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Family Floater Health Insurance Products in India (for your entire family)
 
(1) What is the Concept of Family Floater in health insurance?   (2) Introduction Family Floater Health Insurance
(3) Coverage & Exclusion under Family Floater Policies   (4) Family Floater Premium Comparative Chart
(5) Comparison of Family Floater Policies   (6) Policy Wording/ Proposal Form/ Brochure
(7) Family Floater Insurance Health from Companies   (8) Health Insurance Below Poverity Line (BPL) Families
 
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8- Bharti AXA General Insurance Co. Ltd : Smart Health Essential Insurance Policy
Source : Website of Bharti AXA General Insurance Company Limited
The road to recovery is always shorter when the mind is at ease. Often, the worry of daily expenses in a hospital is the bitterest medicine to take. When medical emergencies and extended stays at hospitals are unavoidable, allow us to help lighten the worries of the wallet? think-smart!
A smart first step
Simple, yet comprehensive; this defines Bharti AXA's SmartHealth Essential Insurance policy, which provides compensation in the unfortunate event of hospitalisation, of you and/or your dependant family. The policy can also be offered to a group of individual, association of persons/ other groups/ employers to cover their employees etc.
Smart policy benefits
The policy provides for eventualities arising out of hospitalisation, such as:
  • Payment of daily cash allowance, for the days of hospitalisation, during the policy period beyond a specified number of days
  • In case of ICU admission, the daily hospital cash limit becomes automatically doubled. This is applicable for five days, after the first three days (For Plans B and C)
  • Benefit applicable irrespective of the number of times you're hospitalized during the policy period, subject to the Sum Insured available
  • Income tax deduction benefit, Sec 80 D as per the Income Tax Act
  • Renewal discount equivalent to 5% of the renewal premium, every year, upto a maximum of 25%, provided that there are no claims in the expiring year
  • Claims assistance by a Third Party Administrator
Smart Health Essential Benefit Plans - Essential Plans (General)
Coverage Plan A Plan B Plan C
Hospital Cash Allowance Rs 1000 per day for 60 days after the first 3 days Rs 2000 per day for 90 days after the first 3 days Rs 3000 per day for 120 days after the first 3 days
Eligibility
To be able to apply for this policy,you must be
1. A resident of India, in the age group of 3 months to 65 years (renewable up to 75 years). Persons between the age of 56 years to 65 years or suffering from any preexisting condition/disease/injury need to undergo medical examination.
2. This policy can cover a maximum of four family members comprising of you, your spouse and two dependent children. (Over 90 days old and upto 23 years of age)
Exclusions
Some of the major exclusions under the policy are:
  • Pre-existing diseases/ illness/ injury/conditions
  • Medical expenses incurred for treatmentundertaken within 30 days of the inception date of this Policy
  • Treatment of Cataract, Benign Prostatic Hypertrophy, Myomectomy, Dilatation and curettage, Hernia, Hydrocele, Congenital Internal disease, Fistula in anus, Sinusitis among others, during the first year of the operation of the Policy.
  • Treatment traceable to pregnancy or childbirth
  • Treatment of mental disease/ illness, stress, psychiatric or psychological disorders
  • Treatment by a family member and selfmedication or any treatment that is not scientifically recognized
  • Treatment from persons not registered as medical practitioners under respective medical councils
  • Any criminal act
  • War, terrorism and nuclear group of perils
  • Acquired Immuno Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS), and all diseases/ illness/ injury caused by and/or related to HIV
  • Vitamins and tonics unless forming a part of treatment for disease, illness or injury
 
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