Bharti AXA Smart Health Critical Illness Insurance Policy
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.
Variants in Bharti AXA SmartHealth Critical Illness Insurance Policy
There are 2 variants available in Bharti AXA SmartHealth Critical Illness Insurance Policy. They are -
What is covered in Bharti AXA SmartHealth Critical Illness Insurance Plan?
Additional Benefits of Bharti AXA Smart Health Critical Illness Insurance Plan
Eligibility & Restrictions of Bharti AXA SmartHealth Critical Illness Insurance Policy
|
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 |
Family floater policy will cover
An individual and/or his spouse
2 dependent children
Schedule of Benefits in Detail
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 |
Exclusions - What is not covered in Bharti AXA SmartHealth Critical Illness Insurance Policy?