What all am I covered for under Smart Super Top-up Policy offered by Bharti AXA General Insurance?

Smart Super Top-up Policy offered by Bharti AXA General Insurance offered by Bharti AXA General Insurance covers you for the following expenses: In-patient hospitalisation expenses Domiciliary hospitalisation expenses Optional covers like daycare treatment expenses, treatments taken under AYUSH systems of medicines, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, etc.

Can I pay the premium for this policy in installments?

Yes. You can pay the premium for this policy in yearly, quarterly, half yearly, or monthly installments.

What are the waiting periods under Smart Super Top-up Policy offered by Bharti AXA General Insurance?

Smart Super Top-up Policy offered by Bharti AXA General Insurance comes with the following waiting periods: Waiting period of 24/36/48 months for pre-existing diseases Waiting period of 12/24 months for specified illnesses Waiting period of 60 days for critical illnesses and a survival period of 30 days.

What are the wellness and value added services offered under this policy?

Following wellness rewards are offered under Smart Super Top-up Policy offered by Bharti AXA General Insurance: Wellness rewards including health risk assessment, voluntary health check up, active membership for programs that keep you fit like gym membership, etc. Wellness management services including health coach to monitor your day to day well being, chronic condition screening, condition specific care, etc.

What are the optional covers under Smart Super Top-up Policy offered by Bharti AXA General Insurance?

Smart Super Top-up Policy offered by Bharti AXA General Insurance comes with the following optional covers: Daycare treatment expenses Pre-hospitalisation and post-hospitalisation expenses Organ donor expenses Surface ambulance expenses AYUSH treatments Dental treatments Home nursing coverage Renewal incentive Wellness and value added services Switch benefit Deductible incentive Non payable items Sum insured enhancement Hospital daily cash Emergency hospitalisation (worldwide basis) Convalescence benefit Health check-up Personal accident Critical illness Air ambulance

Bharti AXA Smart Super Top-up 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 Smart Super Top-up Insurance Policy Health Insurance Plan

What all am I covered for under Smart Super Top-up Policy offered by Bharti AXA General Insurance?
Smart Super Top-up Policy offered by Bharti AXA General Insurance offered by Bharti AXA General Insurance covers you for the following expenses:

In-patient hospitalisation expenses

Domiciliary hospitalisation expenses

Optional covers like daycare treatment expenses, treatments taken under AYUSH systems of medicines, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, etc.
Can I pay the premium for this policy in installments?
Yes. You can pay the premium for this policy in yearly, quarterly, half yearly, or monthly installments.
What are the waiting periods under Smart Super Top-up Policy offered by Bharti AXA General Insurance?
Smart Super Top-up Policy offered by Bharti AXA General Insurance comes with the following waiting periods:

Waiting period of 24/36/48 months for pre-existing diseases

Waiting period of 12/24 months for specified illnesses

Waiting period of 60 days for critical illnesses and a survival period of 30 days.
What are the wellness and value added services offered under this policy?
Following wellness rewards are offered under Smart Super Top-up Policy offered by Bharti AXA General Insurance:

Wellness rewards including health risk assessment, voluntary health check up, active membership for programs that keep you fit like gym membership, etc.

Wellness management services including health coach to monitor your day to day well being, chronic condition screening, condition specific care, etc.
What are the optional covers under Smart Super Top-up Policy offered by Bharti AXA General Insurance?
Smart Super Top-up Policy offered by Bharti AXA General Insurance comes with the following optional covers:

Daycare treatment expenses

Pre-hospitalisation and post-hospitalisation expenses

Organ donor expenses

Surface ambulance expenses

AYUSH treatments

Dental treatments

Home nursing coverage

Renewal incentive

Wellness and value added services

Switch benefit

Deductible incentive

Non payable items

Sum insured enhancement

Hospital daily cash

Emergency hospitalisation (worldwide basis)

Convalescence benefit

Health check-up

Personal accident

Critical illness

Air ambulance

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