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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 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.
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.
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