Planning to Buy Bharti AXA Health Insurance Policy? Here is Why it is a Good Option

Amid the rising cost of hospitalization and increasing lifestyle diseases, the need for health insurance is more than ever before. Moreover, the COVID-19 pandemic makes it all the more essential. So, if you are planning to buy a health insurance policy from Bharti AXA General Insurance Company, then you should know that it is a wise choice.

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Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    The Insurer makes it possible for you to avail cashless treatment in the close to 4,500 network hospitals. The health insurance policies are designed to offer comprehensive cover up to Rs 1 Crore. The insurance company’s claims settlement ratio of 98.27% makes it a worthy option as all your claims are likely to get settled in the given time.

    Benefits that you can avail from a Bharti AXA Health Insurance Plan

    You as a policyholder can avail of the following benefits from a Bharti AXA Health Insurance Policy:

    • Renewal Discount -The insurance company provides a 5% to 35% renewal discount on the premium amount or every claim free year.
    • Tax Exemption Benefits -The total premium which goes every year and helps you save tax up to Rs. 55,000 as per the Indian Income Tax Act, 1961.
    • Additional Health Check-up Facilities -As part of certain insurance plans, the insured person can get reimbursements on health-checkup, on completion of a certain specified period.
    • Pre-policy Medical Screening - Bharti AXA Health insurance plans will reimburse your expenses incurred on health check-ups required before purchasing the policy. This is subjected to the limits, as specified in the policy documents.
    • Free-Look Period -If you purchase a health insurance policy from Bharti AXA General Insurance Company, then you are given a chance to evaluate your policy benefits and limitations. If you are dissatisfied, you can easily cancel the policy in the free-look period of 15 days. Even your premium amount will be refunded along with medical screening cost and stamp duty charges. It is not applicable when the policy is renewed subsequently.
    • Third Party Administrator Services - On purchasing the health insurance plan you will be serviced by the TPA or Third Party Administrator Department, that will assist you for cashless claim settlement in panel hospitals and medical reimbursement in non-network hospitals
    • Compensation of Medical Examination Fees -If the company accepts your proposal for the same, then 50% of the medical examination costs (registered hospitals or diagnostic facilities) will be reimbursed by the insurer 
    • Easy Portability - You can easily port out from your existing health insurance plan to Bharti AXA health insurance plan, if there has been no break while paying the premium of the current policy or if you have good customer record with your insurance company.
    • Health Insurance Card-When you purchase a policy, the insurer gives you a health card. You need to provide this health card at the network hospital before the hospitalization. It is required to avail cashless claim settlement The health card also has the contact details of the TPAs, whom you can contact at the time of a medical emergency to seek assistance.

    Why Buy Medical Insurance from Bharti AXA General Insurance Company?

    • The insurer provides three plan options i.e. Smart Super Health insurance with the sum insured option from Rs 5 Lakh to Rs 1 Crore, Smart Health Assure plan that covers 20 critical illnesses. There is a Smart Super top-up health plan that can be purchased with your existing health plan with a sum insured option up to Rs 60 lakh.
    • You can avail of cashless treatment in close to 4500 empanelled hospitals across India
    • There is flexibility to choose the plan and you can avail comprehensive medical cover up to Rs. 1 Crore
    • Seamless onlinepolicy issuance process. More than 1.3 million insurance policies have been issued by Bharti AXA General Insurance Company
    • There is no requirement of co-payment
    • Certain plansprovide unlimited hospital room rent
    • Lifelong policy renewal facility is provided
    • Easy access to insurer’s 152 branches that are widespread across the country
    • You can avail 24*7 customer care support

    Easy to Buy Bharti AXA Health Insurance Plans Online

    Simple online purchase process in 3 steps –

    • Select the suitable health insurance plan from their website.
    • Fill in all the necessary details and initiate the payment process
    • Once payment is done, you will receive your Bharti AXA medical insuranceplan details and invoice on your registered email-id.

    Save or Reduce your Bharti AXA Health Insurance Premium Amount

    If you follow the below-given tips you can save on the policy premium:

    • Purchase the Policy at the Right Age

    With age, health risks also increase. And the amount of insurance premium also increases for people who are more in age. If you become an early bird, you can save a lot on the premium amount and safeguard yourself from health risks in a timely manner.

    • No-Claim Bonus Benefit

    You can save up to 25 % as a no-claim bonus for the years that you have not made a health insurance claim. It is known as the policy renewal discount.

    • Opt For a Family Floater Plan

    A family floater plan is an ideal choice if you have young members in the family who are dependent on you. All can be insured under a single sum insured, as buying an individual plan can prove to be a costly affair.

    • Choose a Healthy Lifestyle

    Excess of smoking and drinking makes us vulnerable to diseases. A clear medical history will help you save on the premium amount. 

    Bottom-line

    Buying a best health insurance policy from Bharti AXA General Insurance Company can save you from stress, anxiety, and financial turmoil. Everyone doesn’t have cash available; therefore, with an adequate health insurance policy in place, you can pay for unforeseen hospitalization expenses.

    Written By: PolicyBazaar - Updated: 02 August 2021

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