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? 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 Life doesn’t follow a fixed plan. However, a critical illness insurance plan equips you to financially handle serious health conditions that life may throw at you. Coverage from almost20 Critical Illnesses 20 Critical Illnesses Easy claim-settlement with4500+ Cashless Hospitals in India 4300+ Cashless Hospitals in India Maximum Tax Savings up toRs. 15,000 under Section 80D tax savings up to Rs. 15,000 Section 80D 24/7 Claim Assistance & strong Customer Support 24/7 Claim Assistance 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 That’s correct! Our customers love how we strive to have them covered each day. We provide 24/7 claim assistance so that you can make a claim at any time without hesitation. view More 101 Branches across India When we make you a promise to have you covered, we work to live up to it. That’s why we have spread our presence all across the nation so that you can easily find your nearest branch. We just want to be there for you at all times. view More +4300 PAN India Cashless Network Hospital Hospitalization can get financially stressful with hefty bills to pay. Moreover, it’s also emotionally taxing. We agree. Just seek admission in any of our cashless network hospitals that is nearest to you. We’ll directly settle the bills with the hospital. Life’s simpler, isn’t it? view More 98.27% Claim-Settlement Ratio We understand that you’re already stressed when the need for filing a claim arises. But you can still stay calm as we’ve made our claim process a cake-walk. Our team of dedicated claim handlers work round-the-clock to ensure your claim is successfully settled. view More 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. Portability 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.