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Bharti AXA (now ICICI Lombard) Health Insurance Top-up & Super Top-up Plans

A super top-up policy covers the total of hospitalisation bills up to the maximum of super top-up plan limits beyond the threshold amount. This means that the policy covers expenses related to multiple hospitalisations in a year over the deductible amount. A deductible in super top-up policy is the threshold limit up to which the healthcare expenses are borne by the insured. The policy becomes active for subsequent claims only after the deductible is paid.

Smart Super Top-Up Insurance Policy

Smart Super Top-Up Insurance Policy offers the policyholders additional coverage for extra security at affordable premium. Available for individuals as well as families, the policy can cover children as well if they are aged between 91 days and 5 years. Children aged above 5 years can be offered an individual policy. You can purchase this policy for 1 year, 2 years, or 3 years.

Key Benefits of Smart Super Top-Up Insurance Policy

Smart Super Top-Up Insurance Policy covers the insured for sum insured options of up to Rs. 60 lakh and deductible options starting from Rs. 1 lakh. Other benefits that the policy offers the insured are listed below:

  • Cover for in-patient treatment expenses
  • Cover for domiciliary hospitalisation expenses
  • Cover for daycare treatments up to sum insured limit
  • Cover for expenses related to organ transplant
  • Tax benefits under Section 80D of the Income Tax Act, 1961

Who Can Buy This Plan?

People aged between 18 years and 65 years can buy Smart Super Top-Up Insurance Policy.

Waiting Period Under the Plan

Smart Super Top-Up Insurance Policy comes with an initial waiting period of 30 days. The policy comes with a waiting period of 48/36/24 months for treatment of pre-existing diseases and its direct complications.

Renewability of the Plan

Smart Super Top-Up Insurance Policy offers lifetime renewability benefits to the policyholders.

Exclusions Under the Plan

Smart Super Top-Up Insurance Policy does not cover the insured for the following expenses:

  • Treatment of obesity
  • Change of gender treatments
  • Self-inflicted injuries like suicide
  • Expenses incurred on unproven treatments
  • Hazardous or adventure sports like mountain climbing, etc.

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Disclaimer : Actual Premium might vary basis your location, age and number of members

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

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User Reviews

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What users are saying
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  • Price
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  • Claim
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  • Critical Illness
  • Easy Renewal Of Insurance

    I would like to thank InsuranceDekho for helping me in renewing my Bharti AXA Health Insurance Policy before the due date. The InsuranceDekho company is highly organised and structured. Moreover, the customer service team is very friendly and approachable. It’s been 2 years since I bought a Bharti AXA health insurance plan and I have never been disappointed by the InsuranceDekho company. Loved it!

    L
    Bharti AXA
    By Lalit Kumar
    On: Mar 11, 2024
  • Digital Process

    The process of buying the Bharti AXA Health Insurance plan from InsuranceDekho was possible with an online or offline process. I purchased the Bharti AXA Health Insurance Policy by the online platform of InsuranceDekho’s Website. It was easy to buy this plan, all paperworks and documentation was digital with security. Thank You! InsuranceDekho.

    S
    Bharti AXA
    By Saloni Saini
    On: Mar 01, 2024
  • Sufficient insurance coverage

    I purchased the ICICI Lombard Health Insurance Policy from the InsuranceDekho platform which provides me comprehensive and economical coverage. It gives me coverage for major healthcare expenses and also comes at an affordable premium. I recommend this to all.

    A
    Bharti AXA
    By Anita Goswami
    On: Aug 23, 2023
  • Amazing policy benefits for fa...

    I recently bought the Royal Sundaram- Lifeline Policy at InsuranceDekho and found the process smooth enough. I bought the policy for my family as it offers great coverage benefits. It offers coverage for in-patient hospitalization expenses, pre and post-hospitalization expenses, etc. 

    A
    Bharti AXA
    By Ajay Batra
    On: Aug 16, 2023
  • Quick Issue of Plans

    My heartful thanks to InsuranceDekho for helping me in buying a health insurance plan quickly. I bought Royal Sundaram- Lifeline from the company’s website. Each and every step during my purchase of the plan was quick and easy. The customer support team guided me throughout the process and elaborated all the features and benefits of the plan in detail. Recommended to all!

    M
    Bharti AXA
    By Manoj Kapoor
    On: Jul 07, 2023

Network Hospital in Popular Cities

CityNo of Hospital
Indore57
Bengaluru184
Kolkata79
Jaipur144
Faridabad49
New Delhi225
Hyderabad139
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