Bharti AXA General Insurance

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  • 4500+ hospital network
    Check in your City
  • 98.27% claim settlement ratio
  • 20853 policies issued
  • Tax benefit under Section 80D
  • No Claim Bonus (NCB) up to 100% SI
  • Annual health check-up is offered

About Bharti AXA

Bharti AXA General Insurance Company Limited, an award-winning insurance player in India, is a joint venture between Bharti Enterprises (leading business groups with interests in agricultural business, telecom, financial services, and retail) and AXA business Group (a French multinational insurance firm). Started its operations in 2008, Bharti AXA has got the credit of being the first company in the general insurance industry to receive dual certifications of ISO 9001:2008 and ISO 27001:2005.

Headquartered in Mumbai, Bharti AXA is concerned with everyone. That’s why, it offers a vast range of insurance products, catering to rural, retail, and commercial clients. The primary insurance products include car insurance, health insurance, critical illness insurance, personal accident insurance, two wheeler insurance, travel insurance, etc. The company also offers third-party motor liability insurance and other products.

Key Highlights

  • Operates at 101 branches around the country
  • 98.27% Claim Settlement Ratio (CSR)
  • 1.3 million policies issued
  • PAN India cashless network hospital
  • A health check-up is offered on an annual basis 
  • No sub-limits or capping is applicable on room rent
  • Pre & post hospitalization coverage 
  • No Claim Bonus (NCB) is provided up to the amount of 100% of SI
  • Fast cashless hospitalization across 4500+ network hospitals
  • 24x7 claim assistance & strong customer support available

As a faithful promoter of good health, Bharti AXA consistently strives to ensure that every person avails the best possible treatment. So, it offers health insurance policies that protect individuals, families, expecting mothers, senior citizens, and employees.

The two major health insurance plans of Bharti AXA are Smart Super Health Insurance Policy and Smart Health Insurance Policy. Bharti AXA envisions to be the preferred general insurance company for its customers, employees, society, corporation, etc. Besides, the company is committed to offering unparalleled and empathetic service to every Indian and protect them from rising medical expenditures. 

Bharti AXA General Insurance Plan List

Name of PlanSum Insured
Smart Health Insurance PlanMinimum: 18 years; Maximum: No limit3 Lakh Get Quotes Now
Smart Super Health PlanMinimum: 5 years; Maximum: 65 years5 Lakh Get Quotes Now

Claim Process at Bharti AXA General Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalization needs intimation within 24 hours and for planned hospitalization intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorization form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of Bharti AXA General Insurance at 18001024444.
  • 1

    Claim Intimation

    Emergency hospitalization needs intimation within 24 hours and for planned hospitalization intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of Bharti AXA General Insurance 18001024444.

Bharti AXA General Insurance User Reviews

  • Fine experience with Bharti AXA

    Bharti AXA is a good health insurer. Currently, I have a policy from Bharti AXA under which I have been provided with extensive coverage only at the cost of a low premium. The service is great as well. Bharti AXA has become my favorite because of its superb health insurance products offering vast returns. Recommended!

    Manjul Pandey
    On: May 08, 2019 | Views
  • Good policy. Extremely helpful.

    It’s been a few months since I purchased Bharti AXA health insurance policy. My experience with Bharti AXA until now has been a great one. The coverage is good and the premium is low. All in all, the returns with Bharti AXA’s policy are worth investing in. 

    Tarun Chaudhary
    On: May 06, 2019 | Views
  • Above average experience

    I am thankful to insurancedekho for recommending Bharti AXA to me. My investment in the insurer has been fruitful. The plan covers my complete family. Not only the coverage is extensive, but the claim process is also simple & prompt. Bharti AXA is definitely the best health insurance investment ever! Highly recommended!

    Priya Agarwal
    On: May 03, 2019 | Views

Latest Bharti AXA General Insurance News

Bharti AXA General Insurance Contact Details

Reach us for help anytime
  • Bharti AXA General Insurance FAQs

  • Who can buy Bharti AXA’s policy?

    Any Indian between the group of 5 years and 55 years can buy the health insurance policy of Bharti AXA.

    How can I buy Bharti AXA health insurance plans?

    You can buy and apply for any Bharti AXA Health Insurance Policy online from the official website of Bharti AXA Health Insurance at or you can call at 022-6118-8888. Also, you can purchase through online broker’s website like

    Are pre-medical tests required to buy a health insurance policy?

    No, pre-medical check-up is not required to buy any policy until you are up to 45 years old.

    Are family members covered under the Bharti AXA critical illness policy?

    Yes, but the policy should be issued on a Floater Basis. Family members of the insured, comprising spouse and two dependent children (age group of 5 to 55 years, are covered.

    Is critical illness cover important for young people?

    Yes, it is important for young people. This is because, critical illnesses can occur to anyone irrespective of their age.

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