Bharti AXA General Insurance Company Limited
Smart Super Health Assure
UIN BHAHLIP20108V011920We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
95%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 90 days
Network hospitals
5,500+
Free look
15 days
What this plan does well
- Age-tiered CB accrual — 50% per year up to age 45; 20% per year up to age 65 (DISTINCTIVE design)
- CB cap 100% of current SI (industry-standard cap)
- AYUSH up to SI
- Modern Treatments up to SI
- 20 listed Critical Illnesses
- Free annual health checkup at renewal (no claim required)
- Domiciliary >3 days up to SI
- Pre/Post 60/90 (industry standard)
Watch out for
- Specific disease waiting 24 months (industry standard but vs. some 12mo plans)
- Free Look 15 days
- Network ~5.5K (smaller than top-tier 18K+)
- No proportionate deduction stated but verify schedule
- CB drops to 20%/yr for buyers aged >45 (lower than younger buyers)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.