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Bharti AXA SmartHealth Critical Illness Health Insurance

93 reviews Rate This
Bharti AXA (now ICICI Lombard) Health Insurance
SmartHealth Critical Illness
Claim SettlementDedicated Team
Claim Settlement Ratio93.10%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829
RenewabilityLifelong

About Bharti AXA SmartHealth Critical Illness Health Insurance

Bharti AXA’s SmartHealth Critical Illness Insurance is a simple yet comprehensive medical insurance plan. This critical illness policy covers all the expenses arising from critical illnesses. It provides cover for 20 major critical illnesses, some of which are- Cancer, Stroke, Kidney Failure, Major Burns, Coma, and Coronary Artery Bypass Surgery.

Some of the additional benefits that the plan provides to keep its policyholders happy are - hospital cash allowance, home nursing, ambulance charges, recovery grant, children education benefit, carriage of mortal remains, and in-patient physiotherapy. You can be covered under this Critical Illness Plan if you are a resident of India and are aged between 3 months to 55 years at the time of entry. Dependent children up to the age of 23 years can also be added provided at least one of the parent is covered under the plan too.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospital cash allowance is available
  • Pre and post-hospitalisation charges are included
  • Domiciliary hospitalisation expenses cover is provided
  • All daycare procedures are covered under the policy
  • Cover for inpatient hospitalisation expenses and inpatient physiotherapy charges

What's Not Included

  • Hospitalisation expenses incurred outside India
  • Dental treatment or surgery unless requiring hospitalisation
  • Complications related to pregnancy and childbirth
  • Diseases such as HIV or AIDS or ARCS-AIDS related complex syndrome
  • Intentional self-injury or treatment of any weight control program and obesity

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SmartHealth Critical Illness User Reviews

4.6
Rating based on
93 User reviews
Write your review
What users are saying
  • All
  • Helped me a lot!!

    This health plan is simple and comprehensive. It is a Critical Illness policy which gave me the coverage for the cost of critical illness treatment. It gave me coverage for around 20 major critical illnesses. I have gone through a hospitalisation due to a stoke. This scheme helped me a lot.

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    N
    By Nishant Arora
    On: Feb 27, 2020
  • I like this plan!

    I am quite happy with this plan. It offers much more than critical illness coverage such as the coverage for home nursing, ambulance costs, hospital cash allowance, children education expense etc. I am 55 year old still got this plan. This is the best part I like for this plan.

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    V
    By Vikas Gupta
    On: Feb 27, 2020
  • Suits my needs!

    Treatment of critical illness is never an easy job due to unaffordable medical costs. There are many plans available to cope up with this problem, but this SmartHealth Critical Illness plan holds the better benefits and coverage than other critical illness plans in the market. It has totally been suiting my needs since I have purchased it. 

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    C
    By Chitwan Sharam
    On: Feb 07, 2020
  • The bestest plan...

    When it comes to the treatment of a critical illness, the worst part comes as the cost, which can even affect the lifestyle of the complete family. When my wife got diagnosed with the critical illness, this plan helped me a lot and gave me a lump sum pay due to which I didn’t feel financial crunch. 

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    P
    By Prakash Singh
    On: Feb 07, 2020
  • Simple and Comprehensive.

    This SmartHealth Critical Illness Insurance plan can be considered as simple as well as comprehensive health policy. This Critical Illness plan insures all the medical expenses arising from the treatment procedure of critical illnesses. With this plan I got the coverage for many major critical illnesses such as Cancer, Kidney Failure, Major Burns, and so on.  

    Read More

    A
    By Arvind Bhati
    On: Jan 28, 2020
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Bharti AXA SmartHealth Critical Illness Expert Review

  • Expert Review

    Critical illness policies are major life saviour. A smart choice to make in advance, these policies help you save yourself from major financial distress at a time that’s extremely critical in terms of health. Bharti AXA’s SmartHealth Critical Illness policy is a boon for those who don’t want to end up spending their lifelong savings while trying to manage expenses arising out of critical illnesses. Having said that, if you have been considering to purchase SmartHealth Critical Illness, go ahead with the decision, but go through the information mentioned below to understand the policy better.

