This is a health plan that has a primary focus on providing insurance benefits to people against any form of critical illness. The plan seeks to benefit the insured where hospital expenses and other medical related expenses are concerned, when the person suffers from a critical illness. The features of the plan are as follows: Medical expenses in case of hospitalization are covered Pre and post hospitalization expenses covered Dread disease recuperation is covered Transplantation of organs is covered Home nursing expense is covered In-patient physiotherapy expenses are covered There is a Recovery Grant Hospital cash allowance is provided The expenses for the accompanying person is covered Emergency ambulance charges are covered Children education fund is provided with this plan The expense for transport of mortal remains are covered There is a renewal benefit of 5% There is reimbursement of medical examination There is portability facility that helps in migrating from one health policy to another by the same company The customer can choose the Family Floater facility with this plan in which he or she can choose one insured sum for the whole family (up to four people) The twenty critical illnesses that are covered with this plan are as follows Cancer First heart attack Coronary heart 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 Organ / bone marrow transplantation Multiple sclerorsis Fulminant hepatitis Motor neurone disease Primary pulmonary hypertension Terminal illness Bacterial meningitis Eligibility for Bharti AXA Smart Health Critical Illness Insurance Plan Any Indian resident Individual between the ages of 91 days to 55 years are eligible to apply. In case of children, the age limit is 90 days to 5 years if either one of the parents is covered with the company. Bharti AXA Smart Health Critical Illness Insurance Plan – Claim Process Being a Bharti AXA Health Insurance benefit plan, the claim should be submitted 30 days after the initial diagnosis, provided 60 days had elapsed when the critical illness was diagnosed The following documents are required to be filed: Claim form duly filled in and signed Attending doctors prescription/statement Copy of the final bill and discharge statement Copy of the medical or test report that confirmed the initial diagnosis Medical certificate with details of patient fitness levels and treatment being undertaken Bharti AXA Smart Individual Personal Accident Insurance Plan This is a policy that covers expenses arising out of any accident that results in the disability or death of the proposer. This is a smart insurance plan that protects both the insured person as well as his or her family members. The features are as follows: There is the facility of a lifelong renewability of the insurance plan The Sum Insured may be enhanced only at the time of policy renewal, on the condition that no claim had been lodged or paid. The enhancement that can be chosen is the next Sum Insured slab available under the policy, if there is a declaration of good health. The plan covers Permanent Total Disability Permanent Partial Disability is covered under the plan The plan covers Temporary Total Disability The plan covers death due to accident Transportation of the mortal remains are covered under this plan The plan provides for Hospital daily cash allowance and accidental hospitalization expense Legal expenses are covered with this plan The company has a tie-up with over 4300 hospitals all across the country Pre-hospitalization expenses are covered Post-hospitalization expenses are also covered The plan covers dread disease recuperation Coverage of transplantation of organs expense Home nursing expenses are covered Ambulance expenses covered In-patient physiotherapy expenses are covered by this plan There is a Recovery grant The expense of the accompanying person is covered by the plan Children education fund is covered There is a renewal discount of 5% The plan offers medical cost reimbursement There is portability facility that helps in migrating from one health policy to another by the same company There is a Double Death benefit or Permanent Total Disablement Benefit, in which there is payment of double benefit (200% of the Sum Insured) for the death or the Permanent Total Disablement due to the accident while travelling as a passenger on public transport Eligibility for Bharti AXA Smart Individual Personal Accident Insurance Plan Any Indian resident between the ages of 18 to 75 years Additional Inclusions and incidents covered by Bharti AXA Health Insurance Plans The following are included for coverage under the Bharti AXA Health Insurance Plans: Medical conditions such as dialysis, chemotherapy, eye surgery, lithrotripsy and other such conditions that do not require hospitalization beyond 24 hours are covered. Diseases or injuries that require domiciliary hospitalization, that is medical intervention and rest at home, that exceeds three days. The critical illnesses that are covered by the Bharti AXA Health Insurance Plans are as follows: Cancer First heart attack Coronary heart disease Coronary artery bypass surgery Heart valve surgery Surgery to aorta Stroke Kidney failure Aplastic anemia End stage lung disease End stage liver failure Come Major burns Organ / bone marrow transplantation Multiple sclerorsis Fulminant hepatitis Motor neurone disease Primary pulmonary hypertension Terminal illness Bacterial meningitis Exclusions or incidents that are not covered by Bharti AXA Health Insurance Plans The following conditions are not covered by the Bharti AXA Health Insurance Plans: The expenses that incur as a result of hospitalization as a result of diseases or injuries contracted within the first 30 days of the inception of the policy. This clause is not applicable when the policy is renewed at a later date. The following list of medical conditions are not covered by the Bharti AXA Health Insurance plans for the first two years from the date of policy inception:- Laser or cataract surgery Dilation and curettage Unless the injury is caused by accident, replacement of joints are not covered Chronic renal failure that requires dialysis Unless there is malignancy, myomectomy or hysterectomy are not covered Circumcision and sex change (and similar treatments) are not covered Dental procedures are not covered Hernia, Hydrocele, fistula in anus, sinusitis, haemorrhoids/piles are not covered Procedures that are related to birth, pregnancy and fertility are not covered. Such as birth control, hormone replacement therapy, caesarean section and operations related to conception or fertility Gastric and duodenal erosions and ulcers are not covered AIDs and related diseases are not covered Routine examination of eyes and ears are not covered. The cost of spectacles are not covered All types of skin conditions are not covered, such as internal tumours, cysts, nodules, polyps including breast lumps, unless they are diagnosed as malignant Suicide, self-inflicted illness or injury, mental disorders, anxiety, stress or depression and injuries/illnesses that are a result of the use of alcohol or drugs are not covered Bharti AXA Health Insurance Premium Calculator The company provides the facility of premium calculation to prospective individuals seeking to buy health insurance plans from the company. Following are some of the instances where the premium has been calculated using the companys calculator: A wants to apply for a Smart Health policy for herself for a value of Rs.3 lakhs. She is 30 years old and for the stated coverage, the amount of annual premium works out to be Rs.5073. B wants to buy a plan for herself and her newly married husband. She approaches Bharti AXA with a proposal to cover the both of them for Rs.2 lakhs. B is aged 30 years and her husband is aged 31 years. The premium for their health insurance plans comes to Rs.9131 C a 40 year individual needs a health plan for his family comprising of himself, his wife also aged 40 years and his 2 children. The coverage sought is Rs.5 lakhs for which the premium charged is Rs.22,210. The table tabulates the above sum assured and premium data for an instant reference: How to Apply for Bharti AXA Health Insurance Plans Health insurance plans offered by the company can be applied to through multiple channels like: Individuals desirous of availing any plan can simply call the Sales helpline of the company at 080-49010222 and speak to the customer service representative. They can provide their name, mobile number and email id on the website of the company and request for a call back. Customers may send a message to 5667700 using keywords such as Claim, Service, Renew and Call Back. Lastly, customers may also visit the companys branches or get in touch with an agent to buy the plans required.
