Bharti AXA Health Insurance Claim Settlement

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Claim SettlementDedicated Team
Claim Settlement Ratio78.23%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829

Claim Settlement of Bharti AXA Health Insurance

Bharti AXA ensures claim settlement support at your convenience. Its insurance products come with a slightly different claim settlement process. The company has managed to gain the trust of the customers by ensuring easy and prompt claim settlement process. It emphasizes on making customers aware of the claim procedure in advance. So, you won’t go confused in figuring out the process on the rise of any claim later. Bharti AXA lets you select the cashless claim settlement and reimbursement claim settlement options.

  • Claim Process for Cashless Treatment

    When it comes to availing cashless claim settlement, Bharti AXA owns more than 4,500 network hospitals wherein you can avail cashless treatment. The steps for filing a cashless claim:

    • Contact the nearest network hospital in the city you want to get cashless treatment
    • Intimate Bharti AXA within 24 hours in emergency hospitalisation 48 hours before admission in case of planned hospitalisation.
    • While visiting the hospital, carry the Health Insurance cashless card issued by Bharti AXA and one photo ID proof.
    • Fill the pre-authorization request form available at the hospital and submit it to the hospital.
    • After your identity is checked for validation, the network hospital sends the pre-authorization request form to Bharti AXA.
    • Within 6 hours of receiving the form, Bharti AXA intimates the patient and the hospital with the letter of intimation so as to make the bill directly settle in the case of cashless hospitalisation
    • In the case of emergency one, the TPA issues a letter to the hospital authorizes the coverage as per the plan to get it settled directly at the hospital
    • If a treatment is not in coverage of the plan, a letter will be provided to the policyholder stating the reasons.
  • Reimbursement Treatment

    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
    • 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
  • Documents Needed

    • 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.


  • Incurred Claim Ratio (ICR) of Bharti AXA Health Insurance

    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. 

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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

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