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Bharti AXA Health Insurance Benefits

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio76.01%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829
RenewabilityLifelong
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Benefits of Bharti AXA Health Insurance

Bharti AXA General Insurance Company started its operations from the year 2008 and since then has grown considerably. The company has issued more than 9.8 million policies including the health insurance segment. The insurer 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 that 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 4,500 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 Settlement Ratio

    Bharti AXA has an impressive claim settlement ratio of 76.01%* for FY 2019-20. 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. For FY 2018-19, Bharti AXA had an ICR of 89%*. 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 changes 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
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
Smart Health Insurance PlanMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
Smart Health Essential PolicyMin: 91 days; Max: 65 yearsRs. 1,000;Rs. 3,000 Get Quotes Now
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years1 Lakh - 4 Lakh Get Quotes Now
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years10000; 20000 Get Quotes Now
Corona Rakshak PolicyMin: 18 years; Max: 65 years50000 - 2.5 Lakh Get Quotes Now
Health AdvantEDGE Policy (Discontinued)Min: 91 days; Max: 65 years2 Lakh - 3 Crore Get Quotes Now
SmartHealth Critical Illness (Discontinued)Min: 3 Months; Max: 55 Years2 Lakh Get Quotes Now
Smart Super Health PlanMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
Smart Health High Deductible (Discontinued)Min: 91 days; Max: 65 years3 Lakh - 10 Lakh Get Quotes Now

Bharti AXA Health Insurance Top Up List

Name of PlanSum Insured
Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years5 Lakh Get Quotes Now

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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
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  • 14 Lakh+ happy customers

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Bharti AXA Health Insurance Contact Details

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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 Cashless Network Hospitals in India

Insurance Products by Bharti AXA General Insurance

FAQ About Bharti AXA Health Insurance

  • 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.

Latest Health Insurance Articles

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Network Hospital in Popular Cities

CityNo of Hospital
Noida37
Chennai152
Mumbai117
Ahmedabad87
Patna37
Bengaluru184
Kolkata79
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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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