Bharti AXA Smart Health High Deductibles Insurance Policy

Bharti AXA Smart Health High Deductibles Insurance Policy acts as a top-up cover for any of your existing health insurance policy. It offers extended coverage for hospitalisation expenses incurred for treatment of disease, illness and injury after applying the deductible which you have opted for.

• Hospitalisation benefit
  Get coverage for hospitalisation expenses including doctor fees, room charges, expenses towards surgery and medicine costs, incurred for treatment of disease, illness or injury. The payment or reimbursement is subject to applying the deductibles agreed for.
• Pre and post hospitalisation expenses
  Get reimbursement for medical expenses related to disease or injury, requiring hospitalization for a period of 30 days prior to hospitalisation and for a period of 60 days post hospitalisation
• Pre-existing diseases
  Get coverage for pre-existing diseases, illness or injury, after 4 continuous renewals with Bharti AXA Health Insurance.
• Transplantation of organs
  Get coverage for hospitalisation expenses incurred towards donor in case of major organ transplantation
• Ambulance charges
  Get coverage for ambulance charges in case of medical Emergency.
• In-patient physiotherapy charges
  Provides for reimbursement of charges incurred towards physiotherapy in the hospital for the treatment of the disease, illness or injury.
• Accompanying person’s expenses
  Get allowance towards expenses incurred on the accompanying person at the hospital.

Renewal discount
Get Renewal discount of 5% on premium every year at the time of renewal for every claim-free year. The renewal discount on a progressive scale will be allowed upto 25%.

Income tax benefit
Get income tax benefits on premium paid under the policy under Sec. 80 D of the Income Tax Act.

Eligibility
The policy is applicable for persons between age group of 5 years to 70 years. However, children below the age of 5 years can be covered if any one of the parent is also concurrently covered. The policy can be issued to cover you, your spouse and two dependent children upto the age of 23 years.