Bharti AXA Smart Health Essential Insurance Policy

Bharti AXA’s SmartHealth Essential Insurance policy provides compensation in the unfortunate event of hospitalisation, of you and/or your dependant family. The policy can also be offered to a group of individual, association of persons / other groups / employers to cover their employees etc.

The policy provides for eventualities arising out of hospitalisation, such as:

• Payment of daily cash allowance, for the days of hospitalisation, during the policy period beyond a specified number of days
• For ICU admission, the daily hospital cash limit becomes automatically doubled. This is applicable for five days, after the first three days
• Benefit applicable irrespective of the number of times you’re hospitalized during the policy period, subject to the Sum Insured available
• Get income tax benefits under Sec 80 D of the Income Tax Act
• Renewal discount equivalent to 5% of the renewal premium, every year, upto a maximum of 25%, provided that there are no claims in the expiring year
• Claims assistance by a Third Party Administrator
• Available for insured persons between the age group of 5 – 55 years

To be able to apply for this policy, you must be

• Indian resident in the age group of 3 months to 65 years. The policy is renewable up to 75 years. Persons between the age of 56 years to 65 years or suffering from any preexisting condition/disease/injury need to undergo medical examination.
• Get coverage for a maximum of four family members comprising of you, your spouse and two dependent children. (Over 90 days old and upto 23 years of age)