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.

Bharti AXA SmartHealth Critical Illness 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

Health Insurance Calculator

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5 lac (Recommmended)

Disclaimer : Actual Premium might vary basis your location, age and number of members

Bharti AXA SmartHealth Critical Illness Brochure

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Jun 14, 2019

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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

Bharti AXA Cashless Network Hospitals in India

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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.

View More Questions

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