Bharti AXA Smart Health Insurance Plan

Note: For Basic variant, pre-policy medical test will be required above age 55 years for sum insured INR 2,00,000 and above age 45 years for sum insured above INR 2,00,000.

For Premium plan, pre-policy medical test is required above age 45 years.

• In case of Basic plan, sum insured INR 2,00,000 and INR 3,00,000; the room-rent limit of INR 2,000 and INR 3,000 per day is applicable for normal hospitalization room while limit of INR 3,000 and INR 4,500 per day is applicable for ICU room.
• In case of Premium plan, room-rent limit of INR 3,000 is applicable normal hospitalization room and INR 4,500 is for ICU room.
• In case of sum insured INR 5,00,000 for Basic plan and Optimum plan which has sum insured INR 4,00,000 and INR 5,00,000 there is no limit applicable on room rent.

• There is no co-pay option for this product.

• This plan has premium discount of 5% up to a maximum of 25% for each unclaimed year. However, this cumulative discount is reduced to zero once claim is made.

• Under Basic plan pre hospitalization expense is covered up to 30 days and post hospitalization is covered up to 60 days.
• Under Premium plan pre hospitalization expense is covered up to 45 days and post hospitalization is covered up to 60 days.
• Under Basic plan pre hospitalization expense is covered up to 60 days and post hospitalization is covered up to 90 days.

• This plan does not offer restore benefit.

• This plan offers health check-up benefit up to 1% of sum insured after every 4 claim free years.

• Up to INR 1,500 for Basic plan
• Up to INR 2,000 for Premium plan
• Up to INR 2,500 for Optimum plan

• This plan does not provide coverage for eye treatment expenses.

• Home nursing allowance of INR 200 and INR 500 per day for a maximum of 10 days after 3 days is provided in the Premium and Optimum variant respectively.
• Note: The list of diseases in the policy wording are not covered under this policy.

• This plan does not have any outpatient benefits.

• For the Basic variant of this plan additional coverage up to sum insured is available for coverage above INR 2,00,00 on reimbursement basis.
• For the Optimum variant of this plan provide addition lump sum benefit in case of critical illnesses listed in the document.
• Note: The Premium variant of this plan does not have any additional cover for critical illnesses.
• Dread Disease Recuperation: In addition to all of the above benefits, for critical illnesses, this plan has dread disease recuperation. In case of basic plan with sum insured above INR 2,00,000; INR 200 would be provided for maximum of 45 days. The Premium variant of this plan does not have this benefit while for Optimum variant, this benefit is included in the lump sum benefit.

• This plan does not cover medical expenses for alternative practices like Ayurveda, Unani, etc.
  

• This plan does not offer coverage for out-patient dental expenses.
  

• The Basic variant of this plan offers additional coverage for INR 30,000 and INR 50,000 depending on the sum insured. In case of Optimum variant the organ donor cover is included in the lump sum benefit offered.
  

• The Optimum variant of this plan offers convalescence benefit up to INR 12,500.
  

• This plan does not cover maternity related expenses.

• Up to INR 3,000 for the Premium variant.
• Up to INR 8,000 and INR 10,000 for the Optimum variant.

• Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.