Bharti AXA Arogya Sanjeevani Health Insurance Wordings

Sum insured options available under  Arogya Sanjeevani Policy, Bharti AXA General Insurance Company range between Rs. 1 Lakh and Rs. 5 Lakh, in multiples of 50,000. 

Arogya Sanjeevani Policy, Bharti Axa General Insurance Company covers the following modern treatments for up to 50% of the sum insured during a policy period:

• Balloon Sinuplasty
• Uterine Artery Embolization and High Intensity Focused Ultrasound
• Deep Brain Stimulation
• Robotic Surgeries
• Bronchial Thermoplasty
• Oral chemotherapy
• Intra Vitreal injections
• Stem Cell Therapy
• Vaporisation of the Prostrate
• Intra Operative Neuro Monitoring 
• Stereotactic radio surgeries
• Immunotherapy

Expenses related to Cataract treatment are covered for up to 25% of the sum insured or Rs. 40,000 whichever is lower, for each eye during a policy period. 

The policyholders have to complete a general waiting period of 30 days to be able to enjoy benefits under this policy. The waiting period is calculated from the date of commencement of the policy. This waiting period shall not, however, be applied if you have continuous coverage for more than 12 months.  

The policy covers pre-existing diseases after 48 months of continuous coverage from the date of inception of the first policy. 

The policy does not cover expenses related to treatment for correction of eyesight due to refractive error less than 7.5 dioptres. 

If you cancel your Arogya Sanjeevani Policy, Bharti AXA General Insurance Company by giving 15 days written notice, then the company shall refund the policy premium for the unexpired policy period at the following rates:

• Up to 30 days: 75%
• 31 to 90 days: 50%
• 3 to 6 months: 25%
• 6 to 12 months: 0%

Yes. You will be allowed a free period of 15 days from the date of receipt of the policy to review the policy terms and conditions. You may return the policy if not suitable during this period subject to terms and conditions.  

Yes. You may get the sum insured increased or decreased, but this facility is only at the time of renewal, or otherwise, subject to underwriting by the company. The waiting period shall start afresh in case you opt for an increase in the sum insured. This will be applicable only for the enhanced portion.