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Bharti AXA Smart Super Health Insurance

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Bharti AXA (now ICICI Lombard) Health Insurance
Smart Super Health Plan
Claim SettlementDedicated Team
Claim Settlement Ratio93.10%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829
RenewabilityLifelong

About Bharti AXA Smart Super Health Insurance

Bharti AXA Smart Super Health policy is a product launched by Bharti AXA with added features and more flexibility to provide customers' relief from rising medical costs and cover their varied needs. This medical insurance caters to the need of a larger audience covering up to five family members, including the policyholder. The entry age for an individual range from 5 years to 65 years whereas the children between 91 days and 5 years can be covered under the policy, provided the parents are insured. The policy can be chosen for a period of 1 year, 2 years and 3 years. With evolving needs, one can even modify the policy, such as maternity benefit can be added on later.

The plan comes with the coverage benefit of alternative treatment, air ambulance transport, and organ donor expenses among many others. There is no capping on the room rent, and the patient can choose any room for treatment at the hospital. The plan comes in three variants i.e. Value, Classic and Uber. One can choose an optimum sum assured as per the choice of the variant.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Depending on the plan variant, outpatient emergency treatment, outpatient dental treatment and convalescence benefit are covered
  • Expenses related to organ donor, daycare treatments and alternative treatments are covered
  • Coverage for expenses related to domiciliary hospitalisation
  • Expenses related to in-patient hospitalisation are covered under the policy
  • Pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 90 days are covered by the policy

What's Not Included

  • Disease/illness/injury while serving as a member of a police force or military
  • Internal congenital anomalies and genetic disorders are covered after a waiting period of 48 months
  • Maternity expenses are covered after a waiting period of 9 months since the inception of the first policy
  • Coverage for pre-existing diseases after a waiting period of 48 months
  • An initial waiting period of 30 days for any illness, injury, except due to an accident

Bharti AXA Cashless Network Hospitals in India

Smart Super Health Plan User Reviews

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What users are saying
  • All
  • A winning deal!

    As a regular user of this policy, I can bet anyone and ensure you that it is a perfect choice for you. I have got several benefits under this plan. From coverage to benefits and from claim getting process to customer support. This health insurance plan is a winner everywhere.

    A
    By Anant Joshi
    On: Feb 25, 2020
  • Very helpful scheme.

    I have been using this health insurance plan for more than a year. It’s a great deal to have. My family and I are quite comfortable with its price and usefulness. It is very helpful in every aspects. I recommend it for all. Do have it. 

    C
    By Chinansuka Prasad
    On: Feb 25, 2020
  • The best healthcare solution!

    This policy is the best solution I got to fight rising medical costs. This saved my lifelong savings to a great extent. If someone is searching for health insurance to assist him or her in managing the medical costs for the treatment of an illness, injury, or ailment, without any stress, this plan is the best option for those.

    R
    By Ramesh Malhotra
    On: Feb 07, 2020
  • Excellent offerings!

    This plan is excellent in offerings the medical benefits at reasonable rates. I am using this plan for more than a year and bought this through insurancedekho.com. I like its offerings as they cover almost every sort of problem that could a person fall prey to in future days.

    K
    By Kabir Mittal
    On: Feb 07, 2020
  • Super excellent policy!

    This is an excellent product of health insurance. It is the best solution to fight soaring medical costs and prevented me from exhausting my lifelong savings. It is definitely a great asset me as well as insurer. I suggest people to go for this policy without giving it a second thought.

    T
    By Tisha Awasthi
    On: Jan 24, 2020

Add-ons to Enhance Benefits

  • Hospital Cash Allowance


    Under this benefit, daily cash is paid per day up to the specified limit if the insured is hospitalized for any disease/illness/injury for which a valid claim is admissible under the policy for each continuous and completed period of 24 hours and if the hospitalisation is more than 24 hours. This is paid for a maximum of 30 days including all the members and all claims for the entire policy year. First completed and continuous period of 24 hours will be considered as a deductible.

  • Maternity Benefit

    This benefit provides cover for the expenses for the delivery of a baby and/or expenses related to medically recommended lawful termination of pregnancy, limited to a maximum of two deliveries or terminations. This benefit is available under a family floater policy and is available for insured/insured’s spouse provided both are covered under the same policy. This benefit also covers the newborn baby’s inpatient treatment expenses within the first 90 days of birth.

  • Critical Illness Cover

    Under this benefit, a lump sum amount is paid if the insured is diagnosed with any of the listed critical illnesses under the policy, 60 days after the inception of the policy, and survived for more than 30 days post such diagnosis. The amount is paid only once in a lifetime of the insured and after being paid the benefit stands lapsed.   

Bharti AXA Smart Super Health Plan Expert Review

  • Expert Review

    Smart Super Health Insurance by Bharti AXA is a policy that you can rely on to get all your medical needs met at the time of an unexpected medical emergency. The best solution offered by the insurer to fight rising medical costs and prevent policyholders from exhausting their lifelong savings, the offered policy is a great asset to the insurer. If you are looking for health insurance that helps you manage expenses incurred for treatment of an injury, illness or disease, without any stress, go for this policy without giving it a second thought.

