Health Plans
- Cashless hospitalization at 4300+ hospitals across India
- Day-care procedures
- Pre and post hospitalization expenses
- Double sum insured if diagnosed with any of the 20 main critical illnesses (on selected health plans)
- Unlimited room rent (on selected health plans)
- Lifetime renewal
- Tax benefit under section 80 (D) up to Rs 25,000
- 24x7 claim assistance and easy claim settlement process
- 5% renewal discount every year maximum up to 25% on a progressive scale
Choosing My Plan
All of us have different health insurance needs, based on family and age; Bharti AXA helps you find the right plan for you, your spouse and children.
| Family Type | ||||
| Age Group | For You | For Your Spouse | With Children | Widowed with Children |
| 2 - 35 years | Rs.5 lakhs plan | Rs.5 lakhs plan | Rs.3 lakhs plan | Rs.3 lakhs plan |
| 36 - 45 years | Rs.5 lakhs plan | Rs.3 lakhs plan | Rs.3 lakhs plan | Rs.3 lakhs plan |
| 46 - 55 years | Rs.2 lakhs plan | Rs.2 lakhs plan | Rs.2 lakhs plan | Rs.2 lakhs plan |
| 56 - 65 years | Rs.2 lakhs plan | Rs.2 lakhs plan | Rs.2 lakhs plan | Rs.2 lakhs plan |
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Compare Plans
| SmartHealth BASIC Rs.2,00,000 | SmartHealth Optimum Rs.3,00,000 | SmartHealth Optimum Rs.5,00,000 | |
| Hospitalisation | Rs.2,00,000 Normal - Rs 2,000 per day ICU/CCU - Rs 3,000 per day | Rs.3,00,000 Normal - Rs 3,000 per day ICU/CCU - Rs 4,500 per day | Rs.5,00,000 |
| Pre-hospitalisation | 30 days | 30 days | 30 days |
| Post-hospitalisation | 60 days | 60 days | 60 days |
| Day care treatment | Upto SI under section 1 | Upto SI under section 1 | Upto SI under section 1 |
| Domiciliary hospitalisation | Rs.20,000 | Rs.30,000 | Rs.50,000 |
| Separate and Additional SI on diagnosis of 20 covered critical illnesses | - | Double the sum insured | Double the sum insured |
| Hospital Cash Allowance | Rs.200 per day for 10 days after first 3 days | Rs.750 per day for 30 days after first 3 days | Rs.1000 per day for 30 days after first 3 days |
| Coverage of pre-existing diseases | Upto SI under section 1 | Upto SI under section 1 | Upto SI under section 1 |
| Recovery Grant | - | Rs.12500 | Rs.12500 |
| Home Nursing | - | Rs.500 per day for 30 days after first 3 days | Rs.500 per day for 30 days after first 3 days |
| Ambulance Charges | Rs.1,500 | Rs.2,500 | Rs.2,500 |
| In-patient physiotherapy | - | Rs.6,000 | Rs.10,000 |
| Accompanying person | Rs.250 per day for 5 days after first 3 days | Rs.250 per day for 10 days after first 3 days | Rs.250 per day for 10 days after first 3 days |
| Parent accommodation | - | Rs.250 per day for 30 days after first 3 days | Rs.250 per day for 30 days after first 3 days |
| Outpatient dental emergency (accidents only) | - | Rs.3000 | Rs.5000 |
| Outpatient emergency treatment for accidents | - | Rs.6000 | Rs.10000 |
| Children Education Fund | - | Rs.3000 | Rs.5000 |
| Mortal remains | - | Rs.3000 | Rs.5000 |
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Key Inclusions
- Day care treatment where 24 hours of hospitalization is not required for treatments like dialysis, chemotherapy, eye surgery, lithotripsy, etc., undertaken in a hospital
- Domiciliary hospitalization where care and treatment is taken at home exceeding 3 days for disease, illness or injury
- Critical Illness covered:
- Cancer
- First Heart Attack
- Coronary Artery Disease
- Coronary Artery bypass surgery
- Heart Valve Surgery
- Surgery to Aorta
- Stroke
- Kidney Failure
- Aplastic Anemia
- End Stage Lung Disease
- End Stage Liver Failure
- Coma
- Major Burns
- Major Organ/Bone Marrow Transplantation
- Multiple Sclerosis
- Fulminant Hepatitis
- Motor Neurone Disease
- Primary Pulmonary Hypertension
- Terminal Illness
- Bacterial Meningitis
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Key Exclusions
- Hospitalization expenses for treatment taken for disease or illness within 30 days of inception of the policy. This clause is not applicable on subsequent renewals.
- First 2 years exclusions include:
- Cataract, laser surgery
- Myomectomy, Hysterectomy unless because of malignancy
- Dilation and curettage
- Hernia, Hydrocele, fistula in anus, sinusitis, hemorrhoids/piles
- Joint replacement, unless due to accident
- All types of skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
- Dialysis required for chronic renal failure
- Gastric and duodenal erosions & ulcers
Permanent Exclusions
- Routine medical, eye and ear examinations, cost of spectacles
- Dental treatment
- Circumcision, sex change or treatment
- Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
- Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV
