Smart Tips To Lower Your Health Insurance Premium | Bharti AXA
Car Insurance
Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.
Two Wheeler Insurance
Ride worry-free, with Bharti AXA two wheeler insurance plan.
Health Insurance
Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.
Travel Insurance
Secure your joyous family trips with Bharti AXA international travel insurance cover.
Bharti AXA Home Insurance
Bharti AXA Home Insurance
Bharti AXA SME Package Insurance
Bharti AXA SME Package Insurance
Bharti AXA Commercial Lines Insurance
Bharti AXA Commercial Lines Insurance
Bharti AXA Commercial Vehicles Insurance
Bharti AXA Commercial Vehicles Insurance
Bharti AXA Motor Third Party Insurance - Commercial
Bharti AXA Motor Third Party Insurance - Commercial
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Bharti AXA Car Insurance
Renew your Bharti AXA car insurance to enjoy your non-stop drive.
Bharti AXA Two Wheeler Insurance
Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.
Bharti AXA Health Insurance
Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.
Register Claim
Track Claim
BLOGS
FAQS
About Bharti AXA
Branch Locator
Cashless Garages
Cashless Hospitals
Careers
Contact Us
Become A Partner
Become A Partner
Products
Car Insurance
Two-Wheeler Insurance
Travel Insurance
Health Insurance
Corona Kavach Policy
Motor Third Party Liability
Commercial Vehicle
Commercial Lines Insurance
Bharti AXA SME Package
Home Insurance
Pradhan Mantri Fasal Bima Yojana(PMFBY)
Arogya Sanjeevani
List of products
List of withdrawn Products
Car Insurance
Comprehensive Car Insurance
New Car Insurance Policy
IDV in Car insurance
No Claim Bonus in Car Insurance
Bumper to Bumper Car Insurance
Bike Insurance
Comprehensive Two Wheeler Insurance
IDV in Bike Insurance
No Claim Bonus in Bike Insurance
Bike Insurance Quote
Travel Insurance
Travel Insurance Coverage
Benefits of Travel Insurance
Travel Health Insurance
Travel Insurance Quote
Health Insurance
Cashless Health Insurance
Knowledge Centre
Blog
Infographics
Videos
Travel Guide
Visa Guide
Road Trip
Insurance Glossary
Health & Fitness Guide
Food & Cuisine Guide
RTO Guide
Driving License Guide
Car Manufacturer
Two-Wheeler Manufacturer
Travel Destination
Bharti AXA & YOU
About Us
Careers
Contact Us
Cashless Garages
Cashless Hospitals
Branch Locator
Grievances
Investor Relation Information
Resources
Public Disclosure
Knowledge Centre
Download Center
Media Center
Consumer Education
Electronic Insurance Account
Update IRCTC Nominee
Unclaimed Amount
Sitemap
Notice Of General Meetings
Service Parameters
Suspended Agents
Whistleblower policy
Become A Partner
About Group
AXA Group
Bharti Enterprises
Bharti AXA Life Insurance
Download My Airtel App
Legal
Privacy Policy
Terms of Use
Fraud Risk Management Policy
Equal Opportunity Policy

130+ COUNTRY WIDE PRESENCE

COVERS ALL TRAVELS RELATED DISASTERS

FLEXIBLE PLANS FOR YOUR NEEDS

24/7 ASSISTANCE WORLDWIDE
[object Object]
[object Object]

Car Insurance

Two-wheeler Insurance

Health Insurance

Travel Insurance
Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.
Smart Tips To Lower Your Health Insurance Premium
Health insurance is to be considered as an investment and not an expenditure in today’s day and age. It enables your family and you to secure the best possible healthcare treatment without causing a dent in your finances.
Like all investments – when health insurance is bought smartly and with care – you can get the best cover for the lowest premium possible.
Evaluate different health insurance providers and purchase online:
There are more than 25 general insurance companies in India that offer Health Insurance. By simply searching over the internet, you will get health insurance premium calculators offered by different insurers. You will only need to enter the required details to get a quote. You can compare quotes and choose the insurer whose offerings and quote seem optimal for you. In most cases, purchasing health insurance online turns out to be cheaper.
Start early
If you have time on your side, this is the easiest way to ensure that your health insurance premium remains low. You are likely to enjoy good health when you are young. When you turn older, you may contract lifestyle ailments or unhealthy habits which could bump up your health insurance premium. Therefore purchasing health insurance as early as possible would be advantageous. You can purchase it preferably within three to six months of your first job. You may be wondering why to purchase health insurance if your organization is already offering it. It is because:
- The terms of the health insurance policy offered by your employer could change overnight
- The health insurance coverage may not be enough
- Add on covers may not be available
- You won’t be covered when you resign
No claim bonus
Every year during which you don’t file a claim turns into a claim-free year. And during each claim-free year, a bonus amount gets accumulated to the sum insured amount. This bonus amount is called a no-claim bonus. In simpler words, you are being rewarded by the insurer for not making any claim during the policy period.
No claim bonus is offered in two ways – You can get either a discount on the premium amount or can get cumulative benefits which are offered as a higher sum insured amount. If your insurer is offering the former, then you will find your premium is lowered.
Go for a higher deductible
Deductible is the amount which you will have to pay from your own pocket before the insurance coverage kicks in. You can reduce your health insurance premium by paying a higher deductible. However, you should be careful about choosing the deductible as finalizing a higher deductible for securing lower premiums could increase the outgo from your own pocket.
Family Plans
When buying insurance for your family – which includes your spouse, children and dependent parents – the family plan works out much cheaper than the individual plan. Thus your premium outgo is reduced.
Choose multi-year premium payment
If it is financially feasible for you, you can opt for paying multi-year premiums together. Rather than paying a health insurance premium for just one year as typically is the case, you could pay upfront for two or more years. Your premium is most likely to be lower in this case.