Bharti AXA Smart Health Critical Illness Plan

Bharti AXA offers a range of life insurance and health insurance policies. Bharti AXA Critical Illness Insurance is one of the many health insurance plans offered by Bharti AXA. It offers cover for the insured if they are diagnosed with any of the 20 critical illness covered in the plan. The insurance pays for hospitalisation expenses upon diagnosis and 30 days of survival after diagnosis. It pays up to the sum assured (Rs.2 lakh to Rs.5 lakh) on lump sum compensation basis. The money can be used for expenses such as Car EMI’s, children’s school fee, credit card payments other than the hospitalisation charges.

Features & Benefits - Bharti AXA Critical Illness Insurance:

Entry age Minimum age: 3 months Maximum age: 55 years
Policy term 1 year
Maximum age for renewal 65 years
  • Payment for treatment of critical illness after diagnosis
  • Payment for treatment post survival for more than 30 days after diagnosis
Critical illness covered
  • Cancer
  • Major burns
  • Kidney failure
  • Stroke
  • First heart attack
  • Coronary Artery Disease
  • Coronary Artery Bypass surgery
  • Heart Valve surgery
  • Surgery to Aorta
  • Aplastic Anemia
  • End stage lung disease
  • End stage liver failure
  • Coma
  • Major organ transplant
  • Multiple sclerosis
  • Terminal illness
  • Bacterial meningitis
  • Primary Pulmonary Hypertension
  • Motor Neurone disease
  • Fulminant Hepatitis.
Key features
  • Cashless hospitalisation at 4300+ hospitals across India.
  • Pre and post hospitalisation expenses.
  • Easy claim settlement process.
  • Covers day care treatment.
  • Covers pre existing diseases after four continuous policy renewals.
  • Provides for domiciliary hospitalisation.
  • Renewal discount of 5% on the renewal premium for every claim-free year.
  • 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.
  • Pre existing diseases and conditions for the first four years.
  • Treatment traceable to pregnancy or childbirth.
  • Intentional self injury.
  • Treatment following use of drugs and liquor.
  • Treatment received overseas.
  • Treatment for criminal act.
  • Experimental treatment.
  • Naturopathy treatment.
  • Unani treatment.
  • Congential internal disease.
  • Mental disorder or stress.

The policy can be renewed every year and one can avail rewards for

Read terms, conditions and exclusions mentioned in the policy document.

Find cashless network hospitals nearby: Bharti AXA Health Insurance Network Hospitals

Other Health Insurance Plans from Bharti AXA

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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