Bharti AXA Health Insurance

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4,500+ Network Hospitals

21,829 Policies Issued

89% Incurred Claim Ratio

Lifelong Renewability

78.23% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

About Bharti AXA General Insurance

Bharti AXA General Insurance Company Limited is a joint venture between Bharti Enterprises and AXA. The joint venture company has a 51% stake from Bharti Enterprises and a 49% stake of the AXA Group. The firm started its operations in 2008 to offer general insurance products to retail and commercial clients. In India, the insurer holds a strong presence with 135 branches through which it offers insurance services for health and critical illness, motor and two-wheeler, individual and family travel, property and business, and crop insurance.

The Bharti AXA General Insurance has been widely appreciated over the years for its innovative insurance solutions and unparalleled and empathetic services. It delivers a range of health insurance products to offer medical coverage to individuals as well as families. The dedicated efforts of the company have been recognized and awarded in the industry with various awards such as Best Use of Technology Award by Assocham 2020, Customer Service Excellence Award at BFSI Awards 2019, Claims Service Of The Year Award at BFSI Awards, 2018 and many more. 

How to Purchase Bharti AXA Health Insurance Policy at InsuranceDekho?

Policyholders can purchase Bharti AXA health insurance plans online and offline methods at InsuranceDekho.

Buy Bharti AXA Health Insurance Plan Online at InsuranceDekho

Follow the below steps to buy a Bharti AXA health insurance plan at InsuranceDekho:

Step 1: Visit the website of InsuranceDekho, i.e., and select the ‘Health’ tab.

Step 2: Select your Gender and fill your Name and Mobile Number. Entering these will get you an ‘OTP’, please enter that.

Step 3: Select the time when you want to purchase the health insurance plan. Click on the ‘View Instant Quotes’ to continue.

Step 4: Select the members of your family whom you want to add in the health insurance plan along with you.

Step 5: Select the age of the family members whom you have added in the policy and click on the ‘Continue’ button.

Step 6: Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. Multiple health insurance policy quotes will appear based on your selections. Select a plan as per your budget and requirements.

Step 7: Select the policy term of the selected health insurance plan. Fill the required details and make the payment to complete the insurance policy purchase process.

Buy Bharti AXA Health Insurance Plan Offline at InsuranceDekho

To buy a Bharti AXA Health Insurance plan offline at InsuranceDekho, you can get in touch with us at 7551-196-989 between 9.30 AM to 6.30 PM (Monday-Sunday).

For any health insurance-related questions or assistance, please connect with us at

Top Bharti AXA Health Insurance Plan Types

Bharti AXA health insurance covers its policyholders against medical expenses arising due to the treatment of illness and/or injury. Here are the top health insurance plans offered by the insurer to fulfil your diverse healthcare requirements:

1. Smart Health Assure Health Insurance Plan – The Smart Health Assure Plan is a complete health insurance package. It offers cover for people within the age group 91 days to 65 years with a lifelong renewability option. The plan comes with the sum insured options ranging from Rs. 1 lakh to Rs. 4 lakh and policy term of 1 year, 2 years and 3 years. The salient features and benefits of this policy comprise in-patient treatment, organ donor expenses, day care treatment, AYUSH treatment, domiciliary hospitalisation, restoration of the sum insured, etc. In addition to these, the add-on benefits under this plan include maternity benefit, new born baby cover, hospital cash allowance, and critical illness benefit. 

2. Smart Super Health Insurance Plan – The Smart Super Health Insurance Plan can be issued to an individual as well as to a family. The minimum entry age of this cover is 91 days, while the maximum entry age is restricted for up to 65 years. It is available under three variants namely Smart Health Basic Plan, Smart Health Premium Plan and Smart Health Optimum, which offers the sum insured options from Rs. 50,000 to Rs. 5 lakh. The policy offers coverage for several benefits such as in-patient treatment, day care procedures, critical illness treatment, dread disease recuperation, transplantation of organs, hospital cash allowance and so on. 

