What is the eligibility for Smart Health High Deductible Insurance Policy?

Smart Health High Deductible Insurance Policy can cover people aged between 91 days and 65 years. Note that children below 5 years of age can only be covered if either or both the parents are covered under the policy as well.

What are the waiting periods under Smart Health High Deductible Insurance Policy?

Smart Health High Deductible Policy comes with the following waiting periods: Waiting period for pre-existing diseases: 48 months Initial waiting period: 30 days Waiting period for specific diseases: 24 months

Will I be required to share any loss if covered under Smart Health High Deductible Insurance Policy?

In case of a health insurance claim, you will be required to share the following costs: Expenses exceeding the sub-limits Deductible amount as per the schedule of benefits

Can I avail tax benefits on the premium paid for Smart Health High Deductible Insurance Policy?

Yes. You can avail tax benefits on the premium paid for Smart Health High Deductible Insurance Policy, under Section 80D of the Income Tax Act, 1961.

What are the renewal benefits offered under Smart Health High Deductible Insurance Policy?

Smart Health High Deductible Insurance Policy offers the following renewal benefits: Expenses related to health check-up at the time of policy renewal (once in block of 4 years) Renewal discount of 5% offered every year a claim is not made, for up to a maximum of 25%

Bharti AXA Smart Health High Deductible 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 (1)
Individual (1)
Critical Illness (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
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50000 - 2.5 Lakh	Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years	10000; 20000	Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years	1 Lakh - 4 Lakh	Check Premium
Smart Health Essential PolicyMin: 91 days; Max: 65 years		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 Smart Health High Deductible Health Insurance Plan

What is the eligibility for Smart Health High Deductible Insurance Policy?
Smart Health High Deductible Insurance Policy can cover people aged between 91 days and 65 years. Note that children below 5 years of age can only be covered if either or both the parents are covered under the policy as well.
What are the waiting periods under Smart Health High Deductible Insurance Policy?
Smart Health High Deductible Policy comes with the following waiting periods:

Waiting period for pre-existing diseases: 48 months

Initial waiting period: 30 days

Waiting period for specific diseases: 24 months
Will I be required to share any loss if covered under Smart Health High Deductible Insurance Policy?
In case of a health insurance claim, you will be required to share the following costs:

Expenses exceeding the sub-limits

Deductible amount as per the schedule of benefits
Can I avail tax benefits on the premium paid for Smart Health High Deductible Insurance Policy?
Yes. You can avail tax benefits on the premium paid for Smart Health High Deductible Insurance Policy, under Section 80D of the Income Tax Act, 1961.
What are the renewal benefits offered under Smart Health High Deductible Insurance Policy?
Smart Health High Deductible Insurance Policy offers the following renewal benefits:

Expenses related to health check-up at the time of policy renewal (once in block of 4 years)

Renewal discount of 5% offered every year a claim is not made, for up to a maximum of 25%

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