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List of Critical Illnesses covered in Bharti Axa Flexi Term Plan

List of Critical Illnesses covered in Bharti Axa Flexi Term Plan

The following Critical Illnesses are  covered as part of the Critical Illness Benefit in the Bharti Axa Flexi Term Plan. This covers both the Comprehensive
option in which 34 critical Illnesses are covered and the Major option in which 14 illnesses are covered.

How the Critical Illness Benefit works in this plan?

In case the policyholder is diagnosed with any of the listed critical illnesses and has chosen this benefit, the lumpsum amount chosen for this cover is paid to the policyholder. The life cover will continue and all future premiums will be waived.
# Critical Illness Comprehensive Major Illness
1 Cancer of Specified Severity Yes Yes
Myocardial Infarction (First Heart Attack of Specific Severity) Yes Yes
3 Open Chest CABG Yes Yes
4 Open Heart Replacement or Repair of Heart Valves Yes Yes
5 Cardiomyopathy Yes Yes
6 Surgery to Aorta Yes Yes
7 Primary (Idiopathic) Pulmonary Hypertension Yes Yes
8 Angioplasty Yes Yes
9 Pericardectomy Yes Yes
10 Coma of Specified Severity Yes Yes
11 Kidney Failure Requiring Regular Dialysis Yes Yes
12 Major Organ / Bone Marrow Transplant Yes Yes
13 Stroke resulting in Permanent Symptoms Yes Yes
14 Multiple Sclerosis with persisting symptoms Yes Yes
15 Permanent Paralysis of Limbs Yes Yes
16 Blindness Yes No
17 Third Degree Burns Yes No
18 Major Head Trauma Yes No
19 End Stage Lung Failure Yes No
20 End Stage Liver Failure Yes No
21 Deafness Yes No
22 Loss of Speech Yes No
23 Apallic Syndrome Yes No
24 Loss of Limbs Yes No
25 Aplastic Anemia Yes No
26 Medullary Cystic Disease Yes No
27 Benign Brain Tumour Yes No
28 Motor Neuron Disease with permanent symptoms Yes No
29 Brain Surgery Yes No
30 Alzheimer's disease Yes No
31 Muscular Dystrophy Yes No
32 Parkinson’s disease Yes No
33 Poliomyelitis Yes No
34 Systematic Lupus Erythematosus Yes No

Note: In the case of Angioplasty, the payout will be restricted to Rs. 5 lakhs and the waiver of premium is also not applicable. 

It is best to go through the policy brochure to understand the critical illness conditions better. 

Click here to read the Bharti Axa Flexi Term Plan Review.

Deepak Yohannan
Deepak Yohannan is the CEO of MyInsuranceClub. He enjoys writing on Personal Finance and contributes regularly on sites like Reuters & Moneycontrol. He is a strong proponent of online insurance and is often found pointlessly babbling about it!

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