- About Coverfox
Bharti AXA, known for their high quality products and customer relationship services, are health insurance providers that relieve you of all your health related worries in the times of need.
Bharti AXA is a joint venture, and Bharti AXA health insurance plans are very popular in India.
With plans that offer lifetime renewal benefits, room rent on certain plans and coverage of pre-existing diseases, it is clear that the company understands the importance of health and offers unique health insurance benefits to insurers.
Note: All information regarding inclusions/exclusions, product features and benefits have been sourced from the official website of Bharti AXA General Insurance.
|Pre-existing diseases: Covered after 48 Months.|
|24 months for the specific diseases or illness or procedures/surgeries.|
|Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)||Maternity expenses: where maternity cover is opted, waiting period until 9 months since inception of the first Policy with the Company.|
|Critical Illness - 60 days waiting period and 30 days survival period.|
|Internal Congenital Anomalies are covered after a waiting period of 48 months.|
|Genetic disorders are covered after a waiting period of 48 months.|
|Any benefit under Critical Illness Section within 30 days from the date of inception in case of benefit plan and 60 days from the date of inception in case of reimbursement plan.|
|Hospitalization expenses incurred for treatment undertaken for disease or illness and/or for critical illness within 30 days of the inception date of this Policy.|
|War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. Disease/ Illness/ Injury whilst performing duties as a serving member of a military or a police force.|
|Any Illness or Injury directly or indirectly resulting or arising from or occurring during commission of any breach of any law by the Insured Person with criminal intent.|
|Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or, as may be necessitated due to an accident.||Dental treatment or surgery of any kind unless requiring hospitalization.|
|Birth control procedures, hormone replacement therapy, treatment arising from or traceable to pregnancy, childbirth including caesarean section and voluntary medical termination of pregnancy during the first 12 weeks from the date of conception. However, this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending Medical Practitioner.|
As the name suggests, SmartHealth Basic offers the most basic coverage in case of hospitalization.
Under family floater coverage the Smart Health Plan all the family members are covered on a shared basis as follows:
|Sum Insured (SI)||5|7 lakhs||10|15|20 lakhs||20|30|50|60|70|80|90|100 lakhs|
|Room Rent||Upto SI. No Cap||-||-|
|Pre/Post Hospitalization Expenses||Upto SI - 60 days/90 days||-||-|
|Restoration of SI||Upto 100% of SI||-||-|
|AYUSH, Day Care, Organ Donor and Domiciliary Hospitalization Expenses||Upto SI||-||-|
|Maternity Benefits||Rs.35,000 - Maternity Rs.25,000 - New Born||Rs.50,000 - Maternity |
Rs.50,000 - New Born
|For SI of Rs. 20 and 30 Lakhs - Rs.75,000 - Maternity Rs.75,000 - New Born |
For rest of the SIRs.1,00,000 - Maternity
|Ambulance Charges||Upto Rs. 3000/event||-||-|
|Hospital Cash Allowance add-on||Option of Rs.500, 1000 / day||Option of Rs.500, 1000, 2000 / day||Option of Rs.500, 1000, 2000, 3000 / day|
|Annual Health Check-up||Basic||Extended||Comprehensive|
The two major health insurance products offered by Bharti AXA are Smart Super Health Insurance Policy and Smart Health Insurance Policy. Mentioned below are the features for the same.
|Criteria||3 lakh||4 lakh||5 lakh|
|Room Rent||As per the selected plan||-||-|
|Pre/Post Hospitalization Expenses||Up to SI for 30 - 40 Days/60 days max||-||-|
|AYUSH, Day Care, and Domiciliary Hospitalization Expenses||Upto SI 10% of the Sum Insured||-||-|
|Organ Donor||10% of SI||15% of SI||10% of SI|
|NCB||Renewal discount of 5% upto 25%||-||-|
|Health Check-up||Once in block of 4 years||-||-|
|Critical Illness add-on||Additional 100% SI on hospitalisation expenses||-||-|
|Hospital Cash Allowance add-on||Rs.250||Rs.350||Rs.350|
The SmartHealth Premium is the advanced variant of SmartHealth Basic plan which offers additional benefits upon hospitalization.
The family floater option covers the entire family on a shared basis.
Note: The sub-limits applicable for both individual and family floater covers larger expenses when compared to the basic plan.
The SmartHealth Optimum is the most advanced variant of SmartHealth plan which offers benefits like additional coverage upon diagnosis of critical illness and dread disease recuperation benefit along with the benefits offered in the other two variants.
All the benefits offered under SmartHealth Optimum are available on shared basis for the entire family.
Note: This plan does not have any sub-limits on room rent expenses.
SmartHealth Critical illness policy is a benefit plan which offers lump-sum benefit after diagnosis of critical illness.
Personal Accident cover- Superior Plan
This is personal accident disability plan available online. It is available for occupation risk group 1 and occupation risk group 2 only.
SmartIndividual Personal Accident Insurance
The SmartIndividual personal accident plan is a highly customized personal accident disability plan with 7 different coverage options, offered by Bharti AXA.
Note: In this plan, individuals are categorized into three groups (based on the nature of the job.
