Grab Your Umbrella: Monsoons rain down problems on Bangalore Start-ups (Content Princess – SEO)

As those living in tropical climates already know, monsoon patterns can impact almost every aspect of life. Particularly in the Indian Ocean, these seasonal variations in rainfall and wind patterns can have a drastic impact on things as far reaching as food prices, travel plans, insurance rates, and poverty rates.

Why do monsoons matter?

Shifts in monsoon patterns are caused by the El Niño Southern Oscillation, a semi-yearly change in ocean temperatures which causes a ripple effect through atmospheric patterns. Research has shown that global warming is exacerbating the effects of ENSO, causing more extreme monsoons and more extreme dry seasons.

Yearly changes in ENSO patterns (image:

How do monsoons impact India in particular?

The monsoon season is particularly important in India. It has one of the most extreme fluctuations in the wet and dry season caused by monsoons. It also hosts one of the strongest tech industries in the world; Bangalore has long been called the “new silicon valley,” as it is home to over 30{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of start-ups in the country.

India has experienced serious consequences from global warming: the country is experiencing record temperatures year after year, and the annual monsoon has been delayed three years in a row, causing serious fluctuation in crop and energy prices.

Bangalore startups are particularly impacted by monsoon season because without the extensive infrastructure of an established company, it can be harder to bounce back from environmental changes such as monsoons.


Entrepreneurs can be the most prepared, well-planned, organised managers of their start-ups, and still, they cannot quite buffer themselves from the effects of monsoons.

Business and tech are expanding extremely rapidly in India, but much of the infrastructure has been rapidly constructed as well, sometimes leading to insufficient systems to handle the needs of a huge population

Startups and Internet in Monsoon Season

Internet connectivity, in particular, is an extremely big problem for start-ups during monsoons. Start-ups often depend on overhead lines or underground fibre cables for their connections.

Larger companies who can afford dedicated leased lines do not suffer from as many connectivity problems. Start-ups using less expensive internet options often experience loss of connection in conditions as tame as gentle rain.

Worse, it is difficult to tell whether, in any given meteorological event, the internet will stay connected or not. Therefore, it is hard to plan the week and set strict deadlines for projects, since it could be impossible, logistically, to keep them. Planning a big event or conference could go completely haywire if the internet in the neighbourhood goes down due to a fallen tree. We depend on the net for almost everything, and a start-up could suffer even more if the loss of connection happens to occur on the due date for a big bill or contract processing.

Looking to the future: rural vs. urban impacts

However, in other respects, many businesspeople believe the importance of the monsoon for the investment market overall is in decline. Even though the monsoon may be becoming less predictable, its largest impacts are on rural populations. As time goes on, the stock market is being dominated not by energy or agricultural staples but by urban consumers and businesses.

Further reading:

Keywords: startups, Bangalore startups, India, monsoon, El Niño Southern Oscillation,


Nightlife in Jaipur – India`s Pink City – Ready to give you a rosy welcome! (Content Princess)

Jaipur is known throughout India as “The Pink City” due to its impressive pink coloured architecture and is the capital of the state of Rajasthan. Known as India’s most flamboyant state. The nightlife in Jaipur has plenty to offer regarding things to do in Jaipur for both residents and the growing number of foreign tourists. Offering something for everyone, nightlife in Jaipur is bound to be a unique and unforgettable experience.

Places to Visit in Jaipur

Jaipur is host to a multitude of historically significant sites and buildings. One of the most impressive is Jaigarh, also known as “The Victory Fort”. Built in the 18th century by the city’s founder Jai Singh II, the impressive looking structure was originally built to protect the nearby palace complex. Today its unique sandstone coloured walls attract visitors from near and far, making it one of the most popular destinations in the city

Nahargarh is another enchanting place to visit in Jaipur which is full of history and is not to be missed. Also built in the 18th century, Nahargarh stands on top of the Aravalli hills and offers visitors impressive panoramic views of the city. These forts are an exciting experience for visitors of all ages. For those who wish to learn about the rich history of Jaipur, and those who only want to stand back and enjoy the stunning views and architecture.

