Bharti AXA Health Insurance Benefits

Bharti AXA Health Insurance

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Highlights

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

Benefits of Bharti AXA Health Insurance

Bharti AXA General Insurance Company is formed jointly between Bharti Enterprises and AXA. While Bharti Enterprises is a renowned Indian company, AXA is a leading insurance company. Bharti AXA started its operations from the year 2008 and since then has grown considerably.
The company has issued more than 9.8 million policies in the segments of health insurance, motor insurance, travel insurance, etc.

It is present all across India through a network of more than 100 branch offices in all leading cities. In the year 2019, Bharti AXA won several awards the notable among them being the General Insurance Company of the Year – Large (Private Sector) at ET Now BFSI Awards and Non-Life Insurer of the Year by ASSOCHAM’s Insurance Leaders Meet & Excellence Awards.

Bharti AXA offers a range of health insurance products which have comprehensive coverage benefits and affordable premium rates.

  • Additional Benefit of Free Health Check up

    The health insurance plans offered by Bharti AXA have the feature of regular health check-ups and that too free of cost. Insured individuals can avail free health checks at specified intervals if they invest in Bharti AXA’s health insurance plans.
  • Additional Protection over Employer Coverage

    Bharti AXA also offers independent health insurance plans to employees who are covered under the group health scheme of their employers. Though group health plans are commonly available, their coverage features as well as the sum insured are limited. To overcome this shortcoming employees can buy Bharti AXA’s health insurance plans and increase their health insurance coverage.
  • Cashless Benefit

    Bharti AXA has a tie-up with more than 4500 hospitals in India. These hospitals are called networked hospitals and if you avail treatments in these hospitals your claims would be settled on a cashless basis. Cashless claims would, therefore, lower the burden of medical costs which you would otherwise face if you were to pay for them.
  • Claim Settement Ratio

    Bharti AXA has an impressive claim settlement ratio of 77.78%*. This ratio indicates that the company aims to settle the maximum possible claims which are made on it. It, therefore, has a 24*7 claim assistance helpline helping you get your claim settled quickly. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    The popular health insurance plans offered by Bharti AXA have good coverage benefits. You can get coverage for up to Rs. 1 crore. Common coverage benefits include pre and post hospitalisation expenses, sum insured restoration, organ donor expenses, day care expenses, etc. Some plans also provide coverage for maternity related expenses as well as optional coverage benefits for a more enhanced scope of cover.
  • Incurred Claim Ratio

    The Incurred Claim Ratio (ICR) shows the percentage of earned premiums utilised by the insurer to pay its claims. Bharti AXA had an ICR of 89%* in the financial year 2017-18. The ratio shows that the collected premiums were sufficient to pay the claims and that the company did not incur any loss. *The incurred claim ratio change from time to time.
  • Tax Benefit

    Section 80D of the Income Tax Act allows health insurance premiums as a tax-free deduction up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen).

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

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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    G
    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...

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    K
    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...

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    A
    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...

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    N
    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...

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    R
    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...

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    D
    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 InsuranceDekho.com without facing any trouble and also by com...

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    A
    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...

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    S
    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...

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    N
    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...

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    V
    Vikas Gupta
    On: Feb 27, 2020 | Views

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 www.bharti-axagi.co.in or you can call at 022-6118-8888. Also, you can purchase through online broker’s website like www.insurancedekho.com.

  • 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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Network Hospital in Popular Cities

CityNo of Hospital
Ahmedabad87
Patna37
Bengaluru184
Kolkata79
Jaipur144
Cochin4
New Delhi225
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