Bharti Axa Health Insurance Review

Introduction

Here we will have an in-depth review of Bharti AXA Health Insurance Plans, their features, incisions, exclusions, and much more. Bharti AXA, known for its high-quality products and customer relationship services, are also health insurance providers which relieve all your health-related worries at times of need.

With plans that offer lifetime renewal benefits, room rent on certain plans, and coverage of pre-existing diseases, it is clear that the company understands the importance of health, and so do offers unique health insurance benefits to insurers.

Bharti AXA Health Insurance overview

I. Network hospitals – over 4800.
II. Incurred claims ratio – 89%.
III. No of claim settled – over 18 Lakhs.
IV. No of policies issued – near about 1.3 million.
V. Renewability – lifetime.

Benefits of Bharti AXA Health Insurance Plans

1. The plans offered by Bharti AXA Health Insurance cover the pre and post-hospitalization expenses upto 60 days and 90 days respectively.

2. There is no capping on room rent in specific health plans.

3. The senior citizen health plan offers comprehensive coverage of upto Rs. 1 Crore to elderly persons.

4. The plans come with lifetime renewability options.

5. Daycare treatment expenses of the patient in case of Domiciliary hospitalization are covered for a specified number of days.

6. 1% of the sum insured can avail for free health check-ups after 4 claim-free years.

7. Bharti AXA Health Insurance premiums paid are eligible for tax benefits upto Rs. 55,000 under Section 80D of the Income Tax Act, 1961.

Various Plans Offer By Bharti AXA General Insurance Company

Bharti AXA Smart Health Assure Plan

This policy covers all medical expenses and emergency hospitalization costs along with benefits like renewal discounts, no claim bonuses, tax savings, free health check-ups, etc. The plan is suitable for individuals looking for insurance coverage upto Rs. 4 Lakhs.

Features and benefits

1. The policy coverage is available in both Individual and Family Floater types.

2. Sum insured amount ranges between Rs. 3-4 Lakhs.

3. Lifetime renewability option availability.

4. People aged between 91 days to 65 years are eligible to get coverage under this scheme.

5. Pre and post-hospitalization expenses are covered upto 60 days and 90 days respectively.

6. The policyholder gets 100% restoration of the sum insured.

7. Cost incurred for Day Care treatments upto 130 days.

8. Ambulance service, Hospital cash allowance, Critical illness coverage, Organ donor coverage, AYUSH treatment expenses are covered.

9. The coverage limit for Maternity expenses and New Born Babies are Rs. 35,000 and Rs. 25,000 respectively.

Bharti AXA Smart Super Health Insurance Plan

It is a comprehensive health plan, which covers a range of hospitalization expenses. The policy has 3 variants like Value, Classic, and Uber Plan.

Value Plan

This plan is a variant of the Bharti AXA Smart Super Health Insurance Plan.

Features and benefits

1. The policy coverage is available in both Individual and Family Floater types.

2. Sum insured amount ranges between Rs. 5-7 Lakhs.

3. Lifetime renewability option availability.

4. People aged between 91 days to 65 years are eligible to get coverage under this scheme.

5. In-patient treatment expenses including Diagnostic tests, Surgical equipment, Operation Theatre charges, ICU charges, Practitioner fees are covered under this scheme.

6. Room rent allowance is upto the sum insured limit.

7. Pre and post-hospitalization expenses are covered upto 60 days and 90 days respectively.

8. The policyholder gets 100% restoration of the sum insured.

9. Day Care treatments, AYUSH treatment, and Domiciliary hospitalization expenses are allowed upto the sum insured limit.

10. Option to buy Maternity cover or New Born baby cover.

11. Cancer of specified severity, First Heart Attack, Stroke, major burns, Hepatitis, Hypertension, Kidney failure, Liver failure, and some more illnesses are covered in the policy.

Classic Plan

This plan is another variant of the Bharti AXA Smart Super Health Insurance Plan an enhanced version of the Value Plan with a higher sum insured.

Features and benefits

1. The policy coverage is available in both Individual and Family Floater types.

2. Sum insured amount ranges between Rs. 10,15 or 20 Lakhs.

3. Lifetime renewability option availability.

4. People aged between 91 days to 65 years are eligible to get coverage under this scheme.

5. Convalescence benefits of Rs. 10,000 on continuous hospitalization of 10 days or more.

6. Out-patient emergency treatment covers upto Rs. 10,000 in accidental cases.

7. Reimbursement of Rs. 2,500 is allowed for vaccination expenses in case of animal bites.

8. The policy has extended the health check-up facility.

9. Lump sum payment for critical illness over and above the sum insured.

10. Rest all inclusions are as same as the Value Plan.

Uber Plan

It is the last variant of the Bharti AXA Smart Super Health Insurance Plan. The plan is an enhanced version of the Classic Plan with a much higher sum insured amount compared to the other 2 variants.