Another spectacle not to be missed in Jaipur is the Jantar Mantar light show. Jantar Mantar is the largest stone observatory in the world, and the light show which lasts for 45 minutes, is in part a reflection of the story of how and why Jai Singh decided to build the structure. On display are also various artefacts related to the city’s astronomical and scientific past. Shows start at 18:30 and 19:30 and last for 45 minutes. Tickets cost between 10 and 20 depending on whether the show is in Hindi or English.

Choki Dhani – A taste of rural Rajasthan

If you want to escape the hustle and bustle of the city, away from the nightlife of Jaipur, and experience a unique culture first hand then perhaps Choki Dhani is for you.

An award winning tourism project located just outside of Jaipur, Choki Dhani is a traditional style Rajasthani village which showcases the very best in art, culture and cuisine. They have attractions such as elephant rides, traditional dances, and fantastic food. The restaurant is open until 11 pm, and live entertainment is provided. The restaurant is vegetarian-friendly, and the prices are reasonable at around 700 per adult, and 450 for children.

Of all the things to do in Jaipur, Choki Dhani is repeatedly voted as one of the “not to miss” attractions.

21st Century Nightlife in Jaipur

Aside from the traditional offerings of Jaipur, there is also a growing up and coming nightlife scene which boasts of fantastic bars, dining, and hotel facilities. Blending traditional with modern, Jaipur`s nightlife is always a unique and special experience. The locals pack the city’s bars, and restaurants come sundown, and there is always a diverse mix of things to do in Jaipur.

For cinema lovers, you absolutely must go and see a Bollywood film at the famous Raj Mandir Theatre. It is advisable to book in advance for the latest movies.Tickets are available at between ₹60 and ₹120.

Regarding bars and nightlife in Jaipur, there is something to suit everyone’s taste. From the laid back atmosphere of 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} Rock, located opposite Deer Park, to the sleek, sophisticated design of Bar Palladio, you can find all types of environment to pleasure the senses. Other favourite hangouts in the city include Colorbar, which is a rooftop style bar, and Grunge, which was voted best restaurant in Jaipur in 2015 and has live music several times per week.

Food lovers will also not be disappointed; Jaipur has hundreds of restaurants serving delicious Rajasthani dishes and the finest international cuisine. Whether you want authentic street food prepared freshly in front of you, or if you prefer a more relaxed dining experience, Jaipur will not disappoint. Some of the most popular choices include the Jaipur Pavilion, Shreenath Lassiwalla, and Jal Mahal.

The Future is Bright –

Jaipur is a unique world heritage city, which regarding things to do has as much to offer as anywhere else. It is a city which still maintains an excellent balance between tradition and modernity. Growing at twice the national rate, it is becoming a major economic hub and gaining in popularity as a must visit tourist destination. Current improvements to the transport infrastructure and expansion in the hotel industry are making Jaipur a much more easily accessible destination. The heritage sites and fantastic nightlife in Jaipur are just the foundations, and as long as it retains its unique charm amidst development, the future will be a good one.


Doing Goa? Do It Right: The Best Beaches in Goa (Rank Princess – SEO)

Beach life is synonymous with Goa, and for a good reason. While the state offers a wide spectrum of tourist attractions, the beaches of Goa have become a benchmark for other beaches across the country. So, let’s ‘dive in’ into the list of the five best beaches of Goa.

  1. Morjim Beach

Morjim Beach in North Goa is not quite like the other famous beaches of Goa. It is peaceful, away from the high-octane activity that surrounds other beaches and a nesting place for the endangered Olive Ridley turtles.

So, expect to find nets around the beach protecting the turtle eggs. And if it’s your lucky day, you’ll find the little guys coming out of their nests and swimming into the ocean.

But ‘peaceful’ doesn’t have to mean ‘devoid of fun.’ The landscape here is an interesting mix of palm tree groves, forests, village cottages and Russian sign boards.

Yes, you read that right. Morgim is a favourite amongst the Russians, and such is their influence here that you’ll find a robust Russian community, and no shortage of restaurants serving Russian and Indo-Russian food.

(Image Courtesy:

  1. Anjuna Beach

Set on a backdrop of hills, Anjuna is among the most famous beaches of Goa. The beach is beautifully littered with red laterite rocks and complimented by the white sands and the green hills in the back.

