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Bharti AXA Smart Health High Deductible Insurance Wordings

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

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Bharti AXA (now ICICI Lombard) Health Insurance Plan List

    Name of PlanSum Insured
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
    Smart Health Insurance PlanMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
    Smart Health Essential PolicyMin: 91 days; Max: 65 years Get Quotes Now
    Smart Super Health Assure PolicyMin: 91 days; Max: 65 years1 Lakh - 4 Lakh Get Quotes Now
    Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years10000; 20000 Get Quotes Now
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50000 - 2.5 Lakh Get Quotes Now
    Smart Super Health PlanMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

    Bharti AXA (now ICICI Lombard) Health Insurance Top Up List

      Name of PlanSum Insured
      Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years5 Lakh Get Quotes Now

      885 Bharti AXA Cashless Network Hospitals in India

      FAQs on Smart Health High Deductible Health Insurance Plan

      • What is the eligibility for Smart Health High Deductible Insurance Policy?

        Smart Health High Deductible Insurance Policy can cover people aged between 91 days and 65 years. Note that children below 5 years of age can only be covered if either or both the parents are covered under the policy as well.  

      • What are the waiting periods under Smart Health High Deductible Insurance Policy?

        Smart Health High Deductible Policy comes with the following waiting periods:  

        • Waiting period for pre-existing diseases: 48 months 
        • Initial waiting period: 30 days 
        • Waiting period for specific diseases: 24 months 
      • Will I be required to share any loss if covered under Smart Health High Deductible Insurance Policy?

        In case of a health insurance claim, you will be required to share the following costs: 

        • Expenses exceeding the sub-limits
        • Deductible amount as per the schedule of benefits
      • Can I avail tax benefits on the premium paid for Smart Health High Deductible Insurance Policy?

        Yes. You can avail tax benefits on the premium paid for Smart Health High Deductible Insurance Policy, under Section 80D of the Income Tax Act, 1961. 

      • What are the renewal benefits offered under Smart Health High Deductible Insurance Policy?

        Smart Health High Deductible Insurance Policy offers the following renewal benefits: 

        • Expenses related to health check-up at the time of policy renewal (once in block of 4 years)
        • Renewal discount of 5% offered every year a claim is not made, for up to a maximum of 25%

      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.

      Bharti AXA (now ICICI Lombard) Health Insurance Contact Details

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