Features and benefits

1. The policy coverage is available in both Individual and Family Floater types.

2. Sum insured amount ranges between Rs. 20 Lakhs to 1 Crore.

3. Lifetime renewability option availability.

4. People aged between 91 days to 65 years are eligible to get coverage under this scheme.

5. Maternity and New Born baby cover are upto Rs. 50,000.

6. Reimbursement of Rs. 5,000 is allowed for Vaccination expenses in case of animal bites.

7. Lump sum payment for critical illness over and above the sum insured.

8. Daily hospital cash allowance ranges from Rs. 500, Rs. 1,000, Rs. 2,000 and Rs. 3,000 for a maximum of upto 30 days.

9. Domestic Air Ambulance coverage is provided in the scheme.

10. Out-patient Emergency Dental treatment coverage is also available under this plan.

11. Rest inclusions are the same as the other 2 variants.

Bharti AXA Smart Health Critical Illness Insurance Plan

This health insurance plan primarily benefits people against any form of life-threatening disease. The insured gets benefits when hospital expenses and other related medical expenses are concerned.

Features and benefits

1. The policy coverage is available in both Individual and Family Floater types.

2. Paying sum insured amount in a Lump sum.

3. People aged between 91 days to 55 years are eligible to get coverage under this scheme.

4. It covers Medical expenses in case of hospitalization.

5. Pre and post-hospitalization expenses, Organ transplant expenses.

6. Reimbursement of Medical Examination is available.

7. It covers In-patient Physiotherapy expenses.

8. The expenses for the accompanying person.

9. It also covers Emergency Ambulance service charges.

10. Renewal benefit of 5% is available.

11. 20 critical illnesses covered under this scheme are as follows,
a. Terminal illness.
b. Cancer.
c. Surgery of Aorta.
d. Coronary Heart disease.
e. First Heart Attack.
f. Coronary Artery Bypass Surgery.
g. Heart Valve Surgery.
h. Stroke.
I. Kidney failure.
j. Aplastic Anaemia.
k. End-stage Liver failure.
l. Coma.
m. Major burns.
n. Organ/Bone marrow transplantation.
o. Multiple Sclerosis.
P. Fulminant Hepatitis.
q. Motor Neurone disease.
r. Primary Pulmonary Hypertension.
s. Bacterial Meningitis.

Bharti AXA Smart Individual Personal Accident Insurance Plan

This policy covers expenses particularly arising due to an accident that results in the disability or death of the proposer. The plan protects both the proposer and his/her family in such unfortunate situations.

Features and benefits

1. The policy coverage is available in Individual type only.

2. Paying sum insured amount in a Lump sum.

3. People aged upto 65 years are eligible to get coverage under this scheme.

4. Lifetime renewability option availability.

5. The sum insured may be enhanced only at the time of policy renewal(if no claim had been lodged or paid).

6. The policy covers both permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.

7. Transportation of mortal remains is covered under this policy.

8. The plan provides Hospital Daily Cash allowance and Accidental Hospitalization expenses.

9. Pre and post-hospitalization expenses are also covered for a specified number of days.

10. Domiciliary hospitalization expenses, Ambulance charges, In-patient Physiotherapy expenses are covered under the scheme.

11. The scheme covers children’s education funds.

12. Renewal discount of 5% is available.

13. Double Death Benefit or Permanent Total Disability benefit, in which there is the payment of double benefit (200% of the sum insured) to the person who faced an accident while traveling in public transport.

14. The scheme offers a portability facility by which the policyholder can switch one policy to other in the same company easily.

Exclusions

1. Hospitalization for diseases or injuries contracted within the first 30 days of the policy inception date.

2. Some medical conditions are not covered by Bharti AXA Health Insurance for the first 2 years from the policy inception date.
a. Laser or Cataract Surgery.
b. Dilation and Curettage.
c. Joint replacements (unless caused by accident).
d. Chronic Renal failure that requires dialysis.
e. Myomectomy or Hysterectomy are not covered (unless there is Malignancy).
f. Sex change, Circumcision, and other similar treatments.
g. Skin conditions like Internal Tumors, Cysts, Nodules, Polyps including Breast Lumps are not covered(unless diagnosed as Malignant).
h. Procedures related to birth, pregnancy, and fertility.
I. Suicide or self-inflicted injuries/illnesses, mental disorders, illnesses/injuries due to abuse of alcohol or drugs.
j. Hernia, Hydrocele, Fistula of Anus, Piles, Sinusitis, Gastric and Ulcers, AIDS or related diseases.
k. It also does not cover the routine examination of ears, eyes, and cost of spectacles.

Claim Procedure

There are two ways to claim your Bharti AXA Health Insurance Plan.

Cashless treatment

In simple terms, for claiming on a cashless basis, the treatment must be done only at a network hospital of Bharti AXA Health Insurance Company. For availing of the treatment, you have to first seek an Authorization Form and submit it on the hospital desk.

You can contact Bharati AXA through any of their 24×7 convenient intimation modes and notify about the claim within 48 hours of the date of admission to the hospital or before discharge(whichever is earlier).

Reimbursement

In case of claims on a reimbursement basis, the insurance company has to be informed as per their prescribed procedures. You need to ensure that documents like claim forms, discharge summaries, prescriptions, and bills received after hospitalization need to be submitted for the reimbursement claim.

The claim must be intimated within 7 days from the date of discharge, and all original necessary documents along with the claim form must reach the insurer within 30 days from the date of discharge. If everything is in order, payment will be made within 21 days of receiving all documents. If a claim is rejected, a letter explaining the reason for the rejection will be sent to you.

Contact

Call(Toll free) – 1800 103 2292.

E-mail – [email protected]

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