Smart Individual Personal Accident Basic
This is basic of all the SmartIndividual personal accident plans. It offers compensation:
SmartIndividual Personal Accident Regular
In addition to benefits offered under personal accident basic plan,
Note: This plan does not cover medical expenses.
SmartIndividual Personal Accident Standard- Covers All the Medical Expenses
Smart Individual Personal Accident Silver
SmartIndividual Personal Accident Gold
Note: This plan is applicable if the minimum monthly income is Rs. 40,000 and for occupation groups I and II.
SmartIndividual Personal Accident Superior
Bharti AXA General Insurance has provided the facility to renew the policy online directly from the website. Simply visit the online portal and select the renewal option. Next, you are required to submit the following details policy no., policy expiry date, name, email id and mobile number. Post submission, you will be redirected to the payment page to recharge the premium via net banking/credit/debit card. This is the same process for buying a new policy online.
There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.
Bharti AXA Health Insurance has a well-defined claim processing system.
Planned Hospitalization: Intimation for hospitalization to be given 48hrs prior to hospitalization
Emergency Hospitalization: Intimation for hospitalization to be given within 24hrs from the time of hospitalization
Claim Process Contact Details:
Phone Number: 1800-103-2292 (Toll Free – 24*7 Number) or SMS – “CLAIM” to 5667700 (Registered Phone No.)
Email ID: claims@bharti-AXAgi.com or TPA
For ease of claim, we have tied up with the two main Health claims handlers- Paramount and Emeditek
Step 1: Emergency treatment at our Cashless network
Step 2: Planned treatment at our Cashless network
Step 3: If the treatment is not covered under the policy
Step 1: Reimbursement for treatment done outside our panel
Furnish the following list of the documents to Bharti AXA – Health Claims (Head Office, Bangalore) / TPA:
We will review the documents and effect the payment within 21 days of receiving the complete documents. If the treatment claimed is not covered under your plan, a letter will be sent along with the reasons for rejection.
Step 2: If the treatment is not covered under the policy
We will review the documents and effect payment within 21 days of receiving the complete documents. If the claim is rejected, a letter will be sent along with the reasons for rejection.
Cashless Hospital Network
Your health insurance at Bharti AXA offers you cashless servicing across India. Find the nearest hospital by selecting location. To download Bharti AXA General Insurance cashless hospital list across TPAs, please View Cashless Network Hospital List Download Health Insurance Cashless Claim Form: Claim Form to download Download Health Insurance Reimbursement Claim Form: Claim Form to download Download Health Insurance Pre-Authorization Form: Pre-Auth Form to download
For Cashless claims policyholder can contact Bharati AXA through any of their 24x7 convenient intimation modes and notify about the claim within 48 hours of date of admission to the hospital or before discharge from the hospital, whichever is earlier.
For reimbursement claims – Claim must be intimated within 7 days from date of discharge and all original and other necessary documents along with the claim form must reach the insurer within 30 days from the date of discharge. If everything is in order, payment will be made within 21 days of receiving all documents. If claim is rejected, a letter explaining the reason for the rejection is sent.
You can also avail the facility of an Insurance Premium Calculator free of cost form the official website of Bharti AXA General Insurance. An insurance premium calculator derives the right amount of premium on your behalf. Simply enter your basic details such as age and policy cover and the premium calculator will mention the different premium quotes applicable to you.
You can locate your nearest Bharti AXA Health Insurance Network Hospital from the official website of Bharti AXA General Insurance. Simply select the state and city of residence and the entire list of network hospitals will be displayed. Bharati AXA has 4500+ hospitals under its network which provides cashless hospitalization benefits.
With competitively priced products and inspiring features, Bharti AXA is one of the Top Ten insurance companies in India. Their Triple Health Insurance Plan for Critical Illness offers coverage against as many as 13 critical illnesses.
However, a waiting period of 4 years clubbed with lack of any No Claim Bonus for claim free years is a bit impediment. Largely, if you are in quest of an insurer who believes in persistent innovation clubbed with pragmatism and professionalism, Bharti AXA undoubtedly notches some brownie points. Call Coverfox at 1800-209-9920 to help you choose the best plan for you.
Why should one buy Bharti AXA Medical Insurance Plans?
With competitively priced products and inspiring features, Bharti AXA is one of the Top Ten insurance companies in India.
How to apply for Bharti AXA Health Insurance Plans?
You can apply for Bharti AXA Health Insurance Plans directly from the website or by physically visiting the branch. Additionally, you can request a call back by registering your mobile number at the website.
How is Bharti AXA Health Insurance different from other insurance policies?
Bharti AXA health insurance plan offers unique features based on the sum insured chosen by the policyholder. There is a varied range of sum insured options available which a person can choose from.
Is Pregnancy covered as a part of Bharti AXA Health Insurance plan?
Yes, maternity benefits are provided to the mother and the new born child as per the policy variant selected.
How to Cancel Bharti AXA Health Insurance Policy?
You can cancel your Bharti AXA Health Insurance Policy by submitting the surrender application at the nearest branch and paying the cancellation charges.