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.
Covers hospitalisation expenses
Domiciliary hospitalisation
Covers day care treatment
Compare this plan with other Health Plans
Key Features
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
-
- First heart attack
- Cancer
- Stroke
- Kidney failure
- Coma
- Major burns
- Bacterial meningitis
- Terminal illness
- End stage liver failure
- Organ / bone marrow transplant
- Multiple sclerosis
- Aplastic anaemia
- Fulminant hepatitis
- End-stage lung disease
- Heart valve surgery
- Coronary artery disease
- Coronary artery bypass surgery
- Surgery to aorta
- Motor neuron disease
- 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.
Family floater policy will cover
- An individual and/or his spouse
- 2 dependent children
Benefits
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
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 |
Variants
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
Eligibility
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 |
Exclusions
- 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