Bharti AXA General Insurance Company Ltd - Health Plans

Creator: Sushma Rao
Keywords: Smart Health Insurance Policy Benefits, Hospitalization expenses, Domiciliary hospitalization, Day care treatment

Author - Sushma Rao

Medically Reviewed by The Medindia Medical Review Team on May 16, 2015

Health Plans

Cashless hospitalization at 4300+ hospitals across India
Day-care procedures
Pre and post hospitalization expenses
Double sum insured if diagnosed with any of the 20 main critical illnesses (on selected health plans)
Unlimited room rent (on selected health plans)
Lifetime renewal
Tax benefit under section 80 (D) up to Rs 25,000
24x7 claim assistance and easy claim settlement process
5% renewal discount every year maximum up to 25% on a progressive scale

Choosing My Plan

All of us have different health insurance needs, based on family and age; Bharti AXA helps you find the right plan for you, your spouse and children.

	Family Type
Age Group	For You	For Your Spouse	With Children	Widowed with Children
2 - 35 years	Rs.5 lakhs plan	Rs.5 lakhs plan	Rs.3 lakhs plan	Rs.3 lakhs plan
36 - 45 years	Rs.5 lakhs plan	Rs.3 lakhs plan	Rs.3 lakhs plan	Rs.3 lakhs plan
46 - 55 years	Rs.2 lakhs plan	Rs.2 lakhs plan	Rs.2 lakhs plan	Rs.2 lakhs plan
56 - 65 years	Rs.2 lakhs plan	Rs.2 lakhs plan	Rs.2 lakhs plan	Rs.2 lakhs plan

Compare Plans

	SmartHealth BASIC Rs.2,00,000	SmartHealth Optimum Rs.3,00,000	SmartHealth Optimum Rs.5,00,000
Hospitalisation	Rs.2,00,000 Normal - Rs 2,000 per day ICU/CCU - Rs 3,000 per day	Rs.3,00,000 Normal - Rs 3,000 per day ICU/CCU - Rs 4,500 per day	Rs.5,00,000
Pre-hospitalisation	30 days	30 days	30 days
Post-hospitalisation	60 days	60 days	60 days
Day care treatment	Upto SI under section 1	Upto SI under section 1	Upto SI under section 1
Domiciliary hospitalisation	Rs.20,000	Rs.30,000	Rs.50,000
Separate and Additional SI on diagnosis of 20 covered critical illnesses	-	Double the sum insured	Double the sum insured
Hospital Cash Allowance	Rs.200 per day for 10 days after first 3 days	Rs.750 per day for 30 days after first 3 days	Rs.1000 per day for 30 days after first 3 days
Coverage of pre-existing diseases	Upto SI under section 1	Upto SI under section 1	Upto SI under section 1
Recovery Grant	-	Rs.12500	Rs.12500
Home Nursing	-	Rs.500 per day for 30 days after first 3 days	Rs.500 per day for 30 days after first 3 days
Ambulance Charges	Rs.1,500	Rs.2,500	Rs.2,500
In-patient physiotherapy	-	Rs.6,000	Rs.10,000
Accompanying person	Rs.250 per day for 5 days after first 3 days	Rs.250 per day for 10 days after first 3 days	Rs.250 per day for 10 days after first 3 days
Parent accommodation	-	Rs.250 per day for 30 days after first 3 days	Rs.250 per day for 30 days after first 3 days
Outpatient dental emergency (accidents only)	-	Rs.3000	Rs.5000
Outpatient emergency treatment for accidents	-	Rs.6000	Rs.10000
Children Education Fund	-	Rs.3000	Rs.5000
Mortal remains	-	Rs.3000	Rs.5000

Key Inclusions

Day care treatment where 24 hours of hospitalization is not required for treatments like dialysis, chemotherapy, eye surgery, lithotripsy, etc., undertaken in a hospital
Domiciliary hospitalization where care and treatment is taken at home exceeding 3 days for disease, illness or injury
Critical Illness covered:

Cancer
First Heart Attack
Coronary Artery Disease
Coronary Artery bypass surgery
Heart Valve Surgery
Surgery to Aorta
Stroke
Kidney Failure
Aplastic Anemia
End Stage Lung Disease
End Stage Liver Failure
Coma
Major Burns
Major Organ/Bone Marrow Transplantation
Multiple Sclerosis
Fulminant Hepatitis
Motor Neurone Disease
Primary Pulmonary Hypertension
Terminal Illness
Bacterial Meningitis

Key Exclusions

Hospitalization expenses for treatment taken for disease or illness within 30 days of inception of the policy. This clause is not applicable on subsequent renewals.
First 2 years exclusions include:

Cataract, laser surgery
Myomectomy, Hysterectomy unless because of malignancy
Dilation and curettage
Hernia, Hydrocele, fistula in anus, sinusitis, hemorrhoids/piles
Joint replacement, unless due to accident
All types of skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
Dialysis required for chronic renal failure
Gastric and duodenal erosions & ulcers

Permanent Exclusions

Routine medical, eye and ear examinations, cost of spectacles
Dental treatment
Circumcision, sex change or treatment
Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV

References:

Bharti AXA General Insurance - www.bharti-axagi.co.in

Disclaimer: This information is extracted from the company�s official website to provide information to the general public. The information is likely to change based on the concerned insurance companies� discretion. Alterations, deletions and/or additions to the existing policy products, coverage and their premiums may be enhanced or reduced. These figures are only guidelines. We recommend the individual to visit the official website of the insurance company for more details and updated matters.

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Sushma Rao. 2015. Bharti AXA General Insurance Company Ltd - Health Plans. Medindia, viewed Nov 02, 2024, https://www.medindia.net/health/insurance/bharti-axa-general-insurance-health-plans.htm.