Bharti AXA Health Insurance for Family

Key Benefits of Bharti AXA Health Insurance for Family

Take a look at the key benefits of buying a Bharti AXA Health Insurance plan for a family:

A variety of sum insured options ranging from Rs 2 lakh to Rs 3 crore.
No pre-policy medical check-up for up to 45 years
An array of wellness and value-added services is also available.
Cumulative bonus awarded up to 100% if no claims are raised
Cost of availing health check-up facilities covered
Restore benefit up to 100% in case of the sum insured exhaustion
5% & 10% discount on choosing a 2-year or 3-year policy tenure
5% discount if the policy is bought online on the insurance company’s website
5% zonal co-payment if treatment availed in higher geographical zones
Health insurance premium qualifies for tax deductions under Sec 80D of the IT Act

Check out the various Bharti AXA Health Insurance plans for a family in the table below:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Bharti AXA Health AdvantEDGE Plan	Prime – 2 lakh, 3 lakh, 4 lakh Royal – 5 lakh to 50 lakh Apex – 75 lakh to 3 crore	2 years	View Plan
Bharti AXA Smart Health Insurance Plan	Basic – 50,000 to 5 lakh Premium – 1 lakh to 5 lakh Optimum – 1 lakh to 5 lakh	4 years	View Plan
Bharti AXA Smart Super Health Insurance Plan	Value – 5 lakh, 7.5 lakh Classic – 10 lakh, 15 lakh, 20 lakh Uber – 20 lakh to 1 crore	4 years	View Plan
Bharti AXA Smart Super Health Assure Plan	1 lakh to 4 lakh	4 years	View Plan

The table below represents the eligibility criteria to buy a Bharti AXA Health Insurance plan for a family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days
Maximum Entry Age	65 years	23 years
No of Family Members Covered	Self, spouse, dependent children
Renewability	Lifelong

Following are the inclusions under Bharti AXA Health Insurance plans for a family:

Kindly note that the coverage and the optional covers may vary from one Bharti AXA Health Insurance plan to another.

The various exclusions under the Bharti AXA Health Insurance for family are mentioned below:

The entire list of exclusions can be availed by referring to the policy documents.

Q1. What are the various waiting periods under the Bharti AXA Health Insurance for family?
Ans: The following are the waiting periods applicable under the Bharti AXA Health Insurance plans for a family:
- Pre-existing Diseases Waiting Period – 24/48 months
- Named Illness Waiting Period – 24 months
- Initial Waiting Period – 30 days
- Critical Illness Waiting Period – 60/90 days
- Bariatric Treatment – 36 months
Q2. When can I increase the sum insured for my Bharti AXA Health Insurance for family?

Ans: You can increase the sum insured for your Bharti AXA Health Insurance for a family at the time of policy renewal.
Q3. What is the maximum discount I can avail under the Bharti AXA Health Insurance for family?

Ans: You can avail a maximum discount of 45% under the Bharti AXA Health AdvantEDGE plan. The other Bharti AXA family health insurance plans do not come with an upper limit for total discount.