Bharti AXA Critical Illness Insurance Plan

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Introduction –

Bharti AXA Critical Illness Insurance Policy covers you with a protection of fixed sum assured that you can use against 20 most important critical illnesses. In case of critical illness it helps the insured person to bear the high cost of treatment and make you financially stable in these critical situations.

Key Features–

  • It gives you a coverage against 20 most critical illness –


First Heart Attack

Coronary Artery Disease

Heart Valve Surgery

Surgery to Aorta


Coronary artery bypass surgery

Kidney failure

Aplastic amenia

End stage lung disease

End stage lever disease


Major burns

Major organ/bone marrow transplantation

Multiple sclerosis

Fulminant hepatitis

Motor neuron disease

Primary pulmonary hypertension

Terminal illness

Bacterial meningitis



  • No medical check-up is required upto an age of 45 years.
  • You can renew this policy for lifetime.
  • This policy provides you 24*7 Assistance and you can claim settlement anytime.
  • 5% renewal discount every year maximum up to 25% on a progressive scale.
  • The premium paid is exempt from Income Tax under Sec 80 D of Income Tax act.

Policy Details –

Sum Assured – A person can choose from 3 different options – 2 lac, 3 lac, 5 lac.

Coverage type – Individual as well as family.

Age limits – Any person upto an age of 55 years can take this policy. Children from 90 days upto an age of 5 years can take this policy only if one of their parents has this policy.

Health Check-Up – No Health check-up is required up to an age of 45 years in case the person have no health problems in past.

Grace Period – A time span of 15 days is given to deposit for the payment of premium.

Free Look Period – If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Policy termination: Policyholder is allowed to terminate the policy at any-time by giving a 15 day written notice. If no claim has been made under the policy, the insurance company will refund the percentage of premium.

Portability: If you are insured under any other health insurance policy of Non-life insurer you can transfer to Bharti AXA Critical Illness Insurance Policywith all your accrued benefits after due allowances for waiting periods.

Exclusions –

  • No benefit will be provided upto a period of 60 days from the start of the policy.
  • Pre- Existing disease, related conditions & complications will not be the part of the policy terms.
  • Attempted suicide will not be covered under this policy.
  • Sexually transmitted conditions, mental or nervous disorder, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection.
  • Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed.

Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.