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Bharti AXA (now ICICI Lombard) Health Insurance for Senior Citizen

Smart Super Health Insurance Plan by Bharti AXA, offers cover for Senior Citizens with the best possible medical treatment, procedures and medications. In the old age, health issues hover around you, which ultimately impact your financial condition as well. Hence, a health insurance plan like Smart Super Health Insurance Plan will control their expenses, empower them, and help them become independent too. The plan is available in individual and family floater basis in three variants.

Key Features

  • Sum insured ranges from Rs. 5 Lakh to Rs. 1 Crore
  • The entry age for the plan is 18 years to 65 years
  • Pre and post hospitalisation for 60 and 90 days
  • Out-patient emergency treatment for accidents
  • No claim bonus is provided under the insurance policy
  • No capping is there for room rent in the hospital
  • 100% restoration of the sum insured is available
  • The insured individuals can gain tax benefits up to Rs 55,000

Scope of Coverage

  • The coverage for an annual health check-up is offered
  • Coverage for organ donor is available up to the sum insured
  • The provision for domestic air ambulance is available
  • Emergency surface ambulance charges of Rs 3,000 per event
  • The lump sum amount is given on the diagnosis of any critical illness
  • Daycare treatment is covered up to the sum insured limit
  • Ayush treatment coverage, such as Ayurveda, Homeopathy, Siddha, etc.
  • Domiciliary hospitalisation is offered up to the sum insured

Eligibility

The entry age for Smart Super Health Insurance Plan is between 18 years and 65 years.

Exclusions

  • HIV positive, AIDS or sexually transmitted ailment’s treatment
  • Injuries or diseases occurred due to warlike operations, invasion, riots, etc.
  • Treatment of disease or injury due to alcohol or drug abuse or addiction
  • The treatment of any condition of nervous disorders, anxiety, stress or depression
  • Cosmetic or plastic surgery expense, except due to an accidental injury

To know more about this health insurance policy, download its brochure or policy wording from insurancedekho.com. For additional clarification, get in touch with our customer support team at - 1800-1205-698.

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FAQs

  • Who should buy Bharti AXA senior citizen health insurance plan?

    Senior citizens who require adequate health insurance coverage for the later years in their lives, at affordable premium, should be covered under Bharti AXA senior citizen health insurance plan.

  • Can I change the sum insured during Bharti AXA senior citizen health insurance tenure?

    Yes. You can change the sum insured of your Bharti AXA senior citizen health insurance plan at the time of policy renewal if the insurer has the option to do so. Kindly note that if you enhance the sum insured of the plan, then you will be required to pay a higher premium.

  • What is the advantage of Bharti AXA senior citizen health insurance?

    Bharti AXA senior citizen health insurance comes with several advantages that the policyholders can enjoy. Some of these include a variety of sum insured options between Rs. 5 Lakh and Rs. 1 crore, No Claim Bonus in case of claim-free year, no cappin for room rent in hospital, 100% restoration if the sum insured gets exhausted, etc.

  • What does the Bharti AXA senior citizen health insurance plan cover?

    Bharti AXA senior citizen health insurance plan covers senior citizens for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, treatments taken under AYUSH systems of medicines, emergency ambulance expenses, organ donor expenses, daycare treatments, lump sum amount in case a critical illness is diagnosed, etc.

  • Does Bharti AXA senior citizen health insurance policy offer tax deductions?

    Yes. Bharti AXA health insurance plan offers tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961. Kindly note that the premium can be availed if it is paid in any mode other than cash.

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