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Bharti AXA Health Insurance
Bharti AXA General Insurance Company Limited is a joint venture between Bharti Enterprises, which is a reputed Indian business group and AXA, which is a world leader in financial protection and wealth management. The company started its operations August 2008 and within the first year itself, it received dual certifications of ISO 9001:2008 and ISO 27001: 2005. It is the first organization dealing in general insurance that has received these two certifications in the very first year of operations. These certifications were subsequently renewed in the year 2012 for three more years. In case of Health Insurance, the company offers a range of products designed to meet all the requirements of the individual.
Bharti AXA Health Insurance Overview
Bharti AXA General Insurance Company Limited is a joint venture between Bharti Enterprises, which is a reputed Indian business group and AXA, which is a world leader in financial protection and wealth management. The company started its operations August 2008 and within the first year itself, it received dual certifications of ISO 9001:2008 and ISO 27001: 2005. It is the first organization dealing in general insurance that has received these two certifications in the very first year of operations. These certifications were subsequently renewed in the year 2012 for three more years. In case of Health Insurance, the company offers a range of products designed to meet all the requirements of the individual.
Why To Buy Bharti AXA Health Insurance Plans?
Health Insurance Plans have become very important in the modern age due to the rising cost of medical expenses and the treatment costs of various ailments. Moreover, the current lifestyle of individuals has made them more prone to diseases and ailments that require medical attention. Medical costs are spiralling upwards and there is no relative growth in the income of the common man who eventually faces a financial crisis when faced with a medical emergency. Thus, it is prudent to insure oneself against any medical contingencies that may arise so that the financial aspect of the crisis is at least handled by the insurance company and the medical costs do not become a burden on the average middle-class man. List of Bharti AXA Health Insurance plans The company offers three types of health insurance plans. Let us take a closer look at each health insurance policies in detail: Bharti AXA Smart Health Insurance plan This is a health insurance policy that covers the hospitalization expenses of the individual. Featutres and Benefits of Bharti AXA Smart Health Insurance Plan: Access to cashless hospitalization facility across 4300 empanelled hospitals Domiciliary treatment where 24 hours of hospitalization is not required Daycare hospitalization where the care and treatment is done at home Critical illness cover is provided for diseases such as cancer, etc. Medical expenses in case of hospitalization are covered Pre-existing diseases are covered after four continuous policy renewals Transplantation of organs Hospital cash allowance is provided Home nursing is covered Ambulance charges are covered There is a renewal discount of 5% Cost of health check up after four claim-free years is covered The sum assured is Rs. 3, 6, 4, 5, 6, 7, 10, 15, 20, 25, 50 or 60 lakhs. The sum assured can be enhanced at the time of policy renewal. This plan is sub-categorized under three categories as per the benefit structure provided. The details are as follows:- SmartHealth BASIC covers hospitalization expenses up to Rs. 2 lakhs SmartHealth Optimum (1) covers hospitalization expenses up to Rs. 3 lakhs SmartHealth Optimum (2) covers hospitalization expenses up to Rs. 5 lakhs The 3 lakh and the 5 lakh plans include a critical illness cover that provides a lump sum benefit of the same amount as The Sum Insured if the insured person is diagnosed with any of the 20 specified critical illnesses under the plan, provided more than 60 days have passed since the plan was taken and the person has survived for more than 30 days If the insured has a Rs. 3 lakh plan and is diagnosed with a critical illness then he or she will receive an additional amount of Rs. 3 lakh Similarly, if the insured has a Rs. 5 lakh plan and is diagnosed with a specified critical illness, then he or she is entitled to receive an amount of Rs. 5 lakh as a lump sum The 20 illnesses specified as critical are enumerated under the features of the next plan (Critical Illness plan) after this plan. Eligibility for Bharti AXA Smart Health Insurance Plan Any Indian resident individual who is of the age 19 years and above
Bharti AXA Smart Health Critical Illness Insurance Plan
This is a health plan that has a primary focus on providing insurance benefits to people against any form of critical illness. The plan seeks to benefit the insured where hospital expenses and other medical related expenses are concerned, when the person suffers from a critical illness. The features of the plan are as follows: Medical expenses in case of hospitalization are covered Pre and post hospitalization expenses covered Dread disease recuperation is covered Transplantation of organs is covered Home nursing expense is covered In-patient physiotherapy expenses are covered There is a Recovery Grant Hospital cash allowance is provided The expenses for the accompanying person is covered Emergency ambulance charges are covered Children education fund is provided with this plan The expense for transport of mortal remains are covered There is a renewal benefit of 5% There is reimbursement of medical examination There is portability facility that helps in migrating from one health policy to another by the same company The customer can choose the Family Floater facility with this plan in