Top 3 Health Insurance Policies of Bharti AXA You Can Buy Online

If you want to buy a health insurance, then invest in a good health insurance cover. Investing in a good policy can enable you to get proper assistance at the time of need. Bharti AXA is a leading general insurance company which is known for high-quality products and customer relationship services. It offers different types of health insurance to relieve you from all health-related worries in the times of need.

Find below top 3 health insurance products of Bharti AXA, designed to cover the medical expenses of the entire family.

1. Smart Health Insurance Plan

Smart health insurance policy by Bharti AXA offers complete coverage to policyholders during hospitalisation due to an accident, injury or illness. Packed with added benefits like the cover for pre and post hospitalization, domiciliary treatment, daycare treatment, critical illness, etc., the policy covers medical expenses incurred on AYUSH treatment and health check-ups. In addition, it provides No Claim Bonus (NCB) benefits and add-on covers like critical illness cover benefits and Hospital Cash Allowance.

Key Inclusions Under The Policy

• Pre and post-hospitalisation expenses
• Expenses incurred in getting treatment at home in case the patient is unable to get treatment in a hospital
• Cover for Hospitalisation expenses and domiciliary hospitalisation
• Daycare treatment (As per terms and conditions of the
• policy)
• Pre-existing diseases coverage after four continuous renewals
• Transplantation of organs

Key Things to Know About the Plan

Before buying this policy, keep the following points in mind:

• Minimum entry age is 91 days (children) and 18 years (adults)
• There is no maximum entry age
• The policy period is 1 year or 2 years
• The sum insured starts from Rs. 2 Lakh to Rs. 5 Lakh
• Easily available on individual and family floater sum insured basis
• Under family floater, the cover is available for self, spouse and two dependent children (up to 23 years of age)
• Policy renewal discount of 5%-25% if no claim made

2. Smart Super Health Plan

Smart Super Health Plan is another insurance product by Bharti AXA. It covers up to five family members, including the policyholder during medical emergencies due to an accident, disease or injury. Making it an ideal product for customers, the insurer has made this policy to cover medical costs incurred for alternative treatment (Ayurveda, Homeopathy, etc.), air ambulance transport and organ donor expenses. This particular policy is available in three variants Value, Classic and Uber. You can choose any of the variants that meet your needs.

Key Inclusions Under The Policy

• Cover for an outpatient emergency, and outpatient dental treatment subject to the variant chosen
• Convalescence benefits depending on the plan variant
• Expenses for an organ donor, daycare treatment and alternative treatment
• Expenses related to in-patient hospitalisation
• 60 days pre-hospitalisation expenses and 90 post-hospitalisation expenses

Key Things to Know About the Plan

Before you buy this policy, keep the following points in mind:

• No capping on the room rent, so you can choose any room in the hospital.
• Entry age from 5 years to 65 years for adults
• Children from 91 days to 5 years can be covered along with either of their parents
• The policy is available for 1 year, 2 years and 3 years
• The sum insured ranges between Rs. 5 Lakh to Rs. 100 Lakh
• Optional cover: Hospital Cash Allowance, Maternity and newborn baby cover and Critical Illness Cover
• Vaccination expenses in case of animal bites

3. SmartHealth Critical Illness

SmartHealth Critical Illness Insurance is among the best-selling critical illness insurance policies in India. A simple and comprehensive product, it provides coverage for all medical expenses incurred for the treatment of specified critical illness. The policy covers as many as 20 critical illnesses, including Major Burns, Kidney Failure, Stroke, Cancer, Coma, and Coronary Artery Bypass Surgery.

SmartHealth Critical Illness Insurance is available in two sections, Section I and Section II. Under Section I option, medical expense coverage or reimbursement benefit is available up to the sum insured. In Section II, a lump sum amount (up to the sum insured) is paid to the policyholder.

Key Inclusions Under The Policy

• Pre-hospitalization & post-hospitalization 100% of sum insured
• In-patient physiotherapy charges: 2% of the sum insured
• Cover for accompanying person expenses: Rs. 250 for 10 days after the first three days
• Cover for domiciliary hospitalisation expenses
• Expenses incurred on all daycare procedures
• Cover for inpatient hospitalisation
• Additional benefits like home nursing, hospital cash allowance, ambulance charges, children education benefit,  recovery grant, carriage of mortal remains, etc.

Key Things to Know About the Plan

Below are the key things you should know before choosing this plan:

• The cover is only available for residents of India
• The age limit is between 3 months and 55 years at the time of entry
• Dependent children up to 23 years old are covered with one of the parents
• The policy is available on both, individual and family floater basis
• No health check-up up to 45 years or below
• Covers up to 4 family members (self, spouse and 2 dependent children)
• The sum insured starts from Rs. 2 Lakh to Rs. 5 Lakh

Bottom Line

The bottom line is that it is always good to compare different health insurance policies before choosing one. Though the above health insurance plans of Bharti AXA are good, not all the three are suitable for you. For example, a critical illness policy can only be beneficial when the chances of getting diagnosed with critical diseases are higher. So, before finalizing any plan, know all the positive and negative aspects of that particular part. It’s better to take help from our insurance experts.

Also Read 

Why Bharti AXA is The Choice You Need to Make.

4 Popular Women Health Insurance Plans of 2020 You can Buy Online