Written by Sushma Rao | 

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

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

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.

Comments

vsuj1984 Wednesday, December 18, 2013

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 Saturday, March 31, 2012

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

barat36 Monday, February 14, 2011

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

SUNILJAIN Sunday, August 29, 2010

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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