which he or she can choose one insured sum for the whole family (up to four people) The twenty critical illnesses that are covered with this plan are as follows Cancer First heart attack Coronary heart 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 Organ / bone marrow transplantation Multiple sclerorsis Fulminant hepatitis Motor neurone disease Primary pulmonary hypertension Terminal illness Bacterial meningitis Eligibility for Bharti AXA Smart Health Critical Illness Insurance Plan Any Indian resident Individual between the ages of 91 days to 55 years are eligible to apply. In case of children, the age limit is 90 days to 5 years if either one of the parents is covered with the company. Bharti AXA Smart Health Critical Illness Insurance Plan – Claim Process Being a Bharti AXA Health Insurance benefit plan, the claim should be submitted 30 days after the initial diagnosis, provided 60 days had elapsed when the critical illness was diagnosed The following documents are required to be filed: Claim form duly filled in and signed Attending doctors prescription/statement Copy of the final bill and discharge statement Copy of the medical or test report that confirmed the initial diagnosis Medical certificate with details of patient fitness levels and treatment being undertaken Bharti AXA Smart Individual Personal Accident Insurance Plan This is a policy that covers expenses arising out of any accident that results in the disability or death of the proposer. This is a smart insurance plan that protects both the insured person as well as his or her family members. The features are as follows: There is the facility of a lifelong renewability of the insurance plan The Sum Insured may be enhanced only at the time of policy renewal, on the condition that no claim had been lodged or paid. The enhancement that can be chosen is the next Sum Insured slab available under the policy, if there is a declaration of good health. The plan covers Permanent Total Disability Permanent Partial Disability is covered under the plan The plan covers Temporary Total Disability The plan covers death due to accident Transportation of the mortal remains are covered under this plan The plan provides for Hospital daily cash allowance and accidental hospitalization expense Legal expenses are covered with this plan The company has a tie-up with over 4300 hospitals all across the country Pre-hospitalization expenses are covered Post-hospitalization expenses are also covered The plan covers dread disease recuperation Coverage of transplantation of organs expense Home nursing expenses are covered Ambulance expenses covered In-patient physiotherapy expenses are covered by this plan There is a Recovery grant The expense of the accompanying person is covered by the plan Children education fund is covered There is a renewal discount of 5% The plan offers medical cost reimbursement There is portability facility that helps in migrating from one health policy to another by the same company There is a Double Death benefit or Permanent Total Disablement Benefit, in which there is payment of double benefit (200% of the Sum Insured) for the death or the Permanent Total Disablement due to the accident while travelling as a passenger on public transport Eligibility for Bharti AXA Smart Individual Personal Accident Insurance Plan Any Indian resident between the ages of 18 to 75 years Additional Inclusions and incidents covered by Bharti AXA Health Insurance Plans The following are included for coverage under the Bharti AXA Health Insurance Plans: Medical conditions such as dialysis, chemotherapy, eye surgery, lithrotripsy and other such conditions that do not require hospitalization beyond 24 hours are covered. Diseases or injuries that require domiciliary hospitalization, that is medical intervention and rest at home, that exceeds three days. The critical illnesses that are covered by the Bharti AXA Health Insurance Plans are as follows: Cancer First heart attack Coronary heart disease Coronary artery bypass surgery Heart valve surgery Surgery to aorta Stroke Kidney failure Aplastic anemia End stage lung disease End stage liver failure Come Major burns Organ / bone marrow transplantation Multiple sclerorsis Fulminant hepatitis Motor neurone disease Primary pulmonary hypertension Terminal illness Bacterial meningitis Exclusions or incidents that are not covered by Bharti AXA Health Insurance Plans The following conditions are not covered by the Bharti AXA Health Insurance Plans: The expenses that incur as a result of hospitalization as a result of diseases or injuries contracted within the first 30 days of the inception of the policy. This clause is not applicable when the policy is renewed at a later date. The following list of medical conditions are not covered by the Bharti AXA Health Insurance plans for the first two years from the date of policy inception:- Laser or cataract surgery Dilation and curettage Unless the injury is caused by accident, replacement of joints are not covered Chronic renal failure that requires dialysis Unless there is malignancy, myomectomy or hysterectomy are not covered Circumcision and sex change (and similar treatments) are not covered Dental procedures are not covered Hernia, Hydrocele, fistula in anus, sinusitis, haemorrhoids/piles are not covered Procedures that are related to birth, pregnancy and fertility are not covered. Such as birth control, hormone replacement therapy, caesarean section and operations related to conception or fertility Gastric and duodenal erosions and ulcers are not covered AIDs and related diseases are not covered Routine examination of eyes and ears are not covered. The cost of spectacles are not covered All types of skin conditions are not covered, such as internal tumours, cysts, nodules, polyps including breast lumps, unless they are