Health Insurance by Bharti AXA - A Snapshot

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

 

FLEXIBLE PLANS

Comprehensive Range of Medical Cover up to Rs. 1 Cr

 

TAX SAVINGS

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

 

CASHLESS CLAIMS

Cashless Hospitalization across 4500+ Network Hospitals

 

DEDICATED CLAIMS

24/7 Claim Assistance

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.

Sum insured

Smart Super health Insurance Plan

Value Classic Uber
5 Lakh 7 Lakh 10 Lakh 15 Lakh 20 Lakh 20L 30L 50L 60L 70L 80L 90L 100L

Smart health Insurance Plan

3 Lakh 4 Lakh 5 Lakh
Room Rent (per day)

Upto SI. No Cap

Upto SI. No Cap

Upto SI. No Cap

As per the plan opted, for complete details, refer policy wordings
Pre-Hospitalisation

Upto SI - 60 days

Upto SI - 60 days

Upto SI - 60 days

Up to SI for 30 - 40 Days, please refer to the policy wordings.
Post Hospitalization

Upto SI - 90 days

Upto SI - 90 days

Upto SI - 90 days

Upto SI - 60 days
Restoration of Sum Insured

Upto 100% of S.I

Upto 100% of S.I

Upto 100% of S.I

NA
Day Care Treatment

Upto SI

Upto SI

Upto SI

Upto SI
AYUSH Treatment

Upto SI

Upto SI

Upto SI

Upto SI
Domiciliary Hospitalization

Upto SI

Upto SI

Upto SI

10% of Sum Insured
Maternity Benefit
Maternity benefit with 9 month waiting period, upto first 2 deliveries/MTP in lifetime ( available only with 3 yr. policy term) New Born Baby for first 90 days

Rs.35,000 - Maternity
Rs.25,000-New Born

Rs.50,000 - Maternity
Rs.50,000 - New Born

Rs.75,000 - Maternity
Rs.75,000 - New Born

Rs.1,00,000 - Maternity
Rs.1,00,000 - New Born

NA
Domestic air ambulance
max once in a policy year / per life

Not Available

Not Available

upto Rs. 1,00,000

upto Rs. 2,00,000

NA
Emergency Surface Ambulance Charges

Rs.3000/event

Rs.3000/event

Rs.3000/event

Rs 1500 Rs 2000 Rs 1500
Organ Donor

Upto SI covered in all cases, as per Indian Organ Donor Transplantation Act

Upto SI covered in all cases, as per Indian Organ Donor Transplantation Act

Upto SI covered in all cases, as per Indian Organ Donor Transplantation Act

10% of SI
This is over and above the Original SI
15% of SI
This is over and above the Original SI
10% of SI
This is over and above the Original SI
Available In case of critical illness
Convalescence Benefit

Not Available

Rs.10,000
( on continues 10 days hospitalization or more)

Rs.15,000

Rs.20,000

( on continues 10 days hospitalization or more)

NA
Out-patient Dental Emergency Treatment:(Accidents only)

Not Available

Not Available

Rs.5,000

Rs.7,500

NA
Out-patient Emergency Treatment for Accidents

Not Available

Rs.2,500

Rs.10,000

NA
Animal bite ( Vaccination)

Not Available

Rs.2,500

Rs.5,000

NA
No Claim Bonus

As per annexure below

As per annexure below

As per annexure below

Renewal discount of 5% upto 25%
Health Check-up

Annual - Basic

Annual - extended

Annual - comprehensive

Once in block of 4 years
Critical Illness

Critical illness sum insured opted should not be more than the sum insured This is under In-patient Treatment section, Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.

Critical illness sum insured opted should not be more than the sum insured This is under In-patient Treatment section, Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.

Critical illness sum insured opted should not be more than the sum insured This is under In-patient Treatment section, Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.

Additional 100% SI on hospitalisation expenses
Basis of payment

Lump sum benefit for critical illnesses This is over and above the S.I

Lump sum benefit for critical illnesses This is over and above the S.I

Lump sum benefit for critical illnesses This is over and above the S.I

Reimbursement
Hospital Cash Allowance

Option of Rs.500 , 1000 / day Maximum 30 days - deductible 1 day Hospital Cash allowance if opted has to be opted for all Insured/Insured person(s) in a Policy with common limit for Insured/Insured person(s)

Option of Rs.500,1000,2000 / day Maximum 30 days - deductible 1 day Hospital Cash allowance if opted has to be opted for all Insured/Insured person(s) in a Policy with common limit for Insured/Insured person(s)

Option of Rs.500, 1000,2000,3000 / day Maximum 30 days - deductible 1 day Hospital Cash allowance if opted has to be opted for all Insured/Insured person(s) in a Policy with common limit for Insured/Insured person(s)

Rs 250 per day 10 Days - deductible 3 days Rs 350 per day 15 Days - deductible 3 days Rs 350 per day 10 Days - deductible 3 days
Home Nursing
10 days - 3 days deductible

Not Covered in this policy

Not Covered in this policy

Not Covered in this policy

NA Rs 250 per day NA
Inpatient Physiotherapy

Not Covered in this policy

Not Covered in this policy

Not Covered in this policy

NA 1% of SI NA
Accompanying Person Expenses

Not Covered in this policy

Not Covered in this policy

Not Covered in this policy

Rs 250 for 5 days after first three days
Parent Accommodation as Companion for Child:

Not Covered in this policy

Not Covered in this policy

Not Covered in this policy

NA Rs 250
For 10 days after first three days
NA
Dread disease Recuperation Benefit in case of critical illness

Not Covered in this policy

Not Covered in this policy

Not Covered in this policy

Rs 200 per day
for a max of 45 days
Rs 300 per day
for a max of 45 days
Rs 200 per day
for a max of 45 days
The Exclusions & Waiting Periods
Smart Super Health Insurance Plan Smart Health Insurance Plan
Initial waiting period: 30 days for all illnesses
Not applicable on renewal or for accidents
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
24 months for the specific diseases or illness
This is also applicable for procedures/surgeries. Refer to the Policy wordings for entire list
Pre-existing diseases: Covered after 48 Months Any benefit under Critical Illness Section
This is 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
Maternity expenses: Covered but has waiting period until 9 months
This is since inception of the first Policy with the Company
Hospitalization expenses incurred for treatment undertaken for disease or illness
This is also and/or for critical illness within 30 days of the inception date of this Policy
Critical Illness 60 days waiting period and 30 days survival period Circumcision unless necessary for treatment of a disease
It is also for illness or injury not excluded hereunder, or, as may be necessitated due to an accident
War (whether declared or not)
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
Dental treatment or surgery of any kind unless requiring hospitalization.
Any Illness or Injury directly or indirectly resulting or arising
This is only if it occurs during commission of any breach of any law by the Insured Person with criminal intent
Birth control procedures, hormone replacement therapy
Also any 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
Disease/ Illness/ Injury
This is whilst performing duties as a serving member of a military or a police force

Smart Health Zone

Your health means a lot to you, isn’t it? That’s why, we have created a perfect and unique learning space just for you. Head over to know how you can take good care of your health and suitably insure it..

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

Hospitalization

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.

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 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.

Step

01

Select a suitable plan

Step

02

Fill details & make the payment

Step

03

Get the policy in 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.

Want To Contact Us? Drop A Note