Health Insurance 845 views April 23, 2021

Bharti AXA Smart Super Top Up Policy can help individuals protect their finances from going towards medical treatment. Considering the current medical costs, you can exhaust your savings in no time. With this Top-up policy from Bharti AXA, you can protect yourself along with your family, depending on your requirements. Before understanding this policy further, let’s check its top benefits that you can enjoy.

  1. Available on an individual and family floater basis
  2. In-patient hospitalization coverage
  3. Pre-and post-hospitalization coverage
  4. Organ Donor expenses coverage
  5. Critical Illness coverage
  6. Daycare Treatment
  7. AYUSH Treatment coverage
  8. Dental treatment
  9. Sum insured enhancement
  10. Emergency surface and air ambulance
  11. 15 days of the free look period

Want to know these benefits of Bharti AXA Smart Super Top Up Policy in detail? Well, this page can help you in the same as we will be discussing each of them. Keep reading to know more!

Let’s Check the Benefits of Bharti AXA Smart Super Top Up Policy in Detail

People choose the Bharti AXA Smart Super Top Up Policy due to its several amazing benefits – Organ donor expenses, critical illness coverage, ambulance charges, daycare treatment, etc. We are going to discuss them one after another. Have a look!

In-patient Care Expenses

Bharti AXA Smart Super Top Up Policy provides coverage against the following expenses incurred during in-patient treatment of a disease/illness/injury at a hospital.

  1. Room Rent or Boarding Expenses
  2. Expenses on nursing
  3. ICU Charges
  4. Physiotherapy (if advised by the doctor)
  5. Medical Practitioner’s fees
  6. Expenses related to Anesthetists, Anesthesia, Blood, Oxygen, Operation Theatre
  7. Drugs, Medicines, X-ray & Diagnostic tests expenses

Domiciliary Hospitalization Expenses

If a patient is undergoing treatment at home (due to unavailability of bed or cannot be transferred to a hospital) that would normally require hospitalization, this policy will provide coverage against such expenses. However, this does not cover any treatment of fewer than 3 days. If the treatment period exceeds 3 consecutive days, coverage will start from the first day. Policyholders can also get coverage against expenses incurred on qualified nurses for the treatment.

Organ Donor Expenses

If a policyholder needs to undergo an organ transplantation surgery, he/she will receive coverage against expenses incurred during the donor’s treatment for the harvesting of an organ donated. This policy will also cover the donor’s post-hospitalization expenses (up to 180 days) from the date of organ donation.

Daycare Treatment Expenses

Some treatments do not require a 24-hour hospitalization and are known as Daycare Treatments. With your Super Top Up policy from Bharti AXA, you will get coverage against expenses under daycare treatment expenses.

Dental Treatment

In case a policyholder needs dental treatment (caused due to an accident) for the injuries or damage to his/her natural teeth and/or gums, this policy will also provide reimbursement of such medical expenses.

Hospital Daily Cash

You will also get a hospital daily cash allowance (as specified on your policy) during your hospitalization for the treatment of any disease or illness. This benefit will be given for each continuous and completed 24 hours of hospitalization. Do remember that the first continuous and completed period of 24 hours will be deductible under this policy.

Ambulance Charges

Bharti AXA Smart Super Top Up Policy provides coverage against expenses incurred on both surface and air (airplane or helicopter) ambulance charges if a policyholder needs an immediate transfer to a nearby hospital from the site of the first occurrence of illness or accident.

Critical Illness Coverage

If a policyholder is diagnosed with any of the 20 specified critical illnesses after 60 days from the inception of the policy, he/she will get a lump sum benefit as critical illness coverage. To get this coverage, an individual should survive for more than 30 days after the first diagnosis of the following critical illnesses.

  1. Cancer of Specified Severity
  2. First Heart Attack of Specified Severity
  3. Surgery to Aorta
  4. Major Burns
  5. Major organ /bone marrow transplant
  6. Multiple Sclerosis with Persisting Symptoms
  7. Fulminant Hepatitis
  8. Motor Neurone Disease with Permanent Symptoms
  9. Stroke resulting in Permanent Symptoms
  10. Kidney Failure requiring Regular Dialysis
  11. Aplastic Anaemia
  12. End-Stage Lung Disease
  13. End-Stage Liver Failure
  14. Coma of Specified Severity
  15. Coronary Artery Disease
  16. Open Chest CABG
  17. Open Heart Replacement or Repair of Heart Valve
  18. Primary Pulmonary Hypertension
  19. Terminal Illness
  20. Bacterial Meningitis

Sum Insured Enhancement

If a policyholder hasn’t made any claims under the policy, he/she can enhance the in-patient care expenses sum insured up to one grade above the current one. Also, there will be no waiting period related to the fresh enhanced amount in the sum insured.

What will be the Policy Period for Bharti AXA Smart Super Top Up Policy?

Under the Bharti AXA Smart Super Top Up Policy, you can choose a policy period from three options as per your needs – 1 year, 2 years and 3 years.

Bharti AXA Smart Super Top Up Policy Eligibility Criteria

Have a look at important conditions related to Bharti AXA Smart Super Top Up Policy eligibility criteria mentioned below.

  1. Individuals within the age group of 91 days to 65 years can get coverage under this policy.
  2. Children between 91 days but less than 5 years can be covered under the policy if either parent is covered under the same policy.
  3. Children above the age of 5 years can get coverage under the individual plan.
  4. The entry age for self and dependent members (except children) ranges between 18 to 65 years. Also, when it comes to renewal, there is no maximum age.
  5. The policy can be issued both on an individual and a family floater basis. Here, the family means a maximum of 5 members that will include self, spouse and three dependent children up to 23 years.

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