diagnosed as malignant Suicide, self-inflicted illness or injury, mental disorders, anxiety, stress or depression and injuries/illnesses that are a result of the use of alcohol or drugs are not covered Bharti AXA Health Insurance Premium Calculator The company provides the facility of premium calculation to prospective individuals seeking to buy health insurance plans from the company. Following are some of the instances where the premium has been calculated using the companys calculator: A wants to apply for a Smart Health policy for herself for a value of Rs.3 lakhs. She is 30 years old and for the stated coverage, the amount of annual premium works out to be Rs.5073. B wants to buy a plan for herself and her newly married husband. She approaches Bharti AXA with a proposal to cover the both of them for Rs.2 lakhs. B is aged 30 years and her husband is aged 31 years. The premium for their health insurance plans comes to Rs.9131 C a 40 year individual needs a health plan for his family comprising of himself, his wife also aged 40 years and his 2 children. The coverage sought is Rs.5 lakhs for which the premium charged is Rs.22,210. The table tabulates the above sum assured and premium data for an instant reference: How to Apply for Bharti AXA Health Insurance Plans Health insurance plans offered by the company can be applied to through multiple channels like: Individuals desirous of availing any plan can simply call the Sales helpline of the company at 080-49010222 and speak to the customer service representative. They can provide their name, mobile number and email id on the website of the company and request for a call back. Customers may send a message to 5667700 using keywords such as Claim, Service, Renew and Call Back. Lastly, customers may also visit the companys branches or get in touch with an agent to buy the plans required.
Bharti AXA Health Insurance Policies at a Glance
Advantages of availing Bharti AXA health insurance plans The organization of Bharti AXA received two international certifications within its first year of operations, both of which were again renewed for three years in 2012. This remarkable achievement demonstrates the organizations focus on quality, customer relationships and the simplification of the claims process. Today the organization is a preferred brand in the insurance industry. Below are the advantages of buying health insurance plans from Bharti AXA: There is cashless hospitalization at over 4300 all over the country There is a facility of 24*7 call assistance for settlement of claims Pre and post hospitalization expenses are covered There is lifetime renewal On selected health insurance plans, double sum insured is provided if the insured person is diagnosed with any of the twenty main critical illnesses On select health plans there is unlimited room rent for hospital stays Tax benefit is provided under section 80D for up to Rs. 25000 There is a dedicated claims handler for health insurance claims There is a 5% renewal discount every year with a maximum of up t 25% on a progressive scale Day care procedures are covered Domiciliary hospitalization is covered where the care and treatment of the patient is taken at home for a time period exceeding three days for illness, disease or injury There is a free look-in period of 15 days
Bharti AXA Health Insurance – FAQs
1. What is the process for online purchase of Bharti AXA Health Insurance Policy? You need to visit the insurers website to buy health insurance policy online. In case you require assistance, you can dial toll free number. If your age is below 56 years and you are looking for a sum insured equal to Rs. 2 Lakhs or your age is below 46 years and you are looking for a sum insured more than Rs. 2 Lakhs; also, you are not suffering from any pre-existing injury, diseases or condition, then you would not be required to get any pre-policy medical checkups done. Also, you would get a free quote online and instant issue of policy. Next, all you need to do is fill up the application form and pay the amount of premium through net banking or credit card. The policy documents would be posted as well as e-mailed to you. 2. How to avail reimbursement facility? The following are the steps to avail the reimbursement facility: The policyholder gets admitted into a hospital He takes the required treatment and clears the hospitalization bills. Gets all the original medical documents back from the hospital Submits the original as well as other necessary documents with the Third Party Administrator in addition to the claim form (appropriately filled) Third Party Administrator will evaluate those documents and process the claim payment in 21 days since the receipt of all the required documents. In case the claim gets rejected, a rejection letter shall be sent to the policyholder containing the reasons for the same. 3. Is there any age limit for buying Bharti AXA Health Insurance? Till what age are children covered under this policy? Bharti AXA Health Insurance covers the policyholder, his spouse and his 2 dependent children, equal to or below the age of 23 years. The policies offer by Bharti AXA Health Insurance offer lifelong renewability. If the age of your child is from 3 months to 5 years, then he or she is eligible be get coverage under the Bharti AXA family floater policy; however, it is must for at least one parent to be covered under the same policy. If you childs age is from 5 years to 23 years, then you would also have a choice to buy a separate health insurance policy for your child or continue with the family floater policy; as suitable. 4. What is the minimum and maximum sum insured amount available under Bharti AXA Health Insurance Policy? The least amount of sum assured available under Bharti AXA Health Insurance Policy is Rs. 2 Lacs, while, the maximum is Rs. 5 Lacs. 5. Does Bharti AXA Health Insurance Policy cover the hospitalization expenses occurred abroad? No, Bharti AXA health insurance covers only for the hospitalization expenses incurred in India. 