Health insurance is designed to cover your medical expenses and give you the freedom to avail quality healthcare. It enables you to access medical treatment of the covered risks without any hassles. Fast-paced life coupled with high levels of pollution, unhealthy food habits, and job-related stress are some of the major factors that may result in health-related emergencies. In the event that you have not covered yourself and your loved ones under a health insurance plan, a medical emergency can end up becoming a financial emergency in no time. All this can be avoided by simply paying a small amount of premium.
So, why wait for an emergency to happen when you can financially safeguard yourself with a health insurance plan. Furthermore, rising healthcare costs also stress the need for a health insurance plan for every individual.
Bharti AXA’s new-age health insurance plans are not just limited to providing coverage before, during, and after hospitalization. Our health insurance plans are intended to provide protection against medical emergencies, in-patient treatments and day care procedures too. This ensures that your pockets do not drain due to any kind of medical emergency.
Thus, regardless of your financial capability, with a health insurance plan, you can avail treatment at network of hospitals. After you have purchased a health insurance policy, not only will it bring peace of mind but in addition, you can avail tax deductions under Section 80D of the Income Tax Act.
Sum Insured (SI) Rupees
2 Lacs To 4 Lacs |
5 Lacs To 50 Lacs |
75 Lacs To 3 Crores |
In-patient treatment | Upto SI | Upto SI | Upto SI |
Doctors’ fees | |||
Diagnostics Tests | |||
Medicines, drugs and consumables | |||
Nursing Charges | |||
Intravenous fluids, blood transfusion, injection administration charges | |||
Operation theatre charges | |||
Cost of prosthetics and other devices or equipment if implanted internally during a Surgical Operation. | |||
Intensive Care Unit charges | |||
Hospital Accommodation | 1% for Room and 2% for ICU with proportionate deduction of other charges | Any category room; Upto SI | Any category room; Upto SI |
Ayush Treatment | Upto SI | Upto SI | Upto SI |
Pre and post hospitalization expenses |
Pre- 60 days Post - 90 days |
Pre- 60 days Post - 90 days |
Pre- 60 days Post - 90 days |
Day care Procedures | All day care procedures to be covered | All day care procedures to be covered | All day care procedures to be covered |
Organ Donor Expenses | Upto SI | Upto SI | Upto SI |
Surface Ambulance | Up to 1% of SI per hospitalization subject to a maximum of 10,000 per hospitalization | Up to 1% of SI per hospitalization subject to a maximum of 10,000 per hospitalization | Up to 1% of SI per hospitalization subject to a maximum of 10,000 per hospitalization |
Animal Bite (Vaccination) | Upto 10,000 | Upto 10,000 | Upto 10,000 |
Restore Benefit | 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person (Applicable from second claims onwards upto the limit of SI+NCB+Restore- 1st Claims) | 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person (Applicable from second claims onwards upto the limit of SI+NCB+Restore- 1st Claims) | 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person (Applicable from second claims onwards upto the limit of SI+NCB+Restore- 1st Claims) |
Guaranteed No Claim Bonus | 20% of SI; Once accrued shall remain guaranteed for the life and shall not get reduced in case of a claim/ Maximum value of NCB that can be accrued is 100%. | 20% of SI; Once accrued shall remain guaranteed for the life and shall not get reduced in case of a claim/ Maximum value of NCB that can be accrued is 100%. | 20% of SI; Once accrued shall remain guaranteed for the life and shall not get reduced in case of a claim/ Maximum value of NCB that can be accrued is 100%. |
Health Check-up | Annual; Starting from the 1st year/ upto 0.5% of SI or upto max of 10,000 | Annual; Starting from the 1st year/ upto 0.5% of SI or upto max of 10,000 | Annual; Starting from the 1st year/ upto 0.5% of SI or upto max of 10,000 |
Domiciliary Hospitalization | Upto SI (Payable only in case the period is for more than 3 days) | Upto SI (Payable only in case the period is for more than 3 days) | Upto SI (Payable only in case the period is for more than 3 days) |
Bariatric Surgery | Not available | 50% of SI/ Max upto 10 Lacs (Applicable only for SI equal to or more than 10 Lacs)- 3 Years waiting period applicable | 50% of SI/ Max upto 10 Lacs (Applicable only for SI equal to or more than 10 Lacs)- 3 Years waiting period applicable |
Convalescence Benefit (On continuous hospitalization for 10 days or more; payable over and above the base SI)Convalescence Benefit (On continuous hospitalization for 10 days or more; payable over and above the base SI) |
Lumpsum: 20K | Lumpsum: 20K | Lumpsum: 20K |
Domestic Air Ambulance | Upto SI | Upto SI | Upto SI |
Maternity Benefits | |||
Maternity cover for up to 3 deliveries (would be made available to single mothers as well; Twins would be considered as 2 deliveries; Pre and Post Natal expenses would be included in the maternity limit) | NA |
