Bharti AXA Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 4,500+ Network Hospitals
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  • 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 Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy offered by Bharti AXA General Insurance Company is an indemnity based health insurance plan that covers you and your family against basic health requirements. The policy is easy to understand as its features are less complicated as compared to other health insurance plans. Available for a policy term of one year, the policy needs to be renewed every year. You can be the Proposer under this policy if you are aged between 18 years and 65 years and add your other family members. Apart from Self, you can also seek cover for your legally-wedded Spouse, dependent children (aged between 91 days and 25 years), parents and parents-in-law for a sum insured of your choice. The wide sum insured range offered under this policy starts from as low as Rs. 1 Lakh and goes up to Rs. 5 Lakh (in multiples of 50,000).    

The Bharti AXA Arogya Sanjeevani Policy is an affordable policy that covers you for many benefits. These include - cover for cataract treatment up to a specific limit, cover for modern treatments like oral chemotherapy etc., availability of grace period, portability benefit, lifetime renewability benefit, cashless hospitalisation benefit, and a cumulative bonus of 5% for every claim-free year up to a maximum of 50%. The policy has a minimum co-payment of 5%. This means for every admissible claim, you have to pay only 5% from your own pocket, and rest will be borne by the company. 

Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses incurred on any day care procedures
  • Plastic surgery necessitated due to any disease/injury
  • Dental Treatment necessitated due to any disease/injury
  • Room rent, Boarding, Nursing expenses up to 2% of the sum insured subject to maximum of Rs. 5,000 per day
  • Pre-hospitalisation and post-hospitalisation expenses for up to 30 and 60 days respectively
  • Road ambulance expenses up to a maximum of Rs. 2,000 per hospitalisation

What's Not Included

  • Maternity expenses traceable to childbirth except ectopic pregnancy
  • Expenses incurred on dietary supplements
  • Expenses related to change of gender treatments
  • Expenses related to any unproven treatment
  • Expenses related to the treatment of alcoholism or any addictive condition
  • Expenses for treatment arising from any breach of law with criminal intent

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Bharti AXA Arogya Sanjeevani Policy Brochure

  • 698.46 KB
  • PDF Document
  • Jun 17, 2020

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.

Arogya Sanjeevani Policy FAQs

  • What is the eligibility criteria for Bharti AXA Arogya Sanjeevani policy?

    The policy covers people aged between 91 days and 65 years. Age is calculated by considering the number of years until the last birthday.

     

  • What are the sum insured options available under Bharti AXA Arogya Sanjeevani policy?

    Sum insured options available under  Arogya Sanjeevani Policy, Bharti AXA General Insurance Company range between Rs. 1 Lakh and Rs. 5 Lakh, in multiples of 50,000. 

     

  • What are the modern treatments covered under Bharti AXA Arogya Sanjeevani policy?

    Arogya Sanjeevani Policy, Bharti Axa General Insurance Company covers the following modern treatments for up to 50% of the sum insured during a policy period:

    • Balloon Sinuplasty
    • Uterine Artery Embolization and High Intensity Focused Ultrasound
    • Deep Brain Stimulation
    • Robotic Surgeries
    • Bronchial Thermoplasty
    • Oral chemotherapy
    • Intra Vitreal injections
    • Stem Cell Therapy
    • Vaporisation of the Prostrate
    • Intra Operative Neuro Monitoring 
    • Stereotactic radio surgeries
    • Immunotherapy
  • Is there any limit on expenses covered for Cataract treatment?

    Expenses related to Cataract treatment are covered for up to 25% of the sum insured or Rs. 40,000 whichever is lower, for each eye during a policy period. 

     

  • What is the general waiting period under Bharti AXA Arogya Sanjeevani policy?

    The policyholders have to complete a general waiting period of 30 days to be able to enjoy benefits under this policy. The waiting period is calculated from the date of commencement of the policy. This waiting period shall not, however, be applied if you have continuous coverage for more than 12 months.  

     

  • What is the waiting period for pre-existing diseases under Bharti AXA Arogya Sanjeevani policy?

    The policy covers pre-existing diseases after 48 months of continuous coverage from the date of inception of the first policy. 

     

  • Does the policy cover treatment for refractive error?

    The policy does not cover expenses related to treatment for correction of eyesight due to refractive error less than 7.5 dioptres. 

     

  • Will I get a refund if I cancel my Arogya Sanjeevani Policy, Bharti AXA General Insurance Company?

    If you cancel your Arogya Sanjeevani Policy, Bharti AXA General Insurance Company by giving 15 days written notice, then the company shall refund the policy premium for the unexpired policy period at the following rates:

    • Up to 30 days: 75%
    • 31 to 90 days: 50%
    • 3 to 6 months: 25%
    • 6 to 12 months: 0%
  • Is there any free look period allowed under Bharti AXA Arogya Sanjeevani policy?

    Yes. You will be allowed a free period of 15 days from the date of receipt of the policy to review the policy terms and conditions. You may return the policy if not suitable during this period subject to terms and conditions.  

     

  • Can I get my sum insured changed during the policy period?

    Yes. You may get the sum insured increased or decreased, but this facility is only at the time of renewal, or otherwise, subject to underwriting by the company. The waiting period shall start afresh in case you opt for an increase in the sum insured. This will be applicable only for the enhanced portion. 

     

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