Health Insurance

Health Insurance by Bharti AXA - A Snapshot

With health insurance, you and your family are medically covered at an affordable premium.



Comprehensive Range of Medical Cover up to Rs. 1 Cr



Up to Rs. 55,000 tax-savings under Section 80D



Cashless Hospitalization across 4500+ Network Hospitals



24/7 Claim Assistance

Why Buy Health Insurance?

Your hectic work tends to alternate your lifestyle choices, thus adversely affecting your health. As a result, you spend all your hard-earned savings on medical treatment. Though medical costs have increased over the years, you still can’t compromise on health, can you?


Our Two Major Health Insurance Plans

Medical emergencies can strike at any time. The best you can do is choose a coverage that helps you stay protected against the unexpected.

Smart Super Health Insurance Policy

Wide Coverage from Rs. 5 Lakh to Rs. 1 Cr.

No capping on room rent

Pre and Post-Hospitalization of 60 days and 90 days

Restoration of Sum Insured up to 100%

Maternity Benefit with 9 month waiting Period for policies of 3 year Premium paying term

No-Claim Bonus up to 100% of Sum Insured

Annual Health Check-Up

Organ Donor expenses covered up to Sum Insured

Option to choose for Critical Illness Cover/Hospital Cash

Smart Health Insurance Policy

Coverage up Rs. 5 Lakh

Renewal Discount of 5% up to 25% on no claims made

Inbuilt Critical Illness Cover

Dread disease Recuperation Benefit in case of critical illness.

Love at First Try with Bharti AXA Health Insurance

Adopting a healthy lifestyle is in your hands. But, there are some things in life that are beyond your control. And for that, we can be the ideal companion to your financial health.

1.3 Million Policies issued
PAN India Cashless Network Hospital
98.27% Claim-Settlement Ratio
79 Branches across India

Scope of Coverage in Health Insurance

Here’s why having health insurance is advantageous all the way.


If you are admitted to a cashless or non-cashless hospital, your medical treatment expenses are either directly paid by us to the hospital or reimbursed to you.

Pre- and post-hospitalization expenses

All expenses such as diagnosis, doctor’s fees, medicines, etc. for your treatment before hospitalization as well as after hospitalization are covered. 

Sum assured Flexibility

As per your requirement, you can choose from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh sum assured plans. These are variants of our smart health insurance policy.

Unlimited Room Rent

Some plans even offer luxury room rent so that you can get treated in a hospital room setup of your choice.

Tax benefits

Under Section 80 D of the Income Tax Act, enjoy tax benefits of up to Rs. 25,000 and even Rs. 30,000 in case of senior citizens.

Pre-existing diseases

As mentioned in the policy document, certain pre-existing diseases are covered only after completion of specific waiting period from starting date of policy.

Benefits up to sub-limits

Up to certain limit of sum insured, you get extra benefits of hospital cash allowance, home nursing allowance, and reimbursement charges for in-patient physiotherapy and ambulance.

Additional features

Get discount that is equivalent to 5% of renewal premium each year. Also get reimbursement of medical check-up expenses at the end of four continuous years.

The Exclusions & Waiting Periods

Inclusions Exclusions

Smart Super Health Insurance Policy

Pre-existing diseases: Covered after 48 Months.

24 months for the specific diseases or illness or procedures/surgeries (refer to the Policy wordings for entire list)

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.

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.

Smart Health Insurance Policy

Pre-existing diseases: Covered after 48 Months.

24 months for the specific diseases or illness or procedures/surgeries (refer to the Policy wordings for entire list)

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. 

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.

Saving-Up on Health Insurance Premiums

Who doesn’t love discounts? A few things can actually help you lower your premiums.

  • Be an early bird

Health risks increase as you age. So, the more you age, the higher is your premium. That’s why it makes complete sense to buy  medical insurance at an early age

  • Avail No-Claim Bonus (NCB) Bonus

During policy renewal, you can enjoy up to 25% no-claim bonus discount for your claim-free years. This is nothing but your renewal discount.

  • Choose a family floater plan

If your family comprises of young members, then opting for a family floater plan is an ideal solution. All insured members enjoy benefits of a single sum insured amount. Instead of buying a separate plan for every individual, the floater plan helps save up premium.

  • Leave unhealthy habits

This may sound tough to practise if you regularly smoke and consume alcohol. But giving up on bad habits can not only make you healthy but also dramatically cut down on premiums.

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they have to say about us.

Shop Online - The Easy way

Your health insurance policy will have reached your inbox even before you blink. Seriously. Our online shopping process is that quick and easy. Check out the steps.



Choose to renew or buy health insurance .



Enter personal details & answer few eligibility criteria questions.



Select recommended plan and get total premium.



Add complete details and check the summary. Make payment.



Policy is sent in PDF to your mailbox.

Note: For sum insured more than Rs. 2 lakhs, no medical test required if your age is less than 46 years. For sum insured = Rs. 2 lakhs, no medical test required if your age is less than 56 years. Subject to that, you don’t suffer from any pre-existing medical conditions.

Policy Renewal Remainder

You have so many things to remember. Birthdays, anniversaries, collecting clothes from the laundry, paying electricity bills, etc. In the midst of all this, it’s hard to remember the health insurance policy renewal date. We at Bharti AXA understand this, and that’s why we have created a unique facility called policy renewal reminder for you.

All you need to do is fill in your details. We’ll remind you when your policy renewal date is near. Sounds cool?

Frequently Asked Questions (FAQs)

  • My employer already covers all medical bills for my family and me. Do I still need Health Insurance?

The medical insurance cover provided by your employer is available to you only as long as you are an employee of the company. Moreover, the sum insured under your employer's medical policy may not be adequate for your needs. Hence it would be advisable to go for a separate health insurance policy.

  • Can parents be covered under my Health insurance policy?

We cover self, spouse and two dependent children under the age of 21 years under one policy.

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