Bharti AXA Smart Super Health Assure health insurance

Bharti AXA India health insurance

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Bharti AXA Health Program provides cover for hospitalization costs incurred in treating disease, accident or illness. The scheme includes hospitalization expenses, daycare services, hospitalization expenses at home, ambulance costs, animal bite (vaccination), pre- and post-hospitalization expenses, domestic air ambulance and restoration of guaranteed amounts, among others.

Bharti AXA General Insurance Company Limited is a joint venture between Bharti Enterprises and AXA. The joint venture company has a 51% stake from Bharti Enterprises and 49% stake of the AXA Group. They have PAN India presence through 135 branches and offer insurance solutions for motor and two-wheeler, health and critical illness, property and student, individual and family travel and crop insurance.

Bharti Enterprises is one of India's leading business groups with interests in telecom, agri-business, financial services, retail and manufacturing, with many firsts and innovations to its credit. The AXA Group is a worldwide leader in insurance and asset management serving 105 million clients, individuals and business, in 61 countries and offers insurance, savings and investment products and services.

Since inception the company has settled 19 Lacs+ claims, issued 2 Cr+ policies and have an extensive set up with 5200+ Cashless Garages for Motor claims, 4500+ Network Hospitals for their Health Insurance claims.

Bharti Axa offers their health insurance customers the option of availing quality treatment at more than 4,500+ leading hospitals across the country. With an incurred claims ratio of 89.00%, they also covered 17.40 lac lives during the same year 2018-19, as per the data provided by IRDAI.

Some of the awards the company has won in the past few years include :
  • Claims Service Of The Year – Large (PrivateSector) at ABP News presents BFSI Awards, 2018
  • Outstanding Performance in Insurance Category - 2019
  • Best Product Innovation Award 2019
  • Finnoviti: Editor's choice award for service innovation
  • Customer Service Excellence Award at ABP News BFSI Awards, 2019
  • Technology Initiative of the Year at ABP News BFSI Awards, 2019
  • General Insurance Company of The Year - Large (Private Sector) at ET Now presents BFSI Awards, 2019
  • Micro Insurance Leader - General Insurance at ET Now presents BFSI Awards, 2019
  • General Insurance Company of the Year at CMO Global Stars of the Industry Awards. 2019


Bharti Axa General Insurance is today one of the fastest growing insurance players in India with a lot of focus on both retail and group insurance products. Today the Bharti Axa health insurance premium is one of the most competitive in the market across all their plans apart from being competitive in their benefit structure. They are also one of the players who have built a strong hospital network across India with a current strength of 4,500+. Most of the customer’s Bharti Axa’s health insurance reviews have been positively influencing the growth of their business year on year. One can also follow the Bharti Axa health insurance renewal link on eindiainsurance for renewal of their existing policies and if one needs to file a claim, all they need to do is to fill in the Bharti Axa health insurance claim form available on the same website.

Bharti Axa General health insurance - review

  • Features
  • Claims Procedure
  • Exclusion

Key Features of Bharti Axa General Health Assure Health Insurance Plan

  • This Policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted to 65 years.Children between 91 days and 5 years can be covered provided either parent is getting insured under this Policy.
  • In-patient treatment includes Hospital room rent or boarding expenses, nursing, Intensive Care Unit charges Operation Theatre charges, Medical Practitioner’s charges, fees of Surgeon, Anaesthetist, Qualified Nurse, Specialists, the cost of diagnostic tests, medicines, drugs, blood, oxygen, the cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure. A minimum period of 24 consecutive hours hospitalization as in-patient is must.
  • Pre & Post Hospitalization Cover : Covers relevant medical expenses incurred upto 60 days before hospitalization or day care treatment and 90 days post hospitalization for treatment of Disease, Illness contracted or Injury sustained.
  • Organ Donor Expenses : Covers hospitalization expenses for Medical treatment of the organ donor for harvesting the organ
  • AYUSH Treatment Expenses
  • Automatic Restoration of Sum Insured upto 100% of Base Sum insured
  • Optional Benefit - Optional benefits are additional benefits which chosen by Insured by paying additional premium, however optional benefits cannot be opted without Base Hospitalization cover
    • a. Critical Illness
      i. Critical Illness Sum Insured opted should not be more than the Sum Insured of base hospitalisation Policy.
      ii. Critical illness cover is available for Insured/Insured person(s) selected, with each member having Individual limit of coverage, however limits for Insured/Insured person(s) cannot be different from each other.
    • b. Hospital Cash
      i. Hospital Cash allowance if opted has to be opted for all Insured / Insured person(s) in a Policy with common limit for Insured/Insured person(s).
    • c. Maternity with New Born Baby Cover
      i. This benefit is available only under a Family Floater Policy.
      ii. This benefit is available for Insured / Insured’s spouse provided both are covered under the same Policy.
      iii. This benefit can be opted only with a 3 year term of base coverwhere both base hospitaliZation coverand add-on cover term is 3 years only.

