Cover your Hospitalisation Expenses & Save Tax up to Rs. 15,000 !!

Save your money with Bharti AXA Health Insurance and enjoy double benefit of health protection and tax saving with a single Smart Health Essential 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.

Any illness/disease/accident requiring hospitalization entails major expenditure or loss of income on your part which extends beyond actual hospitalization expenses. Many of these expenses would not be covered under a standard hospitalization policy. To take care of these contingencies, we have devised a separate policy which provides you with financial relief in the form of a daily allowance.

Bharti AXA General Insurance offers Smart Health Essential Insurance Policy which provides a daily cash allowance for the number of days the policy holder has been hospitalised. Our policy come with three plans of daily allowance of Rs. 1,000 per day for 60 days ; Rs. 2,000 per day for 90 days and Rs. 3,000 per day for 120 days after the first three days. The policy covers the individual insured or insured’s family of maximum four persons comprising the insured, his/her spouse and two dependent children up to the age of 23 years.

Additional Features:

- Lump sum payment of daily allowance on hospitalisation for the period chosen
- Double allowance for ICU admission for a period of 5 days, beyond the first 3 days 
- Renewal discount of 5% for every claim-free year, up to a maximum of 25%
- Instant, hassle-free policy delivery through email
 

What is not covered under the policy?

The Policy will not cover expenses relating to -

1. Pre-existing diseases / illness / injury / conditions. However, the same would be covered from the 5th year of the Policy after four continuous renewals with the Company without a break.

2. Medical expenses incurred for treatment undertaken for disease or illness and/or for critical illness within 30 days of the inception date of this Policy. This exclusion doesn’t apply for subsequent renewals with the Company without a break.

3. Treatment of Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy or menorrhagia or fibromyoma unless because of malignancy, Dilation and curettage, Hernia, hydrocele, congenital internal disease, fistula in anus, sinusitis, Skin and all internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant /adenoids and hemorrhoids, Dialysis required for chronic renal failure, Gastric and Duodenal ulcers during the first year of the operation of the Policy. However, this exclusion doesn’t apply for subsequent renewals with the Company without a break.