Bharti AXA Smart Health Assure policy is one of the popular health insurance policies from Bharti AXA General Insurance Co. Ltd. The plan covers hospitalization expenses, in- patient treatments, day care expenses and medical emergencies.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Coverage offered |
Individual/family |
Savings on premium |
5% to 25% upon renewal |
Policy Tenure |
1 year |
Free-look period |
15 days |
SI options |
Rs 2 to 5 lakh |
*All savings are offered as per the IRDAI approval. Standard terms & conditions applied
Given below are the main features and benefits of the Bharti AXA Smart Health Assure policy:
To buy Bharti AXA Smart Health Assure plan, one can opt for the Individual or Family Floater option with sum insured options of Rs 2 lakh or 5 lakh. The basic coverage offered up to the sum insured limit for the plan is as follows:
Other than the basic coverage, the following benefits are included under the Bharti AXA Smart Health Assure policy:
Emergency Surface Ambulance expenses incurred for transport from or to the hospital subject to sub-limits specified and the sum assured limit is covered.
A daily cash amount within the admissible limit is paid to the policyholder when he is hospitalized for 24 hours as an optional benefit up to 30 days.
Medical expenses related to pregnancy and childbirth are covered as an add-on benefit under the family floater variant of this policy. Newborn baby coverage is applicable for insured individuals who have opted for maternity cover along with a 3-year policy term.
After a waiting period of 60 days, if the insured is diagnosed with any critical illness, he can claim the critical illness add-on benefit for qualified diseases such as:
The following diseases or health conditions are excluded from the coverage under the Bharti AXA Smart Health Assure plan:
The minimum eligibility criteria to buy this policy are:
Type |
Individual or Family Floater |
Minimum Entry Age |
91 days (provided parent is covered) |
Maximum Entry Age |
65 years No limit for policy renewal |
Number of people covered |
Individual, spouse and 3 dependent children up to the age of 25 years |
Residential Status |
Residents of India, including citizens, permanent residents, foreigners holding an employment pass, dependent pass or work permit |
Given below are the rules regarding cancellation of the Bharti AXA Smart Health Assure policy:
Ans: Bharti AXA health insurance offers both cashless and non-cashless reimbursement facilities for its customers. All hospitals listed under the network of the company can offer claims services.
Ans: The claim settlement ratio for Bharti AXA health insurance policies is 97.28% for 2018-19 as per the IRDAI report.
Ans: Any number of insurance claims can be made during the Bharti AXA health insurance policy term as long as it is within the sum insured mentioned in the policy.
Ans: One can buy Bharti AXA health insurance policy from paisabazaar.com. One just needs to visit the official website, enter his/her details and get a free quote for the online Bharti AXA Smart Health Assure plan. Once the applicant fills out the application form and pays the premium, the policy will take effect.
Ans: To renew the Bharti AXA Smart Health Assure plan, one must call the insurance company’s customer support health desk number.