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What’s Covered and What’s Not

It’s better to know what your critical illness insurance covers and doesn’t cover. After all, you don’t want to face hassles at the time of claim, right?

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Inclusions Exclusions

20 Major Illnesses that are covered by Bharti AXA:

  • Cancer
  • First Heart Attack
  • Coronary Artery Disease
  • Coronary Artery bypass surgery
  • Heart Valve Surgery
  • Surgery to Aorta
  • Stroke
  • Kidney Failure
  • Aplastic Anaemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma
  • Major Burns
  • Major Organ/Bone Marrow Transplantation
  • Multiple Sclerosis
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis
  • Ailments and conditions that are not covered by Bharti AXA:

  • Hospitalization expenses for treatment taken for disease or illness within 60 days of inception of the policy. This clause is not applicable on subsequent renewals.
  • Any pre-existing conditions/ diseases/ injuries at the inception of the policy cover.
  • Treatment received overseas
  • Medical treatment required following any criminal act of the insured
  • Cataract, laser surgery
  • Myomectomy, Hysterectomy unless because of malignancy
  • Dilation and curettage
  • Hernia, Hydrocele, fistula in anus, sinusitis, haemorrhoids/piles
  • Joint replacement, unless due to accident
  • All types of skin and all internal tumours / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
  • Dialysis required for chronic renal failure
  • Gastric and duodenal erosions & ulcers
  • Routine medical, eye and ear examinations, cost of spectacles
  • Dental treatment
  • Circumcision, sex change or treatment
  • Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
  • Treatment traceable to pregnancy or childbirth
  • Treatment following use of drug or liquor or intentional self-injury
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV
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Types of Critical Illness Insurance Plans

Saving your life should not take away all your life savings. That’s why for an annual premium that you pay us, we compensate for your medical expenses related to critical illnesses. We offer the following plan.

Bharti AXA Smart Critical Illness insurance plan

Nothing is really safe today. Neither the food you eat, nor the air you breathe. But you can’t stop living life, can you? Today, the chances of serious ailments have increased manifolds. That’s where you need our critical illness insurance cover, a type of health insurance policy that helps reduce your cost burden to a great extent.

Critical illness is available as a feature in our health insurance policy too. But the sum insured amount for that is limited. When it comes to a life-threatening condition that calls for huge medical bills, having a standard health insurance policy may not suffice in case you face life-threatening conditions illness. That’s why you can opt for our standalone critical illness plan that is a define-benefit policy, which offers a separate sum insured amount to meet your medical treatment expenses in case of a life-threatening condition. Here you get to choose from a variety of sum insured that is suitable to you.

Enjoy a lump sum benefit of up to Rs. 5 lakhs. You can choose sum insurance ranging from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh. The compensation takes care of hospitalization as well as daily expenses for 20 critical illnesses that are amongst the highest in the country. You can choose benefit of reimbursement/payment of hospitalization expenses for treatment of the critical illness diagnosed. Or you can choose benefit of compensation on diagnosis of critical illness and on survival for more than 30 days. The covers are available on lump sum benefit and indemnity basis.

With a dedicated claims handler, you can be assured of a hassle-free claim settlement. Moreover, at Bharti AXA, we stand by you as your medical and financial support.

Based on your preference and requirement, you can either buy:

Individual Critical Illness Insurance Plan

 In this, you can buy the policy for yourself. You get the benefit of the sum insured amount wholly to yourself. You can also buy an individual plan for each member of the family by paying a separate premium for each plan.

Family floater Critical Illness Insurance Plan

In this, you only have to pay a single premium for one family floater plan. One big sum insured amount is provided which is adequate for all the insured family members. All the members can claim using this single sum insured amount.

Love at First Try with Bharti AXA Critical Illness Insurance

Tough times need a tough friend who will never leave your side. And our critical illness insurance is that ideal companion who can truly handle your financial burden.


