Bharti Axa Triple Health Insurance Plan

• Reduce taxable income by up to Rs. 1,50,000 deduction under section 80C**
• Convenient payment options - annual, half-yearly, quarterly or monthly premium payments
• Do more with plans that offer pure protection, retirement planning and investment options

Increasing healthcare costs is a growing concern for families of today. To combat this situation, a health care plan is an imperative. Bharti AXA Life Triple Health Insurance Plan is a health insurance product offered by Bharti AXA Life which allows you multiple critical illness claims. The plan comes with a higher sum assured to help you meet your unexpected health care needs.

Eligibility - Who is the Bharti AXA Life Triple Health Insurance for?

You have to meet the following conditions to be eligible for Bharti AXA Life Triple Health Insurance plan:

Sum Assured and Premium Range - What you get and what it costs?

The policy allow you a maximum of 3 claims based on the groups of critical illnesses you have chosen at the time of joining. It divides 13 critical illnesses into three groups, Group A, Group B, and Group C.

Given below are the details of the critical illnesses covered under each group. Policyholders are eligible for a full claim amount each time, irrespective of whether the illness comes under Group A, Group B, or Group C.

Plan Coverage - What the Bharti AXA Life Triple Health Insurance covers?

If the policyholder encounters the critical illnesses as specified in the policy documents anytime during the policy term, he/she will be eligible for 100% of the sum assured offered under the policy. The maximum number of claims a person can make is three. Here’s how the policy works:

• The policyholder will be required to choose the sum assured at the time of policy inception.
• They will have to pay policy premiums as per the mode of payment chosen, for a period of 15 years.
• The life insured will be covered for 13 critical illnesses specified in three different groups namely, Group A, Group B, and Group C.
• You can make your first claim after a waiting period of just 90 days.
• Once you have made a claim under one group, you will not be allowed to make claims under the same group again.
• All future premium payments will be waived off after your first claim. However, the cover continues for critical illnesses.
• The minimum survival period post each claim is 30 days.

Refer to the below table to understand more about the policy payouts.

Exclusions - What the Bharti AXA Life Triple Health Insurance doesn’t cover?

• None of the benefits mentioned under the policy shall be payable for a period of 48 months for treatment of pre-existing conditions.
• AIDS and HIV related conditions are not covered under the plan.
• Self-harm, suicide, immorality, and deliberate participation in a criminal act causing a critical condition.
• Health issues arising from alcohol and drug abuse.
• Injuries and diseases contracted from war and war like situations.
• Radioactive contamination related to a nuclear incident.
• Injuries and health issues arising from sporting activities such as scuba-diving, bungee jumping, skydiving, para gliding, etc.
• Critical illnesses occurred within 90 days from the commencement of cover.
• Congenial conditions.

Other Key Features – Free Look Period, Surrender Values, Premium Waiver, etc.

Tax Benefits – How you can save with the Bharti AXA Life Triple Health Insurance Plan?

Policyholders can avail tax benefits under Section 80D of the Income Tax Act, 1961. The tax laws are subjected to change from time-to-time and therefore, customers are advised to consult a tax advisor before purchasing the plan.

Other Benefits – How you can save with the Bharti AXA Life Triple Health Insurance Plan?

You can pay your premiums online through the Bharti AXA website without any registration. Payments can be made through the following channels:

Why you should buy the Bharti AXA Life Triple Health Insurance Plan from Bharti AXA?

Bharti AXA Life Insurance is a joint venture between Bharti and AXA with 74% stakes from Bharti and the remaining by AXA. Ever since the launch, the company has expanded its distribution network to cater to the specific needs of customers. The company offers cashless hospitalization facility to customers through its 4300 + network hospitals. Customers can use the hospital locator facility of the insurer to find the nearest network hospital.