Health Insurance

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1.3 million

Policies Issued



Claim Settlement Ratio


Pan India

Network Hospitals

The Story So Far

India is a shining example of diversity. It is a rich mix of cultures, traditions, and mindsets. While cultures and traditions are passed on, the mindset is a product of choices. For instance, a majority of the people in the country still prefer to pay their medical bills out of their pockets. That’s right, a staggering 70% people in India think health protection is not important [1]. One of them is Jay. 


Jay aged 26 lives alone in a rented 2BHK apartment and works as a trainee in a broking firm. His parents, despite apprehension, sent him away from his hometown so she could pursue his career. Due to his work schedule, she often ended up eating outdoor food regularly. His food habits led to a major stomach ailment which she was initially ignoring. Regular stomach pain and uneasiness forced him to visit a hospital. The doctor recommended a surgery at the earliest. 
Being a trainee, he was not entitled to medical insurance from the company. His parents did not purchase health insurance for anyone in the family. The entire medical bill was borne by Jay through the salary he had saved in the past several months. Following the operation, Jay immediately purchased health insurance plans for himself and his parents online. 
In India, the average amount for treatment per hospital case in private health facilities is Rs. 25,850. Yet many like Jay, in fact, more than 2/3rd of the people ignore the importance of health security. We sincerely hope you are not one of this 70% populace. 


The Need For Health Insurance

Today, health is our most precious wealth. And good health is the sign of a great life. 

The lifestyle choices we make and our demanding work culture adversely affects our health. Also, the risk of contracting diseases that require advanced medical attention has increased manifold. In which case, getting the best medical care and treatment is vital. We believe it should be a compulsion. With rising medical costs a good hospital treatment can become a testing financial situation. 



Almost 20% of the people in India end up spending more than 15-20 times their monthly expenditure due to hospitalization. But, can we ever compromise when it comes to health? Surely no. Never actually. That is why choosing the right health insurance plan for you and your family is a very important decision. The right medical insurance plan covers the treatment expenditure for you and your family in the case of an unfortunate event. The responsibility on you is to make the right choice when it comes to Mediclaim in India. 

Make it a compulsion for you and your family to have a valid health insurance card just like any other identity card. This way you ensure they are protected in case of medical situations. In addition to the Mediclaim policy, it is also recommended you choose Critical Illness Health Insurance and Personal Accident Insurance as well. This is helpful in providing complete health cover for you and your family.

Why Bharti AXA General Insurance

At Bharti AXA, we offer the most comprehensive health insurance plans in India called Smart Health Insurance Policy or SHIP. One health insurance policy will protect you and your family in case of a medical emergency. Designed to give you the maximum benefits possible, this health insurance ensures nothing comes in the way of a stress-free life. It covers many hospital expenditures incurred due to unfortunate events or health situations. 
The Mediclaim we provide acts your emotional and financial support system. In the case of an unfortunate event, you can benefit from our vast hospital network to avail cashless health insurance. In addition, our dedicated claims handler will ensure you have a hassle-free claim reimbursement. The Bharti AXA health insurance will act as your family’s protective umbrella always.



With Bharti AXA health insurance, you know you are protected across the country. This way, you choose only the best and the most preferred treatment center. 

  • Renewal discount of 5% each claim free year
  • Tax benefits of up to Rs. 25,000 and of Rs.30,000, in case of senior citizens under section 80(D)
  • Every investment in health has many returns. Need we say more. 
  • Unlimited room rent.Some of our plans offer the luxury of unlimited room rent cover. This way you can get treated at the hospital of your choice in the room setup of your choice.

With Bharti AXA GI’s Comprehensive Health Insurance plans you can enjoy product benefits that address not just your health insurance needs but the requirements of your entire family. Pick from any of our three affordable plans that provide you with the flexibility to suit your needs and budget.

Bharti AXA GI offers 3 innovative plans – Rs 2 lakhs, Rs 3 lakhs and Rs 5 Lakhs Plans on Rs.3 lakhs and Rs.5 lakhs provide double the sum insured in case of a critical illness. What’s more is that this amount could be received in form of lump sum compensation that can help not just with hospitalization costs but daily expenses too. (As shown in TV commercial) Refer table below.

Help me to choose my plan

Health insurance needs to vary in accordance with your age group, family size and type. Bharti AXA GI helps you pick a plan to adequately meet your needs and the needs of your spouse and children.

    Your family type  
  Age Group Family Type Single Family Type Married Family Type Married Two Family Type Single Two  
  2 - 35 years Rs. 5 lakhs plan Rs. 5 lakhs plan Rs. 3 lakhs plan Rs. 3 lakhs plan  
  36 - 45 years Rs. 5 lakhs plan Rs. 3 lakhs plan Rs. 3 lakhs plan Rs. 3 lakhs plan  
  46 - 55 years Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan  
  56 - 65 years Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan  
    Available OnlineAvailable Online, No medical tests    
    Available through Call- centreAvailable through Call- centre (please call at 080-49010200) and at branches.    
    Optimum plan Rs. 3 lakhs and Rs. 5 lakhs sum insured can be offered from 5 years to 55 years only. Medical test is mandatory for all cases above 45 years age.    

Rs. 3 lakhs and Rs. 5 lakhs plan includes critical illness cover which is given as lump sum compensation in the event you are diagnosed with any of the 20 main critical illnesses covered. In such an event you will be entitled to get double the sum insured, which means for Rs. 3 lakhs and Rs. 5 lakhs cover, you will receive hospitalization benefit of of Rs. 3 lakhs and Rs. 5 lakhs and additional lump sum amount of Rs. 3 lakhs and Rs. 5 lakhs respectively.

This cover is applicable after 60 days of inception of the policy and is subject to 30 days survival period and is separate and additional to the hospitalization cover. You can use this money as you wish, to cover your medical bills or maintain your family.

Refer policy wordings (PDF, 383 KB) to view the complete list of critical illnesses covered.

List of Generally Excluded Non-Medicals in Hospitalization Policy (PDF, 241 KB. Opens in a new Window)

Health Insurance Benefits
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. Our executives will be glad to assist you.

Frequently Asked Questions