Count On Us

  • 1.3 million
    Policies Issued
  • 98.27%
    Claim Settlement Ratio
  • Pan India
    Network Hospitals

Claim Process

Cashless Claim

We have designed the claim procedure at Bharti AXA in the simplest possible way. This is to ensure you spend most of your time in a hospital to get treatment and be with your loved ones. Our dedicated claims handler, a unique personalized offering, helps make the health claims settlement process smooth and easy.

For your hospitalization needs, you can avail cashless facility at our 4300+ network hospitals. In the case of treatment at other hospitals, our skilled staff does all it needs to make sure that you get your compensation as quickly as possible. To serve you better we have tied up with the three main TPAs - Family Health Plan Ltd, Paramount, and E-Meditek.

For ease of claim, we have tied up with the two main Health claims handlers- Paramount and Emeditek

Step 1: Emergency treatment at our Cashless network

•  Find the closest cashless hospital using our hospital locator.

•  Proceed to the admission with your health ID card

•  Ask the hospital to fill up the claims cashless request form and submit it to the insurance help desk at the hospital or fax it to the number indicated in the form.

•  TPA will issue an authorization letter for the coverage as per the policy to the network hospital.

•  We will settle the bill directly with the hospital.

•  If the treatment is not covered under your policy, a letter will be sent along with the reasons for rejection.

Step 2: Planned treatment at our Cashless network

•  4 days prior to the treatment, fill up the claims cashless request form and submit it to the insurance help desk at the hospital or fax it to the number indicated in the form.

•  We will notify you and the hospital within 6 hours on receiving the request via email and SMS.

•  Proceed to the admission on the day of the treatment with your Health card ID and the confirmation letter from us.

•  We will settle directly the bill with the hospital.

•  If the treatment is not covered under your policy, a letter will be sent along with the reasons for rejection.

Step 3: If the treatment is not covered under the policy

•  You can get treatment at our network hospitals.

•  All bills are to be paid by you and original documents need to be obtained from the hospital.

•  Submit the original and necessary documents to us along with the Claim form.

•  We will review the documents and effect payment within 21 days of receiving the complete documents. If the claim is rejected, a letter will be sent along with the reasons for rejection.

Reimbursement Claim

Step 1: Reimbursement for treatment done outside our panel

•  In the case of admission done outside our network hospital, intimate within 48 hrs of admission to the phone number provided on the claim form or mail us the details to the email id mentioned in the claim form.

•  You can then proceed with your treatment and pay the bill.

•  Get all the original documents from the hospital.

•  Furnish the following list of the documents to Bharti AXA – Health Claims (Head Office, Bangalore) / TPA:

1.    Claim form with duly signed by insured (Part I) and treating doctor (Part II)

2.    Original discharge summary

3.    Original final bill with receipt & detailed break up towards the final bill (item wise/cost wise)

4.    Original lab reports with advice for investigation undergone from the treating doctor (Doctor Prescription/Consultation)

5.    A letter from treating consultant stating past history if any with duration of the said ailment

6.    A letter from the treating consultant stating details of accident and initial assessment- alcohol intoxication if any, (if the case of injury or accident) with  MLC COPY / FIR copy in case of RTA/any injury/assault/poisoning etc.

7.    1st consultation paper before the admission, if any

8.    Hospital registration certificate if the hospital is in non-network/remote location

9.    A letter from insured stating reason for delay in submission of claim documents. (If delay more than 30 days after the discharge)

10. Policy copy/Health ID card/ Health TPA ID card with ID proof & Address proof for patient & proposer

11. Cancelled cheque for Electronic fund transfer in the name of proposer

We will review the documents and effect the payment within 21 days of receiving the complete documents. If the treatment claimed is not covered under your plan, a letter will be sent along with the reasons for rejection.

Step 2: If the treatment is not covered under the policy

•  All bills are to be paid by you and original documents need to be obtained from the hospital.

•  Submit the original and necessary documents to us along with the Claim form.

We will review the documents and effect payment within 21 days of receiving the complete documents. If the claim is rejected, a letter will be sent along with the reasons for rejection.

Claim Assistance

Cashless Hospital Network
Your health insurance at Bharti AXA offers you cashless servicing across India. Find the nearest hospital by selecting location. To download Bharti AXA General Insurance cashless hospital list across TPAs, please click here 

Download Health Insurance Cashless Claim Form
Click here to download

Download Health Insurance Reimbursement Claim Form
Click here to download