Bharti AXA Health Insurance

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 Policies at a Glance

Bharti AXA Health Insurance Sum Assured Entry Age Critical Illness Coverage and Benefits
Smart Health Insurance 3 lakhs to 60 lakhs 91 days to no maximum limits N/A
  • Day care treatment Expenses
  • Domiciliary hospitalization expenses
  • Hospitalization Expenses
  • Organ Donor Expenses
  • Hospital Cash Allowance
  • Home Nursing
  • Ambulance Charges
Smart Health Critical Illness Insurance 2 to 60 lakhs 91 days to 55 years It covers 20 types of critical illnesses
  • Hospitalization expenses
  • Pre-hospitalization expenses
  • Post-hospitalization expenses
  • Organ donor expenses
  • Hospital cash allowance
  • Home nursing
  • Ambulance charges
Smart Individual Personal Accident Insurance 2 to 5 lakhs 18 to 75 years N/A
  • Hospitalization expenses
  • Pre-hospitalization expenses
  • Post-hospitalization expenses
  • Dread disease recuperation
  • Organ Donor expenses
  • Hospital cash allowance
  • Home nursing charges
  • Ambulance charges

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 organization’s 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

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

    How to Choose the Perfect Bharti AXA Smart Health Insurance Plan?

    It’s not easy to choose the perfect health insurance plan for yourself. Quite a few factors affect what plan you need. For instance, the ones that best suits you will depend on your family size and income, your age and of the people in the family you will include in your plan, the stage of your life, your assets and liabilities, and so on. Most of Bhati AXA’s Smart Health Insurance Plan options are available for online purchase. The Bharti AXA Health Insurance online plans are available for people below 55 years, for all types of nuclear families. Bharti AXA Health Insurance online renewal is also possible for these plans.

    Age Group / Family Type Single: Individual Married with No Kids: Insured and Spouse Married with Kids: Insured, Spouse and Two Kids Single Parent: Insured and Two Kids
    2 - 35 years * Rs. 5 lakh Rs. 5 lakh Rs. 3 lakh Rs. 3 lakh
    36 - 45 years * Rs. 5 lakh Rs. 3 lakh Rs. 3 lakh Rs. 3 lakhs
    46 - 55 years @ Rs. 2 lakh Rs. 2 lakh Rs. 2 lakh Rs. 2 lakhs
    56 - 65 years # Rs. 2 lakh Rs. 2 lakh Rs. 2 lakh Rs. 2 lakh

     

    * Plans are available online and do not require any medical tests

    @ Plans are available online and require medical tests

    # Plans are not available online and require medical tests

    Differences in Coverage Between the Bharti AXA Health Insurance policies

    Some of the differences in benefits between the Smart Health Basic and the Smart Health Optimum plans:

     Plans Smart Health Basic(Rs. 2 lakh) Smart Health Optimum(Rs. 3 lakh) Smart Health Optimum(Rs. 5 lakh)
    Critical Illness Nil Cover Separate  additional lump sum benefit equal to 100% of Sum Insured Separate  additional lump sum benefit equal to 100% of Sum Insured
    Hospital Cash Allowance Rs. 200 daily for 10 days after first 3 days Rs. 750 daily for 10 days after first 3 days Rs. 1000 daily for 10 days after first 3 days
    Home Nursing Care Nil Cover Rs. 500 daily for 10 days after first 3 days Rs. 500 daily for 10 days after first 3 days
    Ambulance Expenses Reimbursement Limit Rs. 1,500 Rs. 2,500 Rs. 2,500
    Inpatient Physiotherapy Nil Cover Upto 2% of Sum Insured Upto 2% of Sum Insured
    Recovery Grant Nil Cover Lump sum benefit of Rs. 12,500 if insured hospitalised for more than 8 continuous days Lump sum benefit of Rs. 12,500 if insured hospitalised for more than 8 continuous days
    Parent Accommodation (for Children) Nil Cover Rs. 250 daily for 30 days after first 3 days Rs. 250 daily for 30 days after first 3 days

     

    Claim Process For Bharti AXA Smart Health Insurance Policy

    Cashless Claim

    • The cashless claim under this Bharti AXA Health Insurance cover is available only if the treatment is undertaken at any of the network hospitals
    • The insured has to provide the Bharti AXA Health Insurance Plan details and ask the hospital to fill the claims cashless request form. If the treatment is a planned one, then Bharti AXA has to be informed 4 days in advance
    • This form has to be submitted with the insurance helpdesk at the affiliated hospital or faxed to the number specified in the form
    • Thereafter Bharti AXA or its TPA will issue the authorisation letter and settle the bill directly with the hospital

    Reimbursement Claim

    • Bharti AXA should be informed within 48 hours of admission to a hospital
    • The insured can pay the bill directly to the hospital and ensure they get all the original documents
    • The following necessary documents have to be submitted to Bharti’s TPA:
      • First prescription for the illness / condition
      • Document from doctor advising hospitalisation
      • Final bills of hospital
      • All test reports and their bills/ receipts
      • Bills of all external medicines with original prescription
      • Medical fitness certificate
      • Attending doctor’s prescription/statement
      • Complete claim form
      • Bharti AXA releases the payments within 21 days of receiving all complete documents
  • 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
      1. Cancer
      2. First heart attack
      3. Coronary heart disease
      4. Coronary artery bypass surgery
      5. Heart valve surgery
      6. Surgery to aorta
      7. Stroke
      8. Kidney failure
      9. Aplastic anemia
      10. End stage lung disease
      11. End stage liver failure
      12. Coma
      13. Major burns
      14. Organ / bone marrow transplantation
      15. Multiple sclerorsis
      16. Fulminant hepatitis
      17. Motor neurone disease
      18. Primary pulmonary hypertension
      19. Terminal illness
      20. 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 doctor’s 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:
      1. Cancer
      2. First heart attack
      3. Coronary heart disease
      4. Coronary artery bypass surgery
      5. Heart valve surgery
      6. Surgery to aorta
      7. Stroke
      8. Kidney failure
      9. Aplastic anemia
      10. End stage lung disease
      11. End stage liver failure
      12. Come
      13. Major burns
      14. Organ / bone marrow transplantation
      15. Multiple sclerorsis
      16. Fulminant hepatitis
      17. Motor neurone disease
      18. Primary pulmonary hypertension
      19. Terminal illness
      20. 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 company’s 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:

