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Smart Super health Insurance

Cover for hospitalization expenses incurred in India for treatment of Illness, disease or injury

Why choose a Smart Super Health Plan?

HSBC offers the Smart Super Health Insurance policy from Bharti AXA General Insurance Company. This policy provides cover for hospitalization expenses incurred in India for treatment of Illness, disease or injury

 

The Policy covers:

  • In-patient treatment
  • Pre & Post hospitalization expenses
  • Day care treatment
  • Domiciliary hospitalisation
  • Organ donor
  • Ayush treatment
  • Convalescence benefit
  • Ambulance charges
  • Animal bite (Vaccination)
  • Out-patient emergency medical expenses (accident only)
  • Out-patient dental expenses in case of accident
  • Domestic air ambulance and restoration of sum insured

Plan UIN Number

  • BHAHLIP18014V01/1718

Ways to open:

Online, Branch

 

 

 

Cover Levels

Cover level sum insured options

Cover Level

Sum insured in Lacs

Value

5, 7.5

Classic

10, 15, 20

Uber

20, 30, 50, 60, 70, 80, 90, 100

Cover Levels

Cover level sum insured options

Cover Level

Value

Sum insured in Lacs

5, 7.5

Cover Level

Classic

Sum insured in Lacs

10, 15, 20

Cover Level

Uber

Sum insured in Lacs

20, 30, 50, 60, 70, 80, 90, 100

Plan Benefits

Schedule of Benefits

Salient features & benefits

Coverage for Value, Classic and Uber

Basic cover (up-to the sum insured limit)

Up to sum insured

In-patient  Treatment

Up to sum insured

Pre-hospitalization - 60 Days

Up to sum insured

Post-hospitalization- 90 Days

Up to sum insured

Organ Donor

Up to sum insured

Day care Treatment (As per Appendix I)

Up to sum insured

Ayush Treatment

Up to sum insured

Domiciliary Hospitalization

Up to sum insured

Plan Benefits

Schedule of Benefits

Salient features & benefits

Basic cover (up-to the sum insured limit)

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

In-patient  Treatment

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

Pre-hospitalization - 60 Days

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

Post-hospitalization- 90 Days

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

Organ Donor

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

Day care Treatment (As per Appendix I)

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

Ayush Treatment

Coverage for Value, Classic and Uber

Up to sum insured

Salient features & benefits

Domiciliary Hospitalization

Coverage for Value, Classic and Uber

Up to sum insured

Sum Insured

Sum insured that can be opted up to the age at entry of 65 years on Individual and/or Floater basis are as follows:

Value: 5 Lakhs, 7.5 Lakhs

Classic: 10 Lakhs, 15 Lakhs and 20 Lakhs
Uber: 20 Lakhs, 30 Lakhs, 50 Lakhs, 60 Lakhs, 70 Lakhs, 80 Lakhs, 90 Lakhs and 1 Crore

This product can be availed by HSBC Premier and HSBC Advance customers.

Optional Covers & Additional Benefits

The policy also has optional covers like:

  1. Hospital cash allowance
  2. Maternity and new born baby cover
  3. Critical illness

Additional benefits under this policy:

  1. Income Tax benefit
  2. No Claim Bonus
  3. Annual Health Check-up

Waiting Period

A1. 30 days waiting period:

Expenses incurred for treatment undertaken for disease or illness within 30 days of the inception date of first/ initial policy.


A2. Specific waiting period:

Hospitalization expenses incurred on treatment of specified diseases or Illness or procedures/ surgeries within the first two years (continuously renewed without any break) from the inception of initial / first Policy


A3. Pre-existing diseases / Illness / Injury / conditions:

The benefits will not be available for any condition(s) as defined in the policy, until 48 months of continuous coverage have elapsed, since inception of the first policy with the insurance company. Disclosure of any pre-existing diseases with details must be done at the time of application for this Policy/ addition of member in existing policy, in the proposal form and shall be classified as pre-existing disease post acceptance of such application by the company.


A4. Maternity expenses where maternity cover is opted:

The benefits will not be available for any condition(s) as defined in the policy, until 9 months since inception of the first policy with the insurance company. In all other cases where maternity benefit cover is not opted, all claims directly or indirectly related to maternity stands excluded always.


