What is the eligibility for Micro SmartHealth Insurance Policy offered by Bharti AXA General Insurance?

Micro SmartHealth Insurance Policy covers people aged between 91 days and 80 years. The maximum entry age for the plan is 80 years, after which only renewals are accepted. Children aged below 5 years can also be included under the policy provided both or either of the parents are covered under the policy.

Can I also include my family members under the policy?

Yes. You can buy Micro SmartHealth Insurance Policy on an individual or family floater basis. If purchased on a family floater basis, you can include a maximum of 4 family members including self, legally wedded spouse, and up to 2 children up to 23 years.

What are the additional benefits offered under Micro SmartHealth Insurance Policy?

Micro SmartHealth Insurance Policy comes with the following additional benefits: Tax benefits under Section 80D of the Income Tax Act, 1961 Portability benefits Free look period Two variants of sum insured Reimbursement of medical examination cost

What are the daycare treatments that I am covered for under Micro SmartHealth Insurance Policy?

Some of the daycare procedures that Micro SMartHealth Insurance Policy covers you for are listed below: Dialysis Radiotherapy Chemotherapy Dental surgery Eye surgery Tonsillectomy Hernia repair surgery Lithotripsy

Who all can I include on a non floater family cover under Micro SmartHealth Insurance Policy?

Under Micro SmartHealth Insurance Policy, you can include self, spouse, two dependent children, dependent brother or sister, or parents subject to the age applicability, on a non floater family basis.

Bharti AXA Micro SmartHealth Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.10%
COVID-19 Cover	Yes
Network Hospitals	4,500+
Policies Sold	21,829
Renewability	Lifelong

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Bharti AXA (now ICICI Lombard) Health Insurance Plan List

Family (2)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Smart Health Insurance PlanMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Smart Health Essential PolicyMin: 91 days; Max: 65 years		Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years	1 Lakh - 4 Lakh	Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years	10000; 20000	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50000 - 2.5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Smart Super Health PlanMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

Bharti AXA (now ICICI Lombard) Health Insurance Top Up List

Name of Plan	Sum Insured
Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years	5 Lakh	Check Premium

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FAQs on Micro SmartHealth Insurance Policy Health Insurance Plan

What is the eligibility for Micro SmartHealth Insurance Policy offered by Bharti AXA General Insurance?
Micro SmartHealth Insurance Policy covers people aged between 91 days and 80 years. The maximum entry age for the plan is 80 years, after which only renewals are accepted. Children aged below 5 years can also be included under the policy provided both or either of the parents are covered under the policy.
Can I also include my family members under the policy?
Yes. You can buy Micro SmartHealth Insurance Policy on an individual or family floater basis. If purchased on a family floater basis, you can include a maximum of 4 family members including self, legally wedded spouse, and up to 2 children up to 23 years.
What are the additional benefits offered under Micro SmartHealth Insurance Policy?
Micro SmartHealth Insurance Policy comes with the following additional benefits:

Tax benefits under Section 80D of the Income Tax Act, 1961

Portability benefits

Free look period

Two variants of sum insured

Reimbursement of medical examination cost
What are the daycare treatments that I am covered for under Micro SmartHealth Insurance Policy?
Some of the daycare procedures that Micro SMartHealth Insurance Policy covers you for are listed below:

Dialysis

Radiotherapy

Chemotherapy

Dental surgery

Eye surgery

Tonsillectomy

Hernia repair surgery

Lithotripsy
Who all can I include on a non floater family cover under Micro SmartHealth Insurance Policy?
Under Micro SmartHealth Insurance Policy, you can include self, spouse, two dependent children, dependent brother or sister, or parents subject to the age applicability, on a non floater family basis.

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.

Bharti AXA (now ICICI Lombard) Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Bharti AXA (now ICICI Lombard) Health Insurance
18001024444Mon to Sat 9 AM to 7 PM
service@bharti-axalife.com