Bharti AXA Smart Health Critical Illness Health Insurance Plan

Entry age

Minimum age: 3 months Maximum age: 55 years

Policy term

1 year

Maximum age for renewal

65 years

Variants

1. Payment for treatment of critical illness after diagnosis
2. Payment for treatment post survival for more than 30 days after diagnosis

Critical illness covered

1. Cancer
2. Major burns
3. Kidney failure
4. Stroke
5. First heart attack
6. Coronary Artery Disease
7. Coronary Artery Bypass surgery
8. Heart Valve surgery
9. Surgery to Aorta
10. Aplastic Anemia
11. End stage lung disease
12. End stage liver failure
13. Coma
14. Major organ transplant
15. Multiple sclerosis
16. Terminal illness
17. Bacterial meningitis
18. Primary Pulmonary Hypertension
19. Motor Neurone disease
20. Fulminant Hepatitis.

Key features

1. Cashless hospitalisation at 4300+ hospitals across India.
2. Pre and post hospitalisation expenses.
3. Easy claim settlement process.
4. Covers day care treatment.
5. Covers pre existing diseases after four continuous policy renewals.
6. Provides for domiciliary hospitalisation.
7. Renewal discount of 5% on the renewal premium for every claim-free year.
8. Provides for health check-up expenses for every block of four claim free years.

Tax benefits

The plan offers tax benefits under section 80D of the Income Tax Act.

Exclusions

1. Pre existing diseases and conditions for the first four years.
2. Treatment traceable to pregnancy or childbirth.
3. Intentional self injury.
4. Treatment following use of drugs and liquor.
5. Treatment received overseas.
6. Treatment for criminal act.
7. Experimental treatment.
8. Naturopathy treatment.
9. Unani treatment.
10. Congential internal disease.
11. Mental disorder or stress.