Get covered for 20 Critical Illnesses & Save Tax up to Rs. 15,000 !!

Save your money with Bharti AXA Health Insurance and enjoy double benefit of protection for 20 critical illnesses (highest in the market) and tax saving with a single Smart Health Critical Illness Insurance Policy ! Health Insurance is a great tax saving instrument to reduce your tax burden. Under Section 80 (D) in the Income Tax Act, you can avail deduction up to Rs. 15,000 on medical insurance premium for self, spouse and children. Secure your income with 80 (D) tax benefits and get maximum coverage.

With Bharti AXA, you have the facility of buying your policy online instantly and getting your Tax Certificate immediately.

Many of us are under the impression that a standard medical insurance policy covering hospitalization expenses is more than adequate to take care of any health related emergencies. But if you are diagnosed with a major illness which needs you to recuperate for a while? The results of such an illness can be extremely disruptive involving potential loss of income, inability to meet regular financial liabilities and additional burden on your family in meeting monthly household expenses. The solution to this dilemma is readily available in the form of our Critical Illness policy which provides coverage specifically designed to take care of major illnesses which can have a substantial impact on your finances.

The following 20 critical illnesses are covered under our policy:

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 Anaemia

10.End Stage Lung Disease

11.End Stage Liver Failure

12.Coma

13.Major Burns

14.Major Organ/Bone Marrow Transplantation

15.Multiple Sclerosis

16.Fulminant Hepatitis

17.Motor Neurone Disease

18.Primary Pulmonary Hypertension

19.Terminal Illness

20.Bacterial Meningitis

Additional Features:

- Lump sum payment on diagnosis of critical illness and survival of over 30 days
- Renewal discount of 5% for every claim-free year, up to a maximum of 25%
- Buy online and get an instant policy and tax certificate delivered through email  

Get the best out of Bharti AXA Critical Illness policy !!

Our critical illness policy comes with three sum insured options of Rs 2 lakhs; Rs. 3 lakhs & Rs. 5 lakhs

If the policyholder is diagnosed as having any of the above mentioned critical illnesses and survives for more than 30 days post diagnosis, the sum insured for this benefit will be paid to the policyholder as lump sum amount. The benefit of critical illness policy is available after a waiting period of 60 days from the date of buying the policy in the first year of cover. The policy can be issued for persons up to 55 years of age. The entry age is 5 years. However, children from age of 3 months to 5 years can be covered if any one of the parents is also simultaneously covered.

What is not covered under the policy?

The following are some of the major exclusions under the policy:

1. Pre-existing diseases / illness / injury / conditions - All diseases, illnesses, injuries which are pre-existing when the Policy cover starts for the first time are excluded from the purview of the Policy.

2. Hospitalisation expenses incurred for treatment undertaken for disease or illness and/or for Critical Illness within 60 days of the inception date of this Policy. This exclusion, however, doesn't apply for subsequent renewals with the Company without a break.