Sehwag PX
Bharti Axa Health Insurance
  • Comprehensive Range of Health Plan
  • Medical Cover upto 1 Crore
  • 4500+ Network Hospitals
  • 24/7 Claim Assistance
  • Tax Benefits upto Rs. 55000*

#Virukipolicy | T&C*

Get Quotes From Top Insurers

1

2

Name
Cover For
D.O.B (eldest member)

1

2

Phone No.
Email
City

By proceeding you are accepting our T&C and privacy policy

Bharti AXA Health Insurance

Bharti AXA Health Insurance Company Limited is a joint venture between the global insurance firm leader in financial protection – AXA 26% stakes and Bharti Enterprises, a well renowned Indian based venture with 74% stake. Bharti AXA General Insurance company is the very first organisation in the general insurance industry which received the dual certifications in just within the first five years of operations in 2009 of ISO 9001:2008 and ISO 27001:2005. The certification has been renewed in the year 2012 for a further 3 years. Bharti AXA general insurance has around 59 branch offices across India which offers various categories of insurance such as motor, travel, home, health insurance and more. Bharti AXA Health Insurance has successfully maintained the promise of the best customer and ensures relationship, simple claim process for understanding and within reach of every customer.

Talking about health insurance, the company offers a wide range of health insurance products cater to the different needs of customers. The company carries a good and decent claim settlement ratio that is enough for customers to rely on it for their health insurance purchase. The company is in the same business from a long time and understand the different needs of customers, thus customized its plans in a way which makes it the most preferred choice among users.

Highlights of Bharti AXA Health Insurance

Sum Insured5 Lakh to 1 crore
Network Hospitals4500+ (Cashless Hospitalization)
Claim Settlement Ratio98.27%
Grievances Solved99.69%
RenewabilityLifetime
Waiting Period for Pre-existing Disease4 years

Bharti AXA Health Insurance Benefits

  • 01
    The Claim Settlement Ratio of the Bharti AXA Health Insurance for the year 2017-18 is 98.27%.
  • 02
    The free lookup period for Bharti AXA is 15 days.
  • 03
    After 4 years of the policy issuance, pre-existing medical diseases are also covered.
  • 04
    There is a 24*7 customer assistance facility during the claim settlement period.
  • 05
    Offers cover for genetic disorders after 4 years of the policy waiting period.
  • 06
    Offers unlimited room rent cover, depending on the health insurance plan that one chooses.
  • 07
    Covers the pre and post hospitalisation. Elaborated, it is 30 days pre-hospitalization cover and 60 days post hospitalisation that covers the medical expenses of the policyholder.
  • 08
    If you do not claim for 4 years then Bharti AXA health insurance gives you 1% of the total sum insured as the free health check-up sum.
  • 09
    The policy is lifelong renewable hence you can renew online your health insurance plan whenever you want to.
  • 10
    Premium payment is subject to income tax exemption as per section 80D of the Income Tax Act.
  • 11
    Bharti AXA Health insurance is a partner with over 4,500 hospitals across India. In the network hospitals, policyholders can avail the benefit of cashless claims.

Types of Bharti AXA Health Insurance Plans

As discussed above the company designed customised products which can meet different needs of customers at a really affordable premium. Following are the types of Bharti AXA Health Insurance Policy from which you can choose a cover as per your convenience.

  • Bharti AXA Smart Health Insurance Policy
  • Bharti AXA Smart Super Health Insurance Plan
  • Bharti AXA Smart Health Critical Illness Insurance Plan
  • Bharti AXA Smart Personal Accident Insurance Policy

Bharti AXA Smart Health Insurance Policy

Bharti AXA Smart Health Insurance Policy

Bharti AXA Smart Health insurance policy is to protect you against all the expenses out of hospitalisation. The insurance offers discounts on renewing the policy in every successive claim-free year along with zero income tax on the premiums paid.

