    By Pinki Kumari
    On: Feb 07, 2020
  • This policy offered me very good medical coverage. The coverage it provided me ranged to the amount of sum ins...

    Read More
    By Riddhi Sinha
    On: Jan 24, 2020

Add-ons to Enhance Benefits

  • Critical Illness

    An additional amount equals to 100% of Sum Insured is provided for the treatment of critical illness.

  • Hospital Cash Allowance

    Under the add on option, the hospital cash allowance of different amount is offered as per the variant. 

Bharti AXA Smart Health Insurance Plan Expert Review

  • Expert Review

    Smart Health Insurance is Bharti AXA’s policy that helps you stay financially stable even during an unfortunate medical emergency. Be it an illness or accident that requires you to go under medical treatment, the policy provides you ultimate support so that you don’t have to worry about managing finances at a time when you can least afford to be under stress. So, if you place your trust in Bharti AXA, go for its Smart Health Insurance to secure the health and financial condition of you and your family. 

    Talking about the details to consider before you buy the policy, note that while the minimum entry age is 91 days (children) and 18 years (adults), there is no maximum entry age. Smart Health Insurance can be easily purchased on individual sum insured as well as family floater sum insured basis. Under family floater, the policy will cover you, your spouse and two dependent children (up to 23 years of age). The policy features three variants, which vary in the sum insured amounts along with features & benefits. Moreover, while the policy period for Smart Health Insurance is 1 year or 2 years, the sum insured options start from Rs. 2 Lakh to Rs. 5 Lakh. 

  • Major Attractions

    Smart Health Insurance policy has a vast array of benefits to offer. So, you can invest in the policy to get covered for hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation, day care treatment, AYUSH treatment, and countless others. One of best things about Bharti AXA’s popular policy is that it provides one with the benefit of major aspects that include- 

    • Health check-up once in a block of 4 years 
    • Accompanying person expenses of Rs. 250 for 5 days after first three days 
    • Home nursing expense Rs. 250 for sum insured Rs. 4 Lakh
    • Add-on of hospital cash allowance as per the variant opted for
    • Emergency surface ambulance charges as per the variant opted for
    • In-patient physiotherapy - 1 % of sum insured for sum insured Rs. 4 Lakh
    • Add-on of critical illness (additional 100% sum insured on hospitalisation expenses)
    • Dread disease recuperation benefit in case of critical illness as per the variant opted for
    • Parent accommodation as companion for child (Rs. 250 for 10 days after first three days - applicable for sum insured Rs. 4 Lakh)
  • What’s More?

    Bharti AXA’s, with its Smart Health Insurance, brings forth an absolute health insurance solution for individuals and their family members. Well-acclaimed for its superior features and benefits, the policy covers the policyholders in a way that they don’t have to worry, neither about their health nor financial stability. A few prime features that make Smart Health Insurance, a smart choice include- 

    • Guaranteed lifelong renewability 
    • Tax benefits under Section 80D of the Income Tax Act​
    • ​Renewal discount of 5% up to 25% on no claims made
    • Coverage for pre-existing diseases after a basic waiting period of 48 months
  • Conclusion

    To conclude, Smart Health Insurance is a great option to go with if you want to safeguard the health and wealth of your family. It is an affordable policy that provides superior coverage without breaking the bank. All in all, it is a considerable choice.

    If purchasing Smart Health Insurance seems a smart move to you, it is advisable to go ahead with its online purchase to allow quick issuance and policy transparency, something which the offline modes lacks. Next, you can choose the platform of InsuranceDekho to buy the policy and get benefits such as policy portability, claim settlement support, and multiple others that are a part of after-sales services, which the insurance broker offers for its customers’ convenience.

Bharti AXA Smart Health Insurance Plan Brochure

  • 130.53 KB
  • PDF Document
  • Apr 09, 2019

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.

FAQs on Smart Health Insurance Plan Health Insurance Plan

  • What is the waiting period for pre-existing diseases and specific diseases, under the plan?

    Under Smart Health Insurance Plan, the pre-existing diseases are covered post 48 months, while specific illnesses are covered post 24 months.

  • Does this policy cover day care treatments?

    Yes, day care procedures are covered up to the sum insured under this policy.

  • What is the Sum Insured amount offered under Smart Health Insurance Plan?

    There are three variants under the plan, where SI amounts are offered from Rs. 2 Lakh to Rs. 5 Lakh.

  • Is dread disease recuperation available in this health insurance policy?

    The expenses related to recuperation incurred by the policyholder after getting discharged from the hospital are covered, provided the insured member suffers from any of the specified critical illnesses and undergoes the treatment in the same clinic or hospital.

  • Is any discount available at the renewal premium?

    A renewal discount is offered under the plan of 5% up to maximum 25%, if no claim is made in the previous year or years.

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