What is the waiting period for pre-existing diseases and specific diseases, under the plan?

Under Smart Health Insurance Plan, the pre-existing diseases are covered post 48 months, while specific illnesses are covered post 24 months.

Does this policy cover day care treatments?

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

What is the Sum Insured amount offered under Smart Health Insurance Plan?

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

Is dread disease recuperation available in this health insurance policy?

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.

Is any discount available at the renewal premium?

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.

What is the minimum entry age for Smart Health Insurance Plan?

The minimum entry age for the plan is 18 years.

What are the add-on benefits provided under the plan?

Critical illness and hospital cash allowance are the add-on benefits offered under the plan.

Is there any sub-limit on any coverage feature?

Yes, sum-limits are applicable on different offerings such as Emergency surface ambulance charges, Organ donation, Hospital cash allowance, Home nursing, Inpatient physiotherapy, and so on.

Does the plan provides any maternity benefit?

No, maternity benefit is not covered under this health insurance policy.

Does the plan cover the expenses related to AYUSH treatment.

Yes, the plan provides the coverage for AYUSH treatments up to the amount of Sum Insured.

Bharti AXA Smart Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.10%
COVID-19 Cover	Yes
Network Hospitals	4,500+
Policies Sold	21,829
Renewability	Lifelong

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Bharti AXA Smart Health Insurance Plan Brochure

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Apr 09, 2019

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Bharti AXA (now ICICI Lombard) Health Insurance Plan List

Family (2)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Smart Health Insurance PlanMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Smart Health Essential PolicyMin: 91 days; Max: 65 years		Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years	1 Lakh - 4 Lakh	Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years	10000; 20000	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50000 - 2.5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Smart Super Health PlanMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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

Name of Plan	Sum Insured
Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years	5 Lakh	Check Premium

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FAQs on Smart Health Insurance Plan Health Insurance Plan

What is the waiting period for pre-existing diseases and specific diseases, under the plan?
Under Smart Health Insurance Plan, the pre-existing diseases are covered post 48 months, while specific illnesses are covered post 24 months.
Does this policy cover day care treatments?
Yes, day care procedures are covered up to the sum insured under this policy.
What is the Sum Insured amount offered under Smart Health Insurance Plan?
There are three variants under the plan, where SI amounts are offered from Rs. 2 Lakh to Rs. 5 Lakh.
Is dread disease recuperation available in this health insurance policy?
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.
Is any discount available at the renewal premium?
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.

View More Questions

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

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Bharti AXA (now ICICI Lombard) Health Insurance
18001024444Mon to Sat 9 AM to 7 PM
service@bharti-axalife.com