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.
Overview
|
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.
ClaimProcess
- 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.
Eligibility
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.
LSI Keywords: Bharti AXA Smart health insurance plan, smart health insurance, Bharti AXA, critical illness coverage, family floater
References
http://www.bharti-axagi.co.in/SEM/health_insurance/lsp-critical-illness5-new1.html
http://www.bharti-axagi.co.in/health-insurance/faqs
http://www.bharti-axagi.co.in/health-insurance
http://www.bharti-axagi.co.in/health-insurance/inclusions-exclusions
http://www.bharti-axagi.co.in/health-insurance/claims
http://www.bharti-axagi.co.in/health-insurance/cashless-hospital-network
