Here’s what you need to do, to get your SmartHealth Bharti AXA General Insurance
Insurance Policy: Key differentiators
n Read the prospectus carefully
Bharti AXA General Insurance is a joint venture between the
n Single policy for the entire family (Insured, spouse and
Bharti Group and AXA. “I want a policy that provides
n Fill in the proposal form in all respects and kindly do not two children)
n In-built ‘critical illness’ cover Bharti AXA combines the strengths of Bharti Enterprises, one of complete health cover.”
leave any blanks
India's leading business groups, and AXA, the global leader in
n You are requested to co-operate with us in case you have to n No medical check-ups required upto 55 years or below
financial protection and wealth management. Get comprehensive financial support with us.
undergo a medical examination
n Please pay the premium preferably by way of A/C payee Twin assurance for you
cheque** AXA is one of the largest insurers in the world. Across the globe,
For any clarification, feel free to call the nearest branch office AXA has over 95 million clients, over 2,14,000 employees and
or our customer care number. presence in 57 countries. AXA believes in achieving operational
excellence through product innovation, business expertise,
distribution, quality of service and productivity.
Claim procedure Bharti Enterprises is one of the biggest organizations in the
Fast, fair and friendly! country with interests in telecom, agro business and retail. It is a
pioneering force in the telecom sector with many firsts and
In the event of an occurrence likely to give rise to a claim innovations to its credit, offering a powerful mix of a strong
(cashless or reimbursement) under the policy, you or your
representative needs to:
It’s time to take a smart step! national presence and unmatched local knowledge.
For more information, please contact
n Contact the Third-Party Administrator (TPA) named in the
Schedule to the policy immediately. Cashless
hospitalisation facility is available in around 3800
hospitals around the country
n Deliver to the TPA all information and documents
concerning the claim or reimbursement For more details on risk factors and terms & conditions,
n Submit all documents (original bills & prescriptions etc.) please read the sales brochure carefully before
concerning all pre / post hospitalisation expenses concluding a sale.
n Submit yourself, if so required, to examination by a
medical practitioner authorised by the company
( 080 - 49123900
n Please contact the number given on your medi-card for
È SMS <SERVICE> to 5667700
*This leaflet is only a brief summary of the
SmartHealth Insurance Policy.
Please contact our intermediary / sales officer / any of our SmartHealth
offices for the policy wordings.
The claim will be settled within 21 days of receipt of all www.bharti-axagi.co.in
Get in touch with Bharti AXA through our number
080 - 49123900 or email us at firstname.lastname@example.org, Registered office address:
The claim will address, for a hassle - free
clearly mentioning your postal be settled within 21 days Bharti AXA General Insurance Co. Ltd
SmartHealth Insurance Policy all documents.
of receipt of Insurance is the subject matter of solicitation. First Floor, Ferns Icon, Survey No. 28,
Doddanekundi, Bangalore- 560 037.
n Children between the ages of 30 days and 5 years can be
A smart first step acceptance, the costs towards such medical examination
covered in this policy if at least one parent is covered in this
shall be borne by the Company in case the proposal is
Simple, yet comprehensive; this defines Bharti AXA’s accepted. The Company’s representative will get in touch policy
SmartHealth Insurance Policy, which provides cover for with you to organize the medical examination at one of our Any person aged 46 years and above or anyone with a
expenses incurred as a result of hospitalisation. designated diagnostic centres. However, in case the history of pre-existing condition / disease must undergo
proposal is declined, the cost of the medical examination medical tests and submit the relevant test documents.
i.e. Rs 630+ service tax as applicable shall be deducted,
What does this policy cover? while refunding the premium
The policy provides for eventualities arising out of What does this policy not cover?
hospitalisation, such as:
What are the options available Some of the major exclusions under the policy are expenses
n Hospitalisation expenses relating to:
n Domiciliary hospitalisation under this policy?
