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BRO/SH_IP/ORI/04-09
Claim procedure General Insurance Company Limited, issued by
the Proposer.
Bharti AXA General Insurance Company Limited,
Fast, fair and friendly! 1st Floor, West Wing, Ferns Icon, Survey No. 28,
In the event of an occurrence likely to give *This leaflet is only a brief summary of the SmartHealth Doddanekundi Village, K.R.Puram Hobli,
Insurance Policy. Off Outer Ring Road, Bangalore – 560037,
rise to a claim (cashless or reimbursement) Tel: 080-40260100, Toll Free Helpline: 1800 103 2292,
under the policy, you or your representative Please contact our intermediary / sales officer / any of SMS <SERVICE> to 5667700
our offices for the policy wordings.
needs to: E-mail: customer.service@bharti-axagi.co.in
Website: www.bharti-axagi.co.in
Insurance is the subject matter of the solicitation.
! Out-patient emergency treatment for ! 5 years to 55 years (renewal up to 65
A smart first step
SmartHealth Simple, yet comprehensive; this defines
accidents years) for the SmartHealth Optimum Plan
! Childrens education fund
Insurance Policy Bharti AXA’s SmartHealth Insurance Policy,
which provides cover for expenses incurred
! Transportation of mortal remains This policy can cover a maximum of four
family members comprising of you, your
Caring for your health, as a result of hospitalisation.
spouse and two dependent children
and your wealth! Distinctive features (over 90 days old and up to 23 years of
Smart policy benefits The policy empowers you with a age).
series of additional benefits, which Children between the ages of 90 days
The policy provides for eventualities
are: and 5 years can be covered in this policy
arising out of hospitalisation, such
! Renewal discount – you get a 5% discount if at least one parent is covered under
as: the policy.
! Hospitalisation expenses
on the renewal premium for every claim-
free year upto a maximum of 25% Any person aged 46 years and above or
! Domiciliary hospitalisation anyone with a history of pre-existing
! Benefits from income tax - premium paid
! Day care treatment for this policy is eligible for deduction condition / disease must undergo
! Pre and post-hospitalisation expenses under Section 80D of the Income Tax Act medical tests and submit the relevant
test documents.
! Pre-existing diseases - all diseases / illness / ! Cost of health check-up – for every block
injuries including symptoms or conditions of four claim-free years of your policy with
existing when the policy cover comes into us, 1% of the sum insured will be provided Exclusions
force for the first time, after four continuous towards the cost of the health check-up
Some of the major exclusions under the
renewals with us
policy are expenses relating to:
! Critical illness - cancer, first heart attack, Smart product options ! Pre-existing diseases - All diseases /
coronary artery disease, coronary artery
The various covers available to you illnesses / injuries including symptoms or
bypass surgery, heart valve surgery, surgery
under the policy are: conditions existing when the policy cover
to aorta, stroke, kidney failure, aplastic
comes into force for the first time. This
anaemia, end stage lung disease, end- ! Family floater: You choose one sum for
policy shall cover pre-existing diseases,
stage liver failure, coma, major burns, major your family (you, spouse and 2 dependent illnesses or injuries after four continuous
organ / bone marrow transplantation, children up to the age of 23 years). This renewals with us
multiple sclerosis, fulminant hepatitis, motor sum insured covers all expenses for your
neuron disease, primary pulmonary ! Pregnancy and childbirth related
family for one or more claims during the
hypertension, terminal illness, bacterial policy period complications
meningitis. Please refer to policy for ! Wide sum insured option ranging from ! Suicide, self-inflicted injury or illness,
complete terms and conditions mental disorder, anxiety, stress or
Rs. 50,000 to Rs. 5,00,000
! Dread disease recuperation depression, use of alcohol or drugs
! Wide plan options of SmartHealth Basic,
! Transplantation of organs ! Diseases such as HIV or AIDS
SmartHealth Premium, SmartHealth
! Hospital cash allowance Optimum ! Cost of spectacles, contact lenses and