| 8- Bharti AXA General Insurance Co. Ltd : Smart Health Insurance Policy |
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| Source : Website of Bharti AXA General Insurance Company Limited |
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| It's a fact that stress-related ailments have an earlier onset these days than in any earlier era. Also, there is more that modern medicine can do today to extend our longevity by combating critical illnesses, but it doesn't come cheap. The way to be prepared for contingencies is to be equipped to deal with the costs of hospitalization, should the need arise. With Bharti Axa Smart Health Insurance Policy, you will be |
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| A smart first step |
| Simple, yet comprehensive; this defines Bharti AXA’s SmartHealth Insurance Policy, which can cover your immediate family for hospitalization expenses. |
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| The Smart policy benefits |
| The policy provides for eventualities arising out of hospitalisation, such as: |
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1. Hospitalisation expenses
2. Domiciliary hospitalization
3. Day care treatment
4. Pre and post-hospitalisation expenses
5. Pre-existing diseases - all diseases / illness / injuries including symptoms or conditions existing when the policy cover comes into force for the first time, after four continuous renewals with us
6. Critical illness - 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 neuron disease, primary pulmonary hypertension, terminal illness, bacterial meningitis. Please refer to policy for complete terms and conditions
a. Dread disease recuperation
b. Transplantation of organs |
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| Value-added benefits |
| A host of value-added benefits are also on offer: |
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1. Hospital cash allowance
2. Home nursing
3. Ambulance charges
4. In-patient physiotherapy charges
5. Recovery grant
6. Accompanying person's expenses
7. Parent accommodation as companion for child
8. Out-patient dental emergency treatment (arising out of accident only)
9. Out-patient emergency treatment for accidents
10. Children education fund
11. Transportation of mortal remains |
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| Additional features |
| The policy empowers you with a series of additional features, which are: |
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1. Family Floater Feature - Cover your family (Yourself, spouse and two dependent children upto the age of 23 years) under a single policy.
2. Renewal discount - you get a 5% discount on the renewal premium for every claim-free year upto a maximum of 25%
3. Benefits from income tax - premium paid for this policy is eligible for deduction under Section 80D of the Income Tax Act
4. Cost of health check-up - for every block of four claim-free years of your policy with us, 1% of the sum insured will be provided towards the cost of the health check-up |
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