3. Bharti AXA Arogya Sanjeevani Health Insurance Plan – The Bharti AXA Arogya Sanjeevani Plan offers coverage on an individual and family floater basis. The plan covers relationships like spouse, parents and parents-in-law, and dependent children within the age group of 91 days and 65 years who can be extended with lifelong renewability options. It holds um insured options from Rs. 1 lakh to Rs. 3.5 lakh with the policy period of 1 year. The benefits of this cover include in-patient expenses, AYUSH treatment, cataract treatment and so on. It also offers a cumulative bonus that will be increased by 5% in respect of each claim-free policy year. 

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A health insurance top-up policy is like a regular health insurance plan which is designed to offer additional coverage for the medical expenses incurred due to the treatment of injury and/or illness through hospitalisation, after the threshold limit or deductible of your existing policy is crossed. This concept helps you get an enhanced medical cover at an affordable price. This cover gives an extra medical cover for another claim in a policy year. 

Why Choose Bharti AXA Health Insurance?

Bharti AXA Health Insurance offers a range of offerings to its customers. Here are a few of them:

  • 4,500+ Cashless Hospitals – The insurance provider holds more than 4,500 hospitals in its network across the country where policyholders can get cashless treatment without any hassle.
  • 24/7 Customer Assistance – The customer care team of the insurer offers 24/7 dedicated support to the policyholders. It helps the insured persons to avail medical insurance facilities to the fullest.
  • Awards and Recognitions – The performance of Bharti AXA has been recognised with several awards such as Best Use of Technology Award by Assocham 2020, Claims Service Of The Year Award at BFSI Awards 2018, Customer Service Excellence Award at BFSI Awards 2019, etc.
  • Track Your Claim – The policyholders of the insurer can track their claim process by entering Claim Number or Policy Number along with the Policy Expiry Date. It is an easy way to know the status of their claim request. 

Benefits of Bharti AXA Health Insurance Plans

Here are the key benefits of Bharti AXA health insurance plans:

  • No Claim Bonus - If no claim is made in a policy year by a policyholder, then for each such policy year, the insurer will offer a No Claim Bonus or Cumulative Bonus of 50% of expiring policy sum insured not exceeding 100% for policyholders till 45 years of age and 20% of expiring policy sum insured not exceeding 100% for policyholders above 45 years till 65 years of age.
  • Portability Option – The portability is a benefit with which policyholders can switch from one insurer to another insurer. The policyholders can change their insurer and plan without losing any benefits accrued during the time of policy renewal only.
  • Lifelong Renewability – A lifelong renewability feature enables the policyholders to get their health insurance plans renewed for a lifetime. It makes them being covered under a health policy as long as they want with a continuous renewal of health insurance cover.
  • Annual Health Check-ups – The insurer will cover the cost of a medical check-up once at the end of a block of every four continuous years, provided no claims are made during the block. This benefit is limited to 1% of the average sum insured amount during the block of four years.
  • Restoration of Sum Insured – The 100% restoration of the sum insured is allowed for the particular policy year for all members in the policy if the basic sum insured and no claim bonus gets completely exhausted. The restored sum insured will only be allowed once during a policy year and shall be available only for any new or fresh illness or injury.  

Bharti AXA Health Insurance Claim Settlement Ratio

The Claim Settlement Ratio refers to a percentage of the number of settled health insurance claims against the total number of health insurance claims received by the insurer during a financial year. Below are the Claim Settlement Ratios of Bharti AXA Health Insurance for the last two consecutive years:

Financial Year

Claim Settlement Ratio

FY 2017-2018


FY 2018-2019


(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 3rd & 4th Edition)

Network Hospitals of Bharti AXA Health Insurance

The network hospitals are the healthcare facilities which are associated with the health insurance provider and offer cashless treatment to the policyholders of the insurer. The medical expenses incurred by the policyholders in the network hospitals are directly paid off by the insurance company after detailed verification. The Bharti AXA Health Insurance holds a giant network of 4,500+ hospitals. 

