Bharti AXA Smart Health Insurance Policy 2025 – A Complete Guide

Before they arrive, medical emergencies don’t knock on your door. One unexpected hospitalization can drain years of savings, leaving families financially stressed. Because of this, health insurance is becoming a need rather than a luxury.

Among the many plans available in India, the Bharti AXA Smart Health Insurance Policy has emerged as a popular choice for families and individuals who want comprehensive coverage at affordable premiums.

But is this plan right for you in 2025? Let’s break it down in detail.

What is Bharti AXA Smart Health Insurance Policy?

The Bharti AXA Smart Health Insurance Policy is a comprehensive medical insurance plan designed to cover hospitalization expenses, critical illnesses, pre-and post-hospitalization costs, and even daily cash benefits during hospital stays.

It is offered by Bharti AXA General Insurance Company Ltd., which merged with ICICI Lombard in 2021. However, the “Smart Health” branding is still recognized and continues to serve customers under ICICI Lombard’s network.

This policy is crafted for:

• Individuals looking for reliable health coverage
  
• Families seeking a single plan that protects all members
  
• Policyholders seeking extra benefits such as daily cash payments and critical sickness coverage
  

Key Features of Bharti AXA Smart Health Insurance Policy 2025

Here are some of the standout features that make this plan attractive in 2025:

1. Wide Range of Sum Insured Options

• Minimum: ₹2 lakh
  
• Maximum: ₹60 lakh
  
• Freedom to select coverage according to medical need and income
  

2. Comprehensive Hospitalization Coverage

• Covers in-patient hospitalization expenses (room rent, ICU charges, doctor’s fees, operation theater charges)
  
• Pre-hospitalization cover up to 30 days
  
• Post-hospitalization cover up to 60 days
  

3. Daycare Treatment Cover

• Covers 500+ daycare procedures that don’t require 24-hour hospitalization
  

4. Critical Illness Coverage

• Add-on option for life-threatening diseases like cancer, stroke, kidney failure, and heart attacks
  
• Lump sum payout on diagnosis
  

5. Maternity and Newborn Cover

• Optional benefit covering delivery expenses and baby care costs
  
• Waiting period usually applies (3–4 years)
  

6. Tax Benefits

• Premiums eligible for deduction under Section 80D of the Income Tax Act
  

Also Read: Farmers Home Insurance in India: A Lifeline Every Rural Household Should Know About

Bharti AXA Smart Health Insurance Policy Eligibility Criteria

• Entry Age: 5 years to 65 years
  
• Children: Covered from 91 days if at least one parent is insured under the plan
  
• Policy Tenure: 1 year, 2 years, or 3 years (with discounts on long-term policies)
  
• Renewability: Lifetime renewal option
  

Bharti AXA Smart Health Insurance Policy Benefits

Let’s dig into why this plan is worth considering:

✅ Financial Security

It ensures you don’t burn your savings during medical emergencies.

✅ Cashless Hospitalization

Access to 7,500+ network hospitals across India for cashless treatment.

✅ Daily Cash Benefit

For every day spent in the hospital, you get a daily cash allowance (depending on sum insured and chosen variant).

✅ No Claim Bonus (NCB)

Increase your sum covered by up to 100% for years without a claim.

✅ Coverage for Alternative Treatments

AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are covered.

Example – How the Policy Works

Let’s say:

• You buy the Bharti AXA Smart Health Insurance Policy with a sum insured of ₹10 lakh.
  
• After two years, you’re hospitalized for a surgery costing ₹3.5 lakh.
  
• The insurance company pays the full bill (as per terms), saving you from financial stress.
  
• If you didn’t make a claim the following year, your coverage could rise to ₹12 lakh (thanks to No Claim Bonus).
  

This way, the policy doesn’t just secure your present, but also strengthens future coverage.

Premium Chart (Indicative) – 2025

Age Group	Sum Insured	Annual Premium (approx.)
25 years	₹5 lakh	₹6,500 – ₹8,000
35 years	₹10 lakh	₹10,000 – ₹12,500
45 years	₹15 lakh	₹15,000 – ₹18,500
55 years	₹10 lakh	₹22,000 – ₹25,000

Premiums vary depending on city, health condition, and chosen add-ons.

Exclusions – What’s Not Covered?

Like every insurance policy, this one also has exclusions. Some common ones are:

• Pre-existing diseases (covered after waiting period)
  
• Cosmetic treatments
  
• Injuries due to self-harm or alcohol/drug abuse
  
• HIV/AIDS treatment
  
• War or nuclear risks
  

How to Buy Bharti AXA Smart Health Insurance Policy in 2025?

1. Visit the ICICI Lombard official website (since Bharti AXA is now integrated).
   
2. Compare different plans and choose “Smart Health Insurance.”
   
3. Fill in details like age, family members, and sum insured.
   
4. Get instant premium quotes.
   
5. Complete KYC with Aadhaar/PAN and pay online.
   

You can also purchase offline through an authorized insurance advisor or at ICICI Lombard/legacy Bharti AXA offices.

Also Read: Top Benefits of HDFC ERGO Critical Illness Insurance 2025 + Premium Chart Explained

Pros and Cons of Bharti AXA Smart Health Insurance Policy

Pros

• Wide sum insured range (₹2 lakh to ₹60 lakh)
  
• Cashless network across India
  
• Daily cash and critical illness benefits
  
• Flexible family coverage options
  

Cons

• Waiting period for maternity and pre-existing diseases
  
• Premiums slightly higher for senior citizens
  
• Limited international coverage compared to global plans
  

Bharti AXA Smart Health Insurance vs Competitors

Feature	Bharti AXA Smart Health	HDFC ERGO Optima Restore	Star Health Family Floater
Sum Insured	₹2–60 lakh	₹3–50 lakh	₹2–25 lakh
No Claim Bonus	Up to 100%	Up to 50%	25% each year
Critical Illness	Add-on	Included in some plans	Limited
Daily Cash Benefit	Yes	No	No

Also Read: PNB Fixed Deposit Scheme for Road Accident Victims – Complete Guide 2025

FAQs on Bharti AXA Smart Health Insurance Policy

Q1. Is Bharti AXA Smart Health Insurance available in 2025 after the merger with ICICI Lombard?
  Yes, the policy is still available under ICICI Lombard’s umbrella.

Q2. Can I buy this policy for my parents above 60?
  Yes, but premiums will be higher and medical tests may be required.

Q3. Does it cover COVID-19 treatment?
  Yes, hospitalization due to COVID-19 is covered as per IRDAI guidelines.

Q4. Can I port my existing health policy to Bharti AXA Smart Health?
  Yes, as per IRDAI portability rules.

Q5. Is maternity covered?
  Yes, but only after the waiting period (usually 3–4 years).

Conclusion

The Bharti AXA Smart Health Insurance Policy 2025 remains a solid choice for individuals and families who want comprehensive coverage, flexibility, and the trust of a reputed insurer. With features like cashless hospitalization, critical illness cover, and daily cash benefits, it provides a safety net against rising medical costs.