Critical Illness Insurance Policy

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					                                                                                                                                                                                                                                                                                                       Health Insurance
                                                                     leave any blanks                                                                                                                                           Bharti AXA General Insurance
                                                                                                                                       Key differentiators
                                                                  n In case any insured person is above 45 years or suffering
                                                                                                                                       n Comprehensive coverage for 20 critical illnesses                                       Bharti AXA General Insurance is a joint venture between the
                                                                     from any pre-existing illness / condition, please undergo                                                                                                  Bharti Group and AXA.
                                                                     medical examination as prescribed by the company                  n Cover available on ‘lumpsum benefit’ basis and ‘indemnity
                                                                                                                                                                                                                                Bharti AXA combines the strengths of Bharti Enterprises, one of
                                                                  n Please pay the premium preferably by way of A/C payee                 basis’
                                                                                                                                                                                                                                India's leading business groups, and AXA, the global leader in
                                                                                                                                                                                                                                                                                                       Why take a chance with inadequate
                                                                     cheque or DD                                                                                                                                               financial protection and wealth management.                            critical illness cover?
                                                                  For any clarification, feel free to call the nearest branch office
                                                                  or our customer care number
                                                                                                                                                                                                                                Twin assurance for you                                                 We offer cover for 20 critical
                                                                  Claim procedure
                                                                                                                                                                                                                                AXA is one of the largest insurers in the world. Across the globe,
                                                                                                                                                                                                                                AXA has over 95 million clients, over 2,14,000 employees and
                                                                                                                                                                                                                                presence in 57 countries. AXA believes in achieving operational
                                                                  Fast, fair and friendly!                                                                                                                                      excellence through product innovation, business expertise,
                                                                                                                                                                                                                                distribution, quality of service and productivity.
                                                                  In the event of any occurrence likely to give rise to a
                                                                  claim(cashless or reimbursement) under the policy, you or                                                                                                     Bharti Enterprises is one of the biggest organizations in the
                                                                                                                                                                                                                                country with interests in telecom, agro business and retail. It is a
                                                                  your representative need to:
                                                                  n Contact the Third-Party Administrator (TPA) named in the
                                                                                                                                       It’s time to take a smart step!                                                          pioneering force in the telecom sector with many firsts and
                                                                                                                                                                                                                                innovations to its credit, offering a powerful mix of a strong
                                                                     schedule to the policy immediately. Cashless                                                                                                               national presence and unmatched local knowledge.
                                                                     hospitalisation facility is available in 3800 hospitals
                                                                                                                                                                                                                                                 For more information, please contact
                                                                     around the country
                                                                  n Deliver to the TPA        all information and documents
                                                                     concerning the claim or reimbursement
n                                                                 n Submit all documents (original bills & prescriptions etc. )        For more details on risk factors and terms & conditions,
    AIDS or HIV or ARCS-AIDS related Complex Syndrome
                                                                     concerning all pre / post hospitalisation expenses                please read the sales brochure carefully before
n Treatment following use of drugs or liquor
                                                                  n Submit, if so required, to examination by a medical                concluding a sale.
n In case of intentional self-injury                                 practitioner authorised by the company
n Treatment received overseas                                     n Please contact the number given on your medi-card for

n Treatment for any criminal act                                     clarifications
                                                                                                                                                                                                                                ( 080 - 49123900
n Experimental and unproven treatment
                                                                                                                                                                                                                                È SMS <SERVICE> to 5667700
n Treatment by a family member / self- medication or any                                                                                                                                                                        :
                                                                                                                                       *This leaflet is only a brief summary of the
    treatment which is not scientifically approved
                                                                                                                                       Smart Health Critical Illness Policy.
n Naturopathy / unani treatment

n Aesthetics / cosmetic treatment, plastic surgery

n Psychiatric, mental and psychological disorder and stress

n Congenital internal disease

This is not an exhaustive list. For a detailed list of the                                                                                                                                                                                                                                                                  SmartHealth
exclusions, please read our policy terms and conditions.           The claim will be settled within 21 days of receipt of all          Please contact our intermediary / sales officer / any of our
                                                                   documents.                                                          offices for the policy wordings.                                                                                                                                                   Critical Illness Policy
Getting started, smartly!                                                                                                                                                                                             