Pre Policy Medical Grid – Base Product

Pre Policy Medical Grid –Smart Health Insurance Policy
Age Band  
18-45 Nil*
>45 Level 1
Level 1 FMR, RUA, HbA1c, ECG,CBC, Total Cholesterol, FBS, S Creat
Level 2 FMR, RUA, HbA1c, ECG, Lipid profile, CBC, FBS, Serum Creatinine
Level 3 FMR, RUA, HbA1c, ECG, Lipid profile, CBC, FBS, Serum Creatinine, SGOT, SGPT


Claim Notification - Multi Model Intimation :

It is the endeavor of Company to give multiple options to the Insured/covered person/patient’s care taker to intimate the claim to the Third party administrator (TPA)/Company. The intimation can be given in following ways:
  • Toll Free call Centre of the Insurance Company(24x7) - 1800-103-2292
  • Login to the website of the Insurance Company and intimate the claim – Contact Us
  • Send an email to the TPA/Company - Customer service
  • Post/courier to TPA/Company - Bharti AXA General Insurance Company Limited, Spectrum Tower, 3rd flr, Chincholi Bunder Rd, Rajan Pada, Mindspace, Malad West, Mumbai, Maharashtra 400064 - replace with malad office Telephone: + 91 8049123900; Bharti AXA General insurance
  • Directly Contacting our Company office but in writing. - Bharti AXA General Insurance Company Limited, Spectrum Tower, 3rd flr, Chincholi Bunder Rd, Rajan Pada, Mindspace, Malad West, Mumbai, Maharashtra 400064 Replace with malad officeTelephone: + 91 8049123900; Bharti AXA General insurance, Dial :+ 91 80 49123900

In all the above, the intimations are directed to a central team for prompt and immediate action.

Customer Service – Senior Citizens

In respect of Senior Citizens, both the Company and TPA have established a separate channel to address the grievances. Any concerns may be directly addressed to the Senior Citizen’s channel of the Company or TPA for faster attention or speedy disposal of grievance, if any. Insured/ Insured Person may also approach the grievance cell at any of the Company’s branches with the details of the grievance during working hours from Monday to Friday
Important Points of Note
For Cashless Claims For Reimbursement Claims
Avail the benefits of cashless service at Bharti Axa network hospital. Email : claims or Call Toll free number : 1800-103-2292 Mention correct and complete communication address with the pin code on the claim form. Email : claims or Call Toll free number : 1800-103-2292
Kindly ensure that the pre-authorisation form is completely filled and signed by the Insured and the attending doctor within 6 hours once hospitalised. Always keep a photocopy of the claim documents submitted to the insurance company
Kindly ensure to mention the mobile number on the pre-authorisation form. Kindly ensure that the claim form is completely filled and signed by the insured and the attending doctor
In case of planned hospitalization, please send the pre-authorisation form in advance (not before 15 days of admission date). Kindly ensure to mention the mobile number on the claim form.
In case of emergency hospitalization, please send the pre-authorisation form within 24 hours from the time of hospitalization. All claim documents are to be submitted in original within 30 days from the date of discharge.
In case of cashless denial, insured to pay hospitalization expenses. Quote your cashless (pre-authorisation) number as reference in all the future correspondence with BHARTI AXA. Quote your claim number as reference in all future correspondence with BHARTI AXA.
Do not refer to the network list of any other service provider. Insured to bear any inadmissible expenses, co-payments and or deductions.
Do not wait until the discharge time to raise the enhancement request.
Insured to bear any inadmissible expenses, co-payments and or deductions.


