Bharti AXA General Insurance Company (Bharti AXA GIC) is a joint stake company between Indian conglomerate Bharti Enterprises and American based global insurance leader AXA. The general insurance company was set up in August 2008 in which Bharti holds 51% stake and AXA holds 49% stake.
At present it has 87 branches all over India and are a total insurance service provider in the general insurance sphere. Its Health insurance products are enabling people all over India to avail quality healthcare services during times of need.
One never knows when one’s health can fail. Health is an aspect of life that is fraught with most uncertainties and being unprepared in those situations can prove to be financially detrimental. Health insurance cover just costs a little in terms of premiums but provides adequate cover to pay for medical expenses should there arise such a need.
If policy holder and covered members under health policy are struck by health related problems as covered under the policy and during any time when the policy is in force then they are entitled to receive treatment expenses from the insurer which can be up to the limit of sum assured opted under the policy.
In addition to this primary benefit, health insurance also confers a dual benefit for those who fall under the income tax bracket.
As per section 80 D of the Income Tax Act 1961, tax payers who purchase health insurance policy are eligible for deductions in taxable amount. Tax payers should most certainly take advantage of this feature as if they purchase a health insurance policy they will be taxed less by a certain amount and that amount can almost be equal to policy premium or be a large part of it, depending upon the cover amount sought.
IRDAI licensed insurance company
Dual ISO certifications of ISO 9001:2008 and ISO 27001:2005
Customer centric proven performance
Profitable and financially sound track records
Complete range of health insurance products
More than 4300 pan India hospitals network
1.3 million policies issued (most recent company data)
Claim settlement ratio of 98.27 %
Country wide presence through third party administrators
Cashless settlements in networked hospitals
Online presence and online processes
All time emergency support and toll free numbers
Customized health cover plans
Individual as well as family cover plans
Plans with optional features
Minimum sum assured Rs 2 lakhs
Maximum sum assured Rs 60 lakhs
Lifetime renewal feature
Critical illness cover
Hospital expenses cover
Day care expenses cover
Domiciliary treatment expenses cover
Ambulance charges cover
Organ donor treatment cover
Pre and post hospitalization expenses cover
No claim years benefits
Free look period
Bharti AXA provides a complete health insurance policy kit to subscribers who purchase the policy and becomes its policy holders. The policy kit contains:
The health insurance policy document mentions all details of the policy and these include
Number of members
Sum assured per member
Health conditions covered
Riders covered if any
Inclusions and exclusions
Terms and conditions
Zonal wise list of third party administrators
Zonal wise toll free numbers and contact numbers
Zonal wise list of networked hospitals
The health insurance policy kit contains policy cards of all the covered members and the policy cards bear their names and policy numbers and the toll free emergency numbers.
Treatment for covered health conditions can be availed in the networked hospitals for which cashless claims facility can be availed through the zonal third party administrators. Policy holders or covered members may need to avail planned or emergency treatments. If treatments are planned and are to be undergone in any of its networked hospitals then the concerned third party administrator (TPA) will need to be informed well in advance preferably as soon after the treatment has been planned. In case of emergencies also TPA has to be informed at the earliest. The cashless settlement is made directly with the TPA and the networked hospital.
Several times treatments may have to be sought in hospitals which are not included in our networked hospitals list. For such treatments which are covered under the policy, covered members or policy holders should procure all bills and submit it along with claim form to the concerned TPA. The claimed amount is released within 21 days if verification is successful. If claim is declined then policy holder is sent written information stating the reason for claim decline.
It is advisable for policy holders and covered members to always keep their policy cards with them as well as list of networked hospitals, TPAs and toll free numbers as well as other contact numbers. Should they need to call the TPAs for assistance they would need to provide their policy numbers. While considering treatment at any hospital it is best to choose nearest networked hospital in their zones.
Also if policy holders or covered members are befallen by a situation requiring police intimation then the same must be carried out at earliest and FIR copy should be taken.
Policy holders and members covered under the critical illness health cover plan need to inform the company regarding their critical illness as soon as they are diagnosed with that particular illness. They can seek benefit of treatment expenses from the insurer as per as terms and conditions of their health policy if the particular critical illness is covered under our 20 critical illnesses.
For availing claim benefit for critical illness treatment policy holders would need to support their claim forms with the diagnosis reports and certificates of attending doctors along with the tentative date of seeking treatment in the chosen hospital.
The premiums are based on flat rates and can be calculated online by mentioning type of plan required, the sum assured, policy tenure, policy holder age, number of members.
Bharti AXA also provide assistance to policy seekers through mail or phone or at the contact numbers or addresses provided by them.
We provide our subscribers a free look period of 15 days within which they can thoroughly review the policy wordings, understand the terms and conditions, inclusions and exclusions of the policy.
If in case subscriber is not satisfied with policy terms and conditions then s/he may return back the policy document to the comapny upon which the policy will stand cancelled.
-Personal Accident Insurance
Bharti AXA General Insurance Co. Ltd.
First Floor, The Ferns Icon,
Survey No. 28 Next to Akme Ballet, Doddanekundi,
Off Outer Ring Road, Bangalore - 560037
Phone no:080-40260100 Fax. No 080-40260101
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