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Health Insurance

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*Premium quoted is annual and inclusive of all applicable taxes

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Health Insurance underwritten by Bharti AXA General Insurance

Product Summary

To know more about the coverages and key exclusions please read below:

Coverages:

Avail a 2nd medical opinion from qualified doctors across the globe via chat, call. These services will be provided by Bharti AXA GI assistance service provider. Consultation fee will be borne by the customer and assistance fee will be borne by the insurance company.

 

To avail this service, please refer to below steps:

  1. Call up the assistance call center @ 1800 103 5243 and share the details of the illness with the tele caller
  2. These details will then be transferred to the concerned medical team for checking and validation
  3. The customer will receive a call for further documentation based on which the 2nd opinion will be provided

These emergency air ambulance services will be provided by Bharti AXA assistance GI service provider. Transportation cost will be borne by the customer and assistance fee will be borne by the insurance company.

 

To avail this service, please refer to below steps:

  1. Call up the assistance call center @ 1800 103 5243 and raise the request for air ambulance
  2. The assistance team will then share the available option and the quote with the customer
  3. The customer then selects the preferred option and makes the payment to the insurance company

This benefit provides cover for reimbursement / payment of cashless hospitalization expenses which are incurred by the Insured for treatment of Disease / Illness / Injury sustained by the Insured during the policy period as specified in the annexure to the policy wordings.

"Pre-hospitalization Medical Expenses" means medical expenses incurred immediately before the insured person is hospitalized, provided the medical expenses are incurred for the same medical conditions for which the insured person was hospitalized.

"Post-hospitalization Medical Expenses" means Medical Expenses incurred immediately after the Insured Person is discharged from the hospital provided that the medical expenses are incurred for the same medical conditions for which the insured person was hospitalized.

This benefit provides reimbursement to the insured for medical expenses incurred for In-patient treatment taken under Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy systems. The treatment should be undertaken in a government hospital or in any institute recognized by government and / or accredited by the Quality Council of India / National Accreditation Board on Health.

Medical treatment for an Illness / Disease / Injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home under any of the following circumstances:

  • The condition of the insured person is such that he cannot be taken to the hospital, or
  • The treatment is taken due to unavailability of room in hospital

Where the Insured contracts any of the Illness or Injury requiring major Organ Transplantation surgery and undergoes surgery and treatment in a hospital as an in-patient for which a valid claim under this Policy is admissible, the hospitalization expenses incurred for harvesting the organ donated for the Insured for this treatment is covered under this benefit, provided the donation conforms to The Transplantation of Human Organs Act 1994.

This benefit provides for cashless / reimbursement to the Insured of expenses incurred for his / her surface transport by ambulance to hospital or between hospitals and / or diagnostic center for treatment of disease, illness or injury in a hospital as an in-patient for which a valid claim under this Policy is admissible.

  • This benefit is subject to sub limit (per hospitalization claim) of Rs. 3,000 / event
  • This benefit is applicable irrespective of the number of occurrences during the policy period subject to the overall Sum Insured

Key Exclusions:

  • Birth control procedures, hormone replacement therapy, treatment arising from or traceable to pregnancy, childbirth including caesarean section and voluntary medical termination of pregnancy during the first 12 weeks from the date of conception. However, this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending Medical Practitioner
  • Any fertility, sub-fertility or assisted conception operation
  • Routine medical, eye and ear examinations, cost of spectacles, laser surgery, contact lenses or hearing aids, issue of medical certificates and examinations as to suitability for employment or travel
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases / illness / injury caused by and/or related to HIV
  • Vitamins and tonics unless forming part of treatment for disease, illness or injury as certified by the Medical Practitioner
  • Treatment of obesity, general debility, convalescence, run¬ down condition or rest cure, congenital internal disease/ illness or defects or anomalies, sterility, venereal disease or intentional self-injury and use of intoxicating drugs/alcohol
  • Any treatment received in convalescent homes, convalescent hospitals, health hydro’s, nature cure clinics or similar establishments
  • Medical treatment following use of intoxicating drugs and alcohol or drug abuse, solvent abuse or any addiction or medical condition resulting from or relating to such abuse or addiction
  • Sex change or treatment, which results from, or is in any way related to, sex change
  • Vaccination and inoculation of any kind
Dedicated Helpline
@ Bharti AXA - 1800 103 5243