2- Bharti AXA General Insurance Company Limited - Critical Illness Insurance
	SMART HEALTH CRITICAL ILLNESS INSURANCE POLICY Present yourself and your loved ones with a secure future! Time spent with your family is what makes life memorable. Do not let worries of an uncertain future hinder you from living your life to the fullest. To assure a secure future for yourself and your loved ones, think smart! A smart first move Smart coverage Simple, yet comprehensive; this defines Bharti AXA's SmartHealth Critical Illness Insurance Policy. The policy covers all expenses incurred as a result of critical illnesses.   Critical illnesses Covered:-   1. Cancer. 2. First heart attack 3. Coronary artery disease 4. Coronary artery bypass surgery 5. Heart valve surgery 6. Surgery to aorta 7. Stroke 8. Kidney failure 9. Aplastic anaemia 10. End-stage lung disease 11. End-stage liver failure 12. Coma 13. Major burns 14. Organ / bone marrow transplantation 15. Multiple sclerosis 16. Fulminant hepatitis 17. Motor neurone disease 18. Primary pulmonary hypertension 19. Terminal illness 20. Bacterial meningitis You can opt for: Sec.1. Reimbursement/Payment of Hospitalisation Expenses for treatment of critical illnesses, once diagnosed   or Sec.2. Payment of compensation on diagnosis of critical illnesses and on survival for more than 30 days. Smart policy benefits     ( In case of Sec.1 )     Hospitalisation expenses Pre-hospitalisation expenses Post-hospitalisation expenses Dread disease recuperation Transplantation of organs Hospital cash allowance Home nursing Ambulance charges In-patient physiotherapy charges Recovery grant Accompanying person's expenses Children education fund Mortal remains Distinctive features The policy empowers you with a series of additional benefits, which are: Family floater You choose one sum insured for the whole family (self, spouse and two dependent children up to the age of 23 years). This sum covers all the expenses for one or more claims during the policy period. Income tax benefit Premium paid for this policy is eligible for deduction under Sec-80D of the Income Tax Act Renewal discount You get a 5% discount on the renewal premium for every claim-free year, up to a maximum of 25%. Policy servicing The policy will be serviced by the Third Party Administrator(TPA), who will provide, among other things, cashless facility for hospitalisation in network hospitals Eligibility Any person who is a resident of India and in the age group of 3 months to 55 years (at entry) can be covered under the Policy. Children in the age group of 90 days to 5 years can be covered in this policy if at least one parent is also covered under the policy. The maximum age applicable for renewal under this policy is 65 years. Exclusions Some of the major exclusions under the policy are expenses relating to: Any disease / illnesses contracted during the first 60 days of the first year policy (This will not apply for subsequent and regular renewals) Any pre-existing diseases / conditions / injuries at the inception of the policy cover. However, the same will be covered after four continuous renewals with us. Since, the policy cover incepts for the first time. Treatment traceable to pregnancy or childbirth AIDS or HIV or ARCS-AIDS Related Complex Syndrome Treatment following use of drugs or liquor In case of intentional self-injury Treatment received overseas Treatment for any criminal act Experimental and unproven treatment Treatment by a family member / self medication or any treatment which is not scientifically approved Naturopathy / unani treatment Aesthetics / cosmetic treatment, plastic surgery Psychiatric, mental and psychological disorder and stress Congenital internal disease Critical Illness- Plan benefits Section Particulars Sum insured (in Rs.) 200000 300000 500000 1.Reimbursement/Payment of Hospitalisation Expenses for treatment of critical illnesses (up to the limit of Sum insuredSectionopted), once diagonsed a Hospitalisation Expenses indemnity basis 100% of sum insured 100% of sum insured 100% of sum insured b Pre-Hospitalisation 100% of sum insured 100% of sum insured 100% of sum insured Pre-Hospitalisation 100% of sum insured 100% of sum insured 100% of sum insured c Dread disease recuperation Rs 500 per day for a max of 45 days Rs 500 per day for a max of 45 days Rs 500 per day for a max of 45 days Transplantation of organs 15% off on SI over and above the orginal SI 15% off on SI over and above the orginal SI 15% off on SI over and above the orginal SI Additional benefits Hospital cash allowance Rs. 750 perday for 30 days after the first 3 days Rs. 1000 perday for 30 days after the first 3 days Rs.1000 perday for 30 days after the first 3 days Home nursing Rs. 350 perday for 10 days after the first 3 days Rs. 500 perday for 10 days after the first 3 days Rs. 500 perday for 10 days after the first 3 days Ambulance charges Rs. 2500 Rs. 2500 Rs. 2500 Inpatient physiotherapy 2% of SI 2% of SI 2% of SI Recovery grant Rs. 12500 Rs. 12500 Rs. 12500 Accompanying person expenses Rs 250 for 10days after first three days Rs 250 for 10days after first three days Rs 250 for 10days after first three days Children education benefit Rs. 5000 Rs. 5000 Rs. 5000 Carriage of mortal remains Rs. 1000 Rs. 2000 Rs.2000 2. Payment of compensation, equivalent to the limit of sum insured opted,on diagnosis of critical illnesses and on survival for more than 30 days Payment of compensation 100% of sum insured 100% of sum insured 100% of sum insured