Bharti AXA s SmartHealth Critical Illness policy is simple yet comprehensive policy which covers all expenses incurred as a result of critical illnesses.
Title |
Description |
Additional Cover for Critical Illness |
Yes (reimbursement basis on hospitalization of insured) |
Additional Cover for Critical Illness |
Yes (reimbursement basis on hospitalization of insured) |
Ambulance Expenses |
Upto Rs.1500 |
Ambulance Expenses |
Upto Rs.1500 |
Attendant Allowance |
Rs.250 per day max.5 days |
Attendant Allowance |
Rs.250 per day max.5 days |
Daily Hospitalization Allowance |
Rs.250 per day max.10 days |
Daily Hospitalization Allowance |
Rs.250 per day max.10 days |
Day Care Procedure Coverage |
Yes ( Upto S.I) |
Day Care Procedure Coverage |
Yes ( Upto S.I) |
Donor Expenses |
Upto Rs.50,000 (over & above S.I) |
Donor Expenses |
Upto Rs.50,000 (over & above S.I) |
Free Health Checkup |
After 4 claim free years. |
Free Health Checkup |
After 4 claim free years. |
Medical Screening |
Required as per S.I opted under Basic/Premium/Optimum plan |
Medical Screening |
Required as per S.I opted under Basic/Premium/Optimum plan |
Minimum Hospitalization Period |
24 Hrs |
Minimum Hospitalization Period |
24 Hrs |
No Claim Discount |
5%, max. upto 25% |
No Claim Discount |
5%, max. upto 25% |
Nursing Allowance |
Rs.50,000 |
Nursing Allowance |
Rs.50,000 |
Post Hospitalization Expenses |
60 Days |
Post Hospitalization Expenses |
60 Days |
Pre-Existing Disease / Illness coverage |
After 48 months |
Pre-Existing Disease / Illness coverage |
After 48 months |
Pre-Hospitalization Expenses |
30 Days |
Pre-Hospitalization Expenses |
30 Days |
Room Rent Limit |
Upto S.I (subject to limits Specified) |
Room Rent Limit |
Upto S.I (subject to limits Specified) |
Waiting Period for New Policy |
30 Days |
Waiting Period for New Policy |
30 Days |