A5. Critical illness where opted:

60 days waiting period for fresh policy and 30 days survival period.

Key Exclusions

The insurer shall not be liable to make any payment for any claim directly or indirectly caused by or based on or arising out of or howsoever attributable to any of the following:

  1. Any treatment received outside India.
  2. War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
  3. Any Illness or injury directly or indirectly resulting or arising from or occurring during commission of any breach of any law by the insured person with criminal intent.
  4. Disease/ Illness/ Injury whilst performing duties as a serving member of a military or a police force.
  5. Any loss, injury/illness, directly or indirectly caused due to an act of terrorism or terrorist incident, regardless of any contributory causes (if the insurance company alleges that by reason of this exclusion any loss is not covered by this insurance, the burden of proving the contrary shall be upon the insured / insured members
  6. Expenses following Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
  7. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or, as may be necessitated due to an accident.
  8. Experimental and unproven treatment.
  9. Treatment of mental disease / Illness, stress, psychiatric or psychological disorders.
  10. Medical treatment in respect of the illness / injury/ disease caused whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing, potholing, abseiling, deep sea diving, polo, snow and ice sports.
  11. Medical treatment required following involvement in any criminal act of the insured insured members 
  12. Sex change or treatment, which results from, or is in any way related to, sex change.
  13. Dental treatment or surgery of any kind unless requiring hospitalization or in case of out-patient Dental Emergency Treatment (unless arising out of Accident only as specified under the scope of the Policy). 

This is not the exhaustive list of exclusions, kindly refer to the policy wording document for the detailed list of exclusions.

Other Benefits

Other Benefits for the Smart Super Health

Benefit

Value

Classic

Uber

No Claim Bonus

As per policy schedule

As per policy schedule

As per policy schedule

As per policy schedule

Health Check-up

Annual – Basic

Annual – extended

Annual – comprehensive

Annual – comprehensive

Restoration of Sum Insured

Up to 100% of sum insured

Up to 100% of sum insured

Up to 100% of sum insured

Up to 100% of sum insured

Emergency Surface Ambulance charges

₹3,000/event

₹3,000/event

₹3,000/event

₹3,000/event

Convalescence Benefit  ( on continuous 10 days hospitalization or more)

Not Available

₹10,000

₹15,000

₹20,000

Outpatient emergency treatment (Accident only)

Not Available

₹2,500

₹10,000

₹10,000

Animal bite (Vaccination)

Not Available

₹2,500

₹5,000

₹5,000

Domestic  Air Ambulance (max once in a Policy year / per life)

Not Available

Not Available

Up to ₹1,00,000

Up to ₹2,00,000

Outpatient Dental emergency (arising out of Accident only)

Not Available

Not Available

₹5,000

₹7,500

Other Benefits for the Smart Super Health

Benefit

No Claim Bonus

Value

As per policy schedule

Classic

As per policy schedule

Uber

As per policy schedule

Benefit

Health Check-up

Value

Annual – Basic

Classic

Annual – extended

Uber

Annual – comprehensive

Benefit

Restoration of Sum Insured

Value

Up to 100% of sum insured

Classic

Up to 100% of sum insured

Uber

Up to 100% of sum insured

Benefit

Emergency Surface Ambulance charges

Value

₹3,000/event

Classic

₹3,000/event

Uber

₹3,000/event

Benefit

Convalescence Benefit  ( on continuous 10 days hospitalization or more)

Value

Not Available

Classic

₹10,000

Uber

₹15,000

Benefit

Outpatient emergency treatment (Accident only)

Value

Not Available

Classic

₹2,500

Uber

₹10,000

Benefit

Animal bite (Vaccination)

Value

Not Available

Classic

₹2,500

Uber

₹5,000

Benefit

Domestic  Air Ambulance (max once in a Policy year / per life)

Value

Not Available

Classic

Not Available

Uber

Up to ₹1,00,000

Benefit

Outpatient Dental emergency (arising out of Accident only)

Value

Not Available

Classic

Not Available

Uber

₹5,000

Optional Benefits

Optional Add-on Benefit (on payment of additional premium): Covered only if specified in Policy schedule

Benefit

Value

Classic

Uber

Hospital cash allowance  (Upto Maximum upto 30 days with one day deductible)