    A health insurance policy with great added features, Smart Super Health Insurance features minimum entry age of 5 years to 65 years for adults. Children between 91 days and 5 years can also be covered under the policy, provided their parents are insured in the first place. Available for a period of 1 year, 2 years and 3 years, the policy is the perfect choice for families covering up to 5 members, including the policyholder. You can purchase the policy in the form of variants, Value, Classic, and Uber, which vary in their sum insured as well as features & benefits. Lastly, the sum insured range that the policy covers starts from Rs. 5 Lakh and goes up to Rs. 100 Lakh. 

  • Major Attractions

    Smart Super Health Insurance has been specifically designed to cater to the diverse medical needs of families that require extensive coverage. If your medical requirements include coverage for room rent, pre-hospitalisation, post-hospitalisation, day care treatment, AYUSH treatment, organ donor expenses, domiciliary hospitalisation, and health check-up, this policy would definitely meet your requirement perfectly. Talking about other prime benefits, the list includes- 

    • ​Domestic air ambulance (Uber variant only)
    • Restoration of sum insured, up to 100% of sum insured
    • Emergency Surface Ambulance Charges of Rs. 3000 per event 
    • Add-on of Hospital Cash Allowance; as per the variant opted for
    • Convalescence Benefit (available in Classic and Uber variants)
    • Optional cover for maternity benefit and newborn baby expenses 
    • Vaccination expenses in case of animal bite (available in Classic and Uber variants)
    • Out-patient Dental Emergency Treatment (accidents only) - Available in Uber variant
    • Out-patient Emergency Treatment for Accidents (available in Classic and Uber variants)
    • Add-on of critical illness where critical illness sum insured opted should not be more than the sum insured  
  • What’s More?

    Smart Super Health Insurance is definitely an extension to Smart Health Insurance. The policy not only offers a wide coverage, maternity benefit and various other benefits, but also covers preexisting diseases after 48 months of waiting period. Regarding what makes the policy a complete package, learn that the key aspects of Smart Super include-

    • Lifelong renewability
    • No capping on room rent
    • Tax benefits under Section 80D of the Income Tax Act
    • Option to choose for critical illness cover or hospital cash
  • Conclusion

    To conclude, Smart Super Health Insurance is a smart investment to make if you want to ensure good health and financial stability even in a medically challenging situation. If this policy suits your medical needs, go for it without giving it a second thought.

    Talking about the purchase process, you can choose the online mode of purchase so that your policy gets issued quickly and gives you a clear idea of terms and conditions. Furthermore, opting for InsuranceDekho will be a great move to make to avail benefits like policy portability, claim settlement support, and multiple others after-sales services, which may be difficult to find elsewhere.

Bharti AXA Smart Super Health Plan Brochure

  • 479.54 KB
  • PDF Document
  • Apr 18, 2019

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.

FAQs on Smart Super Health Plan Health Insurance Plan

  • Why choose Bharti AXA Smart Super Health Plan?

    Bharti AXA Smart Super Health Plan provides cover for hospitalisation expenses incurred for treatment of illness, disease or injury. The policy covers inpatient expenses, daycare treatment, domiciliary hospitalisation expenses, ambulance charges, animal bite (vaccination), pre and post hospitalisation expenses, domestic air ambulance and restoration of sum assured, among others.

  • What are the sum assured options available under Bharti AXA Smart Super Health Plan?

    Bharti AXA Smart Super Health Plan are available in three variants, Value, Classic and Uber with varied sum assured options i.e. Value: Rs. 5 Lakh, Rs. 7.5 Lakh; Classic: Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh; Uber: Rs. 20 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 60 Lakh, Rs. 70 Lakh, Rs. 80 Lakh, Rs. 90 Lakh and Rs. 1 Crore.

  • What is the entry age for Bharti AXA Smart Super Health Plan?

    The entry age ranges between 5 years and 65 years for an individual and children between 91 days and 5 years can be covered provided either parent is insured under the plan.

  • Is there any room rent capping under Bharti AXA Smart Super Health Plan?

    There is no room rent capping under the plan and the insured can choose any room for treatment at the hospital.

  • Does the plan offer cover for air ambulance transport?

    In case of an emergency, the air ambulance transport is covered where the patient is transported from the site of the emergency to the nearest hospital.

  • Does Bharti AXA Smart Super Health Plan comes with annual health checkup facility?

    Yes, annual health checkup is offered under Bharti AXA Smart Super Health Plan.

  • Does this plan covers critical illness?

    This plan offers critical illness cover as an optional benefit wherein a lump sum amount is paid if the insured is diagnosed with any of the listed critical illnesses under the policy schedule. Critical illness where opted has a waiting period of 60 days for the fresh policy and 30 days survival period.

  • What is the policy period for Smart Super Health plan?

    The policy can be chosen for 1 year, 2 year and 3 years.

  • If maternity cover is opted, what is the waiting period for it under Smart Super Health Plan?

    The benefits under the maternity cover are available only after a waiting period of 9 months since the inception of the first policy with the insurance company.

  • What is restoration benefit under Bharti AXA Smart Super Health Plan?

    Restoration benefit available under Smart Super Health Plan reinstates 100% of the sum insured in a policy year upon exhaustion of the sum insured.

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