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.

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Bharti AXA Health Insurance for Senior Citizens

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    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


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