24/7 Claims Assistance


101 Branches across India


+4300 PAN India Cashless Network Hospital


98.27% Claim-Settlement Ratio

Pre- and post-hospitalization expenses

All expenses such as diagnosis, doctor’s fees, medicines, etc. for your treatment before hospitalization as well as after hospitalization are covered. 

Guaranteed life-long renewals

Life-long renewal is guaranteed as there is no maximum cover ceasing age in this policy. The eligibility age group for this policy is 8 years to 70 years.

Pre-existing diseases

As mentioned in the policy document, certain pre-existing diseases are covered only after completion of four continuous renewals from starting date of policy.

Benefits up to sub-limits

Up to certain limit of sum insured, you get extra benefits of hospital cash allowance, home nursing allowance, and reimbursement charges for in-patient physiotherapy and ambulance.

Additional features

Get discount that is equivalent to 5% of renewal premium each year. Also get reimbursement of more than 50% of the medical examination expenses if proposal is accepted.

Free-look period and grace period

From the day that you receive your policy document, you get 15 days to review the policy. And from the date your policy lapses, you get a grace period of 30 days to renew your policy.


At the time of renewal, you have the option to migrate your existing health insurance policy with us. This is provided you have maintained your previous policy without any break.

Sum insured Flexibility and enhancement

As per your requirement, you can choose from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh sum insured plan variants. If you don’t make a claim, your sum insured can be enhanced during renewal.

Income Tax benefits

Under this policy, you can enjoy tax benefits under Section 80 D of the Income Tax Act.

Saving-Up on Critical Illness Insurance Premiums

Who doesn’t love discounts? A few things can actually help you lower your premiums.

  • Be an early bird

Health risks increase as you age. So, the more you age, the higher is your premium. That’s why it makes complete sense to buy critical illness insurance at an early age.

  • Choose a family floater plan

If your family comprises of young members, then opting for a family floater plan is an ideal solution. You, your spouse and 2 children below 23 years of age can enjoy benefits of a single sum insured amount. Instead of buying a separate plan for every individual, the floater plan helps save up premium.

  • Avail No-Claim Bonus (NCB) Bonus

During policy renewal, you can enjoy 5% discount on renewal premium for every claim-free year up to a maximum of 25% NCB discount. This is nothing but your renewal discount.

  • Leave unhealthy habits

This may sound tough to practise if you regularly smoke and consume alcohol. But giving up on bad habits can reduce the chances of life threatening conditions. Moreover, it also dramatically cuts down on premiums.

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Steps to Buy Travel Insurance Policy Online

Your critical illness insurance policy will reach your inbox in a jiffy! That’s true! Our online shopping process is that quick easy. Check out the steps.



Choose to renew or buy Critical Illness insurance.



Enter personal details & answer few eligibility criteria questions.



Select recommended plan and get total premium.



Add complete details and check the summary. Make payment.



Policy is sent in PDF to your mailbox.

Policy Renewal Reminder

You have so many things to remember. Birthdays, anniversaries, collecting clothes from the laundry, paying electricity bills, etc. In the midst of all this, it’s hard to remember the critical illness insurance policy renewal date. We at Bharti AXA understand this, and that’s why we have created a unique facility called policy renewal reminder for you.

All you need to do is fill in your details. We’ll remind you when your policy renewal date is near. Sounds cool?


  • Does Bharti AXA critical illness policy cover my family members as well?

The policy can be issued on a Floater Basis covering the family members of the insured comprising the insured, spouse and two dependent children (all members should be within the age group of 5 to 55 years). All members of the family (Self, spouse, and the two kids) can be covered under one single policy.

  • I am still young; do I still need critical illness cover?

Critical illnesses can occur to young people as well. It often comes unexpectedly. In the recent scenario, rising occurrences of diseases like diabetes and blood pressure has been observed in people who are in the age group between 30 and 40. So, irrespective of the age group, it is always recommended to be insured with a critical illness cover.

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