While a favourite amongst nature enthusiasts, Anjuna Beach is an A-Lister when it comes to nightlife and luxury accommodations. You’ll find a lot to do here as the nearby areas are teeming with seafood restaurants cooking the freshest catch and shopping stops offering everything from trinkets to designer clothing.

Anjuna is a beach where you want to bring your camera, as it offers landscapes and moments you’d always want to cherish.

(Image Courtesy:

  1. Calangute Beach

Calangute is the largest beach in North Goa and attracts thousands of domestic and international tourists. The reason for such flocking is the presence of water sports activities such as parasailing, water skiing, surfing, among many. 

While many beaches in Goa offer water sports, the rough tides of this beach make sporting and swimming especially challenging and a whole lot more interesting. But this is not the beach you visit during autumn, as swimming and surfing are not allowed in those months due to extremely rough conditions.

Calangute is also the venue of some of the biggest beach parties in India. While active all year round, you’ll find Calangute in its full glory during Christmas and peak summers.

(Image Courtesy:

  1. Baga Beach

No list of the best beaches of Goa is complete without including Baga. If you’re bored of Baga, you must be bored of life, because Baga has all that life has to offer. Whether it’s authentic seafood, nightlife, high tides, shopping, water sports or luxury accommodation, Baga has got you covered.

If you happen to be a wind surfer, you can test your skills at the National Wind Surfing Championship held every year between September and November. 

If surfing is not your cup of tea, you can take a boat ride spotting dolphins or fishing.

Located at a distance of only 15 kilometres from the capital Panaji, a visit to Baga is a given if you’re coming to Goa.

(Image Courtesy:

  1. Candolim Beach

Candolim is a village in North Goa, and Candolim Beach is, in a way, an extension of Calangute Beach. Despite the continuum, the two beaches offer very contrasting experiences.

Set against a backdrop of rows of palm trees, Candolim Beach is perfect for those who fancy staying, shopping and dining close to the shore.

This soft sandy beach also prides itself in offering a relaxed experience, be it sunbathing, picnicking and relishing some of the freshest seafood.

There is a wide variety of accommodation available near Candolim, and you can choose between hotels, service apartments or inns, depending on your taste and budget.

So, this sums up our list of the top five beaches in Goa. However, this list barely scratches the surface of what this magical state has in store for you. Goa has to be visited and revisited to truly understand and appreciate its magic. So, whatever your idea of the ‘perfect vacation’ might be if you can imagine it, Goa can give it to you.

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LSI Keywords:

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Best Nightlife Places in Jaipur (Rank Princess – SEO)

If you thought that Jaipur is only meant for a shopping spree and posing with the century-old mansions, then you are in for a surprise. Amidst the ebbing street of colours, an evening in Jaipur is worth every dime spent.

Jaipur, the Rajasthani capital of colours and beauty, is not just limited to ethnic artefacts and traditional handicraft works. The Pink city, as famously known due to the pink sandstone used in its architectural grandeur, reinvigorates by night. Jaipur’s nightlife is probably by far the most happening night life you have come across in the entirety of the country.

The city is a place for the nocturnal to explore more in the dark camouflages of Jaipur’s nightlife. Here is the list of places you should visit to enjoy the city in a different hue.

  1. Geoffery’s, Hotel Park Plaza

If you would like to experience the grandeur of Jaipur with a quintessential colonial touch, then this is a must place for you to visit. The classic wooden architecture under the hazy dim yellow lights will add more sparkle to your drink than you could have ever imagined. Not only is the ambience uber cool, but the drinks here have a sassy touch to them too. A must try for your taste buds.

(Image Courtesy: Parkplaza)


  1. Amigos Bar & Discotheques, Hotel Om Towers

This is the place to visit if you have a keen interest in Mexican culture. The site is designed with a Mexican theme. The music is so good that it will get dance embedded in your blood. It is a place to let the diet chart loose and indulge in the city’s finest Mexican food (it is their specialisation).

(Image Courtesy: Hotel Om


  1. Ta BLU, Hotel Clarks

The selling point of this place is its rooftop café bar which is open till 1 am. A simple traditional spacious lounge with sofas and seats for you to sit back and sip the amazing cocktails they offer. You can do all this, while overlooking the Jaipur city glittering with lights at night, under the stars.

