• Bharti AXA Smart Health Critical Illness Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Bharti AXA offers a range of life insurance and health insurance policies. Bharti AXA Critical Illness Insurance is one of the many health insurance plans offered by Bharti AXA. It offers cover for the insured if they are diagnosed with any of the 20 critical illness covered in the plan. The insurance pays for hospitalisation expenses upon diagnosis and 30 days of survival after diagnosis. It pays up to the sum assured (Rs.2 lakh to Rs.5 lakh) on lump sum compensation basis. The money can be used for expenses such as Car EMI’s, children’s school fee, credit card payments other than the hospitalisation charges.

    Features & Benefits - Bharti AXA Critical Illness Insurance:

    Entry age Minimum age: 3 months Maximum age: 55 years
    Policy term 1 year
    Maximum age for renewal 65 years
    Variants
    • Payment for treatment of critical illness after diagnosis
    • Payment for treatment post survival for more than 30 days after diagnosis
    Critical illness covered
    • Cancer
    • Major burns
    • Kidney failure
    • Stroke
    • First heart attack
    • Coronary Artery Disease
    • Coronary Artery Bypass surgery
    • Heart Valve surgery
    • Surgery to Aorta
    • Aplastic Anemia
    • End stage lung disease
    • End stage liver failure
    • Coma
    • Major organ transplant
    • Multiple sclerosis
    • Terminal illness
    • Bacterial meningitis
    • Primary Pulmonary Hypertension
    • Motor Neurone disease
    • Fulminant Hepatitis.
    Key features
    • Cashless hospitalisation at 4300+ hospitals across India.
    • Pre and post hospitalisation expenses.
    • Easy claim settlement process.
    • Covers day care treatment.
    • Covers pre existing diseases after four continuous policy renewals.
    • Provides for domiciliary hospitalisation.
    • Renewal discount of 5% on the renewal premium for every claim-free year.
    • Provides for health check-up expenses for every block of four claim free years.
    Tax benefits The plan offers tax benefits under section 80D of the Income Tax Act.
    Exclusions
    • Pre existing diseases and conditions for the first four years.
    • Treatment traceable to pregnancy or childbirth.
    • Intentional self injury.
    • Treatment following use of drugs and liquor.
    • Treatment received overseas.
    • Treatment for criminal act.
    • Experimental treatment.
    • Naturopathy treatment.
    • Unani treatment.
    • Congential internal disease.
    • Mental disorder or stress.

    The policy can be renewed every year and one can avail rewards for renewal of the policy.

    Read terms, conditions and exclusions mentioned in the policy document.

    Find cashless network hospitals nearby: Bharti AXA Health Insurance Network Hospitals

    Find cashless network hospitals nearby: Bharti AXA Health Insurance Network Hospitals

    Other Health Insurance Plans from Bharti AXA

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Bharti AXA Smart Health Critical Illness Plan Reviews

