Critical Illness Insurance

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Pan India

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The Story So Far

The number of people diagnosed with life-threatening diseases is increasing at a rapid pace. Today, 17% of the India population consumes tobacco and there has been a 50% increase in the consumption of alcohol use for the past 20 years. Cancer, one of these diseases has seen a manifold increase in India. Annually new cases of cancer alone are expected to touch 300,000, the chance of survival being only 40%. Yet a mighty percentage of the population chooses to ignore to protect them from these critical insurances. Here is the story of Ajay, who is one of them. 


Ajay, aged 29, is an engineer working in an IT company. He lives with a couple of friends in a shared accommodation. He was a habitual smoker since his college days. Being the only son he took his work very seriously. His father was due for retirement in a few years. In mid-September, Ajay had a stubborn coughing session for almost 3 weeks and one day he coughed up blood. He decided to visit the nearest hospital, where he gave a few medical tests. The results were alarming. He was diagnosed with Stage 2 Lung Cancer. 
In a few weeks, all his savings disappeared, as the chemotherapy sessions started. As the medical bills started swelling, his father started selling assets in the home including jewelry and a plot. The whole world had turned upside down for Ajay and his family.
Ajay did remember how he laughed off his friend’s suggestion to take the critical illness policy a few years back. Many like him still ignore the importance of critical illness insurance in India. Had Ajay known that the average cost of treatment for cancer is Rs. 10 lacs and Rs 20 lacs for lung cancer [1], would he have not taken this critical illness policy. Also, now that you know, would you ignore this insurance?


The Need For Critical Illness Insurance

Critical illness is a situation when many goals and dreams are shattered in a very less time. The affected individual’s aspirations are deprived of hope. The emotional turmoil that the family members go through is huge. Financially, they can lose years and years of savings due to the large costs for medical care. 
The chances today of getting the illness today has increased manifolds. A critical illness cover helps in the reduction of this cost burden to a great extent.
Critical disease insurance coupled with Mediclaim and Personal Accident Insurance, form the complete health protection.


Bharti AXA Critical Illness Insurance


Bharti AXA critical illness plan provides adequate protection in case of the unfortunate event. It is a special dedicated policy where you covered from almost 20 critical illness. Reason why this considered one of the best critical illness policies in the country. Unlike the critical illness rider, here you are not only reimbursed the medical bills, instead, you are paid the amount insured in a lump sum. This amount can substitute many necessary and basic living expenditures, which otherwise would have to be avoided. Resulting in an otherwise unpleasant situation. These and many other similar situations are what we’ve been kept in mind while designing this insurance. Emotional and financial protection are what our critical insurance aims to give you in the difficult time.

Inclusions Exclusions

20 major Critical Illness covered by Bharti AXA are:

  • Cancer
  • First Heart Attack
  • Coronary Artery Disease
  • Coronary Artery bypass surgery
  • Heart valve surgery
  • Surgery to Aorta
  • Stroke
  • Kidney Failure
  • Aplastic Anemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma
  • Major Burns
  • Major Organ/Bone Marrow Transplantation
  • Multiple Sclerosis
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis

  • Hospitalization expenses for treatment taken for disease or illness within 60 days of inception of the policy. This clause is not applicable on subsequent renewals.
  • Any pre-existing conditions/ diseases/ injuries at the inception of the policy cover.
  • Treatment received overseas
  • Medical treatment required following any criminal act of the insured
  • Cataract, laser surgery
  • Routine medical, eye and ear examinations, cost of spectacles
  • Dental treatment
  • Myomectomy, Hysterectomy unless because of malignancy
  • Dilation and curettage
  • Hernia, Hydrocele, fistula in anus, sinusitis, hemorrhoids/piles
  • Joint replacement, unless due to accident
  • All types of skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
  • Dialysis required for chronic renal failure
  • Gastric and duodenal erosions & ulcers
  • Circumcision, sex change or treatment
  • Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
  • Treatment traceable to pregnancy or childbirth
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV
  • Treatment following use of drug or liquor or intentional self injury

Frequently Asked Questions

Have a question on critical illness insurance, that will help you with the decision-making? Look at these Frequently Asked Questions and you may find the answer. These carefully selected questions will help you understand our products and services better. However if you still need more information, you can always contact us. Our executives will be glad to assist you. 

Frequently Asked Questions