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Bharti AXA Health Insurance

A well-known name in the insurance industry, Bharti AXA General Insurance Company Ltd. is a joint venture between AXA group and Bharti Enterprises. They provide a wide range of health insurance products.

Features & Benefits of Bharti AXA Health Insurance

  • Hassle-free claim settlement: All claims are settled in an efficient and time bound fashion without causing any inconvenience to the policyholder at the time of an emergency.
  • Extensive coverage: The plans provided by Bharti AXA provide comprehensive coverage with a host of other benefits and advantages.

Plans provided by Bharti AXA Health Insurance

Plan Name Plan Basis (individual, family, etc) Sum Insured (Min and Max) Policy Term
Bharti AXA Smart Health Individual and Family Rs.2 lakh, Rs.3 lakh or Rs.5 lakh As mentioned in the policy document
Smart Critical Illness Plan Individual and Family Rs.2 lakh, Rs.3 lakh or Rs.5 lakh As mentioned in the policy document
Smart Personal Accident Insurance Individual Up to Rs.30 lakh As mentioned in the policy document

Bharti AXA Smart Health

The Bharti AXA Smart Health insurance policy is a comprehensive plan that provides extensive coverage for both individuals and families.

Unique Features of Bharti AXA Smart Health

  • All expenses related to hospitalization, pre and post treatment care are included in the policy
  • No upper limit on room rent
  • Tax benefit applicable
  • Coverage for pre-existing diseases
  • Other benefits include day care treatment, domiciliary care
  • Coverage also provided for specified critical illnesses
  • Ambulance charges, daily allowance, organ transplantation, home nursing

Plan Details

Policy term As mentioned in the policy document
Entry Age 91 days to 65 years
Plan Basis Individual and Family
Sum Insured Range Rs.2 lakh, Rs.3 lakh or Rs.5 lakh
Premium Depends on age, sum insured, etc
Medical Screening As mentioned in the policy document
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes

Smart Critical Illness Plan

The Critical Illness Plan provides coverage to a list of specified health ailments while providing other benefits.

Unique Features of Smart Critical Illness Plan

  • Option to enhance sum insured, tax benefit applicable
  • Coverage to as many as 20 critical illnesses
  • Cashless claim network, life long policy term

Plan Details

Policy term As mentioned in the policy document
Entry Age No maximum age
Plan Basis Individual and Family
Sum Insured Range Rs.2 lakh, Rs.3 lakh or Rs.5 lakh
Premium Depends on age, sum insured, etc
Medical Screening As mentioned in the policy document
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes

Smart Personal Accident Insurance

The Smart Personal Accident Insurance plan provides protection against unfortunate events to the policyholder and his/her family.

Unique Features of Smart Personal Accident Insurance

  • Coverage will be provided under the policy in case of death or disability
  • Tax benefit applicable, option to enhance sum insured
  • Coverage for any legal expenses, daily cash allowance
  • Medical expenses in case of accident

Plan Details

Policy term As mentioned in the policy document
Entry Age 8 to 70 years
Plan Basis Individual
Sum Insured Range Up to Rs.30 lakh
Premium Depends on age, sum insured, etc
Medical Screening As mentioned in the policy document
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes

Checklist before Buying Bharti AXA Health Insurance

  • Finalize and decide on the coverage required based on personal, health and family needs
  • Finalize the sum insured and premium amount
  • Carefully take a look at all the exclusions in the policy document
  • Read the policy document thoroughly
  • Choose from among the add-on options
  • Keep all documents ready

Documents Required for Purchasing Bharti AXA Health Insurance

  • Any id-proof
  • Address proof
  • Medical reports, if asked

Reasons to choose Bharti AXA Health Insurance

Customizable plans
Flexible sum insured options
Easy purchase and renewal

Incurred Claim Ratio of Bharti AXA Health Insurance

The incurred claim ratio is usually referred to as the maximum number of claims settled by the insurance company during the course of the year. The figure is calculated using a formula and is usually published as a percentage figure.

Year Incurred Claim Ratio
2015-16 85.41%

Extra Benefits from Bharti AXA Health Insurance

Quick Pay The Quick Pay option allows customers to make payments while buying an insurance policy. This provides prospective buyers an easy, step-wise method to make payments in a faster manner.

Bharti AXA Health Insurance Renewal

Bharti AXA Health Insurance plans can be renewed online by logging on to their website or by making a call on the toll-free number. Renewing policies are a hassle-free and easy process.

Bharti AXA Health Insurance Network Hospitals for Cashless Treatment

Bharti AXA has a nationwide network of cashless claim hospitals where policyholders can avail direct healthcare services without any hassles. To locate the nearest network garage, log on to their website.

Claim Procedure in Bharti AXA Health Insurance

How to make a cashless claim:

  • Inform the insurance provider immediately
  • Seek prior approval, provide health card
  • Bills will be paid by the insurance company directly to the network hospital

How to make a reimbursement claim:

  • Fill claim form
  • Bills, invoices, and discharge summary should be kept ready
  • Submit the relevant documents along with the claim form
  • Reimbursements will be made within 7 working days

Terms and Conditions of the Insurer

  • The insurance provider can cancel the policy at if any details furnished by the policyholder is untrue, misrepresented or concealed.
  • Any claim form that has not been filled completely, will not be processed
  • All claim should be made within the stipulated time period mentioned in the policy
  • Claims cannot be made for any exclusions