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Bharti AXA Life Triple Health Insurance Plan

What is the Plan all About?

Bharti AXA Life Triple Health Insurance Plan is the latest health product which offers you multiple critical illnesses claim up to a maximum of 3 claims. This plan pays you the lumpsum amount equal to the sum assured to help you meet unexpected medical expenses.


What are the Key Features?

  • Lump sum payout on diagnosis of a critical illness
  • Covers 13 Critical Illnesses split into 3 Groups
  • Full Sum Assured paid on each claim
  • Waiver off Future Premiums after 1st Claim
  • Get Tax Benefits under section 80D

What are the Plan Benefits?

Policy Benefits

    Lump Sum Benefit

    • Lump sum amount is payable to the insured equal to the sum assured on being diagnosed with a critical illness from any of the 3 groups classified as first claim.
    • Encounter with second critical illness (from a separate group of illnesses as mentioned in the policy contract), 100% of Sum Assured if event is not included in the same group for which compensation was paid at the first critical illness event. This is subject to a no benefit period of 365 days between each claim.
    • 100% of Sum Assured paid in the event of third claim (from a separate group of illnesses as mentioned in the policy contract) subject to a no benefit period of 365 days between each claim.

    Waiver of Premium Benefit

    The future premiums are waived off after the first claim for the remaining policy term.

    Death Benefit

    There is no death benefit payable under this plan.

    Maturity Benefit

    There is no maturity benefit payable under this plan.

    How the Plan Works?

    Let us understand the plan with the example of Mr. Ashok:

    Life Insured: Mr. Ashok

    Age: 30 years

    Term: 15 years

    Sum Insured: Rs 5 lacs

    Annual Premium: Rs 2,440 plus taxes

Value Added Benefits

    • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.
    • Avail Bharti AXA Life Hospi Cash Rider for enhanced coverage.
    • Premium Rates are guaranteed for the first 3 years of the policy.

Sub Limits

    • No Copay or sub limit applicable.

Waiting Period Clause

    • Initial Waiting Period: A waiting period of 90 days from the inception date for all claims to be admissible, under this policy.
    • Subsequent Claim Waiting Period: For your subsequent claims (2nd and 3rd claims), there would be a no benefit period of 365 days from the date of diagnosis of the previous claim.
    • Survival Period Waiting Period: There is a minimum survival period of 30 days post each claim.
    • Pre Existing Waiting Period: 48 months waiting period applicable with respect to Pre Existing Diseases.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 Years 65 Years
Sum Assured 2 Lacs 30 Lacs
Cover Type Individual -
Policy Tenure 15 Years 15 Years
Grace Period 30 Days & 15 Days For Monthly Mode -
Freelook Period 15 Days -
Riders Bharti AXA Life Hospi Cash Rider -
Plan Type Offline -


  • Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus (HIV)
  • Self inflicted injuries
  • Suicide, insanity, and immorality,
  • Participation of the life insured in an illegal or criminal act
  • Use of intoxicating drugs / alcohol / solvent, taking of drugs
  • War – whether declared or not, civil commotion
  • Radioactive contamination due to nuclear accident
  • Injuries or diseases arising from professional sports, racing of any kind, scuba-diving, aerial flights, etc.