About Bharti AXA Health Insurance
The Bharti AXA General Health Insurance company represents the joint venture between AXA and Bharti Enterprises. With a wide range of effective, affordable healthcare solutions, Bharti AXA soon climbed to the top of the health insurance companies list in India. Their extensive range of plans cover critical illnesses, senior citizen insurance, and have family floater options.
Operating out of over 4500 official Bharti AXA health insurance network hospitals, they have a 98.27% claim settlement ratio for 18+ lakh claims and offer cashless facilities in every network hospital. These kinds of benefits, along with Bharti AXA's various sum insured options, makes them one of the leading choices among insurance buyers today.
Bharti AXA health insurance plans include:
- Bharti AXA SmartHealth Policy
- Smart Super Health Insurance Plan
- Bharti AXA SmartHealth Premium Policy
- Bharti AXA SmartHealth Optimum Policy
- SmartHealth Critical Illness Insurance
- Smart Individual Personal Accident Plan
Let’s take a closer look at the multiple benefits of every Bharti AXA Health Insurance Policy.
Bharti AXA SmartHealth Policy
- Entry Age: 91 days - 65 years
- Policy Term: 1 year
- Sum Assured: Rs. 3 - 5 lakhs
- Pre and Post-Hospitalization: 60 and 90 days, respectively
Other benefits:
- Coverage for all daycare treatment charges
- Ambulance Coverage: Rs. 3000 per hospitalization
- Free health checkup every 4 years
- Bharti AXA Health Insurance Family Floater option offered
Bharti AXA Smart Super Health Insurance Plan
- Entry Age: Depending on the policy document
- Policy Term: 1-3 years
- Sum Assured: Rs. 5 lakhs - 1 crore
- Pre and Post-Hospitalization: 60 and 90 days, respectively
Other benefits:
- Maternity benefit: Rs. 35,000 - 1,00,000
- Restoration benefit: Up to 100% of the sum insured can be restored under the Value plan.
- Hospital Cash Daily Allowance: Rs. 500-3000/day
Bharti AXA SmartHealth Premium Policy
- Entry Age: 2 - 55 years
- Policy Term: 1 year
- Sum Assured: Rs. 1-5 lakhs
- Pre and Post-Hospitalization: 45 and 90 days, respectively
Other benefits:
- Hospital Cash Allowance: Rs. 250-500/day
- Domiciliary Hospitalization: 10% of the sum insured
- No Claim Bonus: Renewal discount - 5% to 25% maximum
Bharti AXA SmartHealth Optimum Policy
- Entry Age: 2 - 45 years
- Policy Term: 1 year
- Sum Insured: Rs. 1 - 5 lakhs
- Pre and Post-Hospitalization: 60 and 90 days respectively
Other benefits:
- Hospital cash allowance of Rs. 500-1000/day depending on the sum insured
- Emergency Road Ambulance Cover: Rs. 2500 per hospitalization
- Convalescence Benefit: 12500 (on continuous 8 days hospitalization or more)
Bharti AXA SmartHealth Critical Illness Insurance
- Entry Age: 3 months - 55 years
- Policy Term: 1 year
- Sum Assured: Rs. 2-5 lakhs
- Pre and Post-Hospitalization: 60 and 90 days respectively
Other benefits:
- Free health checkup after four consecutive claim-free years.
- This policy offers coverage in 2 ways, under 2 sections:
- Section I: Reimbursement provided. Alternatively, treatment expenses are covered in addition to benefits such as hospital daily cash allowance, education expense of children, etc. in case of critical illness.
- Section II: Lump-sum payment/compensation of 100% of the sum insured provided to insured after a survival period of 30 days following critical illness diagnosis.
