Bharti Axa-Smart Health High Deductible Insurance Policy

Bharti AXA's Smart Health High Deductible Insurance plan is a health plan which may be taken like a top up cover in your any existing medical health insurance policy. You are able to take this insurance policy with any Bharti AXA Medical health insurance or medical health insurance form every other providers.

This policy covers the following  medical expenses for management of disease, illness or injury.
Hospitalization cover- The hospitalization expenses including room rent, boarding expenses, nursing expenses, doctors fees, surgeon fees, price of medicines and drugs, etc. The payment is depends upon the deductible which have been agreed upon. 

Pre and post hospitalization cover- The medical expenses are covered for any period of Thirty days prior to hospitalization as well as for a period Two months after hospitalization.

Pre-existing disease- The medical expenses are covered for management of the pre-existing diseases, illness or injury, after 4 continuous policy years.

In-patient physiotherapy charges- It covers the medical expenses towards physiotherapy within the hospital for that treatment of the condition, illness or injury.

Organ transplantation- It covers hospitalization expenses towards donor in the event of major organ transplantation.

Accompanying person's expenses- It offers allowance towards expenses of accompanying person in the hospital.

Ambulance charges- It covers ambulance charges for transportation from the insured person from resident to hospital or hospital to hospital.

The policy offers additional benefits under this insurance policy. A renewal discount of 5% is deliver to every claim free year, susceptible to a maximum of 25%. The premium paid towards this insurance policy is entitled to tax benefit under section 80D from the Income Tax Act, 1961.

The people aged between 5 to 70 years qualify for this policy. The kids below Five years can be covered, if a person of parents is included under this insurance policy. The is policy can cover your partner and two dependent children as much as the age of 23 years.