Health Insurance

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1.3 million

Policies Issued



Claim Settlement Ratio


Pan India

Network Hospitals

The Need For Health Insurance

Instead of chasing wealth, first chase good health. Because only if you’re fit and fine, you’d be able to work hard, earn well, and have a good life.

Unfortunately, the demanding work culture has alternated our lifestyle choices. Our diet, sleep cycles, and emotional well-being adversely affects our health. Due to this, we end up seeking medical treatment very often and end up spending all our hard-earned savings.

Even though, medical costs have increased over the years, can you ever compromise on health? No right? But the smartest thing that you can do is seek health insurance at an early age to tackle rising medical expenses.

Choosing the right health plan for you and your family. It’s the best solution to staying financially secured against unforeseen health problems.


Bharti AXA Health Insurance Benefits

The Smart Health Insurance Policy from Bharti AXA is one of the most comprehensive health insurance plan that is designed to protect you and your family. It covers major hospital expenditures that arise due to unfortunate events or medical conditions. With a dedicated claims handler, you can be assured of a hassle-free claim settlement. Moreover, at Bharti AXA, we stand by you as your medical and financial support. Check out our medical benefits.

  • Choose from 3 different plans

The Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh plans offer double sum insured for critical illness and can be received in form of lump sum compensation. It helps cover hospitalization and daily expenses.

  • 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.

  • Instant policy:

Ready with the necessary details to be filled in? We’ll have your health insurance policy delivered to your mailbox at the snap of a finger.

  • No paperwork:

The world is going digital! Why should we let you stay behind? No more fussing over paperwork. Easily manage your policies with us online.

  • User-friendly interface

Relax. We’ve made the travel insurance purchase process online effortless.

Inclusions Exclusions

1. Day care treatment where 24 hours of hospitalization is not required for treatments like dialysis, chemotherapy, eye surgery, lithotripsy, etc., undertaken in a hospital

2. Domiciliary hospitalization where care and treatment is taken at home exceeding 3 days for disease, illness or injury.

3. Critical Illness covered:

  • Cancer
  • First Heart Attack
  • Coronary Artery Disease
  • Coronary Artery bypass surgery
  • Heart Valve Surgery
  • Surgery to Aorta
  • Stroke
  • Kidney Failure
  • Aplastic Anemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma
  • Major Burns
  • Major Organ/Bone Marrow Transplantation
  • Multiple Sclerosis
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis

1. Hospitalization expenses for treatment taken for disease or illness within 30 days of inception of the policy. This clause is not applicable on subsequent renewals.

1. First 2 years exclusions include:

  • Cataract, laser surgery
  • Myomectomy, Hysterectomy unless because of malignancy
  • Dilation and curettage
  • Hernia, Hydrocele, fistula in anus, sinusitis, hemorrhoids/piles
  • Joint replacement, unless due to accident
  • All types of skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
  • Dialysis required for chronic renal failure
  • Gastric and duodenal erosions & ulcers

2. Permanent Exclusions

  • Routine medical, eye and ear examinations, cost of spectacles
  • Dental treatment
  • Circumcision, sex change or treatment
  • Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV

Frequently Asked Questions

Have a question on medical insurance plans that will help you with the decision-making? Look at these Frequently Asked Questions and you may find the answer. These carefully selected questions will help you understand our products and services better. However if you still need more information, you can always contact us here. Our executives will be glad to assist you.

  • Are there any tax benefits if I take health insurance policy?

Section 80D of the Income Tax Act, 1961 will help you in getting tax deductions on medical insurance premiums. The deductions allowed are as follows:

For Self and Family:

Maximum deduction of Rs. 25,000 per year on health insurance premium for self and family.

Maximum deduction of Rs. 30,000 per year if you are a senior citizen.

For Parents:

Maximum deduction of Rs. 25,000 per year on health insurance premium paid on behalf of parents.

Maximum deduction of Rs. 30,000 per year on premium payments for senior citizen parents.


  • Are health cards provided?

Yes, we send you a health card along with the policy schedule and 80D certificate, once you take a policy with us. You would need to provide your health card at the time of admission into the hospital. This card will be beneficial for availing cashless facility as well.

The health card provides the contact details of the Third-Party Administrators or TPAs. In the case of a medical emergency, you can call these TPAs for queries, clarifications, and for seeking any kind of assistance.

Frequently Asked Questions


Right from blogs, engaging infographics and exciting videos, there is so much that you can learn and know about health insurance, health tips and much more. Be it how to save on health insurance premiums or weight management diet tips, we cover it all.

Make sure you stay tuned with our regular updates at our knowledge centre section.