Frequently Asked Questions

Frequently Asked Questions

What is the claim process?

For any claims, immediately contact our 24x7 claim assistance service at 080-49123900. Our representative would register the claim and assign a reference number which you can use for all the future correspondence.

Are any discounts offered on renewal with Bharti AXA?

Discount equivalent to 5% of renewal premium every year on a progressive scale will be given back to the insured as renewal discount at the time of renewal, This is applicable where the policy which is renewed is claim free in the expiring year. This renewal discount on a progressive scale will be allowed up to a maximum of 25%. In the case of renewal of a policy where there is a loss, the insured will lose the entire renewal discount accumulated.

Does Bharti AXA critical illness policy cover my family members as well?

The policy can be issued on a Floater Basis covering the family members of the insured comprising the insured, spouse and two dependent children (all members should be within the age group of 5 to 55 years). All members of the family (Self, spouse, and the two kids) can be covered under one single policy. 

Which are the major illnesses covered under Bharti AXA Critical Illness insurance?

The 20 critical illnesses covered are as follows:

  • 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
  • Organ or Bone Marrow Transplantation
  • Multiple Sclerosis
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis
What are not covered under the policy?
  • Any disease or illnesses contracted during the first 60 days of the first year policy. This will not apply for subsequent and regular renewals.
  • Any pre-existing diseases, conditions  or injuries at the start of the policy cover. However, the same will be covered after four continuous renewals with us.
  • Treatment traceable to pregnancy or child birth.
What is a Benefit policy?

Critical illness is a benefit policy as during any event the insurance company pays the insured a lump sum amount. In case the Insured has contracted any of the defined critical illnesses, the entire sum insured would be provided as a lump sum compensation benefit. Compensation shall be payable if the Insured survives for more than 30 days post diagnosis of any Critical Illness. This benefit is available after a waiting period of 60 days from the date of inception of the Policy in the first year of cover.

What is the difference between a health insurance policy and a critical illness policy?

Health insurance covers expenses related to treatment and hospitalization, but do not offer protection for other non-billable expenses. Our Health insurance policy provides cashless facility in over 4300+ hospitals and also provides 11 different value-added benefits including a separate and additional sum insured on the the diagnosis of 20 critical illnesses, hospital cash allowance, recovery grant, nursing allowance etc.

In case you already have a health insurance cover, you can also opt to take the critical illness policy on a standalone basis. With this policy, you can be rest assured that your medical expenses will be covered for the treatment of the illness.

What are the advantages of critical illness insurance?

This insurance adequately protects you in the case of a major illness. If the illness occurs, you may not be able to return to work immediately. This can affect your income and impact your ability to meet the various financial liabilities such as loan repayments, fees towards children's education, expenses towards provisions etc. The lump sum compensation provided by us on the diagnosis of any of the 20 covered critical illness can be used to cover your medical expenses as well as other incidental expenses. Even if you do not have a basic hospitalization policy, you can still opt for a stand-alone critical illness policy.

Who are eligible to buy the policy?

An Indian resident in the age group of 5 years to 55 years can be covered under the policy.

What are the medical tests required before buying the policy?

No medical check-up is required for individual's up to 45 years.