Bharti AXA Smart Health Critical Illness Policy

Policy Benefits

• Payment of compensation equivalent to 100% of the Sum Insured chosen, upon diagnosis of a critical illness and survival for 30 days.
• Hospitalization expenses on indemnity basis are covered up to 100% of the Sum Insured (SI).
• Pre-hospitalization expenses that are incurred prior hospitalization are covered up to 100% of the sum insured for 30 days.
• Post-hospitalization expenses that are incurred post discharge from hospital are covered up to 100% of the sum insured for 60 days.
• Medical expenses incurred towards transplantation of organs are covered.
• Hospital cash allowance is available in this policy. This benefit is applicable for 30 days after the first 3 days of hospitalization.
• Dread disease recuperation is covered in this policy.
• Recovery Grant is payable under this policy.
• Home nursing allowance is payable daily for 10 days after the first 3 days of hospitalization.
• In-patient physiotherapy charges are covered.
• Accompanying person expenses are payable for 10 days after the first 3 days.
• Child Education Benefit is applicable under this policy.
• Charges incurred towards the carriage of mortal remains are covered.

Value Added Benefits

• Get renewal discount as 5% discount on renewal premiumfor each claim free policy year, subject to a maximum of 25%.
• Sum Insured Enhancement can be availed at the time of policy renewal, provided no claim has been lodged/paid under the policy.
• Ambulance charges are covered in this policy.
• 50% cost of medical examination is reimbursed upon acceptance of the proposal.
• Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

• Hospital Cash Allowance is payable as Rs 750 per day for SI 2 Lacs and Rs 1000 per day for SI 3/5 Lacs.
• 1% of the sum insured will be provided towards the cost of the health check-up after every block of four claim-free years.
• Ambulance charges are payable up to Rs 2,500.
• Recovery grant of Rs 12,500 is payable.
• Dread disease recuperation is payable as Rs 500 per day for a maximum of 45 days.
• Organ transplant expenses are payable up to 15% off on SI beyond the original SI.
• Home nursing benefit is capped up to Rs 350 per day for for SI 2 Lacs and Rs 500 per day for SI 3/5 Lacs.
• In-patient physiotherapy expense is capped up to 2% of SI opted.
• Accompanying person expenses are capped up to Rs 250.
• Children education benefit of Rs 5,000 is payable.
• Carriage of mortal remains expense is capped up to Rs 1,000 for SI 2 Lacs and Rs 2,000 for SI 3/5 Lacs.

Waiting Period Clause

• Initial Waiting Period: Any claim is admissible after the first 60 days from the date of commencement of the policy.
• Pre Existing Waiting Period: Any pre-existing condition/disease/injury is covered after 48 months of continuous policy coverage.
• Survival Waiting Period: Payment of compensation on diagnosis of critical illnesses and on survival for more than 30 days of tenure is applicable.