Bharti AXA Smart Health Insurance Policy Special Features:

  • Offers a sum insured amount between Rs. 5 lakh and Rs. 1 crore as per need of an individual.
  • Offers pre-hospitalisation for 60 days and posts hospitalisation for 90 days of hospitalisation of the policyholder.
  • Any type of daycare treatment charges is also covered under the Smart health insurance.
  • In case of critical illness, a lump sum amount is offered to the policyholder under the Policy.
  • Ambulance charges up to Rs. 3000 per event can be reimbursed.
  • Offers a no claim bonus of up to 100% of the total sum assured.
  • The policyholder can get the benefit of free annual health check-up once every 4 years.
Entry Age/Eligibility91 days – 65 years
Policy Period12 months
RenewabilityLifetime
Medical ScreeningAs per the policy document
BasisIndividual or Family Floater
Sum AssuredRs.3, 4, 5, 7, 10, 15, 20, 25, 50 or 60 lakhs (Chosen coverage can be enhanced at renewal), Double the insurance coverage in case of critical illness
BenefitsRenewal discount ranging from 5% - 25% for each claim-free policy year.
Income Tax Benefit under Section 80D of the Income Tax Act, 1961

Bharti AXA Smart Super Health Insurance Plan

Bharti AXA Smart Super Health Insurance Plan

The Smart Super Health Insurance Policy offers three variants from which you can choose the optimum sum insured according to your requirements. Following are the three variants of Bharti AXA Smart Super Health Insurance Policy:

  • Value Plan
  • Classic Plan
  • Uber Plan

This plan not only provides coverage during hospitalization and its expenses but also offers many more add-on benefits.

Bharti AXA Smart Super Health Insurance Plan Special Features:

  • Pre and post hospitalization charges are covered prior to 60 days and after 90 days of hospitalization.
  • Provides coverage for expenses during hospitalization, treatment when hospitalized, daycare treatment.
  • Restoration of 100% sum assured is applicable on spending the whole amount.
  • AYUSH treatments, charges including organ donors and in-home hospitalizations are also covered under the plan.
  • Ambulance charges upto Rs. 3000 per case can be reimbursed.
  • Outpatient expenses are also covered such as emergency treatment, dental check-up along with convalescence benefit.
  • Additional benefits like hospital cash, maternity expenses are available under the plan.
  • Total sum assured will be paid on diagnosis of a listed critical illness.
Entry Age/EligibilityAs per the policy document
BasisIndividual or Family Floater
Sum AssuredValue Plan: Rs. (5-7.5) lakhs
Classic Plan: Rs. (15-20) lakhs
Uber Plan: Rs. 20 lakhs to 1 Crore
Benefits100% No Claim Bonus of the sum insured
Annual health check-ups
No room rent expenses
Choose from Rs. 5 lakhs to Rs. 1 Crore

Bharti AXA Smart Health Critical Illness Insurance Plan

Bharti AXA Smart Health Critical Illness Insurance Plan

Critical illness is not at all cheap and in most cases, it requires expensive treatment. The Bharti AXA Smart Health Critical Illness Insurance Plan aims directly on the critical illness treatments. The policy allows the bearer to have the benefit of a lump sum amount at the time of payout.

Bharti AXA Smart Health Critical Illness Insurance Plan Special Features:

  • One can avail lifelong renewability benefit under the plan.
  • Offers free to look up period of 15 days to the policyholder.
  • Hospitalisation expenses such as pre and post-hospitalisation cover are offered to the customer.
  • Other expenses such as home nursing charges, ambulance charges, children education fund, hospital cash allowance and etc are also offered.
  • One can have assured sum from Rs. 2 lakhs to Rs. 5 lakhs. But the sum insured can be enhanced at the time of the insurance policy renewal.
  • Offers cover for the following 20 critical illnesses –
  1. First heart attack
  2. Cancer
  3. Heart valve surgery
  4. Coronary artery disease
  5. Aplastic anaemia
  6. Coronary artery bypass surgery
  7. Stroke
  8. Surgery to aorta
  9. End-stage liver failure
  10. Kidney failure
  11. Major Burns
  12. End-stage lung disease
  13. Multiple sclerosis
  14. Coma
  15. Terminal illness
  16. Organ/bone marrow transplantation
  17. Fulminant hepatitis
  18. Primary pulmonary hypertension
  19. Motor neurone disease
  20. Primary pulmonary hypertension
Entry Age/Eligibility91 days-65 years Family floater cover can be purchased for self, spouse, and two children up to 23 years of age
Policy Period12 months
RenewabilityLifelong renewability
Medical ScreeningUp to 50% of the pre-policy medical screening expenses will be reimbursed by the insurer
BasisIndividual or Family Floater
Sum AssuredRs. 2 lakhs, Rs. 3 lakhs, and Rs. 5 lakhs.
Additional BenefitsIncome Tax Benefit under Section 80D
Renewal discount ranging between 5% - 25% of the sum insured
Free-look period of 15 days
Medical examination cost reimbursement
Pre-existing diseasesPre-existing diseases can be covered after a period of 4 policy years
Grace PeriodA 30-day grace period is provided to policyholders to renew online their policy

Bharti AXA Smart Personal Accident Insurance Policy

Bharti AXA Smart Personal Accident Insurance Policy

There is no surety and security while an individual is riding on the Indian roads. Bharti AXA smart Personal Accident Insurance Policy offer cover for the accidents that may result in death or permanent disability of an individual. Anyone who is Indian resident and above 18 years of age.

Bharti AXA Smart Personal Accident Insurance Policy Special Features:

  • Sum assured under the insurance policy can be enhanced during the policy renewal. The sum assured is Rs. 10 lakh, Rs. 20 lakhs, Rs. 30 lakhs.
  • Covers the expense that is caused due to the transportation of the mortal remains of the policyholder due to accidental death. It also covers the total funeral expenses of the policyholder in case of death.
  • Temporary or permanent disablement is also covered under the plan.
  • Offers daily cash allowance of the hospitalisation.
  • Inpatient physiotherapy charges of the policyholder required due to the accident are also covered under the plan.
  • Offers the double benefit that means 200% of the sum insured amount in case of death or total permanent disablement of an individual during an accident caused while the policyholder is travelling by public transport.
Entry Age/EligibilityAny Indian resident over the age of 18 years
RenewabilityLife-long renewability
Sum AssuredRs. 10 lakhs, Rs. 20 lakhs, and Rs. 30 lakhs. Sum insured can be enhanced at the time of renewing one’s policy.
Additional BenefitsIncome Tax Benefit under Section 80D
Policyholders are eligible to avail a cumulative bonus for every claim-free year
Free-look period of 15 days
Grace period of 30 days is provided to policyholders to renew their policy
PortabilityYes

Bharti AXA Health Plans Inclusions

  • Premium amount paid for Bharti AXA Health Insurance is exempted from tax under section 80 D of the Income Tax.
  • The insurance policy can be ported in case insured want to switch to some other insurer with the same benefits.
  • Any injury or disease that requires domiciliary hospitalisation (care and medical treatment at home) and exceeded 3 days will also be covered under the Bharti AXA Health Insurance.
  • If the treatment is taken from a network hospital then policyholder can enjoy the benefit of cashless treatment.
  • The emergency ambulance charges used for the policyholder are also covered.
  • The pre-existing diseases are covered after the 4-year consecutive renewal of the policy.

Bharti AXA Health Plans Exclusions

No matter how beneficial insurance policy is, there are always a few exclusions which are not covered in the plan. One should read the terms and conditions thoroughly before buying an insurance policy as exclusions may differ from one insurance policy to another. Following are a few basic exclusions of Bharti AXA Health Insurance Policy that one should take care

