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  • BHARTI AXA Health Insurance

    Bharti Axa Health Insurance
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Bharti AXA General Insurance Company Ltd is a joint venture between Bharti Enterprises, a leading Indian business group and AXA, a world leader in financial protection. The joint venture company has a 74% stake from Bharti and 26% stake of the AXA Group. The organization commenced national operations in August 2008 and currently has 59 branch offices across the country. It is the first organization in the general insurance industry to receive dual certifications of ISO 9001:2008 and ISO 27001:2005 within the first year of operations in 2009 and subsequently the certification has been renewed in 2012 for further 3 years.


    BHARTI AXA Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 4 family members with up to 2 adults and 2 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    After every block of four claim-free years of your policy with us, 1% of the sum insured will be provided towards the cost of the health check-up.

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No co-pay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime..

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    Unlimited room rent (on selected health plans)

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of BHARTI AXA Health Insurance

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    Good health offers multiple rewards

    5% renewal discount every year maximum up to 25% on a progressive scale

    The world is your healthcare oyster

    Cashless hospitalization at 4300+ hospitals across India

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Overview

    Bharti AXA Health Insurance

    Bharti AXA General Insurance Company Ltd, the company known for floating robust insurance products including Health Insurance, is a strategic joint venture between Bharti Enterprises (74%) and AXA (26%). The former is one of the leading and well known business conglomerates in India while the latter is a global leader in financial protection and wealth management. In India, Bharti AXA General Insurance started operations in August 2008 and currently boasts of 59 corporate branch offices across the country with the distinction of being the first company in the competitive Indian general insurance scene to receive the ISO 9001:2008 and ISO 27001:2005 certifications in its first year of operation. A remarkable achievement that highlights Bharti AXA’s commitment to quality, customer relationships and simplification of the claims process to emerge as a truly preferred brand.


    How To Apply BHARTI AXA Health Insurance Online?


    Health Insurance Plans from Bharti AXA General Insurance

    Bharti AXA has various Health Insurance plans that are packaged keeping in mind the insurance needs of different customers. Following are some of the health insurance schemes offered by Bharti AXA –


    ✓Smart Health Insurance

    ✓Smart Health Critical Illness Insurance

    ✓Smart Individual Personal Accident Insurance


    Let’s look at some of the basic features of all these plans in detail and how are they beneficial with respect to the benefits that they offer.


    Smart Health Insurance

    This health insurance policy from Bharti AXA keeps you covered for all expenses made towards hospital admission. The policy has a few extremely beneficial features like tax exemption on paid premiums, 5% discount on renewal premium for every claim-free year and a percentage of sum insured is available for health check-ups on meeting certain conditions. Here is a detailed list of all the features of this health insurance policy by Bharti AXA –


    Entry Age/Eligibility Any Indian Resident who is 91 days upwards; no maximum entry age. (For Family Floater, this policy can cover a maximum of four family members comprising you, your spouse and two dependent children (over 90 days old and up to 23 years of age)
    Policy Period 12 months
    Renewability Lifetime
    Medical Screening Individual or Family Floater
    Basis Individual or Family Floater
    Sum Assured Rs.3, 4, 5, 7, 10, 15, 20, 25, 50 or 60 lakhs(Chosen coverage can be enhance at renewal) , Double the insurance coverage in case of critical illness
    Coverage
    • Day care treatment where 24 hours of hospitalization is not required
    • Domiciliary hospitalization where care and treatment is taken at home
    • Critical illness cover for illnesses like cancer, coma etc.
    • Hospitalization Expenses
    • Pre-existing diseases; all diseases that include symptoms or conditions existing when the policy was availed for the first time, after four continuous policy renewals
    • Transplantation of Organs
    • Hospital Cash Allowance
    • Home Nursing
    • Ambulance Charges
    Benefits
    • Renewal discount of 5%
    • Income Tax Benefit under section 80D
    • Cost of Health Check-up after every block of four claim-free years

    Smart Health Critical Illness Insurance

    As the name itself suggests, this insurance scheme by Bharti AXA is focused primarily on providing insurance benefits to people against any form of critical illness. The scheme aims to benefit you in terms of hospital expenses and other related medical expenses that tend to shoot exponentially in case a person suffers from some critical sickness. The table below captures the major highlights of this health insurance plan from Bharti AXA.