Option of ₹500,1,000 / day

Option of ₹500,1000,2000 / day

Option of ₹500, 1000, 2000, 3000 / day

Option of ₹500, 1000, 2000, 3000 / day

Maternity Benefit:
-Maternity Benefit with 9 month waiting period, upto first 2 deliveries/MTP in lifetime ( available only with 3 yr. Policy term)
-New Born Baby for first 90 days

₹35,000
- Maternity

 

 

₹25,000
-New Born

₹50,000
- Maternity

 

 

₹50,000
-New Born

₹75,000
- Maternity

 

 

₹75,000
-New Born

₹1,00,000
- Maternity

 

 

₹1,00,000
-New Born

Lump sum benefit for critical Illnesses (over and above sum insured)

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Optional Add-on Benefit (on payment of additional premium): Covered only if specified in Policy schedule

Benefit

Hospital cash allowance  (Upto Maximum upto 30 days with one day deductible)

Value

Option of ₹500,1,000 / day

Classic

Option of ₹500,1000,2000 / day

Uber

Option of ₹500, 1000, 2000, 3000 / day

Benefit

Maternity Benefit:
-Maternity Benefit with 9 month waiting period, upto first 2 deliveries/MTP in lifetime ( available only with 3 yr. Policy term)
-New Born Baby for first 90 days

Value

₹35,000
- Maternity

 

 

₹25,000
-New Born

Classic

₹50,000
- Maternity

 

 

₹50,000
-New Born

Uber

₹75,000
- Maternity

 

 

₹75,000
-New Born

Benefit

Lump sum benefit for critical Illnesses (over and above sum insured)

Value

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Classic

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Uber

Option of ₹2L, 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 30L

Key Things You Should Know

Benefits of this policy are applicable only if the insured/ insured members are treated in India.

Optional features like hospital cash allowance, maternity and new born baby cover and critical illness will be covered under this policy only if specifically opted at the time of policy purchase.

This policy covers critical illness with a lump sum payment and reimbursement options under different plans. In case you are already covered for critical illness, kindly make an informed decision for this policy.

Pre-existing illnesses and injuries are covered after a period of 4 years from the inception of the policy.

Pre-existing illnesses and injuries, if not disclosed at the time of buying the policy, will not be covered even after the waiting period.

This policy will be issued for a period of 12 / 24 / 36 months basis the tenure opted and are subsequently renewable, if the renewal is consented by the policy holder.

The insurer offers life-long renewal unless the insured / insured members or any one acting on behalf of an insured / insured members has acted in an improper, dishonest or fraudulent manner or has made misrepresentation in relation to this policy or the policy poses a moral hazard.

This policy also provides for cashless servicing across India. Kindly refer to Bharti AXA General Insurance website for the list of empanelled hospitals for cashless servicing.

Purchase of the insurance product is purely voluntary and is not linked to availment of any other facility from the bank

Apply for a HSBC Smart Super Health Insurance Plan

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Important Information

Terms & Conditions

The Insurance products are offered and underwritten by Bharti AXA General insurance company Limited (IRDA Regn. No. 139) 1st Floor, Ferns Icon, Survey No 28, Off Outer Ring Road, Doddanekundi, Bangalore - 560037, India.
The Hongkong and Shanghai Banking Corporation Limited, India (IRDAI Regn. no. CA0016) whose registered office is at 52/60, M. G. Road, Fort, Mumbai 400 001, is the Corporate Agent of Bharti AXA General insurance company Limited having its registered office at 1st Floor, Ferns Icon, Survey No 28, Off Outer Ring Road, Doddanekundi, Bangalore - 560037,  India. The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer.
The contract of insurance is between the insurer and the insured and not between the bank and the insured.
The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer.
HSBC will receive 15% commission on the premium amount from Bharti AXA General insurance company for this transaction.
For more details on risk factors, terms and condition please read the Policy wording Document carefully before concluding a sale.

Website: www.bharti-axagi.co.in
Call: Service 080 - 49123900
SMS: Claim or Service or Renew or Call Back to 5667700
Email: customer.service@bharti-axagi.co.in

You may also approach your nearest HSBC branch for any claim or service related queries/request.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDA clarifies to public that:
IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of the phone call and number.