Bharti AXA (now ICICI Lombard) Health Insurance Top-up & Super Top-up Plans

A super top-up policy covers the total of hospitalisation bills up to the maximum of super top-up plan limits beyond the threshold amount. This means that the policy covers expenses related to multiple hospitalisations in a year over the deductible amount. A deductible in super top-up policy is the threshold limit up to which the healthcare expenses are borne by the insured. The policy becomes active for subsequent claims only after the deductible is paid.

Smart Super Top-Up Insurance Policy

Smart Super Top-Up Insurance Policy offers the policyholders additional coverage for extra security at affordable premium. Available for individuals as well as families, the policy can cover children as well if they are aged between 91 days and 5 years. Children aged above 5 years can be offered an individual policy. You can purchase this policy for 1 year, 2 years, or 3 years.

Key Benefits of Smart Super Top-Up Insurance Policy

Smart Super Top-Up Insurance Policy covers the insured for sum insured options of up to Rs. 60 lakh and deductible options starting from Rs. 1 lakh. Other benefits that the policy offers the insured are listed below:

• Cover for in-patient treatment expenses
• Cover for domiciliary hospitalisation expenses
• Cover for daycare treatments up to sum insured limit
• Cover for expenses related to organ transplant
• Tax benefits under Section 80D of the Income Tax Act, 1961

Who Can Buy This Plan?

People aged between 18 years and 65 years can buy Smart Super Top-Up Insurance Policy.

Waiting Period Under the Plan

Smart Super Top-Up Insurance Policy comes with an initial waiting period of 30 days. The policy comes with a waiting period of 48/36/24 months for treatment of pre-existing diseases and its direct complications.

Renewability of the Plan

Smart Super Top-Up Insurance Policy offers lifetime renewability benefits to the policyholders.

Exclusions Under the Plan

Smart Super Top-Up Insurance Policy does not cover the insured for the following expenses:

• Treatment of obesity
• Change of gender treatments
• Self-inflicted injuries like suicide
• Expenses incurred on unproven treatments
• Hazardous or adventure sports like mountain climbing, etc.