(Image Courtesy:

  1. The Fireball, Hotel Ramada

If the traditional look of most of Jaipur’s bars& pubs have worn you out, then there is another name on our list of contemporary bars to light up your night. The Fireball is a unique place with its modern minimal ambience. It’s a popular spot for youngsters and many celebrities. The place also holds a discotheque night over the weekends. A little expensive on your pocket, but the fun here is unmatched.

Apart from night clubs, we also have a list of things if you wish to enjoy a quiet display of art and culture.

(Image Courtesy:

  1. Light and Sound Show, Amber Fort

It is a 50 minute, must watch spectacular show of lights and sound at the Amber Fort. The fort, already steeped in culture and traditions, revives itself through the night. The various colourful lights thrown at the fort walls coupled with its reflection on the Maota River will leave you breathless. Not only the show, but you can also enjoy indigenous Rajasthani delicacies, and a puppet show, while immersing you in its grand history.

(Image Courtesy:

(Image Courtesy:

  1. Raj Mandir Cinema, C-16

Created by W.M  Namjoshi, the cinema is owned by Bhuramal Rajmal Surana. It was inaugurated on June 1st, 1976 with the movie ‘Charas’. Since then, this has been a favourite hub for movie lovers. The ambience is sheer El Classico, but the crowd is a mix of local and foreigners who cheer at every impressive stunt in the film. Also, the food is amazing.

(Image Courtesy:

(Image Courtesy:

  1. Cultural Shows, ITC Rajputana

A place that will fill your nights with an amazing display of puppet shows and traditional folk dance. You can watch Kabila dancers perform their sensuous moves to mesmerise you with their art or listen to the enchanting songs from the Bhopa singers as they narrate the folklore on the phad (scroll).

(Image Courtesy:

(Image Courtesy:

Hope you enjoy the charming nights at Jaipur!

Keywords: nightlife in Jaipur

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Jaipur – The Land of Hidden Jewels (Rank Princess – SEO)

Jaipur, the land of Maharajas, a tantalising mix of both old and new will certainly leave you mesmerised by its raw beauty. Being the capital of Rajasthan itself makes it a gateway to the most beautiful moments in Indian history, a history where dynasties rose and fell.

Right from the time it was founded by Maharaja Jai Singh II, the city of Jaipur has been acquainted with art in its finest forms, more so in its culture.

In this beautiful city, you can be assured that not a moment of your trip will go by in boredom, whether day or night. While most people know what to do in the daytime, very few know how great the nightlife is in Jaipur.

So, if you are wondering what to do in Jaipur at night then look no further.

There are more than a few excellent places to visit in Jaipur at night, some of which are as follows:

Chokhi Dhani

If you are a big fan of the Rajasthani food and culture, or if you want to experience the same, then Chokhi Dhaniis the perfect place for you. Ideal to visit with family or friends, Chokhi Dhani will leave you dazzled with its realistic depiction of the vibrant culture of Rajasthan.

(Image Courtesy:

Jawahar Circle

Jawahar Circle happens to be the largest circular parkbuilt on a highway traffic circle. There are some attractions for tourists especially if you are wondering what to do in Jaipur at night. The attractions include:

Entertainment Paradise

Kala Mata Mandir

Durga Mata Mandir

The World Trade Park

Gaurav Tower

(Image Courtesy:

Statue Circle

The Statue in Jaipurwas built in tribute to its founder Maharaja Sawai Jai Singh II. The figure looks best at night and has become quite a famous hangout spot for tourists and locals alike. You can enjoy some of the best street food of Jaipur at this spot.

(Image Courtesy:

Nahargarh Fort

The Nahargarh Fortwill offer you a spectacular view of the entire pink city at night and is a popular part of the nightlife in Jaipur. Since Jaipur is the capital city of Rajasthan, the Nahargarh Fort was built to improve the defence of the army of Amer. It is recommended to visit this beautiful place by bike for an even more thrilling experience.

(Image Courtesy:

Raj Mandir Movie Theatre

Raj Mandirhappens to be one of the most prestigious movie theatres in India since 1970. Situated at Bhagwan Das Marg on the M.I. Road junction, this film theatre will indeed fulfil your cravings of watching a night show in Jaipur. It is nothing less than a magical experience. Visit this theatre and enjoy a movie in the gorgeous interiors and experience royalty.

