Bharti AXA (now ICICI Lombard) Health Insurance for Family

Smart Super Health policy plan is available as an individual as well as family floater option. The plan can include 5 members of the family in a single policy, including the policyholder. The policy can be taken for 1 year, 2 year or 3 years. There are three variants to the plan, namely Value, Classic, and Uber. Entry age for individual ranges from 5 years to 65 years while for family floater plan, children between the age of 91 days and 5 years can be covered, provided the parents are already covered under the plan.

Key Features:

• Wide range of Sum Insured up to Rs. 1 Crore
• Sum assured restoration up to 100%
• No-claim bonus benefit up to 100% of sum assured
• Annual health checkup benefit
• Optional benefit of critical illness cover, maternity benefit cover and hospital cash allowance
• Depending on plan variant, Value, Classic and Uber, coverage for outpatient emergency treatment
• Coverage for AYUSH treatment up to sum insured
• Domiciliary hospitalisation expenses up to sum insured

Scope of Coverage:

• Specific diseases/illness or procedure/surgeries covered after 24 months
• Pre-existing disease cover after 48 months
• Maternity expenses where maternity cover is selected
• Genetic disorders covered after 48 months
• Critical illness cover with 60 days waiting period and 30 days survival period
• Organ donor expenses covered up to sum assured
• Hospital cash allowance as an optional benefit
• Domestic air ambulance once per policy year for sum insured Rs. 20 Lakh or more

Eligibility:

The minimum entry age is 5 years and the maximum entry age is 65 years. The entry age for dependent children is 91 days to 5 years.

Exclusions:

• Medical expenses for diseases or illness or procedures/surgeries within 30 days of the start date of the policy
• Circumcision expenses unless necessary for treatment, not excluded hereunder
• Dental surgery or treatment unless requires hospitalisation
• Birth control procedures, hormone replacement therapy, etc.
• Internal congenital anomalies covered after a waiting period of 48 months

To know more about the policy details and exclusion, kindly refer to the policy wording or call the toll-free number of InsuranceDekho at 1800-120-5698.