Bharti AXA Health Insurance
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BHARTI AXA HEALTH INSURANCE

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Bharti AXA General Insurance

Overview
Bharti AXA General Insurance Company Ltd. is a joint venture between India’s Bharti Enterprises and AXA business Group of France, headquartered in Paris. With Bharti Enterprises having 51% stake, AXA Group has 49% stake in the venture that started its operations in 2008. Bharti AXA offers a range of insurance products across four wheelers, two wheelers, health, travel, personal accident and critical illness insurance to individuals as well as corporate clients. The company serves the nation with its 79 branches spread across the country. Headquartered in Bangalore, it is the first general insurer to receive dual certifications of ISO 9001:2008 and ISO 27001:2005.

Bharti AXA Health Insurance at a Glance
  • Cashless and hassle free direct claim settlement across 4500+networkhospitals in the country
  • Annual health check-up for insured members irrespective of their claims history
  • 21002 Policies were issued in FY 15-16
  • Has got inbuilt critical illness cover to its Smart Health policies
  • 99.14% of grievances resolved in FY 15-16
  • 85.4% claim settlement ratio
  • Offers maternity Benefit with 9 month waiting period for policies of 3 year premium paying term
  • Committed to act courteously, fairly and reasonably in all dealings with the customers

Awards & Recognitions
  • ‘Global Marketing Excellence Awards – Marketing Campaign’ of the Year for the Motor Campaign in 2016
  • For its technology initiative in 2014, the firm has been awarded the 'Asia Insurance Industry Award'
  • 'Excellence award' by the Institute of Economic Studies in March 2014
  • 'Best Insurance Company in the Private Sector - General' by the World HRD Congress at the BFSI Awards in 2014
  • At Banking Frontier's Finnoviti 2013, Bharti AXA General was awarded the 'Editor's Choice Awards for Service Innovation',
  • Award for 'Outstanding Performance in Insurance Category' at the Hyundai's CCS Vendor Conclave 2013,
  • ‘Commercial Lines Growth Leadership Award 2012’ at the India Insurance Awards
  • ‘Best Product Innovation Award 2012’ at the India Insurance Awards
  • 'Risk Manager of the Year Award 2011' at the Asia Insurance Industry Awards held at Singapore

Documents needed to apply for Bharti AXA Health Insurance
  • Age proof - (Any One)
    Driving License, Passport, Voter ID Card, Birth Certificate, etc
  • Identity proof – (Any One)
    Driving License, Passport, Voter ID card, PAN Card, Aadhar Card, or any document which proves citizenship
  • Income proof
  • Address proof – (Any One)
    Driving License, Passport and Utility Bill should clearly mention the permanent address
  • Income proof – (Any One)
    Salary Slip, Form 16, ITR
  • Recent passport size photograph

Why Bharti AXA India Health Insurance?
Here are some reasons why Bharti AXA Health is the right insurance provider for you:

Features Description
Sum Insured You can choose a sum insured ranging from Rs.3 Lacs to Rs.60 Lacs.
Cashless hospitalisation Bharti AXA Health has over 4500 network hospitals across India where one can avail cashless facility.
Claim process 24/7 claim assistance offers fast, seamless claim process across wide network of hospitals that makes the claim management quick and convenient. The Claim Settlement Ratio of Bharti AXA Health Insurance for FY2015-16 is 85.41%.
No-Claim Bonus (NCB)  Earn up to 100% NCB in the form of a 50-150% increase in sum insured.
Discounts Offers 10% discount for individual plans taken and 11% - 18% discount for plans taken on family floater basis, minimum two and maximum four additional members.
Lifelong renewability  All plans offered by Bharti AXA Health have a lifelong renewability option
Maternity benefit With Bharti AXA Health’s Smart Super Health plan’s Uber policy whose sum insured is above 20Lacs, insured can enjoy the maternity expense benefits for delivery for only first two children and / or surgeries associated therewith will be considered in respect of any one insured person covered.
Health Checkup Insured members of Bharti AXA Health can avail annual health check-up regardless of their claim history
AYUSH treatments AYUSH treatment upto an amount of sum insured is covered
Riders Apart from 20specified critical illness coverage, one time additional lumpsumis paid that excludes pre-existing critical conditions.

Types of Bharti AXA Health Insurance Plans
Bharti AXA Health offers insurance coverage with comprehensive health cover, critical illness cover, personal accident cover and mediclaim across various plans.

1. Bharti AXA Smart Health Insurance Plan: This plan from Bharti AXA Health is a single policy meant for the entire family that includes you, your spouse and two children. Available in 3 variants – Basic, Premium and Optimum, it has an in-built critical illness cover.

2.Bharti AXA Smart Super Health Insurance Plan: This plan from Bharti AXA Health is available in three variants – Value, Classic and User; and offers maternity benefit and offers lumpsum benefit for critical illness.

