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The present day hectic and sedentary lifestyle has substantially increased the risks of us falling prey to lifestyle diseases. According to studies by various domestic and global organizations, the present lifestyle can lead to cardiovascular diseases, cancer and kidney ailments in people as young as 35. If not treated in time, these critical ailments can even lead to a premature death.
While sticking to a healthy diet and following a good fitness regime can play an important role in keeping ailments at bay, there can be hereditary and even environmental reasons due to which one is at a threat of getting a lifestyle disease. Treatments of these diseases, if done without any Health Insurance Policy can prove to be really expensive and wipe out your life savings. This is where a good Health Insurance Plan with a Critical Illness Cover can play a vital role.
There are several factors that affect the choice of a Health Insurance Policy and the Premium to be paid is one of them. Here you will get all the information regarding the Insurance Premium for a Critical Illness Cover and the factors that determine the amount.
An Insurance Premium is a pre-determined amount which is to be paid at the onset of getting the policy and also at periodic intervals towards renewal of the policy. There are several factors that determine the total amount that is to be paid as an Insurance Premium. Here are more details about these factors:
While the above factors play an important role in determining the premium, choosing the right Insurance Partner is also important. Bharti AXA offers affordable Health Insurance Premiums and a lot of other features that can prove to be very useful. Read on to know more:
Dedicated Claim Assistance Desk
We have a Customer Service Cell which is available 7 days a week, 24 hours a day to help you with all your insurance related queries. Our team of experienced insurance professionals will also help to resolve your claims faster.
Wide Network of 79 Branches and 4300+ Partner Hospitals PAN India
Bharti AXA has a wide network of 79 branches across India. Moreover, we have partnered with more than 4,300 hospitals for Cashless Insurance Claim Settlement.
Proven Track Record
Till date, we have sold millions of policies to customers all over the country. In addition to that, we have streamlined our claim process and our dedicated handlers have ensured an impressive 98.27% claim settlement ratio.
Life maybe uncertain but you can take precautions to be better prepared for any eventuality. A Critical Insurance Plan is one of those measures that can help in times of an emergency due to a serious ailment. To know more, contact a Bharti AXA representative today!
Being diagnosed with a Critical Illness such as Cardiovascular problems, Cancer, or others can be a cause of serious concern. These ailments have grave implications and can even be life threatening. Not only do they affect a person mentally and physically, they also have major financial implications and can wipe out your life savings. Having a Critical Illness Insurance Policy at this stage can prove to be important. This policy can be taken as a standalone or as an Add-On Cover for your Health Insurance Policy.
The policy covers 20 Critical Illnesses:
Critical Illness Cover can either be obtained as a standalone Insurance Policy or an Add-On Cover to your existing Health Insurance Plan. You can select from either of the above options depending upon your requirements. Also, some health plans come with an in-built Critical Illness Cover up to a certain percentage of the total sum insured. The eligibility age for getting a Critical Illness Policy is between 8 years to 70 years. Lastly, your premiums for a Critical Illness Insurance are exempt from Income Tax under section 80D of the Income Tax Act.
To register a claim under your Critical Illness Insurance Plan, you can either contact the dedicated Customer Service Call Centre which is available 24 hours a day, 7 days a week or walk in to any of our 79 Bharti AXA branches across the country. As Critical Illness is a Benefit Plan, claims for the same should be submitted post 30 days of survival. To register a claim, you will have to submit:
In case of cashless claims for Critical Illness, Bharti AXA pays the amount directly to the hospital. In case of reimbursements, Bharti AXA directly transfers to your bank account or pays via cheque.
With millions of Insurance Plans sold and multiple awards in recognition of excellent performance, Bharti AXA is an Insurance Company with a proven track record. What’s more, our dedicated Customer Service Centre and 70+ branches across the country make us very reachable in times of emergencies. Add to this a network of more than 4,300 partner hospitals which resolve Insurance Claims in a Cashless manner and you have a reliable Insurance Partner for your Critical Illness Plan.
Critical Illnesses today are known to be a major cause of concern in India. A clear majority of men and women aged above 40 are suffering from a major critical illness such as Heart Problems, Kidney Failure, Cancer, Stroke and other severe ailments. Every year heart problems claim hundreds of lives and treatment for Cancer becomes more expensive. With treatment costs going up to Rs. 20 lakhs per year for some cases, according to an ET article, if you are not covered by a good Health Insurance Policy that also covers Critical Illnesses, the financial strain will be intensive on your loved ones.
A good Critical Illness Insurance Plan can meet all expenses that you may incur for treatment, operation or transplant. Here is a detailed overview of Critical Illnesses and the Insurance Cover associated with them.
A Critical Illness is one that can prove to be life-threatening and have many other serious consequences. For instance, Cancer, Kidney Failure, Cardiovascular Problems, Stroke are all Critical Illnesses.
While a Health Insurance Plan does cover these ailments, the total Insurance Coverage may not be enough. This is where a standalone Critical Illness Policy or an Add-On Cover meant specifically for treatment of Critical Illness comes into play. A standalone plan or an Add-On will let you avail a larger coverage for treatment of a Critical Illness. It covers end-to-end costs of diagnosis, doctor’s fees, medicines and several other expenses incurred before and after hospitalization. This will protect your Health Insurance Plan and prevent your life savings from being wiped out to meet treatment expenses.
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