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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 good 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 to cater 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 different needs of customers, thus customized its plans in a way which makes it the most preferred choice among users.
|Sum Insured||5 Lakh to 1 crore|
|Incurred Claims Ratio||82.97%|
|Waiting Period for Pre-existing Disease||4 years|
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
The smart Health Insurance Policy offers three variants from which you can choose the optimum sum insured depending on the variant that an individual choose. Following are the three variants of Bharti AXA Smart Super Health Insurance Policy
|Entry Age/Eligibility||91 days – 65 years|
|Policy Period||12 months|
|Medical Screening||As per the policy document|
|Basis||Individual or Family Floater|
|Sum Assured||Rs.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|
|Benefits||Renewal discount ranging from 5% - 25% for each claim-free policy year income.Tax Benefit under Section 80D of the Income Tax Act, 1961|
There are so many diseases and among them, if anyone suffers from any type of critical illness than it is the greatest trauma for your economic life. 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.
|Entry Age/Eligibility||91 days – 65 years Family floater cover can be purchased for self, spouse, and two children up to 23 years of age|
|Policy Period||12 months|
|Medical Screening||Up to 50% of the pre-policy medical screening expenses will be reimbursed by the insurer|
|Basis||Individual or Family Floater|
|Sum Assured||Rs.2 lakh, Rs.3 lakh, and Rs.5 lakh.|
|Additional Benefits||Income 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 diseases||Pre-existing diseases can be covered after a period of 4 policy years|
|Grace Period||A 30-day grace period is provided to policyholders to renew their policy|
There is no surety and security while an individual is riding on the Indian roads. Sometimes due to the mistake of an individual or sometimes mistake of someone else, accidents can turn into a nightmare for you and your loved ones.
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 over the age of 18 years can avail the benefit of the Bharti AXA smart Personal Accident Insurance Policy.
|Entry Age/Eligibility||Any Indian resident over the age of 18 years|
|Sum Assured||Rs.10 lakh, Rs.20 lakh, and Rs.30 lakh. Sum insured can be enhanced at the time of renewing one’s policy.|
|Additional Benefits||Income 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|
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 -
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 –
Claim process of Bharti AXA Health Insurance Policy is simple and can be easily done in a few easy steps. There are two authorised ways to make a claim under the Bharti AXA Health 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.
Reimbursement Claim Process
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 firstname.lastname@example.org.
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 –
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.
Last updated on 09-08-2019