Bharti AXA SmartHealth Critical Illness

 

Bharti Axa SmartHealth Critical Illness insurance plan pays for hospitalisation expenses, covers 20 critical illnesses, pre and post hospitalisation expenses, hospital cash, child education and variety of other expenses.    

 

 

 

There are 2 variants available in Bharti AXA SmartHealth Critical Illness Insurance Policy. They are -

• Payment for treatment of critical illnesses, once diagnosed
• Payment for treatment post survival for more than 30 days after diagnosis

 

 

• Covers hospitalisation expenses
• Provides for domiciliary hospitalisation
• Covers day care treatment
• Also provides for pre and post hospitalisation expenses
• Covers pre existing diseases after 4 continuous policy renewals
• Policy covers 20 Critical Illness mentioned below
  1. First heart attack
  2. Cancer
  3. Stroke
  4. Kidney failure
  5. Coma
  6. Major burns
  7. Bacterial meningitis
  8. Terminal illness
  9. End stage liver failure
  10. Organ / bone marrow transplant
  11. Multiple sclerosis
  12. Aplastic anaemia
  13. Fulminant hepatitis
  14. End-stage lung disease
  15. Heart valve surgery
  16. Coronary artery disease
  17. Coronary artery bypass surgery
  18. Surgery to aorta
  19. Motor neuron disease
  20. Primary pulmonary hypertension
• For section 1: hospitalisation expenses, pre and post hospitalisation expenses, organ transplant, hospital cash allowance, home nursing, ambulance charges, in-patient physiotherapy, recovery grant, dread disease recuperation, expenses of accompanying person, children education fund, mortal remains.

 

 

 

• Renewal discount of 5% of the renewal premium for every claim-free year
• Provides for Cost of health check-up for every block of four claim-free years

 

 

 

 

	Minimum	Maximum
Coverage Amount (in Rs.)	1,000 per day	3,000 per day
Policy Term (in years)	1	1
Entry Age	3 months	55 years
Renewable till Age	-	65 years

 

 

 

An individual and/or his spouse

2 dependent children

 

 

 

A) Payment / Reimbursement of hospitalisation expenses for treatment of critical illnesses (up to the limit of SI Section opted) once diagnosed

 

	SI (in Rs.)	SI (in Rs.)	SI (in Rs.)
Particulars	200000	300000	500000
Hospitalisation expenses indemnity basis	100% of SI	100% of SI	100% of SI
Pre-Hospitalisation	100% of SI	100% of SI	100% of SI
Pre-Hospitalisation	100% of SI	100% of SI	100% of SI
Dread disease recuperation	Rs 500 per day for a max of 45 days	Rs 500 per day for a max of 45 days	Rs 500 per day for a max of 45 days
Organ transplant	15% off on SI over and above the original SI;	15% off on SI over and above the original SI;	15% off on SI over and above the original SI

 

Additional benefits

 

	SI (in Rs.)	SI (in Rs.)	SI (in Rs.)
Particulars	200000	300000	500000
Hospital cash allowance	Rs. 750 per day for 30 days after the first 3 days	Rs. 1000 per day for 30 days after the first 3 days	Rs.1000 per day for 30 days after the first 3 days
Home nursing	Rs. 350 per day for 10 days after the first 3 days	Rs. 500 per day for 10 days after the first 3 days	Rs. 500 per day for 10 days after the first 3 days
Ambulance charges	Rs. 2500	Rs. 2500	Rs. 2500
Inpatient physiotherapy	2% of SI	2% of SI	2% of SI
Recovery grant	Rs. 12500	Rs. 12500	Rs. 12500
Expenses of accompanying person	Rs 250 for 10days after first three days	Rs 250 for 10days after first three days	Rs 250 for 10days after first three days
Children education benefit	Rs. 5000	Rs. 5000	Rs. 5000
Carriage of mortal remains	Rs. 1000	Rs. 2000	Rs.2000

 

B) Payment of compensation, equivalent to the limit of SI opted, on diagnosis of critical illnesses and on survival for more than 30 days

 

 

	SI (in Rs.)	SI (in Rs.)	SI (in Rs.)
Particulars	200000	300000	500000
Payment of compensation	100% of SI	100% of SI	100% of SI

 

 

 

• Pre-existing diseases and conditions for first 4 yrs
• AIDS, HIV and related diseases
• Treatment following use of alcohol or drugs
• Naturopathy or unani, aesthetic, cosmetic, plastic surgery treatments
• Psychiatric and mental or stress disorders
• Diseases existing at birth (congenital)
• Unrecognized or experimental treatments

 

 

 

Bajaj Allianz Critical Illness policy

Star Health Criticare Plus

Tata AIG Criticare Critical Illness Cover

ICICI Lombard Critical Care Insurance

HDFC Ergo Critical Illness

 

 

 

Bharti AXA SmartHealth Essential

Bharti AXA SmartHealth

Bharti AXA SmartHealth High Deductibles