n Pre-existing diseases - All diseases / illnesses / injuries
n Day care treatment (As per terms and conditions of The various covers available to you under the policy are: including symptoms or conditions existing when the policy
policy) n Family floater: You choose one sum for your family cover comes into force for the first time. This policy shall
n Pre and post-hospitalisation expenses (you, spouse and 2 dependent children up to the age of 23 cover pre-existing diseases, illnesses or injuries after four
n Pre-existing diseases - all diseases / illness / injuries years). This sum insured covers all expenses for your continuous renewals with us
including symptoms or conditions existing when the family for one or more claims during the policy period n Pregnancy and childbirth related complications
policy cover comes into force for the first time, after four n Wide sum insured option ranging from Rs. 50,000 to Rs. n Suicide, self-inflicted injury or illness, mental disorder,
continuous renewals with us 5,00,000 anxiety, stress or depression, use of alcohol or drugs
n Critical illness - cancer, first heart attack, coronary artery n Diseases such as HIV or AIDS
disease, coronary artery bypass surgery, heart valve n Cost of spectacles, contact lenses and hearing aids
surgery, surgery to aorta, stroke, kidney failure, aplastic Who is eligible to apply for this
n In-patient physiotherapy charges n Dental treatment or surgery of any kind unless requiring
anaemia, end stage lung disease, end-stage liver failure, policy ?
coma, major burns, major organ / bone marrow hospitalisation
n Recovery grant
transplantation, multiple sclerosis, To be able to apply for this policy, you must be: n Experimental or unproven treatment
n Accompanying person’s expenses
fulminant hepatitis, motor neuron disease, n Treatment by a family member, self- medication or any
n Parent accommodation as companion for child n A resident of India
primary pulmonary hypertension, terminal treatment that is not scientifically approved
illness, bacterial meningitis. Please refer to n Out-patient dental emergency treatment (arising out of n This policy can cover a maximum of four family members n Disease that commences during the first 30 days of
policy for complete terms and conditions accident only) comprising of you, your spouse and two dependent inception of the first policy (60 days in case of critical
n Dread disease recuperation n Out-patient emergency treatment for accidents children (over 90 days old and up to 23 years of age) illness benefit)
n Transplantation of organs n Childrens education fund Details of Medical examination requirement n Certain named chronic diseases (cataract, piles,
n Hospital cash allowance n Transportation of mortal remains Without any With Pre congenital internal disease, dialysis for chronic renal
n Home nursing Pre existing existing failure, hysterectomy, joint replacement surgery, unless
Sum condition condition caused by accident). (Please refer to policy for complete
n Ambulance charges Age Band
Distinctive features insured Medical
list) during the first two years of continuous cover with us.
In case these diseases are pre-existing in nature, they shall
The policy empowers you with a series of additional required? required be covered as per the waiting period applicable for pre-
benefits, which are: 2 years to 55 years No Yes existing conditions
Sometimes, n Renewal discount – you get a 5% discount on the renewal
56 years to 65 years Yes Yes n Treatment taken from a person not registered as medical
during illnesses you premium for every claim-free year upto a maximum of 25% 2 years to 55 years practitioner
don’t get the help that n Benefits from income tax - premium paid for this policy is 1,00,000
56 years to 65 years Yes Yes n Any hospitalisation expenses incurred outside India
you expect from your policy. eligible for deduction under Section 80D of the Income Tax
2 years to 55 years No Yes n Any other personal exclusion mentioned in the policy
With us you can rest n Cost of health check-up – for every block of four claim-free 56 years to 65 years Yes Yes
assured because we offer you years of your policy with us, 1% of the sum insured will be 2 years to 45 years No Yes
This is not an exhaustive list. For a detailed list of the
3,00,000 exclusions, please read our policy terms and conditions.
complete support at all times. provided towards the cost of the health check-up 46 years to 55 years Yes Yes
Be prepared for all circumstances – n Pre-policy health check-up : In the event that you are
4,00,000 2 years to 45 years No Yes
required to undergo medical examination before proposal
think smart! 5,00,000 2 years to 45 years No Yes Getting started, smartly!