(Image Courtesy:

(Image Courtesy:

Night Tour of Amer Fort

A Jaipur night tourof the Amer Fort is surely a must do when in Jaipur. While the entry cost during the day time is just Rs 25, the entry cost at night is four times that amount. The foundation of this fort was laid in the 16th century by Raja Man Singh. This beautiful monument is made of red sandstone along with white marble.

(Image Courtesy:

(Image Courtesy:

Amar Jawan Jyoti

The Amar Jawan Jyoti is a beautiful monument constructed to honour all the soldiers of Jaipur for their immense bravery. This structure, located inside the Rajpath, is brilliantly lit up in the evenings and is a beautiful place to visit on your trip to Jaipur.

(Image Courtesy:

Hawa Mahal

A description of the nightlife in Jaipur would be incomplete without this incredible monument. Of all the places to visit in Jaipur at night, the Hawa Mahalis often considered to be the best one. Also known as the Palace of Winds, this beautiful structure is situated in the heart of the city. Constructed in 1799, the Hawa Mahal boasts of mesmerising five levels. This attraction was created to give the royal women of the palace a glimpse of everyday life as they were never allowed outside.

(Image Courtesy:

The wonderful city of Jaipur is just as dazzling in the night as it is colourful in the day. Just as the city falls into dusk, all of its famous monuments are illuminated in the dark; the streets begin to shine, and everybody is invited to join in the reverie.


Secure Your Family A Healthy Future With Bharti AXA (Rank Princess – SEO)

With hospital bills going through the roofs these days, getting a health insurance plan for your family should be your biggest priority. With a wide variety of differing insurance plans out there, it becomes hard to choose the right one for you.

Bharti AXA has got one of the best-rounded insurance plans in this business. With already a lot of customers under its fold, it is certain that the promises by Bharti AXA are reliable too.



Entry Age

Maximum Number of Members

Sum Insured Range


Children- Over age two years for an individual plan

and from age three months to age twenty-three years for floater plan

Adults till agesixty-five years for sum insured INR 2,00,00 and fifty-five years for sum insured over INR 2,00,000

Adults 2

Children 2

INR 2,00,000; INR 3,00,000 and INR 5,00,000


Children- Above age two years for individual plan

and between age three months to age 23 years for floater plan

Adults up to age 55 years

Adults two Children two

INR 3,00,000


Children- Above age two years for individual plan

and between age three months to age 23 years for floater plan

Adults up to age 45 years

Adults 2

Children 2

INR 4,00,000 and INR 5,00,0

With Bharti AXA, premiums vary from plan to plan based on the following characteristics-

  1. Sum insured option chosen.
  2. Number of family members to be covered.
  3. The age of the senior most people in the family to be covered.
  4. The type of policy you opt for(basic/premium/optimum).

Bharti AXA covers up to four members of the family, as is evident from the table above. The premium is calculated based on the age of the oldest member taking part in the insurance plan.

Bharti AXA promises to pay all expenses of times during hospitalisation, pre-hospitalisation and post-hospitalisation. Expenses are covered within the range of Rs 2 lakhs to Rs 60 lakhs. Besides pre/post hospitalisation, expenses such as organ donor expenses, hospital cash allowance, ambulance charges, and home nursing charges are also covered.

The policy can be renewed lifelong.

Why Should You Buy Bharti AXA’s Plan-

Bharti AXA’s health insurance review by Bank Bazaar has scored it four out of five.

However, some of its amazing features set it above the competition. It has a good incurred ratio of 97.48{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. Plus, with the availability of lifelong renewal, you can easily renew it during any point in your life.

Though the waiting period of 4 years might put it behind some other plans, the waiting period is a common average with many others following the same lead.

Bharti AXA Smart health insurance is a solid all-rounder, and families with or below four members will certainly benefit from what it has to offer.

Features And Benefits-

The main characteristic features of the Bharti AXA plan can be summed up as follows-

  • Three sets of plans worth Rs 2 lakh, Rs 3 lakh and Rs 5 lakh (as in the above table).
  • Payment of the sum of Rs 2 lakh up to Rs 60 lakh with complete coverage.
  • A waiting period of 4 years before you can make claims.
  • Coverage of maximum illnesses(up to 20 illnesses for the smart health critical illness plan).
  • Applicable only to a family of four or less.