Bharti AXA Smart Individual Personal Accident Plan
- Entry Age: 18 - 70 years
- Policy Term: 1 year
- Sum Assured: Rs. 2 - 30 lakhs
- Education Grant: Rs. 10,000 - 20,000
Other benefits:
- Accidental Death Benefit: Rs. 2 - 20 lakhs
- Permanent Total Disability Benefit: Rs. 3 - 30 lakhs
- Rs. 1000 per day for 50 days of hospitalization, after the first 2 days (only available under Gold Smart IPA plan)
The Benefits and Advantages of Choosing Bharti AXA Health Insurance Online
The affordability of Bharti AXA’s insurance plans and the desirability shines through every Bharti AXA health insurance review. Considering their high claim settlement ratio and range of insurance options, this is unsurprising. Their extensive website also makes applying for online insurance much more comfortable. Renewal and claim settlement are also simplified by having all the imperative options displayed on one page. What are the many benefits of opting for Bharti AXA insurance?
- A wide selection of over 4500 excellent hospitals from the official Bharti AXA Health Insurance Hospital List. Get access to the latest treatments with a completely cashless payment process!
- From the Bharti AXA Health Insurance login page, renewing your health insurance is very easy! Simply visit Bharti AXA’s health insurance renewal portal and fill in the necessary details such as policy number, expiry date, your name, email ID, etc. Bharti AXA will redirect you to the payment page where you can pay your premium and renew your policy in no time!
- They are completely transparent about every aspect of the insurance process. From claim settlement rates to finances, you can find all the information on their website.
- Their comprehensive customer support services ensure that they guide you to the right insurance product for your needs.
- Having settled over 18 lakh claims, they are one of the most efficient insurance providers in India.
- The comprehensive coverage they provide by reimbursing maternity charges, pre and post-hospitalization costs, offering multiple benefits and discounts, along with free health checkups places their healthcare solutions at the forefront. This is particularly pertinent to the Bharti AXA Health Insurance For Senior Citizens.
- All Bharti AXA premiums are deductible under Section 80(D) of the Income Tax Act.
Bharti AXA Health Insurance Premium Calculator
Apart from paying your premium and renewing your policy, Bharti AXA also allows you to predict your premium. They calculate this based on several factors. These include:
- Your age
- Your medical history
- Whether you want an individual or family floater plan, i.e. the number of members
- Any pre-existing conditions you may have
- Your occupation if accident insurance is your choice
- Your ideal sum insured
This range of criteria ensures that you get a very accurate prediction of the premium you can expect to pay for your Bharti AXA health insurance policy.
Bharti AXA Health Insurance Claim Processes
The current Bharti AXA health insurance claim ratio is 98.27% - a record high number of validated claims! Such figures give you more assurance that you will be in good hands that take your case seriously and validate claims to ensure greater healthcare reach. As long as you choose the correct Bharti AXA Health Insurance claim form and start the right process, you will be in good hands!
Reimbursement Process
- Inform Bharti AXA General Insurance within 48 hours of hospitalization.
- You need to pay all the bills at the hospital and then apply for reimbursement. Keep all the original documents and proof of payments from the hospital to submit for insurance.
- Bharti AXA will reimburse you within 21 days of filing the claim after validating it.
Cashless Process
- Ensure that your hospital is on the Bharti AXA Health Insurance Cashless Hospital List.
- Fill in the cashless claim form at the network hospital and submit it to the insurance help desk or fax it to Bharti AXA. They will then settle the charges directly with the hospital.
- You will receive an authorisation letter if your claim is validated. If rejected, you will get a note with the reason for rejection.
- In case of planned hospitalization, fill in cashless forms and submit them 4 days in advance.
- Both you and the hospital will get confirmation about receiving the cashless claim within 6 hours.
Always make sure you have the correct information and necessary documents. If you have any confusion regarding these processes, Cover 360 is here to help you ensure your claims are successful and contain all the essential information!
Bharti AXA Health Insurance Renewal Procedure
- Visit cover360.in and go to our renewal page
- Enter the details asked
- You will be taken to Bharti AXA’s website to complete the procedure
- Fill in all your details regarding your plan, policy number etc.
- You will be redirected to the payment portal where you can choose your method of payment and pay your premium, successfully renewing your policy
If you have any further questions regarding any step of the process, reach out to us, and our experts will happily clarify any queries!
