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Bharti AXA (now ICICI Lombard) Health Insurance for Family

Smart Super Health policy plan is available as an individual as well as family floater option. The plan can include 5 members of the family in a single policy, including the policyholder. The policy can be taken for 1 year, 2 year or 3 years. There are three variants to the plan, namely Value, Classic, and Uber. Entry age for individual ranges from 5 years to 65 years while for family floater plan, children between the age of 91 days and 5 years can be covered, provided the parents are already covered under the plan.

Key Features:

  • Wide range of Sum Insured up to Rs. 1 Crore
  • Sum assured restoration up to 100%
  • No-claim bonus benefit up to 100% of sum assured
  • Annual health checkup benefit
  • Optional benefit of critical illness cover, maternity benefit cover and hospital cash allowance
  • Depending on plan variant, Value, Classic and Uber, coverage for outpatient emergency treatment
  • Coverage for AYUSH treatment up to sum insured
  • Domiciliary hospitalisation expenses up to sum insured

Scope of Coverage:

  • Specific diseases/illness or procedure/surgeries covered after 24 months
  • Pre-existing disease cover after 48 months
  • Maternity expenses where maternity cover is selected
  • Genetic disorders covered after 48 months
  • Critical illness cover with 60 days waiting period and 30 days survival period
  • Organ donor expenses covered up to sum assured
  • Hospital cash allowance as an optional benefit
  • Domestic air ambulance once per policy year for sum insured Rs. 20 Lakh or more


The minimum entry age is 5 years and the maximum entry age is 65 years. The entry age for dependent children is 91 days to 5 years.


  • Medical expenses for diseases or illness or procedures/surgeries within 30 days of the start date of the policy
  • Circumcision expenses unless necessary for treatment, not excluded hereunder
  • Dental surgery or treatment unless requires hospitalisation
  • Birth control procedures, hormone replacement therapy, etc.
  • Internal congenital anomalies covered after a waiting period of 48 months

To know more about the policy details and exclusion, kindly refer to the policy wording or call the toll-free number of InsuranceDekho at 1800-120-5698.

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Health Insurance News


  • Are family members covered under the Bharti AXA critical illness policy?

    Yes, but the policy should be issued on a Floater Basis. Family members of the insured, comprising spouse and two dependent children (age group of 5 to 55 years, are covered).

  • Is health check-up gifted to policyholders holding a family floater plan?

    Yes, a comprehensive health check-up is offered annually to the policyholders. 

  • Does the vaccination for animal bite covered under the plan? If yes, up to which limit?

     Yes, the cost incurred on the vaccination for an animal bite is insured up to Rs. 5,000.

  • What is the coverage limit for organ donation under the floater plan?

    The floater plan gives the cover to organ donor for the organ transplantation process up to the amount of sum insured.

  • Is there any capping applicable to the coverage of room rent?

    No capping is applicable on the coverage of room rent and cover is offered up to the limit of sum insured amount. 

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