3.Bharti AXA Smart Health Critical Illness Plan: This plan from Bharti AXA Health has primary focus of providing insurance benefits to subscribers against any form of critical illness; where the insured person’s hospital expenses and other medical expenses are taken care of.

4. Bharti AXA Smart Individual Personal Accident Plan: This policy covers all expenses arising out of any accident that results in the disability or death of the policy owner. It also protects the insured family members and dependants.

Bharti AXA Health Insurance Plans in detail
1: Bharti AXA Smart Health Insurance Plan
Features Description
Entry age Any Indian resident who is 91 days upwards and no maximum entry age; 90 days to 23 years for children if at least one parent is also covered under this plan.
Type of Plan Individual / Family Floater
Sum Insured 3 - 5 Lacs
Coverage for Spouse, dependent children, with the limit on number of adults being at 2 and children being at 2.
Policy term 1 year

Inclusions, Benefits and Features
  • In-Patient Hospitalisation-Medical expenses for hospitalisation for a minimum period of 24 hours will be covered with upto sum assured subject to sub-limits; it does not cover outpatient treatment and treatment outside India.
  • Pre-Hospitalisation - Any medical expenses that have been incurred 30 days prior to the hospitalisation for the same illness will also be covered. This also has ambulance cover.
  • Post-Hospitalisation–Similarly, medical expenses incurred30 days after being released from the hospital and for the same illness will also be covered. Expenses such as doctor consultations, Diagnostic tests, medications etc are covered under this.
  • Domiciliary Treatment–Treatment of illness done at home for a period exceeding 3 consecutive days in case of emergency, which would normally need hospitalisation will also be covered in the policy. Its 10% of the sum insured
  • Organ Donor–Covers treatment expenses for organ donor; provided the liability towards expenses incurred on the donor and the insured recipient doesn’t exceed the aggregate of the sum insured and cumulative bonus buffer, if any, of the insured person receiving the organ. 10 – 15% of sum insured is covered under this.
  • Health Checkup – As a preventive measure, this policy provides Annual Health Check-up for policyholder and all members covered by under the policy, including children. The frequency being once in 4 years.
  • Reinstate the policy–This policy enables reinstate the entire Sum Insured amount if you ever run out of your health cover due to claims made. This additional amount can be used by you or by any other insured member for treatment of any ailment.
  • Emergency surface Ambulance charges– Rs 1500 – 2000 per event is paid for ambulance services availed in case of emergency.
  • AYUSH treatment –an amount upto sum insured is paid for treatment at any approved centre for Ayurveda, Yoga, Unani, Siddha and Homoeopathy treatments.

2: Bharti AXA Smart Super Health Insurance Plan
Features Description
Entry age Any Indian resident who is 91 days upwards and no maximum entry age; 90 days to 23 years for children if at least one parent is also covered under this plan.
Type of Plan Individual / Family Floater
Sum Insured 5 – 100 Lacs
Coverage for Spouse, dependent children, with the limit on number of adults being at 2 and children being at 2.
Policy term 1 year

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Domiciliary Treatment
  • Day care
  • Organ Donor Expenses
  • Maternity benefit
  • Coverage for 20specified Critical Illnesses
  • Daily cash allowance
  • Ambulance charges – Air ambulance charges for Uber Plan
  • AYUSH treatment
  • Convalescence Benefit
  • Dental emergency treatments (only accidents)
  • Animal bite / vaccination

3: Bharti AXA Smart Health Critical Illness Plan
Features Description
Entry age 91 days – 55 years
90 days to 5 years for children if at least one parent is also covered under this plan.
Type of Plan Individual / Floater
Sum Insured 3 to 60 Lacs
Coverage for Self, spouse, dependent children and parents

Inclusions, Benefits and Features
  • Hospitalisation expenses
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Organ Donor expense
  • Daily allowance
  • Nursing at home
  • Ambulance expenses
  • Covers 20 listed Critical illnesses
  • In-patient physiotherapy charges
  • Accompanying person’s expenses
  • Children education fund
  • Mortal remains
  • Medical examination reimbursements

4: Bharti AXA Smart Individual Personal AccidentPlan
Features Description
Entry age 18 – 75 years
Type of Plan Individual
Sum Insured 2 to 5 Lacs
Renewability Lifelong renewability
Coverage for Self

Inclusions, Benefits and Features
  • Hospitalisation expenses
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Dread disease recuperation
  • Organ donor expenses
  • Daily allowances
  • Home nursing charges
  • Ambulance expense
  • In-patient physiotherapy charges
  • Mortal remains
  • Recovery grant
  • Accompanying person’s expenses
  • Child education fund
  • Legal expenses
  • Total disablement benefit