To put it all into perspective, Bharti AXA’s plan is perfect both in price and features for a small nuclear family.


The insurance policy covers self, spouse and two dependent children up to the age of 20 years.

Children between the ages of 3 months to 5 years can be covered as part of the family floater policy. Between the ages of 5 and 23, you can choose whether to continue with the floater policy or get a separate health insurance.

People with pre-existing disease/illness/injury or conditions will not be covered.


Day care treatment during which 24 hours of hospitalisation is not required is covered. This encompasses procedures such as dialysis, chemotherapy, eye surgery, etc.

Domiciliary hospitalisation i.e. where care and treatment are taken at home exceeding three days for disease, illness or injury is covered.

The list of critical illnesses covered is as follows- Cancer, First Heart Attack, Heart Valve Surgery, Coronary Artery Disease, Coronary Artery Bypass Surgery, Surgery to Aorta, Kidney Failure, Stroke, Aplastic Anaemia, End Stage Liver Failure, and End Stage Lung Disease.


Claims made within first 30 days of policy are not applicable. This rule isn’t applied to future renewals.

For the first two years, exclusions include Cataract, Laser surgery, Myomectomy, Hysterectomy unless because of malignancy, Dilation and curettage, Hernia, haemorrhoids/piles, Hydrocele, sinusitis, fistula in anus, Joint replacement, unless due to accident.

All types of skin and all cysts/internal tumours/polyps of any kind/including breast lumps, unless malignant/nodules, Gastric and duodenal erosions &Ulcers, Dialysis required for chronic renal failure

Permanent exclusions include Routine medical, the cost of spectacles, eye and ear examinations, Dental treatment, Circumcision, sex change or treatment, hormone replacement therapy, fertility or conception operation, Birth control procedures, caesarian section, Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illnesses related to HIV.

Documents Required-

For ages up to 55 years, quote on the policy can be made online. Ages above need to make a call with Bharti AXA’s call centre to make a quote.

There is almost no paperwork involved in the buying process, except for people above 55 years, in which medical examination will take place.

Claim Process-

The following documents are required to make a claim in a non-cashless hospital.

  • First prescription of the present illness, for which procedure has undergone in nursing home/hospital.
  • Discharge summary of the hospital.
  • Medical advice for hospitalisation.
  • The final bill of the hospital.
  • Medical fitness certificate.
  • All test reports supported by medical prescription (pre & post hospitalisation).
  • All vouchers/bills/receipts pertaining to the tests mentioned above.
  • All medicines purchased from outside the hospital at any point in time to be supported by original prescription.
  • Complete and signed Claim form with attending doctor’s prescription.

Once all these documents are present with you, the claim should be filed with a claim officer who will then examine your claim and accept or reject your claim.

LSI Keywords- Health insurance policies, Bharti AXA life triple health insurance plan, Bharti AXA health insurance review

Reference Links-{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}20insurance{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}20bharti{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}20axa&utm_content=HealthText-LP-CHN&utm_campaign=Bharti-Axa-Brand-Health-Insurance&gclid=CJCM6ojurdACFcaOaAodVbAGSQ


Bharti AXA Smart Health Insurance Plan (Rank Princess – SEO)

Nowadays, health insurance is a mandatory investment to safeguard you and your family against rising medical costs. Picking the right plan with the optimal coverage is the key to selecting a good insurance plan.

Bharti AXA Smart Health Insurance Plan is one such insurance plan that not only provides coverage for regular illnesses but also doubles the coverage in case of critical illnesses. This is an important benefit of Bharti AXA’s smart health insurance plan that makes it stand apart from other health plans.


Plan – Variant

Entry Age

Sum Insured

Basic Plan

For children – individual plan above age of 2 years, Family floater plans from 3 months to 23 years


For Adults – Up to Age 65


Max Number of Members- 2 Adults and 2 Children

INR 2,00,000

INR 3,00,000

INR 5,00,000

Premium Plan

For children – individual plan above age of 2 years, Family floater plans from 3 months to 23 years


For Adults – Up to Age 55


Max Number of Members- 2 Adults, 2 Children

INR 3,00,000

Optimum Plan

For children – individual plan above age of 2 years, Family floater plans from 3 months to 23 years


For Adults – Up to Age 45


Max Number of Members- 2 Adults and 2 Children

INR 4,00,000

INR 5,00,000


A medical test is required for adults aged above 55 years with a sum insured amount of INR 2,00,000 and for sum insured of above INR 2,00,000, a medical test is required for adults aged above 45 years. For the premium plan, a medical test is required for adults aged above 45 years.

