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Mediclaim Policy: Features, Benefits, Coverage


Life is marked by uncertainties. Most of all, such situations crop up when you least expect them. That is why it is crucial to be prepared at all times. Especially during medical challenges, the last thing you would want is to get stuck with hefty medical bills. With the rising costs of healthcare in the country, not everyone can afford the treatment of severe medical conditions. Therefore, the Mediclaim policy has become a necessity for you and your family.

It is health insurance which safeguards you against huge medical bills while you or your loved ones avail quality treatment at a hospital. Mediclaim policy comes in the form of packages that can be customized according to your needs.

Our Mediclaim policy, also known as health insurance, has two categories from which you can choose the one that suits your needs best:

  1. Smart Health Insurance Policy


  • Protection cover up to 5 lakhs
  • 5% to 25% of Mediclaim policy renewal discount as a No claim bonus
  • Critical illness cover included
  • Critical illness recovery benefits


  1. Smart Super Health Insurance Policy


  • Protection cover from 5 lakhs to 1 crore
  • No cap on room rent in case of hospitalization
  • Up to 100% sum assured restoration
  • Pre and post hospitalization expenses covered
  • Maternity benefits included as an add-on cover
  • No claim bonus of the policy up to 100% of sum assured
  • Annual health check-up included
  • In case of critical illness, organ donor expenses covered up to the amount of sum assured

Health emergencies can strike anytime. The best you can do is to pick a plan that lets you stay safe from the unexpected. A Mediclaim policy helps ensure you remain guarded against such contingencies.

To help you further, Bharti Axa also provides a digital calculator to know the sum assured beforehand and calculate monthly premiums. It will help you choose the best possible Mediclaim policy and required coverage amount. This way, you can gain the most out of your health insurance.


What Our Mediclaim Policy Covers?

Our policies provide comprehensive coverage under different plans to suit your individual and family needs.

Here are some essentials that our Smart Super Health mediclaim policy cover:

  • Daycare treatment expenses up to the sum assured where hospitalization is not necessary
  • Hospitalization expenses where treatment is taken at home, 10% of the sum assured
  • Pre-hospitalization costs of 60 days
  • Post-hospitalization costs of 90 days
  • Pre-existing diseases covered after 48 months of buying the policy
  • Organ transplant cover up to sum assured
  • Ambulance charges
  • Cashless hospitalization
  • Emergency dental and other treatment covers
  • Upon exhaustion of coverage amount, recovery of sum assured up to 100%
  • Additional option available for maternity benefits
  • Lumpsum benefit upon detection of one of the 20 critical illnesses
  • Transportation of mortal remains of the policyholder

Simple, yet comprehensive, it defines Bharti AXA’s Mediclaim policy. Choosing a suitable Mediclaim should be based on your current financial status that includes dependents, fixed income, and present health status.


Mediclaim Policy Benefits:

  • You can get tax benefits under section 80D of the IT Act, 1961 when you buy a Mediclaim policy
  • You can also claim one free health check-up each year under our health insurance policies
  • If in case you don’t make any policy claims in a year, you are eligible for a No Claim Bonus according to the specified terms
  • Whether your hospitalization takes two days or twenty, we don’t keep any cap on room rent
  • You can also select a lump sum cover of your choice as per the chosen Mediclaim policy, be it 5 lakhs or 1 crore
  • Your pre-existing diseases can be covered
  • Get 24*7 claim assistance from our executives
  • Our plans are flexible to accommodate your needs


Even though adopting a healthy lifestyle can help us avoid many diseases and lead a long life, few aspects are beyond our control. A Mediclaim policy can help you remain protected from such uncertain times by acting as a financial safety net for you and your dear ones.


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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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