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

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Bharti AXA SmartHealth Critical Illness

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