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Bharti AXA (now ICICI Lombard) Health Insurance for Individual

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio93.10%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829
RenewabilityLifelong

Bharti AXA (now ICICI Lombard) : Health Insurance for Individual

Bharti AXA’s Smart Health Insurance is a plan that offers coverage for medical expenses to its policyholders. Along with coverage for hospital, daycare and domiciliary expenses, etc. it also provides benefit such as no-claim bonus. There are add-on benefits under the plan such as hospital cash and critical illness cover. For optional critical illness cover, an additional amount equal to 100% of sum assured is offered for critical illness treatment. This plan is available as both individual as well as a family floater plan.
Key Features:
  • Coverage options of Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh
  • No-claim bonus from 5% up to 25% on every renewal
  • Add-on component of critical illness cover
  • Recuperation benefit if diagnosed with critical illness
  • Direct claim settlement at PAN India 4500+ cashless network hospitals
  • Cost of health checkup up to 1% of sum insured for every block of four claim free years
  • Cost of pre-policy health checkup borne by the company on policy acceptance
  • Tax benefit under section 80D
Scope of Coverage:
  • Hospitalisation expenses such as room rent, ICU charges are covered
  • Daycare treatment expenses
  • Expenses related to organ donation and treatment expenses of organ donor are covered
  • Domiciliary hospitalisation expenses are covered, if unable to be treated at the hospital
  • Hospital cash allowance as per the sum assured
  • Ambulance charges
  • Home nursing charges
  • Dread disease recuperation
Eligibility:
Entry age for adults is 18 years and for dependent children is 91 days. There is no limit on the maximum entry age.
Exclusions:
  • Convalescence charges related to the recuperation of the policyholder is excluded
  • Dental treatment expenses are not covered
  • Expenses related to animal bite vaccinations are not covered under the health policy
  • Maternity expenses are excluded
  • Domestic Air Ambulance coverage is not provided under the plan.
To get more details about the plan and the exclusion list, kindly refer to the policy wording or dial InsuranceDekho’s toll-free number 1800-120-5698.
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Bharti AXA (now ICICI Lombard) Health Insurance Plans For Individual

    Name of PlanSum Insured
    Smart Health Insurance PlanMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
    Smart Super Health PlanMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

    Health Insurance Calculator

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    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
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    Bharti AXA (now ICICI Lombard) Health Insurance Contact Details

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    Claim Process at Bharti AXA (now ICICI Lombard) Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    885 Bharti AXA Cashless Network Hospitals in India

    View All Bharti AXA Network Hospitals

    FAQ About Bharti AXA (now ICICI Lombard) Health Insurance

    • What is the limit of Sum Insured amount I can opt for?

      Under the Bharti AXA individual plan, the minimum amount of sum insured is Rs. 3 lakh, while the maximum amount is Rs. 5 lakh.

       

    • Does the policy give any coverage for critical illness?

      The individual plan owns an inbuilt critical illness cover for all its customers. 

    • What is the limit of coverage for daycare treatments?

      Under the Bharti AXA, individual plan daycare treatments are covered up to the amount of Sum Insured. 

    • How much waiting period is available to get pre-existing illnesses covered?

      Pre-existing diseases are covered post 48 months in the individual plan.

    • Who should buy a Bharti AXA individual health insurance plan?

      Individual health insurance policy offered by Bharti AXA is an ideal choice for an individual who is not yet covered under a health insurance policy, or is not satisfied with the coverage benefits offered by his/her employer. 

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    Network Hospital in Popular Cities

    CityNo of Hospital
    Noida37
    Chennai152
    Mumbai117
    Ahmedabad87
    Patna37
    Bengaluru184
    Kolkata79
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