    Entry Age/Eligibility

    Any Indian resident between 91 days to 55 years;

    Children between 90 days to 5 years can be covered in case at least one of the parents is covered under this policy

    Policy Period 12 months
    Renewability Life-long renewability
    Medical Screening Individual or Family Floater
    Basis Individual or Family Floater
    Sum Assured

    Sum Insured can be enhanced only at the time of renewal subject to no claim has been lodged/ paid under the policy. The enhancement can be made up to next available sum insured slab in the same plan, subject to no claim in the previous policy and Good Health Declaration

    Coverage

    The policy covers hospitalization and medical expenses pertaining to the following twenty listed illnesses –

    1. Cancer
    2. First heart attack
    3. Coronary artery disease
    4. Coronary artery bypass surgery
    5. Heart valve surgery
    6. Surgery to aorta
    7. Stroke
    8. Kidney failure
    9. Aplastic anaemia
    10. End stage lung disease
    11. End stage liver failure
    12. Coma
    13. Major burns
    14. Organ/bone marrow transplantation
    15. Multiple sclerosis
    16. Fulminant hepatitis
    17. Motor neurone disease
    18. Primary pulmonary hypertension
    19. Terminal illness
    20. Bacterial meningitis
    Standard Benefits
    • Hospitalization expenses
    • Pre-hospitalization expenses
    • Post-hospitalization expenses
    • Dread disease recuperation
    • Transplantation of organs
    • Hospital cash allowance
    • Home nursing
    • Ambulance charges
    • In-patient physiotherapy charges
    • Recovery grant
    • Accompanying person's expenses
    • Children education fund
    • Mortal remains
    Additional Benefits
    • Family Floater which grants you the benefit of choosing one insured sum for the whole family (comprising of four people)
    • Income Tax Benefit under Section 80D
    • Renewal Discount of 5%
    • Free-look period of 15 days
    • Medical examination cost reimbursement
    • Portability which helps in migrating from one health policy to another by the same company

    Smart Individual Personal Accident Insurance

    This insurance scheme by Bharti AXA is one smart policy that insures you and your loved ones against any accident that might result in disability or death of the insured person. Here are a few important features of this policy.


    Entry Age/Eligibility Any Indian resident between 18-75 years;
    Renewability Life-long renewability
    Sum Assured

    Sum Insured can be enhanced only at the time of renewal subject to no claim has been lodged/ paid under the policy. The enhancement can be made up to next available sum insured slab in the same plan, subject to no claim in the previous policy and Good Health Declaration

    Coverage
    • Accidental death including transportation of mortal remains,
    • funeral expenses and education grant for children
    • Permanent total disablement
    • Permanent partial disablement
    • Temporary total disablement
    • Hospital daily cash allowance
    • Accidental medical expenses
    • Double indemnity death or permanent total disablement, while traveling as a passenger in a public transport
    • Legal expenses
    Standard Benefits
    • Hospitalization expenses
    • Pre-hospitalization expenses
    • Post-hospitalization expenses
    • Dread disease recuperation
    • Transplantation of organs
    • Hospital cash allowance
    • Home nursing
    • Ambulance charges
    • In-patient physiotherapy charges
    • Recovery grant
    • Accompanying person's expenses
    • Children education fund
    • Mortal remains
    Additional Benefits
    • Income Tax Benefit under Section 80D
    • Renewal Discount of 5%
    • Free-look period of 15 days
    • Medical examination cost reimbursement
    • Portability which helps in migrating from one health policy to another by the same company
    • Double Death or Permanent Total Disablement Benefit
    • This benefit provides for payment of Double benefit (200% of the Sum Insured) for death or Permanent Total Disablement due to accident whilst travelling as a passenger in a public conveyance

    Inclusions- Incidents Covered by the Policy

    • Medical conditions like dialysis, chemotherapy, eye surgery, lithotripsy or any other similar conditions that do not require hospitalization beyond 24 hours. These fall under the domain of ‘Day Care Treatments’ as undertaken by a hospital.
    • Disease or injury that requires domiciliary hospitalization (medical intervention and rest at home) that exceeds 3 days.
    • Critical illnesses as listed here- First heart attack, Cancer, Coronary artery disease & bypass surgery, Kidney failure, Terminal lung disease or liver failure, Bacterial meningitis, Terminal illness, Stroke, Major organ or bone marrow transplant, Multiple Sclerosis (MS), Fulminant Hepatitis, Coma, Major burns, Motor neurone disease, Primary pulmonary hypertension, Heart valve surgery, Surgery to Aorta and Aplastic anemia.

