Bharti AXA Health Insurance for Senior Citizens

Bharti AXA Health Insurance for senior citizens is designed for elderly people seeking medical coverage. The Smart Super Health Insurance policy by Bharti AXA General Insurance Company provides extensive coverage to senior citizens and is available in three variants – Value, Classic and Uber.

Key Benefits of Bharti AXA Health Insurance for Senior Citizens

Given below are the key benefits of Bharti AXA Health Insurance for elderly parents:

Wide range of sum insured starting from Rs 5 lakh to Rs 1 crore
Both individual and family floater coverage available
COVID-19 hospitalization expenses covered
Annual health check-up facility available
Cashless hospitalization services available at more than 4500 network hospitals
No pre-policy medical check-up required up to 45 years
No Claim Bonus for every claim-free year
5% discount for a 2-year tenure and 10% long-term policy discount for a 3-year policy tenure
100% restoration of the sum insured once a year
10% discount for Zone 2 and 15% discount for applicants of Zone 3
Tax deductions under Section 80D, Income Tax Act 1961

*Tax benefit is subject to changes in tax laws

Bharti AXA Health Insurance Plans for Senior Citizens

Check out the various types of Bharti AXA Health Insurance plans for senior citizens:

Bharti AXA Health Insurance Plans for Senior Citizens	Sum Insured (Rs)	Co-Payment	Key Features
Bharti AXA Smart Super Value Health Insurance Policy	5 lakh, 7.5 lakh	NA	In-patient treatment· Emergency surface ambulance charges Organ donor AYUSH treatment Domiciliary hospitalization
Bharti AXA Smart Super Classic Health Insurance Policy	1 lakh, 1.5 lakh, 2 lakh	NA	Pre-post hospitalization expenses Emergency surface ambulance charges Day care treatment Convalescence benefit Outpatient emergency treatment
Bharti AXA Smart Super Uber Health Insurance Policy	20 lakh to 1 crore	NA	Hospitalization expenses AYUSH treatment Outpatient dental emergency Convalescence benefit Domestic air ambulance

Eligibility Criteria for Bharti AXA Health Insurance for Senior Citizens

The table below shows the eligibility criteria for parents to apply for the Bharti AXA Health Insurance plan for senior citizens:

Categories	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Children – 91 days
Maximum Entry Age	Adult - 65 years Children – 23 years
Number of Family Members Covered	5
Family Members Covered	Self, spouse and Up to 3 dependent children
Renewability	Lifelong

Inclusions of Bharti AXA Health Insurance for Senior Citizens

Bharti AXA Health Insurance for senior citizens provides the following coverage:

In-patient Treatment
Pre-hospitalization Expenses
Post-hospitalization Expenses
Organ Donor Expenses
Day Care Treatment
AYUSH Treatment
Domiciliary Hospitalization
Emergency Surface Ambulance Charges
Convalescence Benefit
Outpatient Emergency Treatment
Animal Bite (Vaccination)
Domestic Air Ambulance
Outpatient Dental Emergency

Optional Covers:

Critical Illness Cover
Hospital Cash Allowance
Maternity Benefit with Newborn Baby Cover

Exclusions of Bharti AXA Health Insurance for Senior Citizens

The following coverage is excluded under the Bharti AXA Health Insurance for senior citizens:

Treatment taken outside India
Cost of dietary supplements & substances without a prescription
Obesity/ weight control procedures
Treatment for alcohol addiction
Cosmetic or plastic surgery
Unproven treatment

FAQs

Q1. What is the sum insured for critical illness add-on cover under Bharti AXA Health Insurance for senior citizens?

Ans: The critical illness add-on cover of Bharti AXA Smart Super Health Insurance comes with a sum insured ranging from Rs 2 lakh to Rs 30 lakh.
Q2. How can I check the premium for Bharti AXA Health Insurance for senior citizens?

Ans: You can check the premium chart for Bharti AXA Smart Super Health Insurance plan on the insurer’s website or use a health insurance premium calculator at Policybazaar.com
Q3. Which waiting periods apply to Bharti AXA Health Insurance for senior citizens?
Ans: The following waiting periods apply to the Bharti AXA Smart Super Health Insurance policy:
- Pre-existing Diseases Waiting Period – 48 months
- Specific Diseases Waiting Period – 24 months
- Initial Waiting Period – 30 days
- Maternity Expenses Waiting Period – 9 months
- Critical Illness Waiting Period – 60 days with 30 days survival period
- Internal Congenital Anomalies Waiting Period – 48 months
- Genetic Disorders Waiting Period – 48 months