n Bharti AXA General Insurance offers the SmartHealth Critical Illness Policy, which provides comprehensive coverage for 20 critical illnesses. n The policy covers all expenses related to covered critical illnesses, including hospitalization costs, pre- and post-hospitalization expenses, and offers additional benefits like dread disease recuperation allowance and ambulance charges. n Customers have the option to receive reimbursement of covered expenses or a lump sum payment equivalent to the sum insured upon diagnosis of a critical illness and surviving for over 30 days.

1. Health Insurance
leave any blanks Bharti AXA General Insurance
Key differentiators
n In case any insured person is above 45 years or suffering
n Comprehensive coverage for 20 critical illnesses Bharti AXA General Insurance is a joint venture between the
from any pre-existing illness / condition, please undergo Bharti Group and AXA.
medical examination as prescribed by the company n Cover available on ‘lumpsum benefit’ basis and ‘indemnity
Bharti AXA combines the strengths of Bharti Enterprises, one of
n Please pay the premium preferably by way of A/C payee basis’
India's leading business groups, and AXA, the global leader in
Why take a chance with inadequate
cheque or DD financial protection and wealth management. critical illness cover?
For any clarification, feel free to call the nearest branch office
or our customer care number
Twin assurance for you We offer cover for 20 critical
Claim procedure
AXA is one of the largest insurers in the world. Across the globe,
AXA has over 95 million clients, over 2,14,000 employees and
illnesses.
presence in 57 countries. AXA believes in achieving operational
Fast, fair and friendly! excellence through product innovation, business expertise,
distribution, quality of service and productivity.
In the event of any occurrence likely to give rise to a
claim(cashless or reimbursement) under the policy, you or Bharti Enterprises is one of the biggest organizations in the
country with interests in telecom, agro business and retail. It is a
your representative need to:
n Contact the Third-Party Administrator (TPA) named in the
It’s time to take a smart step! pioneering force in the telecom sector with many firsts and
innovations to its credit, offering a powerful mix of a strong
schedule to the policy immediately. Cashless national presence and unmatched local knowledge.
hospitalisation facility is available in 3800 hospitals
For more information, please contact
around the country
n Deliver to the TPA all information and documents
concerning the claim or reimbursement
n n Submit all documents (original bills & prescriptions etc. ) For more details on risk factors and terms & conditions,
AIDS or HIV or ARCS-AIDS related Complex Syndrome
concerning all pre / post hospitalisation expenses please read the sales brochure carefully before
n Treatment following use of drugs or liquor
n Submit, if so required, to examination by a medical concluding a sale.
n In case of intentional self-injury practitioner authorised by the company
n Treatment received overseas n Please contact the number given on your medi-card for
n Treatment for any criminal act clarifications
( 080 - 49123900
n Experimental and unproven treatment
È SMS <SERVICE> to 5667700
n Treatment by a family member / self- medication or any : customer.service@bharti-axagi.co.in
*This leaflet is only a brief summary of the
treatment which is not scientifically approved
Smart Health Critical Illness Policy.
n Naturopathy / unani treatment
n Aesthetics / cosmetic treatment, plastic surgery
n Psychiatric, mental and psychological disorder and stress
n Congenital internal disease
This is not an exhaustive list. For a detailed list of the SmartHealth
exclusions, please read our policy terms and conditions. The claim will be settled within 21 days of receipt of all Please contact our intermediary / sales officer / any of our
documents. offices for the policy wordings. Critical Illness Policy
Getting started, smartly! www.bharti-axagi.co.in
BRO/CRI ILL/THINQ/02-13
To enable us to help you, we request you to register a claim
Here's what you need to do, to get your SmartHealth Critical by contacting our helpline: 080 - 49123900 or e-mail us at
Illness Policy: claims@bharti-axagi.co.in
n Read the prospectus carefully Get in touch with Bharti AXA through our number Registered office address:
080 - 49123900 or email us at sales@bharti-axagi.co.in, Bharti AXA General Insurance Co. Ltd
n Fill in the proposal form in all respects and kindly do not clearly mentioning your postal be settled within 21 days
The claim will address, for a hassle - free Insurance is the subject matter of solicitation. First Floor, Ferns Icon, Survey No. 28,
SmartHealth Critical Illness Policy documents.
of receipt of all Doddanekundi, Bangalore- 560 037.

