Bharti AXA Health Insurance Super Top up Plan

Bharti AXA Smart Super is a super top-up health insurance policy that offers medical coverage in case your existing coverage amount crosses the deductible limit as given in your Super-top up plan. When you pay the deductible amount from your current policy, the amount over and above it, is covered by the Bharti AXA Super top-up policy. The product is designed to enhance the base sum insured to enable the policyholder to pay off huge hospitalization expenses that may require more than the insured amount.

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Bharti AXA Health Insurance Super Top up Plan

*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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    Bharti AXA Health Super top-up policy offers higher sum insured options up to Rs 100 lakh. For instance, if you buy a Bharti AXA super top-up plan of Rs 15 lakh and the deductible is Rs 3 lakh, and the hospital bill comes out to be Rs 10 lakh then the insurance company will pay off the amount over and above Rs 3 lakh i.e. Rs 7 lakh.

    Bharti AXA Health Super Top-up Eligibility Criteria



    Minimum Entry age

    Adult: 18 years

    Child: 1 day (floater)

    Individual: 5 years

    Maximum Entry Age  

    Adult: No age limit

    Children: 24 years

    Sum Insured

    Rs 3 lakh to Rs 100 lakh

    Plan Variants


    Deductible in Enhance 1

    Rs 1 lakh- Rs 10 lakh

    Deductible in Enhance 1

    Rs 5 lakh- Rs 20 lakh



    Waiting period for Pre-Existing Diseases


    48 months

    Key Benefits of Bharti AXA Super Top-up Policy

    Check out the features and benefits of this BHARTI AXA Super top-up plan as given below:

    • There are no sub-limits to room rent, doctor's fees, etc., as per policy conditions
    • 1,2 and 3 year policy period options are available
    • Cashless facility is available at more than 4500+ network hospitals
    • Waiting periods for specific pre-existing diseases are limited to 60 days, 90 days, 2 years, 3 years and 4 years. For a specific list of waiting periods, please refer to the Bharti AXA Smart Super Top-up Policy Terms and Conditions
    • 394 day care procedures/ surgeries covered up to the Sum Insured
    • Hospital Daily Cash benefit is provided up to specified limits
    • Bharti AXA Health Insurance Claim settlement ratio is 92.37%
    • The policyholder can claim Income Tax benefits for the premium paid under the Section 80D

    Inclusions of Bharti AXA Super Top-up Policy

    Bharti AXA Smart Super Top-up health insurance plan covers the following expenses:

    • All pre-existing diseases included after the first 48 months of Policy.
    • In-patient treatment covered, including doctor’s fees, fees for the surgeon, specialist, anaesthetist, ICU charges, room rent, etc., are covered.
    • Ambulance charges, including air ambulance charges are covered
    • Organ donor’s medical expenses are compensated as well
    • Pre & post hospitalization expenses covered up to the sum Insured
    • AYUSH Treatment/Dental treatment/Home Nursing expenses are covered
    • Critical illness cover is provided with 60 days waiting period and 30 days survival period
    • Maternity benefit is available with a short waiting period of 9-months
    • Emergency Hospitalization Cover (Worldwide Basis)
    • Convalescence Benefit in the form of a fixed sum upon hospitalization of 10 days or more

    Prospective policyholders should use the Bharti AXA Health Super Top-up Premium Chart to establish the amount of premium payable. You can also refer to Bharti AXA Health Top-up Plan Brochure for details.

    Exclusions of Bharti AXA Super Top-up Policy

    Bharti AXA Smart Super Top-up Health Insurance plan does not cover the following expenses:

    • Genetic disorders, congenital external diseases, anomalies or defects
    • Growth hormone therapy or stem cell therapy
    • Venereal disease, sexually transmitted disease or illness
    • Dental treatment that does not require hospitalization
    • Crutches, artificial limbs, or other external appliances

    *For the complete list of exclusions, please refer to the Bharti AXA Smart Super Top-up Policy Terms and Conditions


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