                                                                                                                                                                                                      BRO/CRI ILL/THINQ/02-13
                                                                    To enable us to help you, we request you to register a claim
Here's what you need to do, to get your SmartHealth Critical        by contacting our helpline: 080 - 49123900 or e-mail us at
Illness Policy:                                           

n   Read the prospectus carefully                                   Get in touch with Bharti AXA through our number                                                                                                             Registered office address:
                                                                    080 - 49123900 or email us at,                                                                                                     Bharti AXA General Insurance Co. Ltd
n   Fill in the proposal form in all respects and kindly do not                     The claim will address, for a hassle - free
                                                                    clearly mentioning your postal be settled within 21 days               Insurance is the subject matter of solicitation.                                     First Floor, Ferns Icon, Survey No. 28,
                                                                                    of receipt of all
                                                                    SmartHealth Critical Illness Policy documents.                                                                                                              Doddanekundi, Bangalore- 560 037.
                                                              You can opt for:                                                                                                                                    n   Transplantation of organs
A smart first step                                                                                                                            What are the options available                                                                                                    Distinctive features
                                                              Sec.1 Reimbursement / payment of hospitalisation                                                                                                    n   Hospital cash allowance
Simple, yet comprehensive; this defines Bharti AXA's          expenses for treatment of critical illnesses, once                              under this policy?                                                  n   Home nursing                                              The policy empowers you with a series of additional
SmartHealth Critical Illnesss Policy. The policy covers all   diagnosed.                                                                                                                                                                                                        benefits, which are:
                                                                                                                                                                                                                  n   Ambulance charges
expenses incurred as a result of critical illnesses.                                                                                          ( In case of Sec.1 )
                                                              or                                                                                                                                                  n                                                             Family floater
                                                                                                                                                                                                                      In-patient physiotherapy charges
                                                                                                                                              n   Hospitalisation expenses
What does this policy cover?                                  Sec.2 Payment of compensation on diagnosis of critical                                                                                              n   Recovery grant                                            You choose one sum insured for the whole family (self, spouse
                                                              illnesses and on survival for more than 30 days.                                n   Pre-hospitalisation expenses                                                                                                  and two dependent children up to the age of 23 years). This
The policy provides cover for the following occurrences:                                                                                                                                                          n   Accompanying person's expenses
                                                                                                                                              n   Post-hospitalisation expenses                                                                                                 sum covers all the expenses for one or more claims during the
1. Cancer                                                                                                                                                                                                         n   Children education fund
                                                                                                                                              n   Dread disease recuperation                                                                                                    policy period.
2. First heart attack                                                                                                                                                                                             n   Mortal remains
                                                                                                                                                                                                                                                                                Income tax benefit
3. Coronary artery disease
                                                                                                                                                                                                                                                                                Premium paid for this policy is eligible for deduction under
4. Coronary artery bypass surgery
                                                                                                                                                                                                                                                                                Sec-80D of the Income Tax Act.
5. Heart valve surgery                                                                                                                              Critical Illness - Plan benefits                                                                                            Renewal discount
6. Surgery to aorta
7. Stroke                                                                                                                                                                                                       Sum Insured (in Rs.)                                            You get a 5% discount on the renewal premium for every
                                                                                              Section                                      Particulars                                                                                                                          claim-free year, up to a maximum of 25%.
8. Kidney failure
9. Aplastic anaemia                                                                                                                                                                       200000                        300000                            500000                Policy servicing
10. End-stage lung disease                                                                                                                                                                                                                                                      The policy will be serviced by the Third Par ty
                                                                                                                                           Hospitalisaiton expenses                                                                                                             Administrator(TPA), who will provide, among other things,
11. End-stage liver failure                                                                                                          a                                              100% of sum insured            100% of sum insured              100% of sum insured
                                                                                                                                           indemnity basis
                                                                                                                                                                                                                                                                                cashless facility for hospitalisation in network hospitals.
12. Coma
                                                                   I. Reimbursement/Payment of Hospitalisation