2. You can opt for: n Transplantation of organs
A smart first step What are the options available Distinctive features
Sec.1 Reimbursement / payment of hospitalisation n Hospital cash allowance
Simple, yet comprehensive; this defines Bharti AXA's expenses for treatment of critical illnesses, once under this policy? n Home nursing The policy empowers you with a series of additional
SmartHealth Critical Illnesss Policy. The policy covers all diagnosed. benefits, which are:
n Ambulance charges
expenses incurred as a result of critical illnesses. ( In case of Sec.1 )
or n Family floater
In-patient physiotherapy charges
n Hospitalisation expenses
What does this policy cover? Sec.2 Payment of compensation on diagnosis of critical n Recovery grant You choose one sum insured for the whole family (self, spouse
illnesses and on survival for more than 30 days. n Pre-hospitalisation expenses and two dependent children up to the age of 23 years). This
The policy provides cover for the following occurrences: n Accompanying person's expenses
n Post-hospitalisation expenses sum covers all the expenses for one or more claims during the
1. Cancer n Children education fund
n Dread disease recuperation policy period.
2. First heart attack n Mortal remains
Income tax benefit
3. Coronary artery disease
Premium paid for this policy is eligible for deduction under
4. Coronary artery bypass surgery
Sec-80D of the Income Tax Act.
5. Heart valve surgery Critical Illness - Plan benefits Renewal discount
6. Surgery to aorta
7. Stroke Sum Insured (in Rs.) You get a 5% discount on the renewal premium for every
Section Particulars claim-free year, up to a maximum of 25%.
8. Kidney failure
9. Aplastic anaemia 200000 300000 500000 Policy servicing
10. End-stage lung disease The policy will be serviced by the Third Par ty
Hospitalisaiton expenses Administrator(TPA), who will provide, among other things,
11. End-stage liver failure a 100% of sum insured 100% of sum insured 100% of sum insured
indemnity basis
cashless facility for hospitalisation in network hospitals.
12. Coma
I. Reimbursement/Payment of Hospitalisation
13. Major burns Pre-hospitalisation 100% of sum insured 100% of sum insured 100% of sum insured
Expenses for treatment of critical illnesses (up to the
limit of Sum Insured opted), once diagnosed. b Who is eligible to apply for this
14. Organ / bone marrow transplantation
15. Multiple sclerosis
Post-hospitalisation 100% of sum insured 100% of sum insured 100% of sum insured policy ?
16. Fulminant hepatitis Rs. 500 per day for a Rs. 500 per day for a Rs. 500 per day for a Any person who is a resident of India and in the age group of 3
Dread disease recuperation
17. Motor neurone disease max of 45 days max of 45 days max of 45 days months to 55 years (at entry) can be covered under the policy.
C
18. Primary pulmonary hypertension Children in the age group of 90 days to 5 years can be covered
15% off on SI over and 15% off on SI over and 15% off on SI over and
19. Terminal illness Transplantation of organs in this policy if at least one parent is also covered under the
above the original SI above the original SI above the original SI
20. Bacterial meningitis policy.
Rs. 750 per day for 30 days Rs. 1000 per day for 30 days Rs. 1000 per day for 30 days
Hospital cash allowance after the first 3 days after the first 3 days The maximum age applicable for renewal under this policy is
after the first 3 days
Rs. 350 per day for 10 days Rs. 500 per day for 10 days Rs. 500 per day for 10 days
65 years.
Home nursing after the first 3 days after the first 3 days after the first 3 days
What does this policy not cover?
Ambulance charges Rs. 2500 Rs. 2500 Rs. 2500
Additional benefits Some of the major exclusions under the policy are expenses
Inpatient physiotherapy 2% of SI 2% of SI 2% of SI
relating to:
Time spent with Recovery grant Rs. 12500 Rs. 12500 Rs. 12500 n Any disease / illnesses contracted during the first 60 days
your family is what Rs. 250 for 10 days Rs. 250 for 10 days Rs. 250 for 10 days of the first year policy (this will not apply for subsequent
makes life memorable. Accompanying person expenses after first three days after first three days after first three days and regular renewals)
Do not let worries of an Children education benefit Rs. 5000 Rs. 5000 Rs. 5000
n Any pre-existing diseases / conditions / injuries at the
uncertain future hinder you inception of the policy cover. However, the same will be
from living your life to the fullest. Carriage of mortal remains Rs. 1000 Rs. 2000 Rs. 2000 covered after four continuous renewals with us since, the
policy cover incepts for the first time
To assure a secure future for II. Payment of compensation, equivalent to the limit of Sum n Treatment traceable to pregnancy or childbirth
yourself and your loved ones - Insured opted, on diagnosis of critical illnesses and on survival for Payment of compensation 100% of sum insured 100% of sum insured 100% of sum insured
more than 30 days
think smart!