Health Insurance

Health Insurance – A Snapshot

Life is priceless. But health comes with a heavy price especially when illnesses take over. With health insurance, you and your family are medically covered at an affordable premium.

  • Maximum tax savings up to Rs. 55,000 under Section 80D
  • Easy claim-settlement with Cashless Network Hospitalization
  • Flexible plans with sum insured from Rs. 2 lakhs – Rs. 5 lakhs
  • 24/7 Claim Assistance & strong customer support

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?


Types of 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.

Bharti AXA Smart Health Insurance Policy

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.

You can select any of these 3 sum insured variants - Rs. 2 lakh, Rs. 3 lakh, and Rs. 5 lakh. These offer double sum insured for critical illness and can be received in the form of lump sum compensation. The plans cover major hospitalization and daily expenses arising due to unfortunate events or medical conditions. Day care treatment, organ transplantation, and domiciliary hospitalization expenses too are included depending on the variant cover.

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.

Based on your preference and requirement, you can either buy:

Individual Health Insurance Plan

 In this, you can buy health insurance policy for yourself. You get the benefit of the sum insured amount wholly to yourself. You can also buy an individual plan for each member of the family by paying a separate premium for each plan.

Family floater Health Insurance Plan

In this, you only have to pay a single premium for one family floater plan. One big sum insured amount is provided which is adequate for all the insured family members. All the members can claim using this single sum insured amount.

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.

What Health Insurance Includes and Excludes?

It’s better to know what your health insurance covers and doesn’t cover. After all, you don’t want to face hassles at the time of claim, right?

Inclusions Exclusions

Day Care Treatment:

This is covered and in this, 24-hour hospitalization not needed for dialysis, eye surgery, chemotherapy, etc.

Domiciliary hospitalization:

Care and treatment of domiciliary hospitalization is undertaken. Here medical treatment exceeds a period of 3 days

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

Expenses within 30 days of policy inception:

Hospital expenses for treatment of illness that are undertaken within 30 days of buying the policy.

Exclusions for first 2 years:

  • 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

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

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 health 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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