Bharti AXA is a general insurance company that offers a range of insurance products for its customers. In the health insurance domain, the company offers multiple insurance products for people with different requirements. Bharti AXA Smart Health Insurance Policy is a comprehensive health insurance cover that provides protection against a range of medical expenses. This policy can be availed as an individual cover as well as a family floater cover depending upon one’s requirements.
The following eligibility criteria applies to policyholders who wish to take Bharti AXA Smart Health Insurance Policy:
Some of the notable features of Bharti AXA Smart Health Insurance Policy can be listed as follows:
The benefits available under Bharti AXA Smart Health Insurance Policy can be given as follows:
|Benefits||Extent of Coverage|
|Inpatient hospitalisation expenses||Covered up to the sum insured limit|
|Day care treatment||Covered up to the sum insured limit|
|Domiciliary hospitalisation||Up to 10% of the sum insured limit for situations in which the patient cannot be removed to the hospital|
|Renewal discount (no claim bonus)||5% of additional sum insured amount for every claim free year subject to a maximum of 25%|
|Health checkup||Up to 1% of the sum insured amount once every 4 claim-free years|
|Inpatient physiotherapy||Up to 1% of the sum insured amount|
|Accompanying person expenses||Rs.250 for up to 5 days (after a 3-day deductible)|
|Dread disease recuperation benefit against critical illness||Rs.200 to Rs.300 per day based on the sum insured amount chosen|
|Critical illness coverage (optional)||Additional 100% of the chosen sum insured amount available for reimbursement against hospitalisation expenses|
|Hospital cash allowance (optional)||Rs.250 to Rs.350 per day based on the sum insured amount chosen|
Some of the notable exclusions of this policy can be listed as follows:
Cashless treatment can be availed in the 4,500+ network hospitals located in different parts of the country. You can check the company website to know the network hospital located near your place of residence. The company claims to approve pre authorisation requests within 6 hours of emergency hospitalisation and 48 hours of planned hospitalisation. Once the cashless treatment request is authorisation, the company will compensate the network hospital directly for the medical expenses incurred.
Reimbursement claims must be initiated within 7 days after discharge from the hospital. The company will require the insured to file various documents and proofs related to the hospitalisation. This may include medical bills, physician certificate, diagnostic reports, discharge summary, etc. These documents must be filed within 30 days from the date of discharge. The company will provide its response regarding the acceptance or rejection of the claim within a maximum of 30 days. Rejection of claims will be accompanied by a suitable reason. If the claim is accepted, the company will provide the settlement amount within a maximum of 7 days.
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