Bharti AXA Health Insurance Policy Terms

Here are the descriptions of the health insurance policy terms related to policy features and benefits provided by the Bharti AXA Health Insurance Company. However, the conditions of these offerings may vary from policy to policy:

Minimum Age of Entry

91 days

Maximum Age of Entry

No Limit

Policy Renewal

Bharti AXA health insurance plans provide lifelong renewability option to its policyholders which allows them to stay associated with the health insurance plan and avail its benefit till as long as they want by constantly renewing their insurance policies without any break.


It is a cost-sharing requirement under a health insurance policy as per which policyholder or insured person will bear a specified percentage of the admissible claims amount and the remaining part will be borne by the insurance provider. The Bharti AXA Health Insurance does not offer a co-payment option to its customers.

Waiting Period

A waiting period of 30 days is applicable on medical expenses incurred on any type of treatment undertaken for any illness or disease other than accidental bodily injury requiring hospitalization. Also, pre-existing diseases will not be covered until 48 months of continuous coverage have elapsed, since the inception of the policy with the insurance provider.

Bharti AXA Health Insurance Claim Process
The health insurance claim process is a procedure where policyholders raise a claim with their insurance providers against their medical expenses. This procedure can be processed in two ways such as cashless claim and reimbursement claim.

Cashless Claim Process of Bharti AXA Health Insurance

When a policyholder gets treated at his or her insurer’s network hospital, the claim is processed in a cashless manner, where the insurer pays off the medical expenses directly to the hospital.

Following are steps to raise a cashless claim with Bharti AXA Health Insurance:

Step 1: Get Hospitalised 
Find the list of network hospitals from the website of the insurer and get hospitalised in one of them. 

Step 2: Pre-Authorisation Request
Upon admission in a network hospital, obtain a pre-authorisation request form from the hospital or from the website of the insurance provider. Get the form filled by the treating doctor, which has to be submitted to the TPA or the insurer by the hospital along with the relevant medical documents.

Step 3: Authorisation Process
The TPA or insurer after verifying the medical documents and pre-authorisation request form will decide on the issuance of authorization after necessary discussion with the insurance provider. The action of pre-authorization will be done within 6 hours for emergency admission and 48 hours for a planned admission. 

Step 4: Settlement of Claim
After issuing the approval, the insurance provider will provide the network hospital with the complete claim amount within 21 days from the date of receipt of complete claim documents. 

How to Make a Bharti AXA Health Insurance Reimbursement Claim?

When a policyholder gets treated at a non-network hospital, the claim is processed in a reimbursement manner, where the insured persons or policyholders are paid off all their medical bills on their own but can raise a claim reimbursement request later with their insurance provider.

Following are steps to raise a reimbursement claim with Bharti AXA Health Insurance:

Step 1: Get the Medical Treatment
Get treatment at a non-network hospital. Make complete payment for hospital bills and collect all the bills, receipts, documents, reports, etc.

Step 2: Submit Necessary Documents
Share necessary documents with the insurer for the reimbursement within 30 days from the date of discharge:

Documents Required for Bharti AXA Health Insurance Reimbursement Claim:

    • Claim form duly signed along with attending physician
    • Discharge summary and hospital final bill 
    • Prescription of attending doctor advising hospitalization 
    • Surgery or consultation bills and receipts 
    • Chemists and pharmacy bills 
    • Medicines bill with the prescription of the doctor
    • Pre-hospitalisation and post-hospitalisation bills with receipts, prescriptions etc  
    • Diagnostic reports with the prescription of the doctor
    • MLC Report & Police FIR

Step 3: Verification of Documents
The insurance provider or TPA will verify the documents provided. Also, they can ask for some more reports or documents for the verification.

Step 4: Claim Settlement
After receiving all the required documents and their verification, the insurer or TPA settles the claim within 30 days from the date of documents submission. After this, the payment will be made within 7 days of receipt of acceptance in response to the offer of settlement.

Bharti AXA Health Insurance Renewal Process

With the renewal process, policyholders can continue to avail the benefits of the Bharti AXA Health Insurance Plans. The insured persons can make some changes in their health insurance policies as per their budget and requirements to keep themselves insured in a better manner.
Here are the steps to renew Bharti AXA health insurance plans:

Step 1: Visit the website of Bharti AXA General Insurance, i.e., Select the ‘Renew’ tab and choose Bharti AXA Health Insurance and then click on the ‘Renew’ button.

