Bharti AXA Health Insurance Plans

Policies and Benefits

The Bharti AXA life triple health insurance plans are described below

• Smart Health Insurance
• Smart Health Critical Illness Insurance
• Smart Individual Personal Accident Insurance

Smart Health Insurance

This package covers most of the expenditure incurred due to hospital admission. There are three sub-categories under Smart Health Insurance package. They are: -

SmartHealth BASIC This plan covers expenses of hospitalization up to 2 lakhs.

SmartHealth Optimum (1) Under this plan, expenses of hospitalization are covered up to 3 lakhs.

SmartHealth Optimum (2) Hospitalization expenses are covered up to 5 lakhs under this package.

Features and Benefits under Smart Health Insurance

• Features and Benefits under Smart Health Insurance
• Cashless hospitalization facility in about 4300 networked hospitals.
• Expenses for nursing at home reimbursed.
• Transplantation of organs is included.
• Charges of the ambulance are paid.
• Renewal discount of 5% is provided under this plan.
• After four continuous renewals of policies, pre-existing conditions are allowed.
• Expenses of a routine health check up are paid after four claim free years.
•  The three lakhs and five lakhs plans cover critical illnesses. The insured will receive the entire sum assured provided the policy is subscribed for more than 60 days and the insured individual has survived for more than 30 days.

Eligibility

• Any Indian resident with a minimum age of 91 days is eligible. There is no maximum age bar.
• For Family Floater, the policy covers maximum four members of the family including the policyholder, spouse and two dependent children. The age limit of children is 90 days to 23 years.

Policy Period - 12 months

Sum Assured - 3 to 60 lakhs

Smart Health Critical Insurance

As the name suggests, the plan is designed particularly for critical illnesses.

Features

• This plan allows 20 critical illnesses to insure. They are:-
Cancer
First Heart Attack
Coma
Major Burns
Stroke
Multiple Sclerosis
Coronary Heart Disease
Surgery to Aorta
End Stage Lung Disease
End Stage Liver Failure
Terminal Illness
Motor Neuron Disease
Fulminant Hepatitis
Bacterial Meningitis
Primary Pulmonary Hypertension
Aplastic Anaemia
Coronary Artery Bypass Surgery
Organ/Bone Marrow Transplantation
Kidney Failure
Heart Valve Surgery
• Medical examination reimbursement available.
• Children education fund is provided under this plan.
• Portability facility is allowed with this plan in which the insured can shift from one health plan to another.

Eligibility

The age bar for Smart Health Critical Insurance is 91 days to 55 years. For children, the age limit is 90 days to five years if one of the parents is insured.

Policy Period - 12 months

Sum Assured - 3 to 60 lakhs

Smart Individual Personal Accident Insurance Plan

This plan covers expenses arising from death and disability of the insured by accident.

Features

• Inpatient physiotherapy, expenses are covered under this plan.
• Recovery grant is available under this option.
• The expense of any person who was accompanying is covered under Smart Individual Personal Accident Insurance Plan.
• Feature of Double Death Benefit or Permanent Total Disablement benefit is added in this plan in case of death or permanent total disability of the insured.
• This plan extends accident hospitalization expenses coverage and hospital daily cash allowance.
• Legal expenses are also covered under this option.
• Expenses of transportation of mortal remains are covered.
• Pre-hospitalization and post- hospitalization expenses are covered.
• Permanent partial and total disability and temporary disability are included in this plan.
• Coverage of organ transplant expenses available.
• The company is well connected with 4,300 hospitals across the country.
• It covers death due to accidents too.

Eligibility

• Any Indian resident within the age bar of 18 to 75 years is eligible for this plan.

Exclusions

• Suicides and self-inflicted harm.
• AIDS and other related diseases.
• Chronic renal failure which requisites dialysis.
• Eye and ear examination which is carried out on a routine basis.
• Dental procedures are excluded.
• Laser and Cataract surgery are not covered.
• Skin conditions such as internal tumours, cysts, polyps including breast lumps are not allowed. This will not be applicable if it is malignant.
• Circumcision and sex change surgery are not included.
• Procedures related birth, fertility and pregnancy are not covered.