Bharti AXA Health Exclusions:
  • There is an initial waiting period of 30 days for all illnesses except an accidental injury
  • Treatment of any pre-existing condition or diseases
  • Injury or illness caused due to war, invasion, nuclear weapon, contamination by radioactive materials
  • Cataract or any laser surgery
  • Dilation and curettage
  • Joint replacement, unless caused due to accident
  • Dental procedures
  • Hernia, Hydrocele, fistula in anus, sinusitis, piles
  • Sex change, circumcision
  • AIDS and related diseases
  • Routine examination of eyes and ears
  • All skin conditions, internal tumours, breast lumps

Bharti AXA Health Login:
  • For Individuals: Log into the Bharti AXA General Insurance website with your name, email ID, and mobile number
  • For Corporate Employees: Register with your Member ID and Employee ID.
  • For Corporate Administrators: Register using their Policy Number and Group ID.
  • For Sales Partner: Register using Agent Code and Date of Birth.
  • Brokers or Corporate Agencies: Register with Broker or Agency Code and Date of Joining.
  • Using Social media: You can also sign in with your Facebook, Gmail or mobile connect log-in.

Bharti AXA Health Insurance Renewal:
  • Log into the Bharti AXA Health Insurance website with your registered email or member ID and password. You can also login using your policy number through Quick Renewal link (https://www.bharti-axagi.co.in/health-insurance-renew)
  • Enter the exact policy number and expiry date as mentioned in the policy schedule.
  • Enter your age on the renewal calculator to get the renewal premium.
  • You can choose a different policy, altering the sum insured, add or remove dependants, alter rider policy, and edit policy term.
  • The policy schedule contains a unique policy number which changes every year on renewal.
  • Renewal payment can be made 60 days prior to the policy expiry date.
  • There is a 30day grace period within which to renew your policy without losing benefits
  • You can also opt to renew your policy through an Interactive Voice Response (IVR) and use the direct payment link. Contact 1800-103-2292(RENEW) for more details.
  • Email can be send for further details to  customer.service@bharti-axagi.co.in

Bharti AXA Health Insurance Claim Settlement:
Cashless Claim Reimbursement Claim
Visit a network hospital of the insurer to avail cashless treatment. If the cashless claim is denied, the insured member can get treated and file for a reimbursement claim after discharge.
Display your health card at the network hospital’s help desk. Submit the claim form along with the medical documents within 15 days of your discharge from the hospital.
Intimate the Claim helpdesk number of Bharti AXA within 24 hours of unplanned hospitalisation and 48 hours prior to your planned hospitalisation. Claims can be registered at the insurer's customer service centre or any of the branch offices through an application, call, email or in person.
The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer. To register a claim provide your contact details, name of the insured member, policy number, date and time of the problem, nature of the problem, and location of the problem.
After verification of the pre-authorisation request, the insurer will send an approval letter to the network hospital. Upon successful verification and approval, the claim amount will be sent to the proposer in the form of a cheque within 30 days of receipt of the documents.
The hospital will proceed with the cashless treatment for the insured member. Bharti AXA will settle the bill directly with the hospital. The insured has to pay those bills that are not covered under the policy. For any claim-related queries, call 080-49123900 or email at customer.service@bharti-axagi.co.in

Bharti AXA Health Insurance FAQs:
1: How Bharti AXA Health Insurance policyholders can get in touch with the insurer for any policy-related queries?
You can get in touch with the insurer by filling out a simple online form or calling the customer support centre on the numbers080-49010222 (for buying) or 1800-103-2292 (for renewals) or 080-49123900 (for claims). You can also mail the insurer with your queries to this email ID customer.service@bharti-axagi.co.in. A Call back request can also be placed online.

2: How can I add family members to my existing policy?
You can download Change Request form from the Bharti AXA Health Insurance website, fill it, and submit it at the nearest branch office along with additional premium. Mid-term policy addition is allowed only for a new born baby or newly-wed spouse.

3: How can I increase the sum insured of my Bharti AXAHealth Insurance?
You can download the Change Request form from the Bharti AXA Health Insurance website, fill it, and submit it at the nearest branch office along with the revised premium. Sum insured can be increased or decreased only at the time of renewal and not during the policy tenure. In the case of health insurance portability, sum insured cannot be enhanced if there’s a claim in the previous policy.

4: What is Re-instatement in the Bharti AXA Health Plan?
If you exhaust your entire sum insured and cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, Bharti AXA Health will refill the full Sum Insured at no extra cost.

5: What is multiplier benefit?
Under this benefit, during the first claim-free year, the sum insured will increase by 50% and the second claim-free year, the sum insured will be increased by 100%.

6: How can I claim OPD expenses from Bharti AXA Health?
You may submit all original medical bills and prescriptions to the insurer for reimbursement of OPD expenses. But make sure OPD expenses are covered in your plan.

7: Is vaccination covered under OPD benefit?
Yes vaccination is covered under OPD benefit of Bharti AXA Smart Super Health Insurance Plan’s Classic and Uber variant.

8: Can I choose multiple sum insured for my family members?
Yes, within the chosen variant, multiple sum insured can be selected for your dependents.