  • Bharti AXA Health insurance does not offer any coverage of the expenses that incurred from the hospitalisation of policyholder due to some disease or illness that was born or detected within 30 days of the inception period of the insurance policy.
  • Note – the same clause is not applicable for any type of subsequent policy renewals.
  • Any type of laser surgery or cataract surgery expense is not covered under the Bharti AXA Health insurance.
  • If your treatment requires replacement of joints without any accidental injury, (due to some internal body illness) then the expenses are not covered under the Bharti AXA Health insurance.
  • Any type of dental treatment is also excluded under the Bharti AXA Health insurance.
  • Any sexually transmitted disease, AIDS, HIV or any treatment that requires circumcision and a sex change is also not covered under the Bharti AXA Health insurance.
  • Bharti AXA Health insurance does not offer coverage for the treatment of ulcers, gastric problems and etc.
  • Any type of skin condition treatment is also not covered under the Bharti AXA Health insurance be it, nodules, internal tumours, breast lumps, cysts, etc.
  • Any rehabilitation, mental disorder treatment, stress, depression counselling and medicinal treatment coverage is not offered by the Bharti AXA Health insurance.
  • Suicide cases are excluded from the Bharti AXA Health insurance.
  • Any injury or illness that is caused due to addiction or excessive intake of illegal toxic drink like alcohol or drugs is also not covered under the Bharti AXA Health insurance.

Factors Affecting Health Insurance Premium

  • You should be very clear how much sum insured you require. Sum insured is the maximum amount that a policyholder can get from the insurance provider at the time of claim. It is very crucial to calculate the sum insured properly. One should consider factors like lifestyle, marital status, family requirements, financial situations and etc.
  • Calculate premium for your health insurance online easily sitting at home by using the health insurance calculator.
  • Age of the individual who is seeking health insurance also matter while he/she wants to buy an insurance policy. Young age means a healthy body and less premium amount. With increasing age, the human body tends to become more prone to various health diseases, illness and this result in increased premium amount. Hence keep a check on the age of the one or your age while buying an insurance policy.
  • The number of family members to be insured also matters while you are looking for a health insurance policy. If you are alone and do not have anyone to look after then individual health insurance plan is the best, while if you have a family to look after then family floater plan will suit you the best. Sum assured in case of the family floater plan will be more than the sum assured in individual health insurance will be less.
  • Many individuals opt for the Bharti AXA health insurance for pre-existing illness. Terms and conditions for various plans differ and one of the basic differences between the other health insurance plans and the pre-existing illness cover is the minimum waiting period. Company require awaiting a period of year 2-4 years before it offers pre-existing medical cover. Also, there are insurance covers under which an upper limit for a daily amount which is spent on medical treatment such as hospitalisation is offered to the policyholder.

Why Go For Bharti AXA Health Insurance Policy?

Who can avoid their healthcare needs? No one can actually ignore health care needs because health directly affects everything. But, sometimes, due to circumstances, it gets quite hard to continue the life of routine life along with the expense of your healthcare. This is when health insurance comes in the picture. The health insurance sector is emerging at a very fast rate in India. It is because of the following factors –

  1. Nowadays there is no guarantee which new disease will emerge suddenly as the disease is increasing, hence one needs to be prepared.
  2. Along with other sectors, the medical sector cost is also Skyrocketing. Even from minor disease to medical treatment like hospitalisation etc. Everything is getting so expensive that an individual, who is a bread earner, finds it hard to maintain economic balance.
  3. Busy life routines resulting in neglecting healthy life which further leads to a body full of illness which needs assistance.
  4. With education, there is awareness and planning of the future for a better and balanced secure life in our society. If you are bread earner of your family and suffer from some critical disease which needs immediate medical treatment, how your family will manage it? People understand such situation and lookup for health insurance as an answer.
  5. If we calculate, we spend much money time unknowingly and realise later on that it was a waste of money. And at the time of need, you just shed tears. Health insurance gives a chance to you to invest money in a wise way that gives return (in for of claim) during the hour of need, so there is no dependency on anyone during the hour of need for economic help.

Bharti AXA General Insurance Company Reviews

Bharti AXA General Insurance is one of the best insurance companies in India. It is one of the most progressive and transparent insurance service providers with a clear track record of claim settlements and constant offers for the customers, thus receiving excellent reviews.

