Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

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
Entry age for adults is 18 years and for dependent children is 91 days. There is no limit on the maximum entry age.
  • 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.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members

Health Insurance News


  • 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. 

Network Hospital in Popular Cities

CityNo of Hospital
View All