Exclusions under Bharti Axa Health Plan

The major exclusions under health insurance policy are :

  • Pre-existing diseases, illness, or injury. Health insurance benefits will not be available for any condition(s) as defined in the policy, until 48 months of continuous coverage have elapsed, since the inception of the first policy with the Company
  • Any benefit under critical illness within the first 30 days of inception of the policy for the first year. This exclusion doesn't apply for subsequent renewals with the Company without a break.
  • Medical expenses incurred for treatment undertaken for disease or illness and/or for critical illness within 30 days of the inception date of health insurance policy. This exclusion doesn't apply for subsequent renewals with the Company without a break.
  • Routine medical, eye and ear examinations, cost of spectacles, laser surgery, contact lenses or hearing aids, vaccinations and inoculation of any kind, issuing of medical certificates and examinations as to suitability for employment or travel.
  • Vitamins and tonics unless forming part of treatment for the disease, illness, or injury.
  • Any stay in Hospital without undertaking any treatment or where there is no active regular treatment by the Medical Practitioner
  • Prostheses, corrective devices, and medical appliances, which are not required intra-operatively or for the disease/ illness/ injury for which the Insured / Insured Person was hospitalized
  • Charges incurred primarily for diagnostic, X-ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment.
  • Costs of donor screening or treatment, unless specifically covered and specified in the Schedule to this Policy.
  • Naturopathy treatment.
  • Any treatment received outside India.

And treatment of the following health conditions:

  • Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy or menorrhagia or fibromyoma unless because of malignancy, dilation, and curettage
  • Hernia, hydrocele, congenital internal disease, fistula in anus, and sinusitis
  • Skin and all internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant, adenoids and hemorrhoids
  • Dialysis required for chronic renal failure, Gastric, and Duodenal ulcers
  • Joint Replacement surgeries unless necessitated by accident during the first two years of the operation of the Policy.

Bharti AXA Ergo Health Insurance FAQ’s

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.

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:
  • Dialysis
  • Chemotherapy
  • Radiotherapy
  • Eye surgery
  • Dental surgery
  • Lithotripsy
  • Tonsillectomy
  • Dilatation and CurettageCardiac Cauterization
  • Hydrocele surgery
  • Hernia repair surgery

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:
  • Cancer
  • First Heart Attack
  • Coronary Artery Disease
  • Coronary Artery Bypass surgery
  • Heart Valve Surgery
  • Surgery to Aorta
  • Stroke resulting in permanent symptoms
  • Kidney Failure requiring regular dialysis
  • Aplastic Anaemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma of specified severity
  • Major Burns
  • Major Organ or Bone Marrow Transplantation
  • Multiple Sclerosis with persisting symptoms
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis

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.

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.

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.

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:
  • Sum insured option is chosen
  • The number of family members to be covered
  • The age of the senior most person in the family to be covered
  • The type of policy you opt for - Basic, Premium, Optimum, Smart Super Health Insurance Policy

If you are suffering from any ailment at the time of buying a policy is termed as pre existing illness or disease. It’s important to declare pre existing disease at the time of policy issuance or else at the time of claim; if the insurer knows about your existing illness your claim may get denied.

Insurance Company gives you a chance to cancel your policy post payment if you have found a better plan and wish to take a different plan. This period is called free-look period.

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

Bharti Axa has an extensive network of 4,500+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Bharti Axa network hospital list available on Smart Super Health Assure

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

List of Bharti AXA health insurance policies

Key Features:
  • Room rent: No capping on room rent.

Key Features:
  • Room rent: No capping on room rent.
Key Features:
  • This Policy covers persons in the age group 1 days to 65 years. The maximum entry age is restricted to 65 years.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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