Bharti AXA Health Insurance FAQs

Bharti AXA Health Insurance

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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

Claim Settlement

  • Does Bharti AXA provide cashless claim settlement facility to its policyholders?

    Yes, Bharti AXA provides cashless claim settlement facility to its policyholders. 

Critical Illness

  • 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.

  • Does Bharti AXA provide cover for critical illness in any of its plans?

    Yes, Bharti AXA provides cover for critical illness in its health insurance plans. 

  • How many critical illnesses are covered by Bharti AXA in its health insurance plans?

    Bharti AXA covers up to 20 critical illnesses in its health insurance plans.

  • Does critical illness policy by Bharti AXA cover my family members also?

    Yes, the policy can be purchased on the family floater basis. You can cover yourself, your spouse and up to two independent children under a single policy. 

  • I am still young. Why should I buy critical illness policy by Bharti AXA?

    Critical illnesses can occur even to young people. So, to be on a safer side, it is always recommended to purchase a good health insurance plan with critical illness cover even if you are young.

Family Floater

  • 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 health check-up gifted to policyholders holding a family floater plan?

    Yes, a comprehensive health check-up is offered annually to the policyholders. 

  • What is the coverage limit for organ donation under the floater plan?

    The floater plan gives the cover to organ donor for the organ transplantation process up to the amount of sum insured.

  • Is there any capping applicable to the coverage of room rent?

    No capping is applicable on the coverage of room rent and cover is offered up to the limit of sum insured amount. 

  • What is the waiting period to avail the benefit of maternity?

    A 9 month waiting period is applicable under the plan since the introduction of the first policy with the firm. 

  • Does the vaccination for animal bite covered under the plan? If yes, up to which limit?

     Yes, the cost incurred on the vaccination for an animal bite is insured up to Rs. 5,000.


  • Is there any payment of compensation under the plans of Bharti AXA?

    Yes, there is a payment of compensation under each plan. Bharti AXA compensates you 100% of the sum insured if you survive for 30 days after the waiting period of 60 days.

General Information

  • 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.

  • What are the factors that influence the insurance premium?

    There are many factors. Some of them are pre-existing medical conditions, body mass index (BMI), family medical history, Injurious substances, age, choice of profession and work environment, first insurance policy, etc.

  • Does this insurance company issue a policy for more than one year?

    Bharti AXA offers insurance policies for a duration of 1 year. You can get them renewed subsequently.

  • What is the contact number to get in touch with the support staff of Bharti AXA related to any query or grievance?

    The customer care number of Bharti AXA is 1800-102-4444.

Help to Buy

  • 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 or you can call at 022-6118-8888. Also, you can purchase through online broker’s website like


  • What is the limit of Sum Insured amount I can opt for?

    Under the Bharti AXA individual plan, the minimum amount of sum insured is Rs. 3 Lakh, while the maximum amount is Rs. 5 Lakh.


  • Does the policy give any coverage for critical illness?

    The individual plan owns an inbuilt critical illness cover for all its customers. 

  • Is there any discount offered on the individual based plan?

    Yes, a discount of 5% is offered at renewal on every claim free year. The discount may go up to 25%. 

  • What is the limit of coverage for daycare treatments?

    Under the Bharti AXA, individual plan daycare treatments are covered up to the amount of Sum Insured. 

  • How much waiting period is available to get pre-existing illnesses covered?

    Pre-existing diseases are covered post 48 months in the individual plan.


  • What is the sum insured limit of the plan covering maternity expenses?

    The maternity coverage plan offers a wide overage from Rs. 5 Lakh to Rs. 1 Crore.

  • Does maternity cover policy offer some amount of tax benefits too?

    Yes, the plan encourages the tax savings as per the section 80D of the Income Tax Act. 

  • How much sum is restored as per Bharti AXA maternity cover plan?

    Restoration of Sum Insured up to 100% is allowed under Bharti AXA maternity cover plan.


Plan Coverage

  • Does Bharti AXA cover parents under its Health insurance policy?

    The policy issued by Bharti AXA covers self, spouse and two children (dependent) under the age of 21 years.


  • Will I get the benefits of my existing policy if I transfer it to Bharti AXA Health Insurance?

    Yes, you will get the benefits of my existing policy if I transfer it to Bharti AXA Health Insurance.

  • Does Bharti AXA provide portability feature in its health insurance policies?

    Yes. Bharti AXA provides portability feature in its health insurance policies. 

  • When can I port my health insurance policy from one insurer to another?

    You can port your health insurance policy from one to another at the time of policy renewal. 

  • Does health insurance portability in Bharti AXA involve any extra charges?

    No, portability in Bharti AXA does not involve any extra cost. 


  • Can I pay the health insurance premium online in Bharti AXA?

    Yes, you can pay the health insurance premiums online in Bharti AXA Health Insurance. 

  • How is the premium calculated in Bharti AXA health insurance policies?

    The premium is determined on the basis of the following factors:

    • Sum insured
    • Family members to be covered
    • Age of the senior most member of the family
    • Type of policy opted for. It can be Basic, Premium, or Optimum.

  • Can I decide the amount of insurance I require or the company decides it?

    Bharti AXA provides you a variety of sum insured options to choose from that you can on your own. You can decide this amount considering the number of members you need cover for, expected cost of treatment and the premium amount you are willing to pay. 

  • Can I make the payment via Credit Card in Bharti AXA?

    Yes, you can pay the premium for Bharti AXA health insurance policies via Credit Card.  

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

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.

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 ...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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 without facing any trouble and also by com...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    Vikas Gupta
    On: Feb 27, 2020 | Views

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