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| Family Floater Health Insurance Products in India (for your entire family) |
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| 8- Bharti AXA General Insurance Co. Ltd : Smart Health Insurance Policy |
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| Source : Website of Bharti AXA General Insurance Company Limited |
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| Smart product options |
| For your benefit, we have packaged the different covers into three different plan options: |
- For your benefit, we have packaged the different covers into three different plan options:
- SmartHealth Basic
- SmartHealth Premium
- SmartHealth Optimum
- Each of these plans have different Sum Insured to choose from:
- Basic : Rs. 50,000 (for 1 Individual only), 1 Lakh , 2 lakhs, 3 Lakhs and 5 Lakhs
- Premium : 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs and 5 Lakhs
- Optimum: 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs and 5 Lakhs
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| Eligibility |
| To be able to apply for this policy, you must be: |
- A resident of India
- 5 years to 65 years of age (renewal up to 75 years) for the SmartHealth Basic Plan
- 5 years to 60 years (renewal up to 70 years) for the SmartHealth Premium Plan
- 5 years to 55 years (renewal up to 65 years) for the SmartHealth Optimum Plan
- This policy can cover
- Maximum of four family members comprising of you, your spouse and two dependent children (over 90 days old and up to 23 years of age).
- Children between the ages of 90 days and 5 years can be covered in this policy if at least one parent is covered under the policy.
- Any person aged 46 years and above or anyone with a history of pre-existing condition/disease must undergo medical tests and submit the relevant test documents.
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| Exclusions |
| Some of the major exclusions under the policy are expenses relating to: |
- Pre-existing diseases - All diseases/illnesses/injuries including symptoms or conditions existing when the policy cover comes into force for the first time. This policy shall cover pre-existing diseases, illnesses or injuries after four continuous renewals with us
- Pregnancy and childbirth related complications
- Suicide, self-inflicted injury or illness, mental disorder, anxiety, stress or depression, use of alcohol or drugs
- Diseases such as HIV or AIDS
- Cost of spectacles, contact lenses and hearing aids
- Dental treatment or surgery of any kind unless requiring hospitalisation
- Experimental or unproven treatment
- Treatment by a family member, self- medication or any treatment that is not scientifically approved
- Disease that commences during the first 30 days of inception of the first policy (60 days in case of critical illness benefit)
- Certain named chronic diseases (cataract, piles, congenital internal disease, dialysis for chronic renal failure, hysterectomy, joint replacement surgery, unless caused by accident.(Please refer to policy for complete list) during the first two years of continuous cover with us. In case these diseases are pre-existing in nature, they shall be covered as per the waiting period applicable for pre-existing conditions
- Treatment taken from a person not registered as medical practitioner
- Any hospitalisation expenses incurred outside India
- Any other personal exclusion mentioned in the policy schedule
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