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					                                                                                                                                                                                                                                  Health Insurance
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.
                                                                                                                                                                                                                                                     Insurance Policy
  The claim will be settled within 21 days of receipt of all                                                                                     

  Get in touch with Bharti AXA through our number
  080 - 49123900 or email us at,                                                                                                  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
                                                                                                                                                                               No            Yes
                          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
                                                                       Act                                                             2,00,000
                            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!

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Description: Buy health insurance policy from Bharti AXA and enjoy double benefit of health protection and tax saving. Our mediclaim insurance includes individual insurance, family floater cover and more. �