Bharti AXA SmartHealth Critical Illness Health Insurance

One of the best aspects of SmartHealth Critical Illness offered is that it provides a lump sum compensation for day-to-day expenses apart from the hospitalisation costs. Moreover, the policy provides unmatched coverage for 20 major critical illnesses that include Cancer,Major Burns, Stroke, Kidney Failure, Coma, and others. Other features that make the policy one-of-a-kind include-

• Lump sum compensation
• Preservation of hard-earned savings
• Re-reimbursement for medical examination cost
• No medical check-up required up to 45 years or below
• Coverage for 20 critical illnesses (AMONGST THE HIGHEST IN INDIA)
• Freedom to pay for everyday expenses such as home loan, credit card bills, car EMI, and others
• Cover for maximum 4 family members (you, your spouse and up to 2 dependent children aged between 90 days to 23 years)
• Option to choose between reimbursement/payment of hospitalisation expenses or payment of compensation, equivalent to the limit of sum insured 

Critical illness policies are a great investment. Needless to say, SmartHealth Critical Illness is no exception to the same. A policy that takes care of you and your lifelong savings, SmartHealth Critical Illness is a combination of superior features that comprise-

• 5% discount on renewal premium for every no claim year, up to a maximum of 25%
• Policy servicing by the Third Party Administrator (TPA), who will provide, among other things, the cashless facility for hospitalization in network hospital
• Free look period of 15 days from the date of receipt
• Income tax benefits under Section80D of the Income Tax Act

Overall, it may be said that if you have spent weeks trying to find the best critical illness policy, you have finally found the one. Rest assured, SmartHealth Critical Illness will be your absolute support system when you need one the most.

Talking about the purchase of the policy, opt for the online mode so that you can benefit from transparency in policy terms & conditions and get it issued without any delay. Furthermore, InsuranceDekho would be an ideal choice for the purchase as it will help you with policy portability, claim settlement support, and multiple others after-sales services, which you may regret not having on buying the policy from elsewhere.

The sum insured options available under this plan are-Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh. 

There is no medical check-up required up to 55 years or below under this plan. 

1% of the sum insured is provided for the cost of health check-up for every block of 4 claim-free years. 

Yes. You can buy this policy online from the official website of Bharti AXA or contact the health insurance broker InsuranceDekho for the best deals. 

No, the policy does not cover hospitalisation expenses incurred outside India

This policy provides the following additional benefits to its policyholders-

• Renewal discount
• Policy servicing
• Free look period 
• Income tax benefit
• Reimbursement for medical examination cost 

Yes. Organ donor expenses are covered under this policy. 

Yes. A discount of 5% is provided on the renewal premium for each year a claim is not made, up to a maximum of 25%.  

No. Free look period is not applicable at the time of policy renewal.