    To begin with, SmartHealth Critical Illness policy covers any Indian resident, who belongs to the age group of 3 years to 55 years. Children in the age group of 90 days to 5 years can also be covered, provided that at least one parent is also covered. Available on both, individual and family floater sum insured basis, the policy comes in two sections, where Section I offers reimbursement benefit or medical expense cover up to sum insured after diagnosis. Section II offers lump sum payment, up to the sum insured (regardless of hospitalization expenses) after the first diagnosis. It is up to the policyholder to choose benefit under Section I or Section II. At last, the sum insured range offered starts from Rs. 2 Lakh to Rs. 5 Lakh.

  • Major Attractions

    One of the best aspects of SmartHealth Critical Illness offered is that it provides a lump sum compensation for day-to-day expenses apart from the hospitalisation costs. Moreover, the policy provides unmatched coverage for 20 major critical illnesses that include Cancer,Major Burns, Stroke, Kidney Failure, Coma, and others. Other features that make the policy one-of-a-kind include-

    • Lump sum compensation
    • Preservation of hard-earned savings
    • Re-reimbursement for medical examination cost
    • No medical check-up required up to 45 years or below
    • Coverage for 20 critical illnesses (AMONGST THE HIGHEST IN INDIA)
    • Freedom to pay for everyday expenses such as home loan, credit card bills, car EMI, and others
    • Cover for maximum 4 family members (you, your spouse and up to 2 dependent children aged between 90 days to 23 years)
    • Option to choose between reimbursement/payment of hospitalisation expenses or payment of compensation, equivalent to the limit of sum insured 

  • What’s More?

    Critical illness policies are a great investment. Needless to say, SmartHealth Critical Illness is no exception to the same. A policy that takes care of you and your lifelong savings, SmartHealth Critical Illness is a combination of superior features that comprise-

    • 5% discount on renewal premium for every no claim year, up to a maximum of 25%
    • Policy servicing by the Third Party Administrator (TPA), who will provide, among other things, the cashless facility for hospitalization in network hospital
    • Free look period of 15 days from the date of receipt
    • Income tax benefits under Section80D of the Income Tax Act

  • Conclusion

    Overall, it may be said that if you have spent weeks trying to find the best critical illness policy, you have finally found the one. Rest assured, SmartHealth Critical Illness will be your absolute support system when you need one the most.

    Talking about the purchase of the policy, opt for the online mode so that you can benefit from transparency in policy terms & conditions and get it issued without any delay. Furthermore, InsuranceDekho would be an ideal choice for the purchase as it will help you with policy portability, claim settlement support, and multiple others after-sales services, which you may regret not having on buying the policy from elsewhere.

Bharti AXA SmartHealth Critical Illness Brochure

  • 138.30 KB
  • PDF Document
  • Jun 14, 2019
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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.

FAQs on SmartHealth Critical Illness Health Insurance Plan

  • Who all can be covered under this plan?

    A maximum of 4 family members comprising of you, your spouse and up to 2 dependent children aged between 90 days to 23 years can be covered under the policy.   

  • What are the sum insured options available under this plan?

    The sum insured options available under this plan are-Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh. 

  • Are medical check-ups required under this policy?

    There is no medical check-up required up to 55 years or below under this plan. 

  • Is the cost of health check-up cover under this plan?

    1% of the sum insured is provided for the cost of health check-up for every block of 4 claim-free years. 

  • Can I purchase this policy online?

    Yes. You can buy this policy online from the official website of Bharti AXA or contact the health insurance broker InsuranceDekho for the best deals. 

  • Does the policy cover hospitalisation expenses incurred outside India?

    No, the policy does not cover hospitalisation expenses incurred outside India

  • What additional benefits does the plan provide?

    This policy provides the following additional benefits to its policyholders-

    • Renewal discount
    • Policy servicing
    • Free look period 
    • Income tax benefit
    • Reimbursement for medical examination cost 

  • Are organ donor expenses covered under this policy?

    Yes. Organ donor expenses are covered under this policy. 

  • Does the plan provide any renewal discount?

    Yes. A discount of 5% is provided on the renewal premium for each year a claim is not made, up to a maximum of 25%.  

  • Is free look period applicable at the time of policy renewal?

    No. Free look period is not applicable at the time of policy renewal.  

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