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Bharti AXA Life Easy Health Plan

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This plan has been withdrawn by the insurance company and is no longer available for sale.

 

Bharti AXA Life Easy Health Plan
 
Bharti AXA Life Easy Health Plan is a Health Plan which caters to hospitalization benefit along with certain exclusive benefits as well.
 
How it works – This plan is a 3 year Health Insurance Plan where the premium remains the same for the entire period of 3 years. There is an additional discount of 10% in premium that is provided for inclusion of family members under this plan as well.
 
Under the regular benefits, this plan pays for Daily Hospitalization Benefit is paid in a lumpsum while the Life Insured is hospitalized so that it can compensate for the loss of wages, etc. as well. This plan has Accidental Hospitalization Benefit advantage is paid in a lumpsum for hospitalization due to accidents. Intensive Care Benefit is also paid in a lumpsum for admission of the Life Insured in the Intensive Care Unit. Alongside an additional Benefit of Get Well Soon benefit is also paid for hospitalization more than 7 days.
 
 
Key Features of Bharti AXA Life Easy Health Insurance Plan
 
  • This Health Plan has affordable and low premium and can be taken for a 3 years term as well
  • This plan has an Additional protection with Accidental Hospitalisation Benefit and Intensive Care Benefit
  • This policy provides choice of a range of Daily Hospital Cash Benefit can be chosen and corresponding Accidental Hospitalisation Benefit, Intensive Care Benefit and ‘Get-Well-Soon’ Benefit would be provided according to the Option Selected.
  • There are 4 variants of the plan:
 

 

Benefits
Option 1
Option 2
Option 3
Option 4
Daily Hospital Cash Benefit
500
750
1000
1500
Accidental Hospitalisation
Benefit
500
750
1000
1500
Intensive Care Benefit
500
750
1000
1500
‘Get-Well-Soon’ Benefit per year
1500
2250
3000
4500
 
  • This plan covers self, spouse, children as well as parents
  • Pays a fixed lump sum which you can use to meet expenses not covered by other health insurance products
  • This plan has a facility of ‘Get-Well-Soon’ Benefit in case of continuous hospitalisation for more than 7 days
  • There is no requirement of Medical Tests in this plan. Only a declaration of Good Health is sufficient
 
 
Benefits you get from Bharti AXA Life Easy Health Policy
 
Death Benefit – There in no Death Benefit in this plan.
 
Maturity Benefit – This plan being a pure Health Insurance Plan has no Maturity Benefit as well.
 
Income Tax Benefit – Health Insurance Premiums paid up to Rs. 15,000 for normal residents and Rs 20,000 for Senior Citizen are allowed as a deduction from the taxable income each year under section 80D
 
 
Additional Benefits from Bharti AXA Life Easy Health Insurance Policy
 
  • There is a discount of 10% in premium for inclusion of family members in the plan
  • There is no requirement of medical tests under this plan
 
 
Eligibility conditions & other restrictions in Bharti AXA Life Easy Health Plan
 

 

 
Minimum
Maximum
Sum Assured (in Rs.)
 
No Limit
Policy Term (in years)
3
Entry Age of Life Insured/ Spouse/ Parents (in years)
18
52
Age at Maturity of Life Insured/ Spouse/ Parents  (in years)
-
55
Entry Age of Child (in years)
0
22
Age at Maturity of Child (in years)
-
25
Premium (in Rs.)
 
No Limit
Payment modes
Yearly, Half-Yearly. Quarterly and Monthly
 
                               
Sample illustration of premium amount in Bharti AXA Life Easy Health Plan
 

The below illustration is for a healthy Male (non-tobacco user) opting for Daily Hospital Cash Benefit = Rs. 1000 for a Policy Term of 3 years
Bharti AXA Life Easy Health Plan Sample Premiums

 

What happens if?
 
You stop paying the premium – This is a three years renewable policy. Hence if you do not renew the policy, all benefits would lapse. If the lapsed policy is not revived within 90 days of the due date of the first unpaid premium then the policy will be terminated
 
You want to surrender the policy – There are no surrender benefits under this term plan.
 
You want a loan against your policy – Loan facility is not available under this policy.
 
 
Policy Exclusions
 
  • There are certain exclusions under which claim would not be admitted. They are:
  •  
  • Hospitalisation for Pre-Existing Illness, their complications, congenital diseases/defects, and sexually transmitted diseases including HIV/AIDs are not covered
  • Hospitalisation for treatment other than under the Allopathic system of medicine are not covered
  • Hospitalisation primarily for investigatory/diagnostics purpose, routine consultations/examination, weight reduction or gain or for preventative treatment are not covered
  • Hospitalisation for voluntary surgery/procedures which are not deemed as medically necessary or for rest cure/rehabilitation or for cosmetic or dental treatment is not covered. Only reconstruction surgery or dental surgery due to accident will be covered
  • Hospitalisation in case of maternity/infertility/sterility/erectile dysfunction/impotency/miscarriage/abortion/sterilisation/contraception/circumcision is not covered
  • Hospitalisation for treatment or management of psychiatric conditions, insanity, mental and nervous breakdown are not covered
  • Hospitalisation arising out of self-inflicted injury and participation in hazardous activities and sports are not covered
  • Hospitalisation arising out of war and war-like situation, committing an assault, a criminal offence, an illegal activity or any breach of law
  • Hospitalisation directly or indirectly arising from alcoholism or drug abuse and any injury or sickness which the insured may suffer after he has taken intoxicating liquors or drugs
 
 
How to Make a Claim?
 
You can make a claim any time of the day in their 24 hour Customer Service desk.
 
However, all claim under this plan needs to be made within 90 days of hospitalization along with the following documents:
  1. A copy of the original Policy Document.
  2. Claim Intimation Form duly filled and signed by the Policyholder or the Nominee, in case of death of the Life Insured, in original.
  3. The Doctor’s Certificate who did the treatment, duly filled and signed in original.
  4. Copies of Medical records, discharge card/summary, Investigation reports, consultation papers, hospital bills.
  5. An attested copy of Age proof.
Without the above mentioned documents, the claim request would not get registered. The company may request for additional information or documents, which needs to be resolved as well.
 
All claims requests are to be sent to either the nearest Bharti AXA Life Branch Or 
The Claims Team
Bharti AXA Life Insurance Company Limited
Unit No. 601 & 602, 6th Floor, Raheja Titanium,
Off Western Express Highway,
Goregaon (East), Mumbai - 400 063
 
For any claims/ product-related queries or servicing requests, please contact their customer care toll- free at: 1800-102-4444
 
 
Frequently Asked Questions Bharti AXA Life Easy Health Plan
 
  • Does Bharti AXA Life Easy Health Plan cover Pre-existing Diseases?
 
As mentioned under Exclusions, Bharti AXA Life Easy Health Plan does not cover Pre existing Diseases and hospitalization from the same. It is not even after continuous renewals as in other plans.
 
  • Do I need to get my Medicals done under Bharti AXA Life Easy Health Plan?
 
As mentioned under Key Features, There is no requirement of Medical Tests in this plan. Only a declaration of Good Health is sufficient. However, if the medical underwriters feel necessary, they may call for medical tests but not under usual circumstances. Hence please mention all ailments in details.
 
  • Is Maternity Benefit provided under Bharti AXA Life Easy Health Plan?
 
As mentioned under Exclusions, Bharti AXA Life Easy Health Plan does not cover Maternity Benefit and hospitalization from the same. It is not even after continuous renewals as in other plans.



 
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