Step 2: Enter the Policy Number and Policy Expiry Date, Name, Mobile Number and Email Address, then click on the ‘Continue’ button.

Step 3: Review the health insurance plan details and amount of premium to proceed for the renewal

Step 4: Pay for a health insurance policy online through the payment gateway of the insurer.

Bharti AXA Health Insurance Tax Benefits

The Bharti AXA health insurance plans secure your health as well as your savings. It offers you tax benefits maximum up to the premium amount of the health insurance plan as per the section 80D of the Income Tax Act. Here are the details of the tax benefit, which can be availed with the Bharti AXA Health Insurance Plans:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


When Policyholder and Parents are below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When Policyholder and family members are below 60 years with parents above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When Policyholder, family members and parents are above 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of HUF

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

Bharti AXA Health Insurance Premium Calculator

There are various factors which can influence the premium amount of health insurance plans.  Knowledge of such components can assist you to choose a relevant policy as per your budget and requirements. Below the factors that impact the premium amount of Bharti AXA Health Insurance Plans:

  • Age – When it comes to illness, young people are less likely to fall sick as compared to older persons. It means that the insurance provider will have to pay off more compensation for the former than the latter. Hence, the age of the policyholder affects the premium amount and charges a higher premium from older insurers. 
  • Sum Insured – The higher the sum insured amount will be, the more the compensation is to be provided by the insurance provider. So, the sum insured amount is directly proportional to the amount of premium. Therefore, policyholders should select their sum insured amount strictly according to their budgets and requirements. 
  • Family Medical History – People who come from a family that has a medical history of specific diseases like heart attack, cancer, diabetes, etc., are charged with a higher premium as they are more vulnerable to illnesses due to their genes. In this manner, the family medical history of policyholders affects the health insurance premium amount. 
  • Harmful Substances – People who have a habit to consume injurious substances through smoking, drinking, or chewing are more susceptible to illnesses. These habits may lead the consumers to suffer more and require them more coverage for treatment. Hence,  insurers charge a higher premium from such people or can even decline their applications. 
  • Body Mass Index (BMI) - People with abnormal Body Mass Index (BMI) are more likely to contract illnesses or ailments such as diabetes, hypertension, and so on, which increases the burden on the insurers. Hence, policyholders with higher or lower BMIs are charged with a higher premium than from policyholders with normal BMIs.

What All Is Covered Under Bharti AXA Health Insurance Policies?

Policyholders can avail the following inclusions under the health insurance policies of Bharti AXA Health Insurance:

  • In-Patient Hospitalisation – The in-patient hospitalisation benefit offers you coverage for medical expenses incurred due to hospitalisation for at least 24 hours in the network hospital for the treatment of any injury or disease. The coverage includes room or boarding costs, doctor’s fees, nursing expenses, cost of medicines, medical test costs, etc.
  • Pre-Hospitalisation and Post-Hospitalisation Costs – The insurer offers coverage for expenses incurred before and after the hospitalisation for the same illness or injury for which at least 24 hours of hospitalisation is required. The pre-hospitalisation and post-hospitalisation cover is provided for 60 days and 90 days respectively up to the sum insured.
  • Day Care Procedures – This benefit offers coverage for treatments or surgeries or procedures undertaken under general or local anaesthesia in a hospital/daycare centre in less than 24 hours due to technological advancements for a specified list of diseases. This insurance provider offers coverage for 130-day care procedures.
  • Domiciliary Hospitalisation – Under this benefit, the insurer provides coverage for medical treatment for an illness or injury which in the normal course would require treatment at a hospital but is actually treated at home if the insured person is not in a condition to be moved to a hospital or there is the unavailability of room in a hospital. 
  • Emergency Ambulance Charges – The insurer gives coverage to the policyholders for the expenses incurred to carry the insured person by emergency ambulance to hospital or between hospitals and/or diagnostic centre for treatment of illness or injury in a hospital as an in-patient treatment.  

