Bharti AXA (now ICICI Lombard) Health Insurance Claim Settlement

The reimbursement claim facility can be availed when you get treatment at a network or non-network hospital. The step-by-step guides for filing reimbursement claim process are as follows:

• Notify Bharti AXA about the admission within 48 hours after being hospitalised.
• Send the details (discharge documents, invoices, medical reports, etc.) through email to www.bharti-axagi.co.in
• All the claims regarding reimbursement are intimated within 7 days from the discharge date
• If a patient is admitted in a non-network hospital, the documents can be sent within 30 days of the discharge date
• Pre- and post-hospitalisation expense records can be submitted within 15 days after the post-hospitalisation period
• The firm will settle the claims within 30 days from the submission of documents
• If a procedure or treatment is outside the coverage, one needs to pay all the expenses and send Bharti AXA all the original and relevant documents with the claim form
• If all goes well, the payment will be made within 21 days of documents acceptance
• If a claim is rejected, a letter stating the reasons for rejection is given

• A copy of your health card
• Original investigation reports
• Final hospital discharge summary
• FIR or post-mortem report if happened
• Pharmacy bills along with the prescription
• Original bills, receipts, and discharge report
• Indoor case papers and duly-filled claim form
• Original hospital bills and a valid photo ID proof
• Treating doctor's report, and original consultation notes
• Nature of operation performed and surgeon's bill and receipt
• Test reports along with attending doctor’s or surgeon’s report
• A copy of the identification card of the patient & PAN card of the insured individual
• Canceled Cheque – CTS 2010 format or scanned copy of the 1st page of passbook or bank statement.

The Incurred Claim Ratio (ICR) of an insurer is an indicator of its financial stability as well as the smoothness in the process. Based on the ICR, you can make sure whether or no the insurer is good for you. The ICR of Bharti AXA Health Insurance for FY 2018-19 is 89%, which is good to buy a policy.