Smart Health Critical Illness Floater
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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.
  • 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.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
  • Cashless hospitalization facility is available in more than 4300 hospitals.
Title Description
Ambulance Expenses upto Rs.2500
Attendant Allowance Yes
Automatic Restoration of Sum Insured Yes
Daily Hospitalization Allowance Rs.750 per day, max.30 days
Donor Expenses 15% off on SI over & above the original SI.
ICU Daily Rent Limit 100% of S.I
Minimum Hospitalization Period 24 Hrs
No Claim Bonus NA
No Claim Discount 5% every claim free year, upto max. 25%.
Nursing Allowance Rs.350 per day, max.30 days
Post Hospitalization Expenses 60 Days
Pre-Existing Disease / Illness coverage After 48 months.
Pre-Hospitalization Expenses 30 Days
Room Rent Limit 100% of S.I
Waiting Period for New Policy 60 Days