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Bharti AXA Health Insurance Plans

About Company

Bharti AXA Health Insurance Company

Bharti AXA General Insurance Company Limited is a combined undertaking between the most prominent conglomerate of the country, Bharti Enterprises and the French Financial Services giant, AXA. It is one of the established names in financial services sector. It specializes in financial protection and wealth management.

The company ignited its operations in August 2008. Within the first year of operations, it obtained dual certifications of ISO 9001:2008 and ISO 27001:2005. It became the first general insurance company to receive dual certification in the first year of its operations. The certifications were renewed for three more years in 2012.

Bharti AXA General Insurance offers an extensive range of health insurance packages suitable for varying needs of the masses. Till date, 1.3 million policies are sold by the insurance giant. The claim settlement ratio reported is around 98.27%

In this day and age, having a health insurance policy is utterly essential. The lifestyle of people today demands a lot out of them, psychologically and physiologically. Thus, it is wise to be equipped for any sort of health-related emergencies.

Health insurance policies extend comprehensive aid, whether it is a life-threatening disease or any common illness. In such strenuous times, having a kind of financial aid is always viable.

Key Advantages and Features

The policies designed under the health insurance arm of Bharti AXA General Insurance are elaborated and comprehensive which is adequate for the protection of your family’s health.

The key highlights of the plans are mentioned below:

  • Three major categories of packages available for different requisites of people. The plans of 2 lakh, three lakhs and five lakhs offers double of sum insured. It can be received in the form of lump sum amount as compensation. It covers hospitalization and other daily expenses incurred till the time patient is recovered.
  • Some of the plans of Bharti AXA offer coverage for the unlimited expenditure of hospital wards and room rent. Hence, you can choose a luxury room of your liking and just worry about recovering quickly, not the mounting hospital expenses.
  • The insured can avail benefits in income tax under section 80D. Premium paid for health insurance policies can be allowed as a deduction up to INR 25000 and INR 30000 in case of senior citizens.
  • The process of subscription to these plans is simple and hassle free. It involves almost zero paperwork since every process is digitalized.
  • The plans are renewable for a lifetime. Thus coverage is offered for lifelong.
  • Pre-existing conditions are covered after a waiting period of 4 years.

General Features of Bharti AXA’s Health Insurance Plans

  • There is a facility of cashless transactions in over 4300 hospitals all over the country.
  • There is 24*7 assistance on call for settlement of claims.
  • Pre-hospitalization and post- hospitalization expenses are covered.
  • Freelook in a period of 15 days is provided.
  • A renewal discount of 5% is offered every year up to 25% on a progressive scale.
  • Dedicated claim handlers for the service and convenience of clients.
  • Expenses for domiciliary hospitalization are covered when the care and treatment of the patient are continued at home.
  • Daycare processes are covered too.
  • Ambulance charges are covered.
  • Cash allowance for hospitals is allowed.

Policies and Benefits

The Bharti AXA life triple health insurance plans are described below

Smart Health Insurance

This package covers most of the expenditure incurred due to hospital admission. There are three sub-categories under Smart Health Insurance package. They are: -

SmartHealth BASIC This plan covers expenses of hospitalization up to 2 lakhs.

SmartHealth Optimum (1) Under this plan, expenses of hospitalization are covered up to 3 lakhs.

SmartHealth Optimum (2) Hospitalization expenses are covered up to 5 lakhs under this package.

Features and Benefits under Smart Health Insurance

  • Features and Benefits under Smart Health Insurance
  • Cashless hospitalization facility in about 4300 networked hospitals.
  • Expenses for nursing at home reimbursed.
  • Transplantation of organs is included.
  • Charges of the ambulance are paid.
  • Renewal discount of 5% is provided under this plan.
  • After four continuous renewals of policies, pre-existing conditions are allowed.
  • Expenses of a routine health check up are paid after four claim free years.
  •  The three lakhs and five lakhs plans cover critical illnesses. The insured will receive the entire sum assured provided the policy is subscribed for more than 60 days and the insured individual has survived for more than 30 days.


  • Any Indian resident with a minimum age of 91 days is eligible. There is no maximum age bar.
  • For Family Floater, the policy covers maximum four members of the family including the policyholder, spouse and two dependent children. The age limit of children is 90 days to 23 years.

Policy Period - 12 months

Sum Assured - 3 to 60 lakhs

Smart Health Critical Insurance

As the name suggests, the plan is designed particularly for critical illnesses.


  • This plan allows 20 critical illnesses to insure. They are:-
    1. Cancer
    2. First Heart Attack
    3. Coma
    4. Major Burns
    5. Stroke
    6. Multiple Sclerosis
    7. Coronary Heart Disease
    8. Surgery to Aorta
    9. End Stage Lung Disease
    10. End Stage Liver Failure
    11. Terminal Illness
    12. Motor Neuron Disease
    13. Fulminant Hepatitis
    14. Bacterial Meningitis
    15. Primary Pulmonary Hypertension
    16. Aplastic Anaemia
    17. Coronary Artery Bypass Surgery
    18. Organ/Bone Marrow Transplantation
    19. Kidney Failure
    20. Heart Valve Surgery
  • Medical examination reimbursement available.
  • Children education fund is provided under this plan.
  • Portability facility is allowed with this plan in which the insured can shift from one health plan to another.


The age bar for Smart Health Critical Insurance is 91 days to 55 years. For children, the age limit is 90 days to five years if one of the parents is insured.

Policy Period - 12 months

Sum Assured - 3 to 60 lakhs

Smart Individual Personal Accident Insurance Plan

This plan covers expenses arising from death and disability of the insured by accident.


  • Inpatient physiotherapy, expenses are covered under this plan.
  • Recovery grant is available under this option.
  • The expense of any person who was accompanying is covered under Smart Individual Personal Accident Insurance Plan.
  • Feature of Double Death Benefit or Permanent Total Disablement benefit is added in this plan in case of death or permanent total disability of the insured.
  • This plan extends accident hospitalization expenses coverage and hospital daily cash allowance.
  • Legal expenses are also covered under this option.
  • Expenses of transportation of mortal remains are covered.
  • Pre-hospitalization and post- hospitalization expenses are covered.
  • Permanent partial and total disability and temporary disability are included in this plan.
  • Coverage of organ transplant expenses available.
  • The company is well connected with 4,300 hospitals across the country.
  • It covers death due to accidents too.


  • Any Indian resident within the age bar of 18 to 75 years is eligible for this plan.


  • Suicides and self-inflicted harm.
  • AIDS and other related diseases.
  • Chronic renal failure which requisites dialysis.
  • Eye and ear examination which is carried out on a routine basis.
  • Dental procedures are excluded.
  • Laser and Cataract surgery are not covered.
  • Skin conditions such as internal tumours, cysts, polyps including breast lumps are not allowed. This will not be applicable if it is malignant.
  • Circumcision and sex change surgery are not included.
  • Procedures related birth, fertility and pregnancy are not covered.