    Exclusions- Incidents Not Covered by the Policy

    • The expenses incurred for hospitalization as a result of diseases or illnesses afflicted within 30 days of the inception of the policy. Kindly note that this clause isn’t applicable for any of the subsequent policy renewals.
    • The following medical conditions aren’t covered by the policy in the first two years from the point of inception-
      • Cataract and/or laser surgery.
      • Dilation & curettage.
      • Replacement of joints- unless the injury was caused by accident.
      • Chronic renal failure that requires dialysis.
      • Myomectomy, Hysterectomy unless because of malignancy.
      • Sex change or similar treatments, circumcision.
      • Dental procedures.
      • Hernia, Hydrocele, fistula in anus, sinusitis, haemorrhoids/piles.
      • Procedures relation to birth, pregnancy and fertility- Birth control, Hormone
      • replacement therapy, Caesarean section, operations relating to fertility or conception.
      • Gastric and duodenal erosions & ulcers.
      • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
      • Routine examination of eyes and ear. The subsequent cost of spectacles.
      • All types of skin conditions, internal tumours, cysts, nodules, polyps including breast lumps (unless diagnosed as malignant).

    Additional Perks with Bharti AXA Health Insurance

  • Renewal Discount- For every claim free year, you get a 5% discount on the subsequent renewal premium, to a maximum of 25% on the progressive scale.
  • Tax Benefits- Premium paid is subject to income tax benefits per Section 80(D) of the Income Tax Act.
  • Health Check Ups- For every four claim free years, 1% of the sum insured will be forwarded to you as cost for a complete health check-up.
  • Pre- Policy Health Check Up- If you are required to undergo a health check-up before the policy is approved, the expenses for such a check-up will be borne by the company. However, if your policy is declined then the cost of the said check-up will be deducted before refunding your premium.
  • No Strings Attached Look in Period- If you aren’t satisfied with the terms and conditions laid out per the policy, or have any other genuine reason to do so, then you can cancel the policy within 15 days from the day of inception. In such a case, your premium will be refunded to you while deducting any expenses incurred for medical check-ups or stamp duty charges. This option isn’t available for subsequent renewals of the policy.
  • Policy Servicing- The procured health insurance policy will be serviced by an appointed Third Party Administrator (TPA) who would be responsible for providing, amongst other things, cashless facility for hospitalization in network hospitals.
  • Reimbursement of Medical Examination Costs- If the proposal is accepted, the company shall reimburse up to 50% of the cost of a medical examination undertaken by the insured person at a designated hospital or diagnostic facility.
  • Portability- The insured can migrate from their existing health insurance policy at the time of renewal, provided the current policy has been maintained without any breaks pertaining to the payment of policy premiums.

  • In Summation- A comprehensive, complete, scalable and robust health insurance policy, this offering from Bharti AXA Health Insurance is definitely worth a look. With a clear track record of claims settlements and constant improvements in their modus operandi, Bharti AXA has rightfully earned its tag as one of the most progressive insurance companies in India. Check them out TODAY!


    Bharti AXA Health Insurance FAQs

    1. What are the advantages of Bharti AXA Health Insurance over other such policies?
    2. Here are a few main highlights of the Bharti AXA Health Insurance policies –

      • Holistic hospitalization expense coverage
      • Domiciliary Hospitalization resulting in treatment at home rather than hospitals
      • Day care treatment is covered
      • Expenses pertaining to pre and post hospitalization
      • Pre-existing diseases get covered after 5th year of policy renewal

    3. How is Bharti AXA Health Insurance different from other insurance policies?
    4. Bharti AXA offers 360 degree coverage of medical expenses, ranging from hospitalization to diagnostics to medicine and other incidental expenses.


    5. What is meant by TPA?
    6. TPA are Third Part Administrators that are designated by the parent insurance company to cover all zones in terms of insurance services.


    7. What are the major exclusions in the Bharti AXA Health Insurance Policy?
    8. Major exclusions for which Bharti AXA Health Insurance is not applicable are as listed below-

      • Pre-existing diseases
      • Any Critical illness within 30 days of taking the policy
      • Treatment of Hernia, Cataract, Fistula, Dilation, Curettage, Myomectomy, Joint Replacement surgeries and so on. These exclusions however, do not hold true in case of continuous renewals of policy after a certain period of time
      • Routine eye, ear examinations. Cost of lens, spectacles etc.
      • Prostheses, Corrective devices, hearing aids etc.
      • Naturopathy Treatment
      • Primary Diagnostic charges like x-ray, CT-scan etc.

    9. What is claim settlement ratio?
    10. Claim settlement ratio is the number of claims settled by an insurance company as against the total number of claims received in a particular year.