Why Should You Buy Bharti AXA Smart Health Insurance Plan?

  • Double Benefit – Regular Coverage for normal hospitalisations or illnesses. Double the coverage for critical illnesses, if the patient is hospitalised due to any of the listed 20 critical illnesses.
  • Cashless Cover – Avail cashless facility at network hospitals across India. Close to 4300 hospitals are covered under this plan.
  • Lump sum Compensation – Receive lump sum compensation, double the sum insured amount in case of critical illnesses.
  • Good Room Rental Limits – with a sum insured amount of INR 2,00,000 to 3,00,000 room rental limit varies from INR 2,000 to 3,000 for normal rooms depending on the type of plan and INR 4,500 for ICU room. There is no rental room limit applicable for sum insured amount above INR 3,00,000.
  • Affordable Cost – Costs just Rs. 12 per day for a smart health insurance plan of the Rs.3 lakh individual plan for an adult aged below 35 years in Mumbai.

Features & Benefits

  • Simple and hassle-free claim settlement procedures with a dedicated claim handler for health insurance claims.
  • Optimal coverage of day-care procedures, pre and post hospitalisation expenses.
  • No Claim Bonus of up to 5{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} for each claim-free year with a maximum of five consecutive years.
  • Pre-Existing Diseases Coverage is available with a waiting period of 4 years. Get coverage from the 5th year after continuous coverage of 4 years with Bharti AXA.
  • Covers domiciliary hospitalisation up to 10{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the sum insured amount as well.

Inclusions: Allmajor critical illnesses are covered under this plan, which includes Cancer, First Heart Attack, Coronary Artery bypass surgery, Stroke, Kidney Failure, End Stage Lung Disease, End Stage Liver Failure, Coma, Major Burns and more.

Home treatment exceeding three days with nurse allowances is included as well. Daycare treatments like dialysis, chemotherapy, eye surgery and the like where more than 24 hours hospitalisation is not required.

Exclusions: There is a cooling period of 30 days where hospitalisation expenses during the 30-day period from inception of the policy will not be covered. Coverage for certain treatments like cataract, laser surgery, hernia, sinusitis and the like are excluded for the first two years from the start of the plan.

The plan does not cover dental treatments, routine eye checkups, birth control procedures, AIDS and maternity related expenses or a pre-existing illness cover from the 5th year onwards. A waiting period of 60 days is applicable for availing the critical illness cover.


  • Cashless Claim: Use the hospital locator to find a network hospital, Submit your health insurance ID card and form to the hospital. The assigned TPA (Third Party Administrator) will stay in touch with the hospital and settle the bills. Any excess amount has to be borne by you, and in case the treatment is not covered, a rejection letter with reasons will be sent out.
  • Reimbursement Claim: If admission is to be made to non-network hospitals, intimate the insurance company within 48 hours of hospitalisation. Keep all the original bills in a file, Pay for the treatment. Submit all the relevant documents and bills to the TPA; Documents will be reviewed, and settlement will be done for you accordingly within 21 days of claim submission.

In addition to this, a dedicated claims handler will be assigned to help you at all points during hospitalisation to follow up with the TPA and hospital. They will assist you through the process and manage the claims effectively on your behalf.


You can avail the coverage for an individual or a family, according to your requirements. In the case of a family, four members including two adults and two children aged below 23 years will be eligible. If you would like to cover elder parents or members, avail the benefits of an individual smart health insurance plan with a maximum age of 65 years.

Wrapping It Up

The Bharti AXA Smart Health Insurance Plan is a standard health plan that comes with a benefit of free critical illness coverage for you and your family. You don’t have to buy a separate add-on cover for critical illnesses since you can opt for coverage of up to double the sum insured amount. Yes, all this comes in a single policy package. So make up your mind now and have a relaxed future.

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