Bharti AXA Smart Health Essential Insurance

The amount of expenses due to hospitalization is not so small. So being assured for getting the expenditures in hospital on regular basis is a smart option. In spite of physical problem and getting hospitalized, you can stay at ease to think that your family will not face a financial dilemma at least.
Bharti AXA Hospital Cash Benefit Rider is the rider introduced by this insurance service provider, which is committed to provide non-linked daily pay hospital and surgery cash. That means you will get a fixed amount for hospitalization and surgery on daily basis.

• ✔The benefit of fixed amount of cash is payable to the policy holders in case of hospitalization. The amount of cash is not linked to the expenses occurred in hospital, it is fixed.
• ✔In case of treatment in Intensive care Unit, the fixed daily amount becomes the double of the normal daily cash allowance.
• ✔If you have to be hospitalized due to any medically necessary surgery, a lump sum will be provided. In case of multiple valid surgeries are planned to be happened within a single hospital admission, the highest benefit will be paid to the insured.
• ✔You can get tax benefits while paying premiums under section 80D of Income Tax Act. This benefit is subject to alter in case of alteration in Tax Laws

There are three variants of this policy and so you have different options to choose from. The variants are basic, premium and optimum. The reimbursement procedure and insured sum will depend upon your chosen type of policy. Take a look on the scope of coverage that you will experience with the types of policy.There are three variants of this policy and so you have different options to choose from. The variants are basic, premium and optimum. The reimbursement procedure and insured sum will depend upon your chosen type of policy. Take a look on the scope of coverage that you will experience with the types of policy.

Plan	Entry age (In year)	Sum insured	Max number of members
Basic	2 (children individual plan), 3-23 (children in floater plan), 65 (adults for sum insured 200,000), 55 (for sum insured above 200,000)	Rs.200,000, 300,000 and 500,000	2 Adults and2 Children
Premium	Above 2 (children individual), 3-23 (children in floater), up to 55 (adults)	Rs.300,000	2 Adults and2 Children
Optimum	Above 2 (children individual), 3-23 (children in floater), up to 45 (adults)	Rs.400,000 and 500,000	2 Adults and2 Children

• ✔This policy covers some critical illnesses such as cancer, kidney failure, stroke, first heart attack, bypass surgery etc.
• ✔Insurers provide lump sum for recovery from dread disease.
• ✔Hospital cash allowance is obtainable in this policy.
• ✔A claim can be settled within 21 days from submission of all important documents.

Various benefits are given in this policy. Occurrence that are provided by the insurer, are given below in detail.

Benefits	Coverage
Room rent during hospitalization	Room rent Rs.2,000, 3,000 and 4,500 for ICU/ day (for sum insured 200,000 and 300,000)
Pre hospitalization expenses	30 days (in Basic plan), 45 days (Premium), 60 days (Optimum)>
Post hospitalization expenditures	60 days (basic), 60 days (premium), 90 days (optimum)
Domiciliary hospitalization	Rs.200 and 500/ day in Premium and Optimum respectively (hospitalization more than 10 days)
Ambulance charges	Up to Rs.1,500 (Basic), up to Rs.2,000 (Premium), up to Rs.2,500 (Optimum)
Daily cash allowance	In more than 3 days of hospitalization
Critical illnesses	Reimbursement of 200,000 (Basic), Additional lump sum is provided (Optimum)
Benefit to organ donor in major organ transplantation	Provide Rs.30,000 and 50,000 of additional coverage according to sum insured (Basic)

Apart from these, this policy also offers emergency treatment due to accident, accommodation of parents because of children’s hospitalization, transportation of mortal remains and many more facilities.

• ✔5% cumulative bonus for each claim free year
• ✔Free of cost health check up after 4 claim free years
• ✔Tax benefit under section 80D

• ✔Pre-existing illnesses after 4 years of policy
• ✔Pregnancy and childbirth
• ✔Self-injury, mental disorder, anxiety, depression or stress
• ✔HIV AIDS and related complications
• ✔Diseases within first 30 days of policy and first 60 days in case of critical ailment

Sum Insured = Rs 5 lakh
Age (in years)	Deductible (in Rs)
	1 lakh	1 lakh	3 lakh
91 days- 35	1999	1049	899
36-45	2750	1500	1400
46-60	4813	2925	2170
61-75	10106	5704	3472
76 and above	24053	14254	9090

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