10% of base SI subject to maximum of 10 lacs In case the maternity benefit is not claimed, next 3 years maternity premium is waived off10% of base SI subject to maximum of 10 lacs In case the maternity benefit is not claimed, next 3 years maternity premium is waived off |
10% of base SI subject to maximum of 10 lacs In case the maternity benefit is not claimed, next 3 years maternity premium is waived off10% of base SI subject to maximum of 10 lacs In case the maternity benefit is not claimed, next 3 years maternity premium is waived off |
New Born Baby Cover | NA | Twice the maternity cover limit per newly born child over and above the maternity limit | Twice the maternity cover limit per newly born child over and above the maternity limit |
Vaccinations for new born baby in the first year | NA | 1% of base SI per newly born child, max upto 10 k | 1% of base SI per newly born child, max upto 10 k |
OPD (Medical and Dental) | Not available |
0.5% of SI or max upto 1 Lacs whichever is less - In-network Doctor Consultation - In-network Pharmacy - In-network diagnostics -In-network Physiotherapy |
0.5% of SI or max upto 1 Lacs whichever is less - In-network Doctor Consultation - In-network Pharmacy - In-network diagnostics -In-network Physiotherapy |
Hospital Cash Benefit |
Per day limit - 500 / 1000 / 2000 / 3000 / 4000 / 5000 / 10000 / 25000 Deferment period 2 days; Payable from 1st day; Maximum upto 45 days in a year |
Per day limit - 500 / 1000 / 2000 / 3000 / 4000 / 5000 / 10000 / 25000 Deferment period 2 days; Payable from 1st day; Maximum upto 45 days in a year |
Per day limit - 500 / 1000 / 2000 / 3000 / 4000 / 5000 / 10000 / 25000 Deferment period 2 days; Payable from 1st day; Maximum upto 45 days in a year |
Critical Illness (Coverage for 20 Critical Illnesses on lumpsum basis with 30 days survival clause) |
Lumpsum equal to base SI | Lumpsum equal to base SI subject to a maximum of 50 lacs | Lumpsum equal to base SI subject to a maximum of 50 lacs |
Personal Accident (Death + PTD+PPD) | Lumpsum equal to base SI for AD/ For PTD and PPD - payout according to PPD and PTD grid subject to a maximum of 50 lacs | Lumpsum equal to base SI for AD/ For PTD and PPD - payout according to PPD and PTD grid subject to a maximum of 50 lacs | Lumpsum equal to base SI for AD/ For PTD and PPD - payout according to PPD and PTD grid subject to a maximum of 50 lacs |
Medical Condition Management Program (Management of chronic conditions) |
Home Health Care Services
1-Orthopedics 2-Oncology 3-Pulmonary 4-Diabetes Management 5-Internal Medicine 6- Any other Condition Management |
Home Health Care Services
1-Orthopedics 2-Oncology 3-Pulmonary 4-Diabetes Management 5-Internal Medicine 6- Any other Condition Management |
Home Health Care Services
1-Orthopedics 2-Oncology 3-Pulmonary 4-Diabetes Management 5-Internal Medicine 6- Any other Condition Management |
Wellness Rewards |
Discount in premium upto 5%; Available in the form of redeemable points against the renewal premium |
Discount in premium upto 5%; Available in the form of redeemable points against the renewal premium |
Discount in premium upto 5%; Available in the form of redeemable points against the renewal premium |
Video / Tele Consultation | Assistance | Assistance | Assistance |
Tele medicine | Assistance | Assistance | Assistance |
Pharmacy and Diagnostic Services | Assistance | Assistance | Assistance |
Doctor Appointment | Assistance | Assistance | Assistance |
Online Chat with Doctor | Assistance | Assistance | Assistance |
Medical Second Opinion | Available; Once in a policy year | Available; Once in a policy year | Available; Once in a policy year |
Doctor on Call | Two times in a policy Tenure | Four times in a policy Tenure | Four times in a policy Tenure |
Copay |
0% Co payment Option to choose from 10% and 20% |
0% Co payment Option to choose from 10% and 20% |
0% Co payment Option to choose from 10% and 20% |
PED Waiting Period |
4 years |
4 years |
4 years |
Specific Condition Waiting Period |
2 years |
2 years |
2 years |
Bariatric Treatment | 3 Year | 3 Year | 3 Year |
Initial Waiting Period | 30 days; Waived off in case of accidental emergencies | 30 days; Waived off in case of accidental emergencies | 30 days; Waived off in case of accidental emergencies |
Initial Waiting Period for CI | 60/90 days | 60/90 days | 60/90 days |
Survival Period for CI | 30 days | 30 days | 30 days |
Claim Settlement ratio is the ratio of claims settled against claims reported during thce year. Bharti AXA health insurance claim settlement ratio is 92.37% for FY 2016-17.
Any number of claims can be made during the health insurance policy period subject to the sum insured mentioned under the policy.
Bharti AXA General Insurance offers both Cashless services and Non-cashless (reimbursement) facilities for its customers. You can find our impanelled list of cashless hospitals where claims are managed by Third Party Administrators (TPAs) to offer claims service during hospitalization.
