Smart Health Critical Illness Individual
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Bharti AXA s SmartHealth Critical Illness policy is simple yet comprehensive policy which covers all expenses incurred as a result of critical illnesses.


  • Get benefits such as In-patient physiotherapy charges.
  • Life long policy renewal is available.
  • Cashless hospitalization facility is available in more than 4300 hospitals.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
  • 5% discount on the renewal premium for every claim-free year, up to a maximum of 25%.
  • Get additional benefits such as children education benefit & Carriage of mortal remains.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
Title Description
Room Rent Limit 100% of S.I
ICU Daily Rent Limit 100% of S.I
Pre-Hospitalization Expenses 30 Days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Automatic Restoration of Sum Insured Yes
Pre-Existing Disease / Illness coverage After 48 months.
Waiting Period for New Policy 60 Days
Ambulance Expenses upto Rs.2500
Daily Hospitalization Allowance Rs.750 per day, max.30 days
Donor Expenses 15% off on SI over & above the original SI.
Attendant Allowance Yes
Nursing Allowance Rs.350 per day, max.30 days
No Claim Discount 5% every claim free year, upto max. 25%.