Handle medical emergencies without the worry of expenses
A health insurance rider that offers you a fixed amount benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery
Offers daily hospitalisation benefit (DHCB).
It is a fixed per day benefit paid to the policyholder for each day of hospitalisation, if the hospitalisation is for a minimum periods of 48 hours while the policy is in force.
Includes lump sum pay-out as Intensive Care Unit benefit and Surgical Hospitalisation benefit.
ICU Benefit is twice the DHCB Surgical Benefit is 5 times DHCB and 20 times DHCB for minor and major surgeries respectively
Easy affordable Premiums.
Convenient and affordable to buy.
Enjoy Tax benefits on Rider Premium as well as on base plan.
Eligible under Section 80D of the Income Tax Act 1961. The Tax benefits are subject to change from time to time.
WHO CAN BUY?
|Minimum Age at Entry||91 days (age last birthday)|
|Maximum Age at Entry||65 years (age last birthday)|
|Maximum Maturity Age||85 years|
|Policy Term||5, 7, 10, 15 & 20 years|
|Premium Payment Frequency||Annual, Semi-Annual, Quaterly and Monthly*|
|Premium Payment Term||Regular Premium|
|Maturity Benefit||No Maturity Benefit is payable|
|Death Benefit||No Death Benefit is payable|
|No Claim Bonus||Not Available|
|Renewal||Guaranteed Renewal till the end of Premium payment Term of the base policy-No medicals at the time of renewal.|
Bharti AXA Life Hospi Cash Benefit Rider provides Fixed Benefit irrespective of the actual expenses incurred on per day of hospitalization. For every claim, the hospitalization should be for a minimum period of 48 hours while the policy is in force.
Daily Hospital Cash Benefit:
Fixed per day benefit paid to the policyholder for each day of Hospitalization. This is a fixed amount not linked to the actual expenses incurred.
Intensive Unit Care Benefit:
This fixed benefit is two times the DHCB and is payable for each day of hospitalisation in the ICU.
Surgical Hospitalization Benefit:
Lump sum benefit paid in case of hospitalization for any valid and medically necessary surgeries. In case of multiple valid surgeries during a single admission, single payment for surgical procedure attracting the highest benefit will be paid.
You may be eligible for tax benefits under Section 80D of the Income Tax Act 1961. The tax benefits are subject to change as per change in Tax laws from time to time.
BENEFITS YOU WILL RECEIVE
|Hospital Cash Benefit|
|Daily Hospital Cash Benefit: DHCB||1,000||2,000||3,000|
|Intensive Care Unit Benefit: ICU||+ 100%
|Surgical Hospitalisation Benefit|
|Major Surgeries – For surgeries directly involving the brain, heart (including coronary arteries), liver & lung||20
|Minor Surgeries – All Other Valid Surgeries||5
|The maximum Surgical Hospitalisation Benefit available in one policy year is capped to 90 times the DHCB|
|Day Limits for Hospital Cash Benefit|
|Daily Hospital Cash Benefit||Maximum of 40 days of Hospital Stay in one policy year|
|Intensive Care Unit Benefit||Maximum of 10 days of Intensive Care Unit stay in one policy year|
|**The aggregate of all benefits payable in any one policy year under this policy will not exceed an amount equivalent to 150 times the DHCB under the plan opted for by the policyholder.|
Let us help you
The insurance industry is getting digitally savvy giving policyholders the comfort of buying and managing their policy and that too at lower costs.
A regulatory clause makes it mandatory for life insurers to offer guaranteed returns to all its subscribers.