Bharti AXA General Insurance Company Ltd - Health Plans

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Written by Sushma Rao | Medically Reviewed by The Medindia Medical Review Team  on May 16, 2015
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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 GroupFor YouFor Your SpouseWith ChildrenWidowed with Children
2 - 35 yearsRs.5 lakhs plan Rs.5 lakhs plan Rs.3 lakhs plan Rs.3 lakhs plan
36 - 45 yearsRs.5 lakhs planRs.3 lakhs plan Rs.3 lakhs plan Rs.3 lakhs plan
46 - 55 years Rs.2 lakhs planRs.2 lakhs planRs.2 lakhs plan Rs.2 lakhs plan
56 - 65 yearsRs.2 lakhs planRs.2 lakhs planRs.2 lakhs planRs.2 lakhs plan

Compare Plans

SmartHealth BASIC
Rs.2,00,000
SmartHealth Optimum
Rs.3,00,000
SmartHealth Optimum
Rs.5,00,000
HospitalisationRs.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-hospitalisation30 days30 days30 days
Post-hospitalisation60 days60 days60 days
Day care treatmentUpto SI under section 1Upto SI under section 1Upto SI under section 1
Domiciliary hospitalisationRs.20,000Rs.30,000Rs.50,000
Separate and Additional SI on diagnosis of 20 covered critical illnesses-Double the sum insuredDouble the sum insured
Hospital Cash AllowanceRs.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 diseasesUpto SI under section 1Upto SI under section 1Upto SI under section 1
Recovery Grant- Rs.12500Rs.12500
Home Nursing-Rs.500 per day for 30 days after first 3 daysRs.500 per day for 30 days after first 3 days
Ambulance ChargesRs.1,500Rs.2,500Rs.2,500
In-patient physiotherapy-Rs.6,000Rs.10,000
Accompanying personRs.250 per day for 5 days after first 3 daysRs.250 per day for 10 days after first 3 daysRs.250 per day for 10 days after first 3 days
Parent accommodation-Rs.250 per day for 30 days after first 3 daysRs.250 per day for 30 days after first 3 days
Outpatient dental emergency (accidents only)-Rs.3000Rs.5000
Outpatient emergency treatment for accidents-Rs.6000Rs.10000
Children Education Fund-Rs.3000Rs.5000
Mortal remains-Rs.3000Rs.5000

Key Inclusions

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

  1. 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.
  2. 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:

  1. 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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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.

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.

I got my new car insured last year i.e. in 2010.My policy no is "FPV/10270999/14/07/D11411.I wanted clarification on the following points. 1]NO claim bonus year after year 2)If any claim is made, what is the bonus available? Barat deobratbarat@yahoo.com

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

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