  • Page 1 of 4 1 2 3 4
    • review Health Insurance
      "Good Service Full Family Coverage"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bharti Axa Insurance Company. I don't have any claim experience with the policy. I am an Air force Employee, it is provided by the defense department. It offers protection for full family and I never faced any issues with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • review Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bharti Axa from last 2 years, i am not aware of the premium amount as my company pays it. I have a coverage value of Rs 5 lakhs which is quite sufficient fort this insurance and i do not have any claim experience with this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 11, 2018
    • review Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Bharti Axa general insurance from last 2 years and it is a good insurance policy to use. I pay a premium of Rs 12000 which has to be paid every year for this insurance. I do not have claim experience so far with this insurance and i have a coverage of Rs 4-5 lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2018
    • review Health Insurance
      "Better Policy to use"
      0.5 4.0/5 "Great!"
      I got the Basic smart group health insurance policy with bharthi Axa general insurance company. I have got this policy around 4 months ago. My company has provided this policy and the renewal amount will be deducted from my salary. This policy covers 3 members in my family, and it has the medical coverage of Rs,2,00,000. I would be paying Rs,7200 as premium amount per annum.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 09, 2018
    • review Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The Bharathi axa health medicliam policy has been used by me for more than 2years. The customer support is good with the Bharti axa. This policy covers 3 members in my family. I can claim up to 3 lakhs with this mediclaim health insurance policy. The cashless treatment options are also available with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2017
    • review Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was been six months I have taken the home insurance with BAHRATHI AXA but till now I have not got my policy details till now but the staffs of BAHRATHI AXA was friendly in respond and the documents have been collected from my door step which was very easy ,it was a good experience with BHARATHI AXA for my home insurance service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • review Health Insurance
      "average service"
      0.5 3.5/5 "Pretty good"
      I have taken a health insurance service with BHARATHI from my office I have filled which contains all the details of mine so the whole process and the documentation part have been taken cared through my office ,so I am not sure about the other service ,it was a good experience from BHARATHI.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • review Health Insurance
      "Good health insruance"
      0.5 5.0/5 "Blown Away!"
      Every person had to take Bharathi axa because it is very much helpful. I am holding this insurance for about 3.5 years. I normally pay the premium through online. Claim settlement went very well when I was hospitalized total expenses incurred was 40k and I had to pay only 2 k from my end and the rest was borne by Bharthi Axa
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 10, 2017
    • review Health Insurance
      "Good health insruance"
      0.5 5.0/5 "Blown Away!"
      Every person had to take Bharathi axa because it is very much helpful. I am holding this insurance for about 3.5 years. I normally pay the premium through online. Claim settlement went very well when I was hospitalized total expenses incurred was 40k and I had to pay only 2 k from my end and the rest was borne by Bharthi Axa
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 10, 2017
    • review Health Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I am having health insurance policy with the Bharti axa general insurance company. I have not faced any claims with them and its been provided by my employer. Coverage value is good with them and I have heard that some of my friends have got the claim benefits within a week of time.
      Was this review helpful? 0
      , pune
      Reviewed on May 08, 2017
    • review Health Insurance
      "Disatisfactory Service"
      0.5 1.0/5 "Really Bad"
      I had taken Bharti Axa health insurance through online, their customer support was very lethargic in providing service, they have done the mistakes on my name and age, I had requested them to change then I have sent my pan card and other documents, finally they done the correction after a month. I paid the premium of 6200, they offered me the medical coverage of Rs.5 lakhs its for me and my wife.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 03, 2017
    • review Health Insurance
      "Good and helpful policy"
      0.5 4.5/5 "Excellent!"
      I got health insurance policy via my company with Bharathi axa life insurance. It covers only 4 people, excluding the parents, which is very useful for the family. My company will be paying around Rs.7000 per year to the health insurance company. Actually it is an group health insurance, which is useful in medical coverages and the cashless treatments. The policy is applicable only if the patient is hospitalized, not eligible for OPD check up. I had medical claim once for my spouse, it was totally cashless treatment with easy process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2017
    • review Health Insurance
      "Very good health insurance"
      0.5 3.5/5 "Pretty good"
      Bharathi Axa health insurance provides a coverage of one lakh and cashless benefit I did not get in touch with them. I am holding this bharthi axa life insurance one year the policy would get matured on June 2017. No other benefit in case of any medical issue I can approach them for the same. The company is paving the premium. The maturity amount is 8 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 03, 2017
    • review Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Bharathi Axa medical insurance is really good. They are providing very good and quick response. The claim disbursement and the claim settlement amount is really good. Reimbursement is of two types one is manual and the other one is cash less. In case if the hospital comes under the list we can produce the I card and get the cash less . In case if the list of hospitals does not come under the cover then we had to produce the medical bills and the get the claim.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 04, 2016
    • review Health Insurance
      "Good Services by TPA and Insurance company"
      0.5 4.5/5 "Excellent!"
      I have a group insuarnce from bharti AXA and United Health Parekh is TPA. Unfortunetly I have some health issue and has to go for Cashless hospitalization. and It was really hassle free. Also I filed for Pre and post hospitalization, It was also quite easy. I have applied for Non cashless tratment for my mother also which was also very smooth.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 08, 2016
    • review Health Insurance
      "Good coverage "
      0.5 4.0/5 "Great!"
      It was overall good experience with Bharthi Axa related to the health Insurance.They have offered a good coverage amount for the customer.The benefits offered for the health Insurance was much good with Bharthi Axa.I have not claimed yet through them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 24, 2016
    • review Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I do have life insurance policy with the Bharti Axa life insurance company and I took it long back ago. The customer service is fine with them and they used to be in touch with customer. The premium is around 4000 Rupees per annum and the total policy coverage value is around five lakh Rupees.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 15, 2016
    • review Health Insurance
      "Good Services"
      0.5 5.0/5 "Blown Away!"
      My health insurance is from Bharti- Axa. The services are good. They have a cash less facility as well. It is a corporate health insurance. The coverage is for my family and myself. The coverage is for three lakhs. Overall good. The premium is taken care by the company.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 11, 2016
    • review Health Insurance
      "Bad insurance company "
      0.5 0.5/5 "Unacceptable"
      My father is an policy holder in Bharti axa. He was admitted for an operation we told to the company they said that they ll clear it. But as the operation completed they said it's not under coverage and they canceled the claim it's not one it's for the second time. Very poor during emergency
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 11, 2016
    • review Health Insurance
      "Moderate..."
      0.5 3.0/5 "Satisfactory"
      I do have a claim experience and was good but not that satisfied. According to the paper that I had submitted, got the reimbursement. They had some slabs and accordingly they paid the amount. As for as we there wit this company the health insurance will persists in Bharti Axa because it is a company plan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2016
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