Bharti Axa

Bharti Axa Smart Super Health Assure: Offers coverage of 1-4 lakhs with extensive benefits and no absurd conditions. The main downside is that 4 lakhs might not be enough for comprehensive protection.

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whatWeLike What We Like

This section highlights the strengths and benefits of Smart Super Health Assure policy by Bharti Axa. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Some Restoration Benefit

Full Cover Restoration for Different Complications: After a partial claim, the insurer will fully restore your cover if you are hospitalized again for...

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Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (50% Annually, Cap at 100%, Claim Reduction): Your sum insured increases by 50% each year as long as you make no claims during th...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Smart Super Health Assure policy by Bharti Axa. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Smart Super Health Assure in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Bharti AXA Smart Super Health Assure Plan is designed to offer comprehensive health coverage with a focus on preventive care.

Yes, the plan covers pre-existing conditions after a waiting period of 36 months.

Yes, the plan includes coverage for alternative treatments like Ayurveda, Homeopathy, and Unani.

The plan covers hospitalization expenses up to the sum insured, including room rent, ICU charges, and doctor's fees.

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