Bharti AXA - Critical Illness Insurance
Bharti AXA
General Insurance Company
General Insurance Company
Bharti AXA General Insurance Company is a joint venture between Bharti Enterprise, a leading Indian business group and AXA Group; a Paris based global financial protection company with presence in Western Europe, North America and the Asia/Pacific area. The company began operations in 2008 and currently has 59 branch offices across India. It was the first General Insurance Company to receive ISO 9001:2008 and ISO 27001:2005 certifications within its first year itself.
Contact Details
Toll-Free Number- 1800-103-2292
E-Mail - customer.service@bharti-axagi.co.in
Product Overview of Bharti AXA - Critical Illness Insurance
Bharti Axa Critical Illness Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.
Unique Features of Bharti AXA - Critical Illness Insurance
20 major Critical illness covered.
Pre- existing diseases are covered after 4 Yrs
Children education benefit/Transplantation of organs
Recovery grant/Dread disease recuperation/Ambulance charges
In-patient physiotherapy/Carriage of mortal remains/No Claim discount on premium
Pre & Post hospitalization/Hospital Cash Allowance
Eligibility Criteria for Bharti AXA - Critical Illness Insurance
| Eligibility Criteria | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Age Criteria | Min Entry Age: 91 days Max Entry Age: 55 Years & 5 Years for Children | ||||||||
| Renewal Age | Life Long Renewal | ||||||||
| Coverage for Individual & Family Basis | A maximum of 4 members can be added under policy with a maximum of 4 Adults (Self, Spouse, 2 Dependent Children) (all members should be within the age group of 5 Years to 55 years) | ||||||||
| Sum Insured | Rs. 2 Lacs, Rs. 3 Lacs or Rs. 5 Lacs | ||||||||
| Policy Tenure | 1 Year | ||||||||
Product Benefits of Bharti AXA - Critical Illness Insurance
| Critical Features | |||||||
|---|---|---|---|---|---|---|---|
| No Of Covered Disease | 20 | ||||||
| Initial Survival Period | 30 | ||||||
| Initial Waiting Period | 60 Days | ||||||
| Coverage For PED | Yes-4 years | ||||||
| Second Opinion | Not Covered | ||||||
| Other Features | |||||||
|---|---|---|---|---|---|---|---|
| Add-On Covers | Not Available | ||||||
| Sum Insured Range | Rs. 2 Lacs to Rs. 5 Lacs | ||||||
| Type of Coverage | Individual and Floater | ||||||
| Annual Health Check-Up | Not Covered | ||||||
| Pre & Post Hospitalization | 100 % Sum Insured | ||||||
| Dread Disease Recuperation | Rs. 500 per day for a max of 45 days | ||||||
| Transplantation of organs | 15% off on SI over and above the original SI | ||||||
| Hospital Cash Allowance | Rs. 750 to Rs. 1000 per day for 30 days after the first 3 days | ||||||
| Home nursing | Rs. 350 to Rs. 500 per day for 10 days after the first 3 days | ||||||
| Ambulance Charges | Rs. 2,500 | ||||||
| In-patient Physiotherapy | 2% of SI | ||||||
| Recovery Grant | Rs. 12,500/- | ||||||
| Accompanying Person Expenses | Rs. 250 for 10 days after first three days | ||||||
| Children Education Benefit | Rs. 5,000/- | ||||||
| Carriage of Mortal Remains | Rs. 1,000 to Rs. 2,000 | ||||||
Waiting Period for Bharti AXA - Critical Illness Insurance
Initial Waiting period - This implies that the insured is not covered for the 20 diseases under this policy for the first 60 days of the policy
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months
Survival Period for Bharti AXA - Critical Illness Insurance
The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
30 Days
20 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1.Cancer
2.First heart attack
3.Coronary artery disease
4.Coronary artery bypass surgery
5.Heart valve surgery
6.Surgery to Aorta
7.Stroke
8.Kidney failure
9.Aplastic anemia
10.End Stage lung disease
11.End Stage liver failure
12.Coma
13.Major burns
14.Organ/Bone marrow transplantation
15.Multiple sclerosis
16.Fulminant hepatitis
17.Motor neurone disease
18.Primary pulmonary hypertension
19.Terminal illness
20.Bacterial meningitis
2.First heart attack
3.Coronary artery disease
4.Coronary artery bypass surgery
5.Heart valve surgery
6.Surgery to Aorta
7.Stroke
8.Kidney failure
9.Aplastic anemia
10.End Stage lung disease
11.End Stage liver failure
12.Coma
13.Major burns
14.Organ/Bone marrow transplantation
15.Multiple sclerosis
16.Fulminant hepatitis
17.Motor neurone disease
18.Primary pulmonary hypertension
19.Terminal illness
20.Bacterial meningitis
Exclusion in Bharti AXA - Critical Illness Insurance
- 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
- 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, haemorrhoids/piles
- Joint replacement, unless due to accident
- All types of skin and all internal tumours / 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, caesarian 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
Add-ons for Bharti AXA - Critical Illness Insurance
Not Available
Additional Discounts in Bharti AXA - Critical Illness Insurance
- Renewal Discount - 5% discount on the renewal premium every year up to a maximum of 25%.
Tax Benefits of Bharti AXA - Critical Illness Insurance
Tax Benefits for the premium paid under Section 80D of the Income Tax Act.