Useful Information

Bharti

TPA Information

Smart Health Insurance Policy Floater

Synopsis:

Bharti AXA s SmartHealth Critical Illness policy is simple yet comprehensive policy which covers all expenses incurred as a result of critical illnesses.

Highlight:

  • Comes with Unique Feature - In-built critical illness cover.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
  • Life long policy renewal is available.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Wide sum insured option ranging from Rs. 2,00,000 to Rs.5,00,000.
  • No medical check-ups required up to 55 years (on select plans).
  • Single policy for the entire family (Insured, spouse and two children).

Benefit:

Title
Description
Room Rent Limit
Upto S.I (subject to limits Specified)
Room Rent Limit
Upto S.I (subject to limits Specified)
Pre-Hospitalization Expenses
30 Days
Pre-Hospitalization Expenses
30 Days
Post Hospitalization Expenses
60 Days
Post Hospitalization Expenses
60 Days
Minimum Hospitalization Period
24 Hrs
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
Yes ( Upto S.I)
Day Care Procedure Coverage
Yes ( Upto S.I)
Additional Cover for Critical Illness
Yes (reimbursement basis on hospitalization of insured)
Additional Cover for Critical Illness
Yes (reimbursement basis on hospitalization of insured)
Pre-Existing Disease / Illness coverage
After 48 months
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
30 Days
Waiting Period for New Policy
30 Days
Medical Screening
Required as per S.I opted under Basic/Premium/Optimum plan
Medical Screening
Required as per S.I opted under Basic/Premium/Optimum plan
Free Health Checkup
After 4 claim free years.
Free Health Checkup
After 4 claim free years.
Ambulance Expenses
Upto Rs.1500
Ambulance Expenses
Upto Rs.1500
Daily Hospitalization Allowance
Rs.250 per day max.10 days
Daily Hospitalization Allowance
Rs.250 per day max.10 days
Donor Expenses
Upto Rs.50,000 (over & above S.I)
Donor Expenses
Upto Rs.50,000 (over & above S.I)
Attendant Allowance
Rs.250 per day max.5 days
Attendant Allowance
Rs.250 per day max.5 days
Nursing Allowance
Rs.50,000
Nursing Allowance
Rs.50,000
No Claim Discount
5%, max. upto 25%
No Claim Discount
5%, max. upto 25%