6. What is the process for availing the cashless hospitalization facility under Bharti AXA Health Insurance? In event of hospitalisation in a listed hospital due to an emergency: The patient gets admitted into an empanelled hospital by presenting the Health Card issued by insurer The next step is to get the cashless claim form filled up by hospital and fax it to the Third Party Administrator on the fax number specified in the form or you can also submit it to the insurance help desk situated in the hospital The TPA shall then review your claim TPA shall then inform the policyholder along with the hospital about the claim status through email notification, SMS, or fax usually in 6 hours since the submission of the request TPA shall only approve the medical expenses that are covered under this policy. The expenses that are not covered under this policy shall be borne by the Policyholder The hospitalisation bills shall be settled directly by Bharti AXA General Insurance Company. 7. How to renew Bharti AXA Health Insurance Policy post a year? In order to renew your Bharti AXA Health Insurance Policy you need to call the insurers customer support help desk number. You might be interested following insurance plans provided by Bharti AXA: Bharti AXA Car Insurance Bharti AXA Two Wheeler Insurance Bharti AXA Home Insurance Bharti AXA Travel Insurance Bharti AXA personal Accident Top Bharti AXA Health Insurance Plans Reliance Classic Plan II
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1. What is the process for online purchase of Bharti AXA Health Insurance Policy? You need to visit the insurers website to buy health insurance policy online. In case you require assistance, you can dial toll free number. If your age is below 56 years and you are looking for a sum insured equal to Rs. 2 Lakhs or your age is below 46 years and you are looking for a sum insured more than Rs. 2 Lakhs; also, you are not suffering from any pre-existing injury, diseases or condition, then you would not be required to get any pre-policy medical checkups done. Also, you would get a free quote online and instant issue of policy. Next, all you need to do is fill up the application form and pay the amount of premium through net banking or credit card. The policy documents would be posted as well as e-mailed to you. 2. How to avail reimbursement facility? The following are the steps to avail the reimbursement facility: The policyholder gets admitted into a hospital He takes the required treatment and clears the hospitalization bills. Gets all the original medical documents back from the hospital Submits the original as well as other necessary documents with the Third Party Administrator in addition to the claim form (appropriately filled) Third Party Administrator will evaluate those documents and process the claim payment in 21 days since the receipt of all the required documents. In case the claim gets rejected, a rejection letter shall be sent to the policyholder containing the reasons for the same. 3. Is there any age limit for buying Bharti AXA Health Insurance? Till what age are children covered under this policy? Bharti AXA Health Insurance covers the policyholder, his spouse and his 2 dependent children, equal to or below the age of 23 years. The policies offer by Bharti AXA Health Insurance offer lifelong renewability. If the age of your child is from 3 months to 5 years, then he or she is eligible be get coverage under the Bharti AXA family floater policy; however, it is must for at least one parent to be covered under the same policy. If you childs age is from 5 years to 23 years, then you would also have a choice to buy a separate health insurance policy for your child or continue with the family floater policy; as suitable. 4. What is the minimum and maximum sum insured amount available under Bharti AXA Health Insurance Policy? The least amount of sum assured available under Bharti AXA Health Insurance Policy is Rs. 2 Lacs, while, the maximum is Rs. 5 Lacs. 5. Does Bharti AXA Health Insurance Policy cover the hospitalization expenses occurred abroad? No, Bharti AXA health insurance covers only for the hospitalization expenses incurred in India. 6. What is the process for availing the cashless hospitalization facility under Bharti AXA Health Insurance? In event of hospitalisation in a listed hospital due to an emergency: The patient gets admitted into an empanelled hospital by presenting the Health Card issued by insurer The next step is to get the cashless claim form filled up by hospital and fax it to the Third Party Administrator on the fax number specified in the form or you can also submit it to the insurance help desk situated in the hospital The TPA shall then review your claim TPA shall then inform the policyholder along with the hospital about the claim status through email notification, SMS, or fax usually in 6 hours since the submission of the request TPA shall only approve the medical expenses that are covered under this policy. The expenses that are not covered under this policy shall be borne by the Policyholder The hospitalisation bills shall be settled directly by Bharti AXA General Insurance Company. 7. How to renew Bharti AXA Health Insurance Policy post a year? In order to renew your Bharti AXA Health Insurance Policy you need to call the insurers customer support help desk number. You might be interested following insurance plans provided by Bharti AXA: Bharti AXA Car Insurance Bharti AXA Two Wheeler Insurance Bharti AXA Home Insurance Bharti AXA Travel Insurance Bharti AXA personal Accident Top Bharti AXA Health Insurance Plans Reliance Classic Plan II