- About Coverfox
Health Insurance Plans starting @ Rs 6 / day
Bharti AXA General Insurance Company Ltd. (IRDA Reg. No 139) are renowned insurance vendors with a loyal fan following accumulated since the time of its inception - August 2008. Bharti Enterprises is an Indian conglomerate that is quite a stalwart in its own respect, with presence in various parts of the world.
Bharti AXA is a joint venture, and Bharti AXA health insurance plans are very popular in India.
AXA is a global name in wealth management and financial protection. A significant achievement of this brand is that Bharti AXA is known for the high quality products and customer relationship services they offer. Bharti AXA health insurance arm boasts of a simple claims process, which is one of the main reasons for customers’ gratification. They have ‘smart’ policies that claim to be smart and simple, and suit anyone just as easily.
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:
Note: For both the individual and family floater coverage this plan has sub-limits (limits for coverage for room rent, ICU/CCU rent, etc.).
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. Bharti AXA SmartHealth Optimum Policy
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
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
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
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.