Amidst changing lifestyles and unpredictable health challenges, having comprehensive health insurance is quite important. As individuals, we face many uncertainties every day, which is why protecting our well-being requires being proactive. That’s where Bharti AXA Health Insurance comes in – to provide healthcare protection.
In a time when health issues can arise at any moment, understanding the nuances of a robust insurance plan is key. Whether you’ve had insurance for a while or are new to it, clarity on coverage, claims processes, and overall support is important for everyone. This detailed guide aims to cover Bharti AXA Health Insurance, explaining its offerings, benefits, and more.
Bharti AXA General Health Insurance Company Overview
Bharti AXA General Insurance Company is a distinguished player that was established through a joint venture between the renowned Bharti Enterprises group and global financial leader AXA.
From the Start, Excellence Defined Them
Bharti AXA was launched in 2008 and quickly achieved dual ISO certifications for quality management and information security – demonstrating its commitment to excellence from the beginning. They renewed the certifications in 2012, further validating world-class operations.
Specialists in Health Coverage
Bharti AXA focuses on the nuanced needs of health insurance. Their products are carefully designed to meet diverse individual needs, ensuring comprehensive coverage and financial protection during medical issues.
Additional Inclusions and Incidents Covered by Bharti AXA Health Insurance Plans
Understanding the coverage provided by health insurance plans can help individuals and families seeking comprehensive protection. Bharti AXA Health Insurance Plans encompass various medical conditions and critical illnesses. Let’s dive into the specific information:
- Medical Conditions Covered: Dialysis, Chemotherapy, Eye Surgery, and other medical conditions not requiring hospitalization beyond 24 hours
- Domiciliary Hospitalization
- Critical Illnesses Covered: Cancer, first heart attack, coronary heart disease, coronary artery bypass surgery, heart valve surgery, stroke, kidney failure, and more
Also Read: What Does HDFC ERGO Health Insurance Cover?
Bharti AXA Health Insurance Exclusions
- Initial Waiting Period
Hospitalization for diseases or injuries contracted within the first 30 days of policy inception is not covered. However, this clause does not apply upon policy renewal.
- Two-Year Exclusions
Certain medical conditions are not covered within the initial two years from the policy inception date. These include:
- Laser or cataract surgery.
- Dilation and curettage.
- Replacement of joints, unless due to accident.
- Chronic renal failure necessitating dialysis.
- Myomectomy or hysterectomy, unless for malignancy.
- Circumcision, sex change, and similar treatments.
- Skin conditions, and others
General Exclusions
- Suicide, self-inflicted illness or injury.
- Mental disorders, anxiety, stress, or depression.
- Injuries resulting from alcohol or drug use.
Awareness of these inclusions and exclusions enables policyholders to seek additional coverage when necessary.
Benefits of Bharti AXA Health Insurance
- Bharti AXA covers costs incurred 30 days before and up to 60 days after a hospital stay, as detailed in your policy.
- Certain plans have unlimited room rates, giving you flexibility and comprehensive coverage for in-patient care.
- Tailored policies for seniors provide extensive benefits up to Rs. 1 crore for your parents’ healthcare needs as they age.
- You can renew your Bharti AXA health insurance coverage indefinitely through different life stages for continuous protection.
- After four years, plans may cover prior illnesses, promoting long-term security.
More About Bharti AXA Health Insurance Premium Calculator
Bharti AXA Health Insurance Premium Calculator is a valuable tool for prospective policyholders who are searching for the right health insurance coverage. Understanding how to use this resource provides an accurate cost estimate. It can guide individuals toward informed decisions tailored to their specific needs.
To access the Bharti AXA Health Insurance Finance Calculator:
- Visit the official website of Bharti AXA and visit the dedicated health insurance account page.
- Choose a specific Bharti AXA health insurance policy that matches your healthcare needs.
- Select the number of people to be protected under the policy.
- Enter the necessary information, including your date of birth, name, contact number and email address.
- For a family float plan, indicate the age of the oldest family member or provide information about all family members.
