Bharti AXA Arogya Sanjeevani Policy

Eligibility Criteria

Key Features of Bharti AXA Arogya Sanjeevani Policy

The features and benefits of the Bharti AXA Arogya Sanjeevani Policy are given below:

• Anyone in the age group of 91 days to 65 years can be insured under this health insurance health plan
• Children between 91 days and 25 years can be covered if either of the parent is also covered
• The coverage is provided to the self, spouse, children, parents, and in-laws
• The policy durations is 1 year and can be renewed thereafter

Inclusions of Bharti AXA Arogya Sanjeevani Policy

The inclusions and the coverage benefits under the Bharti AXA Arogya Sanjeevani Policy are given below:

• The insurer pays for hospital room rent charges, Boarding charges, pre and post hospitalization expenses for 30 days and 60 days respectively
• ICU and ICCU expenses can be claimed and the maximum limit is 5% of the sum insured per day and up to a maximum of Rs.10,000
• The fees charged by the Surgeon, Doctor, Surgeon, Consultants is paid directly to the hospital.
• Cataract treatment expenses are covered subjected to sub limits i.e. 25% of the sum insured or up to Rs 40,000
• Plastic surgery/Dental treatment expenses required in case of disease or injury
• All the day care expenses are payable under this policy
• Road ambulance charges are covered up to Rs 2000 for each hospitalization
• The policyholder can claim for Ayush treatment expenses incurred on homeopathy, Ayurveda, Unani, Siddha, and Naturopathy treatment

Modern Treatments Covered

The following daycare treatments or in-patient treatments are covered up to 50% of Sum Insured. The list is given below:

• Balloon Sinuplasty
• Vaporization of the prostrate
• Uterine Artery Embolization and HIFU
• Deep Brain stimulation  
• Oral chemotherapy
• Immunotherapy
• Stereotactic radio surgeries
• Robotic surgeries
• ION M - (Intra Operative Neuro Monitoring)
• lntra vitreal injections
• Bronchial Thermoplasty
• Stem cell therapy

Exclusions of Bharti AXA Arogya Sanjeevani Policy

The list of exclusions for which you cannot file a claim are given below:

• Any pre-existing before the completion of the waiting period of 48-months shall not be covered
• Any illness that has occurred during the initial 30 days of the policy commencement
• Rest Cure, rehabilitation and respite care are excluded
• Cosmetic or plastic surgeries are not covered under this Arogya Sanjeevani policy
• Obesity/weight control treatment is excluded as well

Yes, the policy covers oral chemotherapy expenses and other modern treatments as well.

FAQs