This document discusses the Bharti AXA SmartHealth High Deductibles Insurance Policy. It offers extended health coverage as a top-up to existing health insurance policies. There are various deductible and sum insured options available. The policy covers hospitalization expenses, pre- and post-hospitalization costs, and other benefits like ambulance charges and physiotherapy. It does not cover expenses related to pre-existing diseases in the first year, dental treatment, pregnancy, cosmetic procedures, or any treatment outside of India.

1. Health Insurance
There are three deductible options available for you to
The claim will be settled within 21 days of receipt of all
Bharti AXA General Insurance
choose from. The Sum Insured options vary according to
documents. Bharti AXA General Insurance is a joint venture between the Bharti
the deductible chosen:
Group and AXA.
n Deductible of Rs. 1 Lakh To enable us to help you, we request you to register a claim by “My existing health policy is not enough
Bharti AXA combines the strengths of Bharti Enterprises, one of
contacting our helpline: 080 - 49123900 or e-mail us at
India's leading business groups, and AXA, the global leader in
to cover my growing medical expenses.”
n Sum Insured – Rs. 3 Lakhs claims@bharti-axagi.co.in
financial protection and wealth management. Get extended cover for comprehensive
n Deductible of Rs. 2 Lakhs Get in touch with Bharti AXA through our number
080 - 49123900 or email us at sales@bharti-axagi.co.in, clearly Twin assurance for you health protection.
n Sum Insured – Rs. 4 Lakhs, Rs. 5 Lakhs, Rs. 7 mentioning your postal address, for a hassle - free SmartHealth
Lakhs AXA is one of the largest insurers in the world. Across the globe, AXA
High Deductibles Insurance Policy
has over 95 million clients, over 2,14,000 employees and presence in
n Deductible of Rs. 3 Lakhs 57 countries. AXA believes in achieving operational excellence
through product innovation, business expertise, distribution, quality
n Sum Insured – Rs. 6 Lakhs, Rs, 8 Lakhs, Rs. 10 Lakhs of service and productivity.
These options are available either on Bharti Enterprises is one of the biggest organizations is the country
with interests in telecom, agro business and retail. It is a pioneering
n Individual basis or force in the telecom sector with many firsts and innovations to its
n Family floater basis (for self, spouse and two credit, offering a powerful mix of strong national presence and
dependent children upto the age of 23 years) unmatched local knowledge.
It’s time to take a smart step! For more information, please contact
Claims procedure
Fast, fair and friendly
In the event of an occurrence likely to give rise to a claim
(cashless or reimbursement) under the policy, you or your
representative needs to: For more details on risk factors and terms &
condition, please read the sales brochure carefully
n Contact the Third-Party Administrator (TPA) named in the
before concluding a sale. ( 080 - 49123900
Schedule to the policy immediately.
È SMS <SERVICE> to 5667700
n Deliver to the TPA all information and documents
: customer.service@bharti-axagi.co.in
concerning the claim or reimbursement
n Submit all documents (original bills & prescriptions etc.)
concerning all pre / post hospitalisation expenses
n Submit yourself, if so required, to examination by a
medical practitioner authorised by the company
*This leaflet is only a brief summary of the
n Please contact the number given on your medi-card for
SmartHealth High Deductibles Insurance Policy. SmartHealth
clarifications
Please contact our intermediary / sales officer / High Deductibles
n Cashless hospitalisation facility is available in 3800 any of our offices for the policy wordings.
hospitals around the country Insurance Policy
www.bharti-axagi.co.in
BRO/HPD/THINQ/02-13
Registered Office Address:
Bharti AXA General Insurance Co. Ltd
First Floor, Ferns Icon, Survey No. 28,
Doddanekundi, Bangalore- 560 037.
Insurance is the subject matter of solicitation.

2. Provides an allowance towards expenses incurred on first year of the operation of the policy. However, this
A smart first step the accompanying person at the hospital. exclusion doesn't apply for subsequent renewals with
With SmartHealth High Deductibles Insurance Policy you the company without a break
can now relax. This is a top-up cover for any of your existing n Birth control procedure, hormone replacement therapy
health insurance policies. It offers extended coverage for or any expense related to pregnancy or child birth
hospitalisation due to treatment of disease, illness and What are the additional benefits
injury after applying the deductible that you have opted for. n Aesthetic treatment, cosmetic surgery and plastic
offered? surgery
Renewal discount n AIDS and all diseases, illness and injury related to HIV
Discount equivalent to 5% of renewal premium every year
n Vitamins and tonics unless forming part of treatment for
What does this policy cover? will be given back to the Insured as Renewal Discount at
disease, illness or injury
the time of renewal for every claim-free year. This renewal
The policy provides the following coverage: discount on a progressive scale will be allowed upto 25%. n Sex change treatment
n Hospitalisation benefit Income tax benefit n Treatment of mental disease / illness, stress,
Covers hospitalisation expenses including doctor Premium paid under the policy shall be eligible for income psychiatric or psychological disorders
fees, room charges, expenses towards surgery and tax deduction benefit under Sec. 80 D as per the Income
n Any criminal act
medicine costs, incurred for treatment of disease, Tax Act.
illness or injury. The payment or reimbursement is n War, terrorism and nuclear group of perils
subject to applying the deductibles agreed for. n Naturopathy treatment
n Pre and post hospitalisation expenses
Who is eligible to apply for this n Any treatment received outside India
Reimburses medical expenses related to disease Covers expenses incurred for treatment relating to
or injury, requiring hospitalisation, for a period pre-existing diseases, illness or injury, after 4 policy? What are the deductible and sum
of 30 days prior to hospitalisation and for a continuous renewals with us.
period of 60 days post hospitalisation. n Transplantation of organs
The policy is applicable for persons from the age group of 5 insured options available?
years to 65 years (renewable upto 75 years). However,
n Pre-existing diseases Provides coverage for hospitalisation expenses children in the age below the age of 5 years can be covered
incurred towards donor in case of major organ under the ‘Family Floater’ Plan.
transplantation. The policy can be issued to cover you, your spouse and
two dependent children upto the age of 23 years.
n Ambulance charges
Provides reimbursement of expenses incurred for
the transportation by ambulance to and from the
hospital for treatment. What does this policy not cover?
n In-patient physiotherapy charges The policy does not cover expenses relating to:
Provides for reimbursement of charges incurred n Medical expenses incurred for treatment undertaken
towards physiotherapy in the hospital for the for disease or illness within the first 30 days of the
treatment of the disease, illness or injury. inception date of the first policy
For life to be happy n Accompanying person's expenses
and satisfying, n Pre-existing diseases / illness / injury / conditions.
However, the same would be covered from the 5th year
good health is an of the policy after four continuous renewals with the
important factor. Do not Key differentiators company without a break
let growing medical expenses n Dental treatment or surgery of any kind unless requiring
n Unique policy to 'top-up' your existing health
take that joy away from you. Put insurance cover hospitalisation
your trust in comprehensive n Treatment of cataract, benign prostatic hypertrophy,
n Wide range of Sum Insured options – upto
health protection – Rs. 10 Lakhs dilation and curettage, hernia, hydrocele, congenital
internal disease and other such treatments during the
think smart!