Bharti AXA Health Insurance Super Top Plans

Bharti AXA Health Super top-up policy offers higher sum insured options up to Rs 100 lakh. For instance, if you buy a Bharti AXA super top-up plan of Rs 15 lakh and the deductible is Rs 3 lakh, and the hospital bill comes out to be Rs 10 lakh then the insurance company will pay off the amount over and above Rs 3 lakh i.e. Rs 7 lakh.

Bharti AXA Health Super Top-up Eligibility Criteria

Criteria	Specifications
Minimum Entry age	Adult: 18 years Child: 1 day (floater) Individual: 5 years
Maximum Entry Age	Adult: No age limit Children: 24 years
Sum Insured	Rs 3 lakh to Rs 100 lakh
Plan Variants	Value/Classic/Uber
Deductible in Enhance 1	Rs 1 lakh- Rs 10 lakh
Deductible in Enhance 1	Rs 5 lakh- Rs 20 lakh
Renewability	Lifelong
Waiting period for Pre-Existing Diseases	48 months

Key Benefits of Bharti AXA Super Top-up Policy

Check out the features and benefits of this BHARTI AXA Super top-up plan as given below:

There are no sub-limits to room rent, doctor's fees, etc., as per policy conditions
1,2 and 3 year policy period options are available
Cashless facility is available at more than 4500+ network hospitals
Waiting periods for specific pre-existing diseases are limited to 60 days, 90 days, 2 years, 3 years and 4 years. For a specific list of waiting periods, please refer to the Bharti AXA Smart Super Top-up Policy Terms and Conditions
394 day care procedures/ surgeries covered up to the Sum Insured
Hospital Daily Cash benefit is provided up to specified limits
Bharti AXA Health Insurance Claim settlement ratio is 92.37%
The policyholder can claim Income Tax benefits for the premium paid under the Section 80D

Inclusions of Bharti AXA Super Top-up Policy

Bharti AXA Smart Super Top-up health insurance plan covers the following expenses:

All pre-existing diseases included after the first 48 months of Policy.
In-patient treatment covered, including doctor’s fees, fees for the surgeon, specialist, anaesthetist, ICU charges, room rent, etc., are covered.
Ambulance charges, including air ambulance charges are covered
Organ donor’s medical expenses are compensated as well
Pre & post hospitalization expenses covered up to the sum Insured
AYUSH Treatment/Dental treatment/Home Nursing expenses are covered
Critical illness cover is provided with 60 days waiting period and 30 days survival period
Maternity benefit is available with a short waiting period of 9-months
Emergency Hospitalization Cover (Worldwide Basis)
Convalescence Benefit in the form of a fixed sum upon hospitalization of 10 days or more

Prospective policyholders should use the Bharti AXA Health Super Top-up Premium Chart to establish the amount of premium payable. You can also refer to Bharti AXA Health Top-up Plan Brochure for details.

Exclusions of Bharti AXA Super Top-up Policy

Bharti AXA Smart Super Top-up Health Insurance plan does not cover the following expenses:

Genetic disorders, congenital external diseases, anomalies or defects
Growth hormone therapy or stem cell therapy
Venereal disease, sexually transmitted disease or illness
Dental treatment that does not require hospitalization
Crutches, artificial limbs, or other external appliances

*For the complete list of exclusions, please refer to the Bharti AXA Smart Super Top-up Policy Terms and Conditions

FAQs

Q1. Why buy Bharti AXA Health Super Top-up Policy?

Ans: Bharti AXA Health Super Top-up policy is a deductible health insurance policy. In addition to providing additional cover over the threshold limit, this policy comes with significant coverage benefits including critical illness with sum insured options starting from Rs 3 lakh to Rs 100 lakh. As the years go by, this policy provides many incremental benefits to the policyholder on renewal of the policy. The coverage is provided on an individual as well as on a family floater basis.
Q2. What is the minimum and maximum entry age criteria for Bharti AXA Super top-up medical insurance policy?

Ans: The Minimum Entry Age for individual policy is 18 years and for Family Floater Policy is 91 days. The maximum Entry Age for adults is 65 years and dependent Children is 18 years.
Q3. Does Bharti AXA Health Insurance Top-up plan allow a policyholder to switch to a different health insurance product?

Ans: Yes. Switch Benefit option is provided to the policyholder to switch into selected Nil Deductible Bharti AXA Health Insurance products, subject to policy terms and conditions.
Q4. Does the Bharti AXA Health Top-up plan provide cover of Critical Illnesses?

Ans: If after 60 days of the Policy, the policyholder is diagnosed with any of the listed 20 Critical Illnesses and survives for more than 30 days post such diagnosis, the specified limits as mentioned in Schedule to the Policy document (over and above the Sum Insured) shall be payable to the policyholder as Lump Sum benefit.
Q5. What about pre-medical health check-up before purchasing the Bharti AXA Health Super top-up plan?

Ans: Pre-policy check-up before purchasing the policy are carried out at network laboratories. 50% of the cost is borne by the Insurer upon successful issuance of Policy. Annual preventive check-up, at company cost, upon renewal of Policy, subject to no claims made.