Buying health insurance is an essential thing to do as soon as you are financially independent. There are different types of health insurance plans that are available in the market. You can buy family floaters for yourself and your family, where the payment of the premium can be made either individually or altogether, based on your convenience. Family floater plans cover 6 to 8 members of your family which may include you, your spouse, your children, and your dependent parents.
Family floater plans are an affordable way to ensure the health of all the members of your family. Bharti Axa General Insurance provides a good range of family floater plans which cover numerous benefits that are ideal for you and your family.
About Bharti Axa General Insurance
Bharti Axa General Insurance company is a joint venture between Bharti Enterprises and AXA Group. Founded in 2008, the company has over 135 branches within India and provides quality services to its customers, for which it has won several awards. It provides a wide range of health insurance products for both individuals and their families. Let us look at some of the features of Bharti Axa General Insurance company:
- It has a network of 4,500+ linked hospitals that provide cashless treatment to its customers.
- It had a claim settlement ratio of 76.01% in FY 2019-20.
- Bharti Axa General Insurance offers lifelong renewability of policies to its customers.
Features of Family Floater Plans By Bharti Axa Health Insurance
Bharti Axa Health Insurance provides exclusive family floater plans to its policyholders which cover a wide range of benefits and offers a good sum insured. Smart Super Health Policy plan is an individual as well as a family floater plan. It can include up to 5 members of the same family. The plans come under three variants which are named Uber, Classic, and Value plans. The entry age under these plans ranges from 5 years to 65 years for individual policy while for family floater plans the age of child ranges from 91 days to 5 years. Let us look at some key features of the family floater plans by Bharti Axa Health Insurance:
- Sum assured can range up to Rs. 1 Crore for the customers.
- Add-ons for critical illness, maternity benefit, and hospital cash allowance can be included by the policyholder based on their requirement.
- Coverage for AYUSH treatment is also provided to the individuals.
- Domiciliary hospitalization expenses up to the sum assured are also covered.
Exclusions Under The Family Floater Plan of Bharti Axa Health Insurance
Below are the exclusions and incidents that are not covered under the family floater plans of Bharti Axa Health Insurance:
- Medical expenses for illness/ treatments within 30 days from the start of the policy are not paid for.
- Birth control procedures or hormone replacement therapies are not included.
- Dental treatments unless it requires hospitalization are not covered.
- Congenital diseases are also not a part of the policy
Other exclusions or inclusions are written in the policy-related documents, which you must go through very well within the free-look period offered by the insurer.
Bharti Axa Health Insurance Family Floater Plans
Some of the plans offered by Bharti Axa Health Insurance for the family are:
1. Smart Health Insurance Plan
This family floater plan provides a sum assured of Rs. 2 Lakh and offers no maximum age limit. However, the minimum age limit is 91 days.
2. Smart Super Health Plan
This family floater plan provides a coverage of Rs. 5 Lakh and the age limit ranges from 91 days to 65 years.
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