ICICI Lombard Smart Super Health Insurance

This benefit provides cover for the expenses for the delivery of a baby and/or expenses related to medically recommended lawful termination of pregnancy, limited to a maximum of two deliveries or terminations. This benefit is available under a family floater policy and is available for insured/insured’s spouse provided both are covered under the same policy. This benefit also covers the newborn baby’s inpatient treatment expenses within the first 90 days of birth.

Under this benefit, a lump sum amount is paid if the insured is diagnosed with any of the listed critical illnesses under the policy, 60 days after the inception of the policy, and survived for more than 30 days post such diagnosis. The amount is paid only once in a lifetime of the insured and after being paid the benefit stands lapsed.   

Smart Super Health Insurance has been specifically designed to cater to the diverse medical needs of families that require extensive coverage. If your medical requirements include coverage for room rent, pre-hospitalisation, post-hospitalisation, day care treatment, AYUSH treatment, organ donor expenses, domiciliary hospitalisation, and health check-up, this policy would definitely meet your requirement perfectly. Talking about other prime benefits, the list includes- 

• ​Domestic air ambulance (Uber variant only)
• Restoration of sum insured, up to 100% of sum insured
• Emergency Surface Ambulance Charges of Rs. 3000 per event 
• Add-on of Hospital Cash Allowance; as per the variant opted for
• Convalescence Benefit (available in Classic and Uber variants)
• Optional cover for maternity benefit and newborn baby expenses 
• Vaccination expenses in case of animal bite (available in Classic and Uber variants)
• Out-patient Dental Emergency Treatment (accidents only) - Available in Uber variant
• Out-patient Emergency Treatment for Accidents (available in Classic and Uber variants)
• Add-on of critical illness where critical illness sum insured opted should not be more than the sum insured  

Smart Super Health Insurance is definitely an extension to Smart Health Insurance. The policy not only offers a wide coverage, maternity benefit and various other benefits, but also covers preexisting diseases after 48 months of waiting period. Regarding what makes the policy a complete package, learn that the key aspects of Smart Super include-

• Lifelong renewability
• No capping on room rent
• Tax benefits under Section 80D of the Income Tax Act
• Option to choose for critical illness cover or hospital cash

To conclude, Smart Super Health Insurance is a smart investment to make if you want to ensure good health and financial stability even in a medically challenging situation. If this policy suits your medical needs, go for it without giving it a second thought.

Talking about the purchase process, you can choose the online mode of purchase so that your policy gets issued quickly and gives you a clear idea of terms and conditions. Furthermore, opting for InsuranceDekho will be a great move to make to avail benefits like policy portability, claim settlement support, and multiple others after-sales services, which may be difficult to find elsewhere.

Bharti AXA Smart Super Health Plan are available in three variants, Value, Classic and Uber with varied sum assured options i.e. Value: Rs. 5 Lakh, Rs. 7.5 Lakh; Classic: Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh; Uber: Rs. 20 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 60 Lakh, Rs. 70 Lakh, Rs. 80 Lakh, Rs. 90 Lakh and Rs. 1 Crore.

The entry age ranges between 5 years and 65 years for an individual and children between 91 days and 5 years can be covered provided either parent is insured under the plan.

There is no room rent capping under the plan and the insured can choose any room for treatment at the hospital.

In case of an emergency, the air ambulance transport is covered where the patient is transported from the site of the emergency to the nearest hospital.