Bharti Axa Smart Super Health Assure Policy

A medical emergency can exhaust your hard-earned savings in no time. Bharti Axa Smart Super Health Assure Policy helps people protect their finances as it provides coverage against medical expenses incurred during treatment. If you opt for this policy from Bharti AXA, you can have peace of mind in case of a medical emergency. We are showing key features of the Bharti Axa Smart Super Health Assure Policy below. Please check!

1. In-patient hospitalization coverage
2. Pre-and post-hospitalization coverage
3. Organ Donor expenses coverage
4. Daycare Treatment 
5. AYUSH Treatment coverage
6. Restoration of Sum Insured
7. Emergency surface ambulance charges
8. Multiple add-on benefits
9. 15 days of free look period
10. 30 days of grace period

On this page, we will discuss these features in detail so that you can understand them better. Keep reading to know more about Bharti Axa Smart Super Health Assure Policy.

Let’s Discuss the Benefits of the Bharti Axa Smart Super Health Assure Policy in Detail!

Bharti Axa Smart Super Health Assure Policy is one of the popular health insurance plans among customers due to various benefits it offers to them. We are discussing them one after another. Please check!

In-patient Treatment

If a policyholder needs hospitalization for a minimum of 24 hours for the treatment of diseases, illnesses or injuries, this policy provides coverage against the expenses incurred on the same. These expenses will include hospital room rent, nursing, ICU charges, operation theatre charges, fees of surgeon/anesthetist/ qualified nurse, cost of diagnostic tests, blood, oxygen, etc.

Pre-and Post-Hospitalization Coverage

With this benefit, policyholders can get coverage against the expenses incurred during the period (up to specified days) before hospitalization and after discharge from the hospital, up to the sum insured of the Bharti Axa Smart Super Health Assure Policy.

Organ Donor Expenses

If the insured person is suffering from a critical illness and needs to undergo an organ transplantation surgery, the policy from Bharti AXA will provide coverage against organ donor expenses.

Daycare Treatment

With this benefit, policyholders will enjoy coverage against hospitalization expenses towards medical treatment undertaken under general or local anesthesia in a hospital or daycare center. Such treatments do not require a 24-hour hospitalization.

AYUSH Treatment

Policyholders will also get coverage against expenses incurred on in-patient treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy. However, the treatment should be taken in a government hospital or in any medical institute recognized by the government.

Domiciliary Hospitalization

Treatments that would normally require hospitalization but actually taken at home because either the insured person cannot be transferred to a hospital or because of the unavailability of a hospital room will be covered under Bharti Axa Smart Super Health Assure Policy. Do remember that the treatment of less than 3 days will not be covered.

Emergency Surface Ambulance Charges

If a policyholder needs to be transported to the nearest hospital for the due treatment via an ambulance, the policy will provide coverage against such transportation expenses. The benefit will be within the sub-limits mentioned in the policy but within the overall sum insured limit.

Hospital Cash Allowance

Policyholders will get daily cash allowance during their hospitalization period for the treatment of any disease/ illness/ injury for each continuous and completed 24-hours of hospitalization. Also, the hospitalization should be more than 24 hours to get this benefit (up to 30 days of hospitalization for the entire policy year).

Maternity Benefit

With this benefit from Bharti Axa Smart Super Health Assure Policy, policyholders can enjoy coverage against expenses on the delivery of a baby. However, this benefit is only available under a family floater plan and after a 9-month waiting period.

Lump Sum Benefit for Critical Illnesses

If a policyholder faces a critical illness after a waiting period of 60 days, the policy will provide a lump sum benefit as a critical illness benefit. Also, the individual must have completed a 30-day survival period after the diagnosis of the said illness. The following illnesses will be covered under the critical illness benefit.

1. Cancer of Specified Severity
2. First Heart Attack of Specified Severity
3. Coronary Artery Disease
4. Open Chest CABG
5. Open Heart Replacement or Repair of Heart Valves
6. Surgery to Aorta
7. Stroke resulting in Permanent Symptoms
8. Kidney Failure requiring Regular Dialysis
9. Aplastic Anaemia
10. End-Stage Lung Disease
11. End-Stage Liver Failure
12. Coma of Specified Severity
13. Major Burns
14. Major organ /bone marrow transplant
15. Multiple Sclerosis with Persisting Symptoms
16. Fulminant Hepatitis
17. Motor Neurone Disease with Permanent Symptoms
18. Primary Pulmonary Hypertension
19. Terminal Illness
20. Bacterial Meningitis

No Claim Bonus Benefit

If a policyholder hasn’t claimed during the policy year, Bharti AXA will provide No Claim Bonus benefit for each policy year (irrespective of whether you have chosen a multi-year policy). To know more, you can check the below table.