13. Major burns                                                                                                                            Pre-hospitalisation                      100% of sum insured            100% of sum insured              100% of sum insured
                                                                   Expenses for treatment of critical illnesses (up to the
                                                                   limit of Sum Insured opted), once diagnosed.                      b                                                                                                                                          Who is eligible to apply for this
14. Organ / bone marrow transplantation
15. Multiple sclerosis
                                                                                                                                           Post-hospitalisation                     100% of sum insured            100% of sum insured              100% of sum insured         policy ?
16. Fulminant hepatitis                                                                                                                                                              Rs. 500 per day for a         Rs. 500 per day for a            Rs. 500 per day for a       Any person who is a resident of India and in the age group of 3
                                                                                                                                           Dread disease recuperation
17. Motor neurone disease                                                                                                                                                              max of 45 days                max of 45 days                   max of 45 days            months to 55 years (at entry) can be covered under the policy.
18. Primary pulmonary hypertension                                                                                                                                                                                                                                              Children in the age group of 90 days to 5 years can be covered
                                                                                                                                                                                   15% off on SI over and         15% off on SI over and            15% off on SI over and
19. Terminal illness                                                                                                                       Transplantation of organs                                                                                                            in this policy if at least one parent is also covered under the
                                                                                                                                                                                    above the original SI          above the original SI             above the original SI
20. Bacterial meningitis                                                                                                                                                                                                                                                        policy.
                                                                                                                                                                                  Rs. 750 per day for 30 days   Rs. 1000 per day for 30 days     Rs. 1000 per day for 30 days
                                                                                                                                           Hospital cash allowance                    after the first 3 days        after the first 3 days                                      The maximum age applicable for renewal under this policy is
                                                                                                                                                                                                                                                     after the first 3 days
                                                                                                                                                                                  Rs. 350 per day for 10 days   Rs. 500 per day for 10 days      Rs. 500 per day for 10 days
                                                                                                                                                                                                                                                                                65 years.
                                                                                                                                           Home nursing                               after the first 3 days        after the first 3 days           after the first 3 days
                                                                                                                                                                                                                                                                                What does this policy not cover?
                                                                                                                                           Ambulance charges                              Rs. 2500                       Rs. 2500                         Rs. 2500
                                                                   Additional benefits                                                                                                                                                                                          Some of the major exclusions under the policy are expenses
                                                                                                                                           Inpatient physiotherapy                         2% of SI                       2% of SI                         2% of SI
                                                                                                                                                                                                                                                                                relating to:
                                  Time spent with                                                                                          Recovery grant                                 Rs. 12500                      Rs. 12500                        Rs. 12500             n   Any disease / illnesses contracted during the first 60 days
                              your family is what                                                                                                                                    Rs. 250 for 10 days            Rs. 250 for 10 days              Rs. 250 for 10 days            of the first year policy (this will not apply for subsequent
                         makes life memorable.                                                                                             Accompanying person expenses              after first three days         after first three days           after first three days         and regular renewals)
                         Do not let worries of an                                                                                          Children education benefit                     Rs. 5000                       Rs. 5000                         Rs. 5000
                                                                                                                                                                                                                                                                                n   Any pre-existing diseases / conditions / injuries at the
                     uncertain future hinder you                                                                                                                                                                                                                                    inception of the policy cover. However, the same will be
               from living your life to the fullest.                                                                                       Carriage of mortal remains                     Rs. 1000                       Rs. 2000                         Rs. 2000                  covered after four continuous renewals with us since, the
                                                                                                                                                                                                                                                                                    policy cover incepts for the first time
                   To assure a secure future for                   II. Payment of compensation, equivalent to the limit of Sum                                                                                                                                                  n   Treatment traceable to pregnancy or childbirth
                  yourself and your loved ones -                   Insured opted, on diagnosis of critical illnesses and on survival for   Payment of compensation                  100% of sum insured            100% of sum insured              100% of sum insured
                                                                   more than 30 days
                                    think smart!

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Description: Our Health insurance policy covers 20 critical illnesses such as cancer, first heart attack, stroke etc, personal accident coverage, transportation of mortal remains, funeral expenses and more.