• Bharti AXA Smart Health Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Health insurance today is a vital part of financial planning and taking care of hospitalization expenses. Bharti AXA Smart Health Insurance is available in 3 plans – Rs.2 lakhs, Rs.3 lakhs and Rs.5 lakhs to suit your needs and budget.

    Check Your Eligibility

    Features & Benefits - Bharti AXA Smart Health Insurance:

    Eligibility
    • Residents of India.
    • Policy can cover a maximum of 4 family members – the policyholder, spouse and 2 dependent children (over 90 days old and under 23 years of age).
    • Children who are between 90 days and 5 years old can be covered if at least one parent is covered under this policy.
    Policy period and renewal
    • Annual policy.
    • Lifetime renewability.
    • 30-day grace period for renewals.
    • 5% discount on renewal for every claim-free year up to a maximum of 25%.
    Sum insured options and plan options
    • Sum insured options:
      • Rs.2,00,000.
      • Rs.3,00,000.
      • Rs.5,00,000.
    • Plan options:
      • Smart Health Basic
      • Smart Health Premium.
      • Smart Health Optimum.
    Coverage
    • Hospitalization expenses.
    • Domiciliary hospitalization.
    • Day-care treatment.
    • Pre and post-hospitalization expenses.
    • Pre-existing diseases (after 4 renewals).
    • Organ transplantation.
    • Hospital cash allowance.
    • Home nursing.
    • Ambulance charges.
    • Critical Illnesses:

      Insured person is entitled to receive double the sum insured if diagnosed with any of the below 20 critical illnesses and meets necessary diagnostic criteria and conditions

      • Cancer,First Heart Attack,Coronary Artery Disease,Coronary Artery bypass surgery
      • Heart Valve Surgery,Aorta Surgery,Stroke,Kidney Failure
      • Aplastic Anemia,End-stage lung disease,End-stage liver failure,Coma
      • Major Burns,Major organ/bone marrow transplant,Multiple sclerosis,Fulminant Hepatitis
      • Motor Neurone Disease,Primary Pulmonary hypertension,Terminal Illness,Bacterial Meningitis
    Exclusions
    • Diseases like HIV / AIDS and other related STDs.
    • Cost of spectacles, contact lenses, hearing aids, etc.
    • Pre-existing diseases before 4 renewals.
    • Pregnancy and childbirth related complications.
    • Diseases that commence within 30 days of the policy’s commencement.
    • Certain named chronic diseases available in the policy document.
    • Treatment from those not registered as medical practitioners.
    • Alcohol and drug abuse related medical emergencies.
    • Hospitalization expenses incurred outside India.
    • Suicide or self-inflicted injury or illness.
    • Mental disorders, anxiety, stress or depression as a result of abuse of drugs and alcohol.
    Tax benefit Premium paid for this plan is eligible for deductions under Section 80D of the Income Tax Act, up to Rs.25,000.
    Other benefits
    • Cashless hospitalization at over 4,300 hospitals across India.
    • Unlimited room rent (on select plans).
    • 24x7 claim assistance and east settlement process.
    • Dedicated claims handler.
    • Medical examination reimbursement of 50% of total cost at designated hospitals.
    • Portability of older insurance policies.

    Hospitals today run on top of the line equipment with specialist doctors and world-class facilities. As beneficial as this is for those in recovery, it does not come cheap. Bharti AXA Smart Health insurance plans prepare you for the worst eventualities. In the horrible event that you or your dependents are hospitalized, this health insurance policy will lighten the financial burden to a great degree ensuring that you are able to focus all your attention on recovery.

    *Disclaimer: Please chose your policy wisely after careful consideration of all policy documents and literature therein. Diligent examination and scrutiny of terms and conditions, exclusions (if any) and conditions on premium payments is strongly advised. This article is purely informational and is not designed to influence your decision in any way.

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

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

    Also Read: Check Incurred Claim Ratio of Health Insurers

    Also Read: Best Health Insurance Plans of 2017

    Also Read: How to File a Claim with Bharti AXA?

    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.

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    Bharti AXA Smart Health Plan Reviews

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    • 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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
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      , 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
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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.
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      , 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
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      , 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.
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      , hyderabad
      Reviewed on Mar 19, 2016
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