Hospitalization expenses are covered in the health insurance policy. Hospitalization expenses are covered in the plan if you have been hospitalized for a minimum period of 24 hours. However, specific day care treatments, which do not require 24-hour hospitalization, are also covered under our health insurance policy.
The treatments include:
No, the health insurance policy is meant to cover hospitalization only in India
The critical illness cover takes care of expenses incurred for treatment of any of the below specified critical illnesses. The Coverage is available in either of the following options:
Payment of lump sum benefit amount if the Insured Person is being diagnosed as contracting any of specified Critical Illnesses and surviving for more than 30 days post such diagnosis.
Payment /reimbursement of expenses incurred for treatment of such specified Critical Illness in a Hospital / Nursing Home
This benefit is available after a survival period of 30 days from the date of inception of the first year health insurance Policy. The SI available under this benefit is separate and is in addition to the SI available under the hospitalization benefit section of the Policy.
The following critical illnesses are covered under the Smart Super Health Insurance Policy:
Domiciliary hospitalization means treatment done at home in India for a period exceeding three days for disease, illness, or injury, which in the normal course, would require hospitalization. This could happen if either the condition of the patient is such that he or she cannot be moved to hospital or nursing home, or due to lack of accommodation.
We cover the cost of the treatment as well as expenses, if any, on the employment of qualified nurses, employed on the recommendation of the attending medical practitioner. The cover is limited to a maximum of 10% of the sum insured and will be payable if the treatment exceeds three days.
Pre and post hospitalization means the medical expenses incurred during a period before and after hospitalization for any disease, illness, or injury sustained, respectively.
The cashless claim is a facility that is available in our network of tied-up hospitals where we settle health insurance claims directly with the hospital or nursing home without you having to pay any amount to the hospital.
In the case of a pre-planned hospitalization, if the chosen hospital is included in our network of cashless hospitals, all that you need to do is request the hospital to send us a claim form along with certification from the doctor about the nature of the illness and treatment.
Once our Third-Party Administrator receives the information, and if the health insurance claim is admissible, the TPA sends you a pre-authorization in a few hours, for the cashless claim. We have an extensive network of more than 4,300+ network hospitals all over India where you can avail this facility.
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 health insurance plan may not be adequate for your needs. Hence it would be advisable to go for a separate health insurance policy.
Yes, we send you a health card along with the policy schedule and 80D certificate, once you take a health insurance plan with us. Health card is like an identity card issued by the insurer (insurance company) to the insured (individual). It is a useful card providing you the access to the network hospitals. 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.
We issue health insurance policies for tenure of 1 year, 2 years, and 3 years, which can be renewed subsequently.
Usually, mediclaim policies cover expenses related to treatment and hospitalization but do not offer protection for other non-billable expenses. Our health insurance plans give you 360 degree cover for hospital bills and incidental expenses.
Our comprehensive health insurance cover provides a cashless facility in over 4300+ hospitals and also provides 11 different value-added benefits. What's more, we help you pick a plan that's suited for your health needs.
You can choose from our health insurance plans, designed keeping your needs in mind here. Get your quote online, fill the proposal form, and check out making the payment. You will receive the health insurance policy documents through email instantly.
The Health insurance policy offered by Bharti AXA acts as a support system for you and your family. With this health insurance plan, you can avail the following benefits, which include:
Hospitalization expenses including:
In addition to the above, our health insurance policy offers a host of value-added benefits under SHIP and SSHIP
Health insurance covers you and your family against expenses incurred in a medical emergency. With medical bills on the rise, insurance helps in reducing the financial burden during hospitalization. Also, the cases of critical illnesses and lifestyle-related ailments have increased rapidly. Health insurance allows you to be better prepared for such events.
The premium that you pay for your health insurance is eligible for tax deduction under Section 80D of the Income Tax Act
Kindly call our customer support help desk at 1800-103-2292 (Toll-free) to renew your health insurance policy.
The major exclusions under health insurance policy are:
And treatment of the following health conditions:
We cover self, spouse, and two dependent children under the age of 21 years under one policy.
We cover self, spouse, and two dependent children up to the age of 23 years. Lifelong renewal is offered under our health insurance policies.
If your child is between 3 months and five years of age, he/she can be covered as part of a family floater policy provided at least one parent is covered. If the child is between 5 years and 23 years of age, you can choose between continuing the family floater policy or taking a separate health insurance policy for the child.
A family floater health insurance policy covers all family members (insured, his or her spouse, and two dependent children up to the age of 23 years) under one single policy. The sum insured floats over the entire family, and a consolidated premium needs to be paid. You can cover your family member under comprehensive health insurance to get family floater advantage.
Sum insured is the maximum amount paid to the insured by the insurance company in the event of a claim as per the health insurance contract.
You can decide the amount of health insurance on your own. We have a variety of sum insured options for you to choose from. You can decide on the amount based on the number of family members to be covered under the policy, the age of family members, the expected costs of treatment and the amount of premium you are willing to pay.
The premium payable on your health insurance policy is based on the following factors: