Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.
Ride without worries, with Bharti AXA long term two wheeler insurance plan.
Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.
Secure your joyous family trips with Bharti AXA international travel insurance cover.
Diseases and illnesses arrive unannounced, and you have to be prepared for them so that they do not financially drain you. A health insurance policy is the most effective way of avoiding a financial crisis when you or someone in your family needs medical attention. That said, some individuals may be at higher risk than others of contracting certain diseases, and may need additional coverage for such ailments. This is called a high risk cover.
If an individual is considered at risk, the insurer may do one or more of the following:
While the third option is rarely used, the extra premium could, many a time, be prohibitively high. Therefore, it is important to identify high risk factors early on upgrade to a high risk cover as soon as practical. The sooner you choose to upgrade, the lower could be the premiums.
You should consider a high risk cover for the following scenarios:
If the proposed suffers from ailments like diabetes, hypertension, heart-related ailments etc. at the time of enrolment, she is considered to be in the high-risk category. Typically, such pre-existing illnesses would have an associated waiting period. But the insurer may even choose to completely exclude coverage for these, or charge a high premium to cover. In very rare cases, they may also reject the policy if the risk is perceived to be too high.
Your family history can play an important role in determining if you have a high-risk profile. For example, if there is a hereditary medical condition in your family, or if your family has a history of diabetes or heart-related ailments – you will be considered at-risk for similar illnesses. These may result in higher premiums or additional waiting periods even though you do not yet suffer from the illness.
Smoking or consumption of tobacco or an addiction to alcohol are lifestyle habits that are considered to increase your health risks. If you have any of these habits, the premium of your insurance may go up. Many of the insurers also insist that you get a medical test done before coverage is provided. It is essential that you do not lie about such habits as that could result in rejection of claims when you need financial support the most.
Some occupations are considered riskier than others. If you are engaged in professions like mining, aeronautics, aviation, adventure sports etc., you are considered to have a high-risk profile. This means you are more likely to have medical contingencies and may have to pay a higher premium for the coverage. Most policies will limit coverage, if not completely exclude, for conditions traceable to high-risk activities. Therefore, you should invest in a high-risk cover to ensure you do not get surprises when you file a claim.
While the high-risk cover is costlier than the standard health insurance, it is still far more economical than having to pay all your medical bills out-of-pocket. If you have a high-risk profile, you should switch to a high-risk cover as soon as possible. Further, a critical illness cover purchased from insurer such as Bharti AXA GI can come in handy till waiting periods associated with at-risk illnesses are exhausted.
136 BRANCHES ACROSS INDIA
4500+ NETWORKS HOSPITALS
27+ MILLION POLICIES ISSUED
24/7 CLAIM ASISTANCE
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.
We are facing issues in connecting to the Payment Gateway, please try after sometime or call 022-6118-8888
We are facing some technical difficulties while fetching your quote. We will get back to you as soon as we are able to get your Quote. Apologies for the inconvenience caused to you.