Get Health Insurance protection & 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 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.

When it comes to planning for medical emergencies financially, one tends to worry mainly about the hospital bills. Medical care comes with a price tag and arranging for funds during crisis may lead to running from pillar to post, making a dent into your savings or worse. Sudden hospitalisation can wreak havoc on your finances and impact your regular financial liabilities.

Bharti AXA General Insurance gives you the smart alternative to stay on top of such situations by wisely choosing our health insurance policy. Our smart health insurance provides a complete protection shield. It includes everything under the health insurance umbrella, ensuring that you are completely covered with standard health insurance covers. There are 3 coverage variations (Basic, Premium and Optimum plans) available under different premium levels, ensuring complete coverage for you and your family during sudden illness, surgery and accidents. 

What is covered under the policy?

• Hospitalisation expenses: Takes care of payment or reimbursement of hospitalisation expenses incurred by the policy holder for treatment of disease, illness, injury in a Hospital.
• Domiciliary hospitalisation: Takes care of expenses involving medical treatment for a period exceeding three days for disease, illness or injury, where the treatment is actually taken at home.
• Day care treatment: Takes care of expenses incurred in case of day care treatment where 24 hours of hospitalisation is not required due to technologically advanced treatment.
• Pre and post-hospitalisation expenses: Takes care of pre hospitalisation expenses prior to hospitalisation and post hospitalisation expenses incurred following discharge from Hospital for specified days.
• Critical Illness: A separate and additional sum insured for diagnosis of 20 different critical illnesses(highest in the market). 
• Upto 11 different value-added benefits: Hospital cash allowance, home nursing, ambulance charges, in-patient physiotherapy, recovery grant, accompanying person expenses, parent accommodation as companion for child, out-patient dental emergency treatment( accidents only), out-patient emergency treatment for accidents, children's education fund, mortal remains.

Click here to view detailed benefits of our comprehensive health insurance (optimum plan)

Click here to view detailed benefits of our hospitalisation expenses cover (basic & premium plans)

Additional Features:

- Lifetime renewal allowed
- Renewal discount of 5% for every claim-free year, up to a maximum of 25%
- Reimbursement of cost of medical check-up for every block of four claim-free years 
- Buy online and get an instant policy and tax certificate delivered through email 

What is not covered under the policy?

Among the major exclusions under the policy are - 

• Pre-existing diseases/illnesses/injuries/conditions. However, the same would be covered from the 5th year of the Policy after four continuous renewals with the Company without break 
• 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.
• Benefits under Critical Illness section of the policy within 60 days of inception of the policy
• Expenses incurred on treatment of specified conditions such as Cataract, Hernia, Gastric and Duodenal Ulcers etc. (For complete list, please refer to policy wordings) 
• Personal exclusions if any mentioned in respect of any one or more specific insured persons covered.