Critical Illness Insurance

Protect your family and your lifestyle against consequences of critical illnesses. From this plan you will receive the lump sum compensation amount if you are diagnosed with any of the 20 critical illnesses covered. Upon diagnosis and a survival period of 30 days, a lump sum compensation is paid to you that is equivalent to the sum insured of your plan - Rs. 2 lakhs, Rs. 3 lakhs or Rs. 5 lakhs. You can use this money as you wish, to cover your medical bills or maintain your family.

Easy and Simple

No medical checkup up to 45 years
Lifetime renewal
Tax benefit under section 80 (D)
24x7 claim assistance and easy claim settlement process
5% renewal discount every year maximum up to 25% on a progressive scale

Key Inclusions

20 major Critical Illness covered by Bharti AXA are:

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 60 days of inception of the policy. This clause is not applicable on subsequent renewals.
Any pre-existing conditions/ diseases/ injuries at the inception of the policy cover.
Treatment received overseas
Medical treatment required following any criminal act of the insured

Permanent Exclusions

Cataract, laser surgery
Routine medical, eye and ear examinations, cost of spectacles
Dental treatment
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
Circumcision, sex change or treatment
Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
Treatment traceable to pregnancy or childbirth
Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV
Treatment following use of drug or liquor or intentional self injury

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vsuj1984

One of the worst insurance companies. They claim they process the claim within 15days but take 4months to process and they come to investigate at home on the matter when there is a death funeral happening at home. Sick ppl. and finally reject the claim giving a baseless reason stating policy holder dint declare of Diabetic condition at the time of policy commenecment whereas this insurance group dint bother to check on it nor did they want to ask on it. they just wanted the person to take the policy.

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10785

claim no. 0096705. master policy no. I0285412. certificate no. NS39402399. how much time required for clear this time. i am waiting from last year.

SUNILJAIN

BHARTI AXA AREPUTATED INS CO IN INDIA.BUT THEY STOP FUNDING TO TPA FOR CLAIM PAYMENT.CAN ANYONE TELL WHATS THE MISTAKE OF CUSTOMER,WHY HE SUFFER FOR CLAIM.I M POLICY HOLDER OF BHARTI AXA GEN INS CO.IN JAN 2010 I M ADMIT IN GOVT HOSPITAL AND SAVE THOUSANDS RS FOR CO.ALSO THAT I M SUFFERED FROM 6 MONTH.BUT TPA GININS INDIA.GHARTI AXA AND HMO INSTANT HEALTHCARE PVT LTD JOINTLY TOURCHER TO ME.MY CLAIM NO-BA-121AND BA-1-121.1