Bharti AXA SmartHealth Critical Illness

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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 -

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



 

What is covered in Bharti AXA SmartHealth Critical Illness Insurance Plan?

 

  • 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.

 

 

Additional Benefits of Bharti AXA Smart Health Critical Illness Insurance Plan

 

  • 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

 

 

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?

 

  • 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

 

 

Alternate health insurance plans from other insurance companies

 

Bajaj Allianz Critical Illness policy

Star Health Criticare Plus

Tata AIG Criticare Critical Illness Cover

ICICI Lombard Critical Care Insurance

HDFC Ergo Critical Illness

 

 

Other Health plans from Bharti AXA

 

Bharti AXA SmartHealth Essential

Bharti AXA SmartHealth

Bharti AXA SmartHealth High Deductibles

Compare Health Plans

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