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.

Overview-

Plan	Entry Age	Maximum Number of Members	Sum Insured Range
Basic	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
Premium	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
Optimum	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-

Sum insured option chosen.
Number of family members to be covered.
The age of the senior most people in the family to be covered.
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.

Eligibility–

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.

Inclusions-

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.

Exclusions-

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.

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Reference Links-

https://www.policybazaar.com/insurance-companies/bharti-axa-health-insurance/

https://www.bankbazaar.com/insurance/bharti-axa-health-insurance.html

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