Bharti AXA Smart Health Insurance

Under the add on option, the hospital cash allowance of different amount is offered as per the variant. 

Smart Health Insurance policy has a vast array of benefits to offer. So, you can invest in the policy to get covered for hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation, day care treatment, AYUSH treatment, and countless others. One of best things about Bharti AXA’s popular policy is that it provides one with the benefit of major aspects that include- 

• Health check-up once in a block of 4 years 
• Accompanying person expenses of Rs. 250 for 5 days after first three days 
• Home nursing expense Rs. 250 for sum insured Rs. 4 Lakh
• Add-on of hospital cash allowance as per the variant opted for
• Emergency surface ambulance charges as per the variant opted for
• In-patient physiotherapy - 1 % of sum insured for sum insured Rs. 4 Lakh
• Add-on of critical illness (additional 100% sum insured on hospitalisation expenses)
• Dread disease recuperation benefit in case of critical illness as per the variant opted for
• Parent accommodation as companion for child (Rs. 250 for 10 days after first three days - applicable for sum insured Rs. 4 Lakh)

Bharti AXA’s, with its Smart Health Insurance, brings forth an absolute health insurance solution for individuals and their family members. Well-acclaimed for its superior features and benefits, the policy covers the policyholders in a way that they don’t have to worry, neither about their health nor financial stability. A few prime features that make Smart Health Insurance, a smart choice include- 

• Guaranteed lifelong renewability 
• Tax benefits under Section 80D of the Income Tax Act​
• ​Renewal discount of 5% up to 25% on no claims made
• Coverage for pre-existing diseases after a basic waiting period of 48 months

To conclude, Smart Health Insurance is a great option to go with if you want to safeguard the health and wealth of your family. It is an affordable policy that provides superior coverage without breaking the bank. All in all, it is a considerable choice.

If purchasing Smart Health Insurance seems a smart move to you, it is advisable to go ahead with its online purchase to allow quick issuance and policy transparency, something which the offline modes lacks. Next, you can choose the platform of InsuranceDekho to buy the policy and get benefits such as policy portability, claim settlement support, and multiple others that are a part of after-sales services, which the insurance broker offers for its customers’ convenience.

Yes, day care procedures are covered up to the sum insured under this policy.

There are three variants under the plan, where SI amounts are offered from Rs. 2 Lakh to Rs. 5 Lakh.

The expenses related to recuperation incurred by the policyholder after getting discharged from the hospital are covered, provided the insured member suffers from any of the specified critical illnesses and undergoes the treatment in the same clinic or hospital.

A renewal discount is offered under the plan of 5% up to maximum 25%, if no claim is made in the previous year or years.