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Bharti AXA Health AdvantEDGE Health Insurance

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Bharti AXA (now ICICI Lombard) Health Insurance
Health AdvantEDGE Policy
Claim SettlementDedicated Team
Claim Settlement Ratio93.10%
COVID-19 CoverYes
Network Hospitals4,500+
Policies Sold21,829
RenewabilityLifelong

About Bharti AXA Health AdvantEDGE Health Insurance

Health AdvantEDGE Policy provides you and your family holistic protection against rising healthcare expenses and also covers you for treatments availed under AYUSH systems of medicines. It is one of the few health insurance plans that are designed to offer comprehensive wellness benefits to the policyholders. The policy covers people aged between 91 days and 65 years for various healthcare expenses, some of which are organ donor expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare treatments, convalescence benefit, etc. Other benefits that the policy offers include restoration benefit, cumulative bonus of 20% for claim-free year upon renewal, optional maternity benefits for insured females aged between 18 years and 45 years, portability benefit, etc.

Apart from maternity cover, Health AdvantEDGE comes with other optional covers such as domestic air ambulance, newborn baby cover, OPD, hospital cash benefit, etc. The policy comes with three variants namely Prime, Royal, and Apex, with various sum insured options between Rs. 2 Lakh and Rs. 3 Crore. You can choose from them keeping into consideration your budget and requirements. The policy comes with terms of 1 year, 2 years, or 3 years and can be renewed for lifetime without any lapse. The wellness and value-added services that the policy offers are health rewards like, medical condition management program, telemedicine, pharmacy and diagnostic services, doctor appointment, online chat with doctors, doctor on call, and medical second opinion-domestic. All in all, the policy suits you best in times of illness as well in times of wellness.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Organ donor expenses up to sum insured is offered to the insured individual
  • Expenses arising due to daycare treatments
  • Convalescence benefit of Rs. 20,000 payable once in a policy term
  • Treatments taken under AYUSH systems of medicines

What's Not Included

  • Claims arising during initial waiting period of 30 days
  • Claims arising due to admission for evaluation purpose
  • Hospitalisation for rest cure, rehabilitation and respite care
  • Obesity and weight control treatments
  • Injuries due to participation in adventure sports or hazardous activities
  • Change of gender treatments

1552 Bharti AXA Cashless Network Hospitals in India

Add-ons to Enhance Benefits

  • Domestic Air Ambulance

    This add-on benefit covers you for domestic air ambulance expenses arising due to transportation of the insured in an airplane or helicopter from the site of first occurrence to the nearest hospital. This add0-on cover can be really helpful when the insured requires rapid transportation in case of an emergency.
  • Maternity Benefits

    The add-on of maternity benefits cover you for expenses arising at the time of delivery of a baby and/or expenses related to medically recommended lawful termination of pregnancy, with terms and conditions mentioned in the policy document. This optional cover is for all the insured females who have opted for a 3 year policy term and are aged between 18 years and 48 years, as selected by the Proposer.
  • OPD (Medical And Dental)

    With this add-on cover, you can get your bills reimbursed up to a specific limit in the schedule over and above the base sum insured. It covers you for doctor’s consultation on submission of consultation papers, pharmacy on submission of diagnostic reports, and physiotherapy on consultation of consultation papers.
  • Hospital Cash Benefit

    It pays you a daily cash amount up to a specific limit as mentioned in the policy document in case the insured is hospitalised for treatment of any disease/illness/injury for which a valid claim is admissible under the policy. Note that the benefits can be availed for each continuous and completed period of 24 hours and of the hospitalisation exceeds 24 hours.
  • Critical Illness

    This add-on offers financial protection to the insured in case he/she anytime gets diagnosed with any of the listed critical illnesses, during the policy tenure. It provides a lump sum amount up to the specified limits, to the insured if he.she completes the specified survival period after diagnosis of the critical illness.
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Claim Process at Bharti AXA (now ICICI Lombard) 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.

FAQs on Health AdvantEDGE Policy Health Insurance Plan

  • What are the sum insured options available under Health AdvantEDGE Policy by Bharti AXA General Insurance?

    Health AdvantEDGE Policy by Bharti AXA General Insurance comes with three variants, viz., Prime, Royal, and Apex. The sum insured options under Prime are of Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 5 Lakh, under Royal are of Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, Rs. 30 Lakh, Rs. 40 Lakh, and Rs. 50 Lakh. Whereas under Apex variant, the sum insured options are of Rs. 75 Lakh, Rs. 1 Crore, Rs. 1.5 Crore, Rs. 2 Crore, and Rs. 3 Crore. 

  • What are the waiting periods under Health AdvantEDGE Policy?

    Health AdvantEDGE Policy comes with the following waiting periods: 

    • Initial waiting period of 30 days
    • Waiting period of 2 years for pre-existing diseases
    • 2 years waiting period for specific conditions
    • Waiting period of 3 years for bariatric treatment
    • Initial waiting period of critical illness for 60 days or 90 days

     

  • What is the survival period for critical illness under Health AdvantEDGE Policy?

    The survival period for critical illness under Health AdvantEDGE Policy is 30 days. 

  • Does Health AdvantEDGE Policy come with any co-payment clause?

    Health AdvantEDGE Policy comes with 0% copayment. However, you can choose from 10% or 20%.   

  • Can I avail tax benefits on the premium paid for Health AdvantEDGE Policy?

    Yes. You are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.  

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