Bharti AXA Critical Illness Plans

Bharti AXA’s Smart Health Critical Illness policy is a blessing for people who don’t want to spend their life savings in treating critical illnesses. If you also want to buy this Bharti AXA Critical Illness policy then you can read the information given below to understand the policy benefits better.

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Bharti AXA Critical Illness Plans

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    This critical illness plan covers Indian people within the age group of 3 years to 55 years. In this health insurance plan, children who are between the age group of 90 days and 5 years can also be insured if their parents are covered as well. The policy benefits and sum insured are available on both the individual and family floater basis.

    Bharti AXA Health Insurance at a Glance



    Network Hospitals


    Incurred Claims Ratio ( as per the IRDAI 2018-19 Report)


    No. of Claims Settled 

    18 lakh+

    Number of Policies Issues

    1.3 million



    Two Sections in the Bharti AXA Critical illness Policy

    Bharti AXA Smart health critical illness policy comes in two sections:

    Section I- In this Bharti AXA General Insurance Company in their Smart health critical illness plan provides reimbursement of medical expenses after diagnosis of a critical illness.

    Section II- In this Bharti AXA critical illness plan offers lump sum benefit up to the sum insured limit after the disease is diagnosed. The financial compensation is provided irrespective of the hospitalization expenses. As a policyholder you can choose the benefit under Section I and Section II. The sum insured amount ranges from Rs 2 Lakh to Rs 5 Lakh.

    What Bharti AXA Smart Health Insurance Policy has to offer?

    We all know that investing in a Critical illness policy is crucial in today’s time. And Bharti AXA Smart Health Critical Illness plan is no exception. This critical illness plan takes care of your financial requirements and lifelong savings. It is a combination of superior features as given below:

    • As per the Bharti AXA Critical illness brochure you can get a No-claim-bonus of 5%-25% for every claim-free year
    • Third-Party Administrator (TPA) will provide a cashless hospitalization facility in a network hospital
    • The insurer also providers a free look period of 15 days starting from the policy commencement date
    • The policy offers critical illness cover for 20 medical conditions that are mentioned later on this page
    • You can avail of tax benefits on the premium paid under the Section 80D of the Income tax Act

    What critical illnesses are covered under Bharti AXA Smart Health Insurance Plan?

    In this critical illness health insurance policy by Bharti AXA General Insurance Company you can file a claim for the following life-threatening diseases that require expensive treatment:

    In this health plan you can file a claim for hospitalization and medical expenses for the following twenty listed illnesses:

    • Cancer
    • Coronary artery bypass surgery
    • Coronary artery disease
    • Stroke
    • Bacterial meningitis
    • Heart valve surgery
    • Surgery to aorta
    • First heart attack
    • Liver failure (end stage)
    • Kidney failure ( end stage)
    • Aplastic anaemia
    • Lung disease ( end stage)
    • Major burns
    • Coma
    • Terminal illness
    • Motor neuron disease
    • Organ/bone marrow transplantation
    • Fulminant hepatitis
    • Primary pulmonary hypertension
    • Multiple sclerosis

    Standard Benefits/Expenses:

    • Pre-hospitalization expenses
    • Post-hospitalization expenses
    • Hospitalization expenses
    • Home nursing expenses
    • Organ Transplantation
    • Hospital daily cash allowance
    • Ambulance charges
    • In-patient physiotherapy charges
    • Dread disease recuperation
    • Recovery grant
    • Children’s education fund
    • Accompanying person's expenses
    • Mortal remains

    If you have been looking for a health plan that covers these 20 critical illnesses then Bharti AXA Smart Health Critical Illness is what you need. When it comes to buying the policy online you can opt for the online mode so that there is transparency and seek help from our online customer care team.

    Furthermore, Policybazaar provides the right platform for you to purchase this policy that offers great portability, extensive features, and claim settlement support, and timely addressing to your queries to ensure that you have a seamless experience.

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