- Click the ‘Calculate’ button to ask the health insurance premium calculator to calculate premiums.
- Compare calculated premium information across plans and get free health insurance quotes from various providers.
Recommended Read: How to Calculate Health Insurance Premium?
How to Apply for Bharti AXA Health Insurance Plans?
Securing health insurance sets individuals on a pivotal path, so the application should be simple and straightforward. Bharti AXA General Insurance provides multiple entry points for prospective policyholders to start their process.
- Helpline Assistance
Individuals can easily initiate a Bharti AXA Health application by contacting the sales team. A representative will guide applicants and answer any questions to make the process stress-free.
- Online Portal
The company website allows customers to submit their name, phone number and email for a quick response. Agents will then reach out to discuss the best options in a personalized meeting.
- Text Message Request
Applicants have a convenient contactless way to communicate their needs by sending specific keywords to a short code. Customer service will then respond efficiently to the next steps.
- In-Person Support
For a more personal experience, the option remains to visit a local Bharti AXA office or schedule time with a trusted advisor. Face-to-face discussions allow a comprehensive understanding to make the right choice.
Bharti AXA General Insurance Contact Details
| Type of Query | Contact Information |
| Toll-Free Number | 1800 103 2292 |
| customer.service[at]bhartiaxa.com |
FAQs
How can I purchase Bharti AXA Health Insurance online?
To buy Bharti AXA Health Insurance online, simply visit the insurer’s website. If you need assistance, dial the toll-free number provided.
If you’re below 56 years old and seeking a sum insured of Rs. 2 Lakhs or below, or below 46 years old and seeking a sum insured higher than Rs. 2 Lakhs, and you don’t have any pre-existing injuries, diseases, or conditions, you won’t need any pre-policy medical checkups. Additionally, you’ll receive a free quote online with instant policy issuance. Then, fill the application form and make the premium payment using net banking or credit card. Your policy documents will be sent to you via post and email.
How can I get reimbursement for medical expenses?
If you need reimbursement for medical expenses, follow these simple steps:
- Get admitted to a hospital where you will receive the necessary treatment.
- Settle the hospitalization bills and collect all the original medical documents from the hospital.
- Submit Documents to Third Party Administrator (TPA), along with a duly filled claim form.
- The TPA will evaluate all submitted documents and process the claim payment within 21 days of receiving all necessary documents. If your claim is rejected, you will receive a rejection letter with detailed reasons.
What are the age limits for purchasing Bharti AXA Health Insurance? How long are children covered under the policy?
The policies offered by Bharti AXA Health Insurance have no upper age limit, providing lifelong renewability and sustained coverage over time. They cover the policyholder, their spouse, and up to 2 dependent children under the age of 23. Children between 3 months and 5 years old can be covered under the family floater policy as long as at least one parent is also insured. For children aged 5 to 23, families have options. They can either purchase a separate child policy or continue coverage under the family plan – whichever best suits their needs.
What is the guaranteed premium of Bharti AXA health insurance policies?
The minimum amount guaranteed in a Bharti AXA health insurance policy starts from Rs. 2 lakh, and the maximum amount guaranteed increases to Rs. 5 lakhs. This flexibility allows policyholders to choose the coverage that best suits their specific health care needs and financial priorities.
Does Bharti AXA Health Insurance cover hospitalization expenses abroad?
While Bharti AXA Health Insurance does provide coverage for hospitalization expenses incurred within India, it does not extend this coverage for medical treatment received outside the country. The policy terms stipulate that any costs associated with seeking healthcare services abroad would not be eligible for reimbursement. For customers requiring international medical coverage, it may be advisable to explore supplemental travel insurance plans to provide such benefits.
Disclaimer:
The information shared on this platform concerning insurers, their products, services, or offerings is strictly for informational purposes. Updates may occur without prior notice, and it should not be construed as professional advice or an endorsement to procure any specific insurance product or service. Reliance on such information is solely at your own discretion and risk.