    11. Is cashless facility available?
    12. Yes. A health card will be provided to you for using it when you need to avail cashless facility at partner hospitals.

    13. How much insurance cover do I need?
    14. Your insurance coverage depends upon a number of factors like age, way of life, city of residence, yearly income etc.

    15. What is the ideal age to get health insurance?
    16. A health insurance should be availed as soon as possible so as to avoid any medical emergency that may arise anytime and anywhere. Health Insurance takes care of hefty expenses that are made in case a sudden serious medical mishap strikes.

    17. I have a Health Insurance scheme from my Employer, do I still need a personal Health Insurance policy?
    18. Yes. Since the Employer provided policy is non-transferrable, you might face issues when you change your job. Also, medical records are maintained more efficiently in case a single health insurance policy is continued. Hence, it is advised to have a private policy too in addition with the company provided insurance scheme.

    19. Is maternity/pregnancy covered as a part of Bharti AXA Health Insurance Schemes?
    20. No. However, company provided group insurance schemes generally cover maternity expenses too.

    21. Can the sum-insured be changed?
    22. Yes. It can be changed on policy renewal at the end of annual terms.

    23. What is the maximum age of an applicant?
    24. Upper limit for the age of applicant for health insurance is 80 years.

    25. What are the documents required for applying for Bharti AXA Health Insurance?
    26. A few basic documents like age proof, ID proof and residence proof. In some cases, a medical examination too may be required.

    27. How is a floater policy beneficial?
    28. A floater policy covers all family members including spouse and children as well as dependents and hence it is quite useful.

    29. Who decides the insurance premium that is to be paid?
    30. You decide the premium that you are willing to pay however, it depends upon factors such as age, income etc.

    31. What are the minimum and maximum sum insured?
    32. Minimum 2 lakhs and maximum 5 lakhs are assured under this health insurance scheme.

    33. Will the policy provide coverage if I avail hospital services abroad?
    34. No. This scheme is valid only in India and not anywhere abroad.

    35. Are day care treatments covered under this scheme?
    36. Only those day care treatments that have been made fast due to technological advancements are covered under this insurance policy.

    Examples of Network Hospitals in Major Cities

    CITY NAME OF HOSPITAL
    DELHI MONGA MEDICAL CENTRE
    MUMBAI ASHIRWAD HEART HOSPITAL
    KOLKATA RUBY GENERAL HOSPITAL LIMITED
    BANGALORE M. S. RAMAIAH MEMORIAL HOSPITAL
    CHENNAI SRI RAMACHANDRA MEDICAL CENTRE

    News About BHARTI AXA Health Insurance

    • AXA rises its stake in Bharti AXA Insurance

      The French insurance company AXA has increased its stake in Bharti AXA Life insurance and Bharti AXA General Insurance (Health Insurance). Headquartered in Paris, AXA is one of the leading French insurance companies which has bet big on the Indian insurance market. AXA has raised its stake from 26% to 49% in these two joint ventures. AXA took this move after the government of India reformed its Foreign Direct Investment (FDI) policy recently. The reformed FDI policy now permits foreign investments up to 49%.

      3rd November 2015

    • Bharti AXA’s Focus Shifts from Group Health Plans to Individual Health Plans

      Bharti AXA General Insurance Company has decided to shift its focus from group health plans to individual health plans. Given that the premium rates of group health plans are becoming uneconomical, the company has decided to take this move. From now on, Bharti AXA will focus on individual health and top-up plans, and also Small & Medium Enterprises (SME) for group health plans. Bharti AXA’s individual and family plans will cover travel needs such as loss of travel documents and checked-in baggage, medical emergencies, sympathetic visit in case of medical emergency, daily allowance and financial emergency etc.

      20th April 2015

    • Bharti AXA General Insurance Co. Receives Tech Initiative of the Year Award

      Bharti AXA General Insurance Co. adds another feather to its cap as the recipient of the Tech Initiative of the Year Award 2014. This Asia Insurance Industry Award for the year 2014 was awarded to the insurance major in recognition of its efforts to leverage existing technology to maximise reach. Through such initiatives, the company has extended insurance facilities to areas which lacked access to the formal insurance system i.e. areas where company office or branches or other distribution channels cannot be physically set up.


      This award recognised the company’s efficiency in operations and commitment to the field of insurance. It adds to the other major awards which the company received in 2014 i.e. the Excellence Award by the Institute of Economic Studies and the BFSI Best Insurance Company in the Private Sector - General 2014 by the World HRD Congress.


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