What All Is Not Covered Under Bharti AXA Health Insurance Policies?

Policyholders can not utilize the following exclusions under the health insurance policies of Bharti Health Insurance:

  • War-Like Operations - No compensation is offered for the treatment of injuries or illnesses sustained due to war or any act of war, invasion, an act of a foreign enemy, civil war, riots, etc.
  • Vitamins and Tonics – The insurer will not provide any coverage for vitamins and tonics unless it is a part of treatment for any illness or injury on the prescription of a doctor. 
  • Self-Inflicting Actions – Expenses incurred on the treatment of diseases or injuries incurred due to an act of self-harm such as attempted suicide or suicide will not be covered.
  • Aesthetic Procedures – No coverage is provided by the insurance provider for an aesthetic treatment, cosmetic surgery or plastic surgery unless necessitated due to accident. 
  • Vaccination Expenses - All preventive care vaccinations consisting of inoculation or immunization unless required for post animal bite treatment are excluded from coverage. 

The above-given inclusions and exclusion may vary across different Bharti AXA health insurance plans.

Bharti AXA Health Insurance Plan List

Name of PlanSum Insured
Smart Health Insurance PlanMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
Smart Super Health PlanMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
SmartHealth Critical IllnessMin: 3 Months; Max: 55 Years2 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now

Claim Process at Bharti AXA Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

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

885 Bharti AXA General Insurance Cashless Network Hospitals in India

Bharti AXA Health Insurance User Reviews

  • Nice policy

    I really liked the benefits of Arogya Sanjeevani Policy, Bharti Axa health insurance so I bought this plan online. It covers expenses for coronavirus ...

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    Gopi Nath
    On: Jun 24, 2020 | Views
  • Great services at InsuranceDekho

    InsuranceDekho offers great services and never disappoints me. I had purchased a critical illness plan from them earlier and I found the services grea...

    Read More
    Kiran Varma
    On: Jun 22, 2020 | Views
  • I liked this plan for my family

    I am 45 years old and recently ported my previous health insurance plan to Arogya Sanjeevani Policy, Bharti Axa considering its benefits. I am happy w...

    Read More
    Arjun Goyal
    On: Jun 18, 2020 | Views
  • Affordable policy with many benefits

    Arogya Sanjeevani Policy, Bharti AXA is an affordable plan. I got myself and my family covered under this plan recently at low premium after talking t...

    Read More
    Niyati Sharma
    On: Jun 17, 2020 | Views
  • Satisfied with the claim settlement process

    I liked the claim settlement process under my Bharti AXA Arogya Sanjeevani Policy. I bought the policy from InsuranceDekho, and their team helped me a...

    Read More
    Raunak Rajani
    On: Jun 03, 2020 | Views
  • Quick response for queries

    After reading the policy document of Bharti AXA SmartHealth Critical Illness policy, I had a few doubts for which I contacted InsuranceDekho’s t...

    Read More
    Devashish Mittal
    On: Jun 01, 2020 | Views
  • Easy Buying Process!

    Bharti AXA was the best medical plan for me and my family which I had bought online from without facing any trouble and also by com...

    Read More
    Arpit Kulshrestha
    On: May 29, 2020 | Views
  • Claim got approved

    I was doubtful if my claim request would be accepted or rejected when I made a claim at the time of hospitalisation. But InsuranceDekho’s team h...

    Read More
    Sumit Bhoria
    On: May 27, 2020 | Views
  • Helped me a lot!!

    This health plan is simple and comprehensive. It is a Critical Illness policy which gave me the coverage for the cost of critical illness treatment. I...

    Read More
    Nishant Arora
    On: Feb 27, 2020 | Views
  • I like this plan!

    I am quite happy with this plan. It offers much more than critical illness coverage such as the coverage for home nursing, ambulance costs, hospital c...

    Read More
    Vikas Gupta
    On: Feb 27, 2020 | Views

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Bharti AXA Health Insurance Contact Details

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Bharti AXA Health 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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