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Bharti AXA Smart Super Top-up Health 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 (2)
  • Individual (2)
  • Critical Illness (1)
  • Kids (1)
  • Maternity (1)
  • Parents (1)
  • Senior Citizen (1)
  • Woman (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
Smart Health Essential PolicyMin: 91 days; Max: 65 years Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years1 Lakh - 4 Lakh Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years10000; 20000 Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50000 - 2.5 Lakh Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Check Premium
Smart Super Health PlanMin: 91 Days; Max: 65 Years5 Lakh 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

    FAQs on Smart Super Top-up Insurance Policy Health Insurance Plan

    • What all am I covered for under Smart Super Top-up Policy offered by Bharti AXA General Insurance?

      Smart Super Top-up Policy offered by Bharti AXA General Insurance offered by Bharti AXA General Insurance covers you for the following expenses: 

      • In-patient hospitalisation expenses 
      • Domiciliary hospitalisation expenses
      • Optional covers like daycare treatment expenses, treatments taken under AYUSH systems of medicines, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, etc.
    • Can I pay the premium for this policy in installments?

      Yes. You can pay the premium for this policy in yearly, quarterly, half yearly, or monthly installments. 

    • What are the waiting periods under Smart Super Top-up Policy offered by Bharti AXA General Insurance?

      Smart Super Top-up Policy offered by Bharti AXA General Insurance comes with the following waiting periods: 

      • Waiting period of 24/36/48 months for pre-existing diseases
      • Waiting period of 12/24 months for specified illnesses
      • Waiting period of 60 days for critical illnesses and a survival period of 30 days. 
    • What are the wellness and value added services offered under this policy?

      Following wellness rewards are offered under Smart Super Top-up Policy offered by Bharti AXA General Insurance:

      • Wellness rewards including health risk assessment, voluntary health check up, active membership for programs that keep you fit like gym membership, etc. 
      • Wellness management services including health coach to monitor your day to day well being, chronic condition screening, condition specific care, etc. 

       

    • What are the optional covers under Smart Super Top-up Policy offered by Bharti AXA General Insurance?

      Smart Super Top-up Policy offered by Bharti AXA General Insurance comes with the following optional covers:

      • Daycare treatment expenses
      • Pre-hospitalisation and post-hospitalisation expenses
      • Organ donor expenses
      • Surface ambulance expenses
      • AYUSH treatments
      • Dental treatments
      • Home nursing coverage
      • Renewal incentive
      • Wellness and value added services
      • Switch benefit
      • Deductible incentive
      • Non payable items
      • Sum insured enhancement 
      • Hospital daily cash
      • Emergency hospitalisation (worldwide basis)
      • Convalescence benefit
      • Health check-up
      • Personal accident
      • Critical illness
      • Air ambulance

    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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