LIFESTYLE FAQs
1. What is Lifestyle Solution?
Medical emergencies can severely impact your existing lifestyle due to large and unexpected financial outlays. Such emergencies can affect your regular financial committments like EMI payments, Children education fees, Household expenses etc.
Our lifestyle protection solution consisting of health and personal accident products will provide you with 360 degree protection for hospital bills and incidental expenses and also offers lumpsum compensation, in case of major illness or accidental injury, to take care of all such expenses and liabilities.
2. Why do I need to protect my lifestyle?
While you work hard to provide the best possible lifestyle for yourself and your near and dear ones, an unforeseen medical contingency can throw your life into disarray. A prolonged hospitalization will result in hefty medical bills, and with the rising incidence of diseases and cost of treatment, any illness can mean substantial financial outgo for you and your family. In case you suffer from a major illness or injury and are unable to work for a while , it can also affect your financial liabilities such as loan repayments, expenses towards children’s education and household expenses, among others.
The health and personal accident products offered by us ensure that your hospital bills are covered and also provide compensation in the event of a major illness or injury, thereby ensuring that your current lifestyle is not affected due to medical emergencies.
3. Why should I choose Bharti AXA to protect my lifestyle over standard mediclaim policies?
Normally , mediclaim policies covers expenses related to treatment and hospitalization, but do not offer protection for other unbillable expenses
Our range of products will provide you with 360 degree protection for hospital bills and incidental expenses and also offers lumpsum compensation, in case of major illness or accidental injury, to take care of loan repayments and other liabilities. Our comprehensive health cover, Smart Health insurance Policy provides cashless facility in over 3500 hospitals and also provides a host of 11 different value-added benefits including a separate and additional Sum Insured on diagnosis of 20 critical illnesses, hospital cash allowance, recovery grant, nursing allowance etc. In case you already have a health insurance cover, you can also opt to take a critical illness policy or our smart health essential policy (hospital cash) on a stand-alone basis. Our Smart Individual Personal Accident Policy provides compensation in case of accidental injury leading to death or disablement.
What’s more, we help you pick the cover that’s best suited for your needs based on the information provided by you on your lifestyle .Through our comprehensive solutions, you can be rest assured that your medical expenses are covered and your lifestyle is also protected.
4. What are the various products included under Lifestyle Solution?
You can choose from a wide range of products:
1. Comprehensive Health Insurance (Smart Health Insurance Policy- Optimum Plan)
2. Hospitalisation Expenses Cover (Smart Health Insurance Policy -Basic and Premium Plans)
3. Smart Health Critical Illness Insurance
4. Smart Health Essential Insurance (Hospital Cash)
5. Smart Individual Personal Accident Insurance
5. What are the product benefits included under Lifestyle Solution?
You can choose from a wide arrange of our products –
1. Smart Health Insurance Policy (Optimum Plans):
- This product offers comprehensive health coverage with cashless facility in over 3500 hospitals and also provides 11 different value-added benefits including a separate and additional Sum Insured on diagnosis of 20 critical illnesses, hospital cash allowance, recovery grant, nursing allowance etc.
2. Smart Health Insurance Policy (Basic and Premium Plans):
- If you wish to take a basic hospitalization cover, the basic and premium plans under smart health insurance policy are your best bet. These plans provide coverage for hospitalization expenses with cashless facility in over 3500 hospitals. With the basic and premium plans, you can get your medical expenses covered at a affordable price.
3.Smart Health Critical Illness Insurance Policy:
-In case you already have an existing health cover, it is imperative that you get yourself adequately protected when there is a major illness. If a major illness occurs, you may not be able to return to work immediately and it may affect your income which in turn would impact your ability to meet your financial liabilities such as loan repayments, fees towards your children’s education, expenses towards provisions etc. Our critical illness policy provides lumpsum compensation on diagnosis of any of the 20 covered critical illness (subject to survival and waiting period applicable), which can be used to cover your medical expenses as well as other incidental expenses. Even if you do not have a basic hospitalization policy, you can still opt for a stand-alone critical illness policy.
4. Smart Health Essential Insurance Policy (Hospital Cash):
Our smart health essential insurance policy provides daily allowance in case of hospitalization – This can help you cover incidental expenses which is otherwise not part of hospital bills – It can complement and supplement your policy.
5. Smart Individual Personal Accident Insurance Policy:
Our smart individual personal accident insurance policy provides exhaustive coverage against accidental injury with value added benefits and 6 different plan variants. We offer the only PA product in the market to offer ‘double compensation’ feature if travelling in public transport and 150% compensation for permanent total disability.
6. What is the age limit to buy Health insurance policy?
Our health insurance policy covers individuals from 3 months to 65 years of age. Our health insurance policies have no upper age limit on renewals, i.e. we offer lifetime renewal. However, if you are aged 45 years or above, you will need to get in touch with any of our branches to buy our health insurance.
7. If I choose Health policy, do I have to opt for personal accident policy separately?
For comprehensive insurance protection, we would recommend that you should have both Health and Personal Accident policies which will ensure that you are covered both for hospitalisation expenses as well as providing a lumpsum benefit in the event of accidental death or permanent disablement.
8. Can my child be insured under Health policy?
Dependent children between the ages of 3 months to 23 years can be covered under our health policy.
9. Can my parents be covered under health policy?
Our health insurance policy covers self, spouse and two dependent children below the age of twenty three years under one policy. To cover parents, you will have to choose a separate policy.
10. What is covered under Hospitalisation Expenses?
Expenses incurred by the Insured Person for treatment of disease, illness, injury in a Hospital as an in-patient including Hospital (Room & Boarding and Operation theatre) charges, fees of Surgeon, Anaesthetist, Nurses, Specialists, the cost of diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs etc., among other things are covered under Hospitalisation Expenses.
11. What is Domiciliary hospitalisation?
The treatment undertaken while confined at home under circumstances like the condition of the patient is such that he / she cannot be removed to Hospital / Nursing Home or the patient cannot be admitted to Hospital/Nursing Home for lack of accommodation. Domiciliary hospitalisation covers treatment for a period exceeding three days for disease, illness, injury which in the normal course would require care and treatment at a Hospital/Nursing Home.
12. What is Day Care Treatment?
Due to technological advancements, conditions such as dialysis, chemotherapy, radiotherapy, eye surgery, lithotripsy (kidney stone removal), D & C, tonsillectomy can now be treated without 24 hours hospitalisation. Daycare treatment takes care of such contingencies.
13. What is covered under a Critical illness policy?
Critical Illness covers expenses incurred for treatment of any of the specified 20 critical illnesses (highest in the market). The coverage can be either in the form of payment of lump sum benefit amount or payment /reimbursement of expenses incurred for treatment of such specified Critical Illness in a Hospital / Nursing Home as selected by you.
14. Does Smart Health Insurance policy offers Hospital Cash Allowance?
Yes. Hospital Cash Allowance is provided to the Insured Person for the days hospitalised beyond a specified number of days for treatment of any disease / illness / injury.
15. Is Home Nursing provided?
You can avail medical care services of a nurse at the residence following discharge from Hospital after treatment for a disease / illness / injury and/or critical illness, if the same is recommended as necessary by the attending Medical Practitioner and is related directly to the treatment of disease, illness or injury and/or for critical illness, for which the Insured Person has been hospitalized.
