Bharti AXA Health Insurance

• Premium amount paid for Bharti AXA Health Insurance is exempted from tax under section 80 D of the Income Tax.
• The insurance policy can be ported in case insured want to switch to some other insurer with the same benefits.
• Any injury or disease that requires domiciliary hospitalisation (care and medical treatment at home) and exceeded 3 days will also be covered under the Bharti AXA Health Insurance
• If the treatment is taken from a network hospital then policyholder can enjoy the benefit of cashless treatment.
• The emergency ambulance charges used for the policyholder are also covered under the Bharti AXA Health Insurance.
• The pre-existing disease is covered in the Bharti AXA Health Insurance after the 4-year consecutive renewal of the policy.

No matter how beneficial insurance policy is, there are always a few exclusions which are not covered in the plan. One should read the terms and conditions thoroughly before buying an insurance policy as exclusions may differ from one insurance policy to another. Following are a few basic exclusions of Bharti AXA Health Insurance Policy that one should take care –

• Bharti AXA Health insurance does not offer any coverage of the expenses that incurred from the hospitalisation of policyholder due to some disease or illness that was born or detected within 30 days of the inception period of the insurance policy.
• Note – the same clause is not applicable for any type of subsequent policy renewals.
• Any type of laser surgery or cataract surgery expense is not covered under the Bharti AXA Health insurance.
• If your treatment requires replacement of joints without any accidental injury, (due to some internal body illness) then the expenses are not covered under the Bharti AXA Health insurance.
• Any type of dental treatment is also excluded under the Bharti AXA Health insurance.
• Any sexually transmitted disease, AIDS, HIV or any treatment that requires circumcision and a sex change is also not covered under the Bharti AXA Health insurance.
• Bharti AXA Health insurance does not offer coverage for the treatment of ulcers, gastric problems and etc.
• Any type of skin condition treatment is also not covered under the Bharti AXA Health insurance be it, nodules, internal tumours, breast lumps, cysts and etc.
• Any rehabilitation, mental disorder treatment, stress, depression counselling and medicinal treatment coverage is not offered by the Bharti AXA Health insurance.
• Suicide cases are excluded from the Bharti AXA Health insurance.
• Any injury or illness that is caused due to addiction or excessive intake of illegal toxic drink like alcohol or drugs is also not covered under the Bharti AXA Health insurance.

• You should be very clear how much sum insured you require. Sum insured is the maximum amount that a policyholder can get from the insurance provider at the time of claim. It is very crucial to calculate the sum insured properly. One should consider factors like lifestyle, marital status, family requirements, financial situations and etc.
• Age of the individual who is seeking health insurance also matter while he/she wants to buy an insurance policy. Young age means a healthy body and less premium amount. With increasing age, the human body tends to become more prone to various health diseases, illness and this result in increasing premium amount. Hence keep a check on the age of the one or your age while buying an insurance policy.
• The number of family numbers to be insured also matters while you are looking for health insurance policy. If you are alone and do not have anyone to look after then individual health insurance plan is the best, while if you have a family to look after then family floater plan will suit you the best. Sum assured in case of the family floater plan will be more than the sum assured in individual health insurance will be less.
• Many individuals opt for the Bharti AXA health insurance for pre-existing illness. Terms and conditions for various plans differ and one of the basic differences between the other health insurance plans and the pre-existing illness cover is the minimum waiting period. Company require awaiting a period of year 2-4 years before it offers pre-existing medical cover. Also, there are insurance covers under which an upper limit for a daily amount which is spent on medical treatment such as hospitalisation is offered to the policyholder.

Who can avoid their healthcare needs? No one can actually ignore health care needs because health directly affects everything.But, sometimes, due to circumstances, it gets quite hard to continue the life of routine life along with the expense of your healthcare. This is when health insurance comes in the picture. The health insurance sector is emerging at a very fast rate in India. It is because of the following factors –

1. Nowadays there is no guarantee which new disease will emerge suddenly as disease are increasing, hence one needs to be prepared.
2. Along with other sectors, the medical sector cost is also Skyrocketing. Even from minor disease to medical treatment like hospitalisation etc. Everything is getting so expensive that an individual, who is a bread earner, finds it hard to maintain economic balance.
3. Busy life routines resulting in neglecting healthy life which further leads to a body full of illness which needs assistance.
4. With education, there Awareness and planning of the future for a better and balanced secure life in our society. If you are bread earner of your family and suffer from some critical disease which needs immediate medical treatment, how your family will manage it? People understand such situation and look up for health insurance as an answer.
5. If we calculate, we spend much money time unknowingly and realise later on that it was a waste of money. And at the time of need, you just shed tears. Health insurance gives a chance to you to invest money in a wise way that gives return (in for of claim) during the hour of need, so there is no dependency on anyone during the hour of need for economic help.

Bharti AXA Health Insurance is a shining name in the health insurance industry. The premium prices are quite competitive which allow everyone to buy and afford a health insurance plan without many adjustments; Bharti AXA is one of the top 10 insurance companies in India. The Bharti AXA Health Insurance Company offer critical cover to 20 critical illnesses which is a very broad cover to enjoy. Bharti AXA Health Insurance is one of the most progressive and transparent health insurance service providers with a clear track record of claim settlements and constant offers for the customers.

Good Health is very important to attain great heights in life. Good health gives you the strength to keep on your head high and work. Do you remember the day when you were suffering from seasonal cold and cough? You had an important presentation. You prepared everything well before time and were confident in yourself. But, due to your unannounced health condition, you were unable to concentrate. In such a situation no matter how hard you try, you cannot have the same self-confidence and stamina as before while you will take the presentation. It was an example just about seasonal cold, now can you imagine yourself suffering from some critical illness or any of your loved one family members going through the struggle of fight with some disease. This imbalance makes everyone helpless. Your personal, professional and economic life is not at equilibrium. You may back to track from other prospective after recover but economy is something that is not that easy to get back in shape. Now a day’s cost of medical treatment is so high that even cost everything to sustain it. No matter how well in advance you are prepared but when it’s the hour of need you always need some more. Health insurance is the best way to manage everything more in less resource (money ) investment. Bharti AXA Health insurance is just the same safety cover that helps an individual to take care of not only his / her health but also his/ her loved ones.