As per the policy formulations by IRDA (Insurance Regulatory and Development Authority of India), Bharti AXA is liable to pay 100% of the Sum Assured in the cases of accidental death, irrecoverable losses such as eyes, hands, feet (both), paralysis (total), all fingers and both thumbs, and complete or permanent disability.

Bharti AXA has achieved overall 19 awards till today in the past few years from the year 2011. Recently, in 2019 Bharti AXA has been awarded by the General Insurance Company of The Year - Large (Private Sector) at ET Now presents BFSI Awards, 2019 and Micro Insurance Leader - General Insurance at ET Now presents BFSI Awards, 2019.

Bharti AXA Health Insurance Claim process

Claim for Bharti AXA Health Insurance online, a simple and accessible process that can be easily done in a few easy steps. There are two authorised ways to make a claim under the Bharti AXA General Insurance Company. One has to seek authorisation as per the insurance terms and conditions. After following the whole process systematically, one can obtain the claims. Two ways of making claim under Bharti AXA Health Insurance Policy are –

Cashless Claim Process

The cashless claim can be made if the individual got treatment from the network hospitals.

  • In the network hospital, fill up the cashless claim request form with all relevant details like policy number etc. and submit the same at the insurance help desk or just fax it at the number which is indicated in the mentioned form.
  • Then after the authorisation of your claim, you will receive an authorisation letter by Bharti AXA Health Insurance or by its TPA. You may set the bill directly with hospitals.
  • In case of rejection, a letter with the reason for claim rejection will be sent along with the response.
  • In case of planned treatment at the network hospitals, the policyholder can fill the claim cashless request forms and submit it at the insurance desk of the hospital, 4 days prior.
  • The policyholder and the hospital will be informed within 6 hours of receiving the cashless claim via email and SMS.
and

Reimbursement Claim Process

  • In the case of reimbursement, Bharti AXA Health Insurance should be informed without 48 hours of hospitalisation.
  • In the reimbursement claim, the insured bill is paid to the hospital directly, but original documents of hospitalisation are required.
  • After submission of the following important documents, Bharti AXA health insurance releases the payments within 21 days of the submission.

Documents required-

  • First prescription for the illness
  • Hospitalisation document in which doctor have suggested the same.
  • Final original bills and every other bill you paid for your treatment at the hospital
  • All test report, their bills and receipts/ Original test (lab) records.
  • Bills of all external medicines with original prescription if any.
  • Medical fitness certificate
  • Attending doctor’s prescription/statement
  • Complete claim form

More About Bharti AXA Health Insurance

  • KYC - Proof of ID and Proof of Address such as PAN card, Adhaar card, Passport, Voter ID, etc.
  • Proof of Age and address for self and each beneficiary such as such as a copy of driving licence, Voter ID card, birth certificate, school leaving certificate and etc.
  • Medical check-up/report if specified and mandatory by your health insurance policy.

Bharti AXA General Insurance allows it customers to renew their existing insurance policy directly from the online portal of the company. For the same, all you have to do is visit the online portal, click on the renewal option. For the same, next you have to do is to fill some basic details about your and your policy such as policy no., policy expiry date, name, email id and mobile number. After submitting the online application form, the company will redirect you to the payment page where you have to recharge the premium using net banking/credit/debit card. This same process is also applicable for buying a new health insurance plan.

For any of your queries, you can share an email at customer.service@bhartiaxa.com.

To deal with grievances, call upon the toll-free number that is 1800-103-2292 (Toll-free).

One can also request back by registering his/ her contact number at the Bharti AXA Health Insurance website.

1. why should I choose Bharti AXA Health Insurance policy above any other health insurance policy?

Bharti AXA Health Insurance is quite transparent and gives customer support 24*7 with a promise of smooth claim settlement. Apart from that few important aspects of Bharti AXA Health Insurance policy are –

  • Domiciliary Hospitalization resulting in treatment at home rather than hospitals is also covered.
  • Day care treatment is covered hence even if you hospitalise for less than 24 hours your expenses will be taken care off.
  • Holistic hospitalization expense coverage
  • Expenses pertaining to pre and post hospitalization of policyholders are covered.
  • Pre-existing diseases get covered after the 4th year of policy renewal.

