Bharti AXA General Health Insurance is one of India’s most prestigious general insurers. Established in 2008 as a result of a partnership between the renowned Bharti Enterprises and AXA, a global leader in financial protection and wealth management, they offer two-wheeler, car, health, third-party motor liability, and third-party motor liability policies along with affordable premiums, excellent claim settlement ratios, and tax deductions under Section 80D of the Income Tax Act.
In the event of a medical emergency, it is essential to have an affordable health insurance plan in place in case medical costs exceed your savings. Bharti AXA provides a variety of premium mediclaim plans that provide financial protection against unforeseen illnesses or injuries, including pre and post-hospitalization expenses, maternity benefits, critical illnesses, and reimbursement of out-of-pocket medical expenses at over 4500 network hospitals nationwide.
The Bharti AXA Smart Health Critical Illness Plan protects against potentially life-threatening conditions that are expensive to treat and could force you to deplete your savings, jeopardizing your family’s plans and future goals. This plan includes coverage for organ transplant expenses and an education fund for your child’s future success.
Access their website to acquire a Bharti AXA health insurance policy. After filling out an online form with all the required information and selecting “Buy Now,” the platform will present the plan that best suits your lifestyle and needs based on the lifestyle data collected about you. When set, payment can be made online using various methods, including credit/debit card and net banking options.
Principal Advantages of Bharti AXA General Health Insurance
The health insurance plans provide inpatient hospitalization coverage for a minimum of 24 hours, which includes room and board, nursing care, surgery/anesthesiologist fees, outpatient therapy fees, etc.
- Prior hospitalization expenses are covered for up to 60 days before hospitalization.
- Post-hospitalization expenses are covered for up to 90 days immediately following discharge.
- Coverage of specified Day Care Procedures.
- Coverage extends to hospitalizations at home.
- Additional critical illness benefit is accessible.
- Coverage of ambulance expenses.
- Income Tax Deductions under Section 80 of the IT Act for Premium Payments
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Bharti AXA Health Insurance Plans Offer Value-Added Benefits
- Hospital Cash Allowance is available if hospitalization lasts longer than three days.
- No Claim Bonus for claim-free years will be capped at 10 years and 100% of the first Health Guard’s Sum Insured.
- The accompanying person’s hospital expenses are covered during the hospitalization stay.
- Inpatient physiotherapy costs are reimbursable.
- Following a catastrophe, expenses incurred for Outpatient Dental Emergency Treatment are covered.
- Reimbursement of the costs incurred to transport the insured’s mortal remains from the hospital to their residence is provided.
Bharti AXA Health Insurance Checklist
- Determine and finalize the necessary coverage based on your personal, health, and family demands.
- Finalize the insured quantity and premium.
- Examine all the exclusions in the policy document with care.
- Carefully read the policy document.
- Choose from the available add-ons.
- Maintain all documentation
Checklist before Buying Bharti AXA Health Insurance
- Valid Government issued id proof (Adhaar card, PAN card)
- Address proof
- Medical records, upon request
What if I was previously a Bharti AXA health insurance client?
Former Bharti AXA health insurance policyholders can continue to experience the terms of their policy until its expiration. By accessing the ICICI Lombard website, you can access all of the services offered under your current policy. The transaction does not affect the terms and procedures governing claim settlement, continuity benefits, and other aspects. In addition, the policy document will remain legitimate and will not require revision.
If your previous Bharti AXA health insurance policy expires, you can switch to an ICICI Lombard comprehensive health insurance policy. Up to the age of 55, there is no limit on hospital room rent, no co-payment, and no pre-medical exam is required. Consequently, it is one of India’s most popular health insurance plans.