Today, the skyscraping expenses of medical issues are becoming the most important matter of concern for all people. Therefore being insured is a good decision for your health as well as for your financial support.As the critical illnesses are spreading in all groups of ages, they should be covered under a health insurance policy. Bharti AXA Triple Health Insurance plan is designed to cover few listed critical ailments from which you can make claim for up to 3.
In case of critical illnesses which are listed under this policy, you can get 100% of the sum insured within the long policy term of 15 years. The lump sum amount is payable to you in such a critical condition.You can make more two claims to cover a critical ailment after you have already made the first claim. In some listed critical illnesses only you are eligible to get this facility under this plan.In case of any critical illness, 100% of sum insured is payable in first claim as well as future premium amounts are waived off towards the policy.The listed 13 critical illnesses are divided into three groups. Therefore in case of second claim, you can only get 100% of the sum insured if it is not listed under the same group of the previous illness. Same is applicable in case of third claim.You can also avail tax benefits under section 80D while you have to pay the premium amounts. In case of any change in Tax Laws, the tax benefits are subject to alter.
|Group A||Group B||Group C|
|First heart attack||Coma||Cancer|
|Heart valve surgery||Multiple sclerosis||Benign brain tumor|
|Coronary artery bypass surgery||Major organ transplant (Liver or Lung)||Major organ transplant (Bone marrow)|
|Renal kidney failure|
|Major organ transplant|
|Major organ transplant (Kidney or Heart)|
- ✔The amounts of premiums remain unbothered for the first three years of policy.
- ✔There are two options to choose from, With Return of Premium and Without Return of Premium. If you opt for the first, you will get surrender value. Maturity and death benefit is also obtainable with this option.
- ✔The flexibility in sum insured is another convenient feature of this policy.
|Sum insured||Entry Age||Premium amount (Male)||Premium amount (Female)|
- ✔Pre-existing diseases are not allowed to cover while issuing the policy.
- ✔If a critical condition will incur within the first 90 days of the policy, you will not get first claim.
- ✔The second and third claims are not payable within no benefit period of 365 days from the diagnosis of first critical illness.
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