2. Which one is easy, weather to purchase Bharti AXA Health Insurance policy online or offline?

This is the digitalisation age. The digitalisation of things makes things quite easy and within the reach of everyone. It is completely your choice whether you want to buy an insurance policy online or offline as you will get complete support by Bharti AXA Health Insurance Company. Buying health insurance policy online is easy as you just have to go to the website, and you would also get a free quote online and the instant issue of policy. You just have to fill the application form and pay the premium amount of through online mode of payments like debit card, net banking or credit card. The policy documents would be posted as well as e-mailed to you by the Bharti AXA Health Insurance Company.

3. What is called the claim settlement ratio?

Claim settlement ratio of Bharti AXA Health Insurance policy is the number of insurance policy claims settled by the insurer against the total number of claim request received by the company.

4. What is the Bharti AXA Health Insurance policy minimum sum assured and maximum sum assured?

The sum assured is the maximum amount that an individual can seek from the Bharti AXA Health Insurance policy during claim settlement. The Minimum sum assured that you get under a Bharti Axa Health Insurance is Rs. 2 Lacs, while, the maximum is Rs. 5 Lacs.

5. How can I change the sum assured of my Bharti AXA Health Insurance policy?

Sum assured of the Bharti AXA Health Insurance policy can be changed at the time of the renewal of the health insurance policy.

6. How to renew the Bharti AXA Health Insurance policy after a year online?

You can directly renew the Bharti AXA Health Insurance policy from its online website as you bought the new insurance policy. You just have to visit the online portal and select the renewal option. Then you have to fill in your information required for renewal, such as details of the policy number, policy expiry date, name, email id and mobile number. Post submission of the documents, you will be redirected to the payment page where you can pay for the renewal via credit/debit card or net banking.

7. What is the ideal age to buy a Bharti AXA Health Insurance policy?

A young body is quite healthy and less prone to health disease as compared to someone who is old and who has the various illnesses. Premium amount for young age policyholders is also less. Moreover, in case of any emergency young people may not have that good amount of saving for the health treatment hence, Bharti AXA Health Insurance policy should be availed as soon as possible to enjoy maximum benefit.

8. How to get the list of the Bharti AXA Health Insurance network hospitals in my city?

Log on to the Bharti AXA Health Insurance website. You have to click on the health insurance tab where you will see to option of Network hospitals. Just by clicking, you can see all the list of the network hospitals around the corner that fall under the Bharti AXA Health Insurance.

9. What is the benefit of the Bharti AXA Health Insurance network hospitals?

The benefit of the Bharti AXA Health Insurance network hospitals is the cashless treatment of the policyholder.

10. How can I cancel my Bharti AXA Health Insurance policy?

You have to think twice before cancelling the insurance policy as it is very crucial to have the safety cover of health insurance. Then you can cancel you Bharti AXA Health Insurance Policy just by submitting the surrender application at the nearest branch and you also have to pay a charge for cancellation.

11. What is claim settlement ratio?

Claim ratio is refer as the number of claims settled by the insurer as against the total number of claims received in a particular year.

12. Is cashless facility available?

Yes, buy buying Bharti Axa Health Insurance, you will be liable to receive a health card which you can use to avail cashless facility at partner hospitals.

13. How much insurance cover do I require?

Your insurance coverage depends upon a number of factors like age, way of life, city of residence, yearly income etc.

14. What is the right age to buy health insurance?

You should invest in a health insurance plan as soon as possible so as to avoid any medical emergency that may arise anytime and anywhere.

15. Are day care treatments covered under this scheme?

Only those day care treatments undershich people get treated quickly due to technological advancements are covered under this insurance policy. But, you must ensure to consult the list of inclusions and exclusions mentioned in your policy brochure.

- / 5 ( Total Rating)

Last updated on 12-11-2019