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Bharti AXA Smart Health Critical Illness Policy

What is the Plan all About?

Secure the future of yourself and your loved ones with a Critical Illness health policy. SmartHealth Critical Illness Policy provides a comprehensive cover against expenses incurred due to any of the listed 20 critical illnesses.

3 different plan options are available under this plan:

  • SmartHealth Critical Illness Plan for 2 Lacs
  • SmartHealth Critical Illness Plan 3 Lacs
  • SmartHealth Critical Illness Plan 5 Lacs


What are the Key Features?

  • Comprehensive Critical Illness Cover
  • Avail Hospital Cash Allowance
  • No pre-policy medical check-up up to 45 years
  • 24x7 Claims Assistance
  • Enjoy Renewal Discount
  • Get Tax Benefits

What are the Plan Benefits?

Policy Benefits

    • Payment of compensation equivalent to 100% of the Sum Insured chosen, upon diagnosis of a critical illness and survival for 30 days.
    • Hospitalization expenses on indemnity basis are covered up to 100% of the Sum Insured (SI).
    • Pre-hospitalization expenses that are incurred prior hospitalization are covered up to 100% of the sum insured for 30 days.
    • Post-hospitalization expenses that are incurred post discharge from hospital are covered up to 100% of the sum insured for 60 days.
    • Medical expenses incurred towards transplantation of organs are covered.
    • Hospital cash allowance is available in this policy. This benefit is applicable for 30 days after the first 3 days of hospitalization.
    • Dread disease recuperation is covered in this policy.
    • Recovery Grant is payable under this policy.
    • Home nursing allowance is payable daily for 10 days after the first 3 days of hospitalization.
    • In-patient physiotherapy charges are covered.
    • Accompanying person expenses are payable for 10 days after the first 3 days.
    • Child Education Benefit is applicable under this policy.
    • Charges incurred towards the carriage of mortal remains are covered.

Value Added Benefits

    • Get renewal discount as 5% discount on renewal premiumfor each claim free policy year, subject to a maximum of 25%.
    • Sum Insured Enhancement can be availed at the time of policy renewal, provided no claim has been lodged/paid under the policy.
    • Ambulance charges are covered in this policy.
    • 50% cost of medical examination is reimbursed upon acceptance of the proposal.
    • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

    • Hospital Cash Allowance is payable as Rs 750 per day for SI 2 Lacs and Rs 1000 per day for SI 3/5 Lacs.
    • 1% of the sum insured will be provided towards the cost of the health check-up after every block of four claim-free years.
    • Ambulance charges are payable up to Rs 2,500.
    • Recovery grant of Rs 12,500 is payable.
    • Dread disease recuperation is payable as Rs 500 per day for a maximum of 45 days.
    • Organ transplant expenses are payable up to 15% off on SI beyond the original SI.
    • Home nursing benefit is capped up to Rs 350 per day for for SI 2 Lacs and Rs 500 per day for SI 3/5 Lacs.
    • In-patient physiotherapy expense is capped up to 2% of SI opted.
    • Accompanying person expenses are capped up to Rs 250.
    • Children education benefit of Rs 5,000 is payable.
    • Carriage of mortal remains expense is capped up to Rs 1,000 for SI 2 Lacs and Rs 2,000 for SI 3/5 Lacs.

Waiting Period Clause

    • Initial Waiting Period: Any claim is admissible after the first 60 days from the date of commencement of the policy.
    • Pre Existing Waiting Period: Any pre-existing condition/disease/injury is covered after 48 months of continuous policy coverage.
    • Survival Waiting Period: Payment of compensation on diagnosis of critical illnesses and on survival for more than 30 days of tenure is applicable.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Child: 3 Months Adult: 55 Years, Child: 23 Years
Sum Assured 2 Lacs 5 Lacs
Cover Type Individual/Family -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Freelook Period 15 Days -
Riders Nil -
Plan Type Offline -


  • Intentional self injury
  • Pregnancy/childbirth related treatment
  • Abuse of drugs/liquor
  • Criminal act
  • HIV/AIDS or related disease
  • Experimental/Unproven treatment
  • Cosmetic treatment
  • Mental disorder
  • Naturopathy/Unani treatment, etc.