Applicant

Number of members covered

Sum Assured

Premium

A

1

3 lakhs

5073

B

2

2 lakhs

9131

C

4

5 lakhs

22,210

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 company’s branches or get in touch with an agent to buy the plans required.

Bharti AXA Health Insurance - FAQs

  • Q1. What is the process for online purchase of Bharti AXA Health Insurance Policy?

    Ans: You need to visit the insurer’s 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.

  • Q2. How to avail reimbursement facility?

    Ans: 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.
  • Q3. Is there any age limit for buying Bharti AXA Health Insurance? Till what age are children covered under this policy?

    Ans: 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 child’s 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.

  • Q4. What is the minimum and maximum sum insured amount available under Bharti AXA Health Insurance Policy?

    Ans: The least amount of sum assured available under Bharti AXA Health Insurance Policy is Rs. 2 Lacs, while, the maximum is Rs. 5 Lacs.

  • Q5. Does Bharti AXA Health Insurance Policy cover the hospitalization expenses occurred abroad?

    Ans: No, Bharti AXA health insurance covers only for the hospitalization expenses incurred in India.

  • Q6. What is the process for availing the cashless hospitalization facility under Bharti AXA Health Insurance?

    Ans: 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.
  • Q7. How to renew Bharti AXA Health Insurance Policy post a year?

    Ans: In order to renew your Bharti AXA Health Insurance Policy you need to call the insurer’s customer support help desk number.

Written By: PolicyBazaar - Updated: 18 November 2019
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Bharti AXA Health Insurance Reviews & Rating

/ 5 (Based on Reviews)(Showing Newest 15 Reviews)
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Madhvan

Gautam_buddha_nagar, October 21, 2016
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Health Policy
Policy which i have is health insurance policy which is purchased from bharti axa general insurance company. Service is fast which is facilitated by the executives and the whole team members of the insurance company.
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Waqar

Calicut, October 05, 2016
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'Easy Claims'
Now claiming procedure is very easy because bharti axa general insurance provides the best service. The members of the company serve customer 24X7. Policy coverage is high and even ambulance is facilitate for free of charges.
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Omnath

Mathura, September 28, 2016
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Beneficial Product
The bharti axa general insurance policy facilitates wide range of policies. I took health insurance policy with maximum benefit in low investment. The service is fast and on time. Ambulance is also provided for free of any charges and large number of hospitals are working 24X7 for the customers and ...
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Parul

Gazole, August 26, 2016
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Bharti Axa insurance
Feeling great to have health insurance, it has many benefits including accidental death benefits. Policy cover's maximum expenditures of all cases. Services you provided bharti axa life insurance is perfect. Updates are send time to time to me about insurance policy.
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Deepu

Iswarpur, July 05, 2016
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Health is Wealth
The health insurance plan i have is good and the good paybacks are given by the company. Service provided is good and claiming become easy due to this. Good treatments, number of hospitals, ambulance facility which doesn't charge.
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Sumeet

Bangalore, June 24, 2016
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Average Health Plan
My health insurance plan is an average insurance policy. The premium is normal. Policy coverage is good. The number of hospitals are good but ambulance service is not free, It may take charges for the service. Service is manageable and online services is nice.
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Lakshay

Mumbai, May 27, 2016
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Perfect
I purchase bharti axa health insurance plan. The policy coverage is high and the claims are high too. Premium is low and paybacks are high. Service is good which facilitate by the executives. Good future investment which secure the health.
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Rahul

Pilani, May 27, 2016
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Good Policy Coverage
Bharti AXA health insurance plan. I bought the plan an year back when suggested by a colleague of mine. The plan offers some unique features which aren't included in others. I've had a nice experience with it and i highly recommend it. Premium is low and coverage is high.
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Tanmay

Ahmedabad, May 27, 2016
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Perfect Plan
I found bharti axa health insurance policy plan. The policy coverage is high and the claims are even better. Premium is low and paybacks are high. The ambulance is facilitate for free and large number of hospitals are working with this plan to fast service.
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Jiten

Hyderabad, May 27, 2016
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Fantastic Plan
I have bharti axa health insurance plan which facilitate many benefits like low premium, Policy coverage is high ~89%. Claims are high and easy to sanctioned because of fast service provided by the executives and staff. Ambulance gives pick and drop service for free. Good future investment, I like t...
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Dinesh

Meerut, May 27, 2016
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Damn Good
Bharti axa health insurance plan is one of the best among all. Premium is low and the policy coverage is high and claims are even better. Claiming is easy due to fast service facilitate by the executives and staff. Ambulance is facilitate for free.
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Abhishek

Faridabad, May 27, 2016
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Good Service
I purchase bharti axa health insurance plan. The policy coverage is high and the premium is low. Service facilitate by the executive and staff members is really very fast on time. Large number of hospital are there for 24X7 service. Ambulance is facilitate for free.
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Garima

Delhi, February 16, 2016
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"Nice Policy Plan"
Bharti axa general health insurance policy plan i got. The plan has 80% policy coverage and the claim is Rs.7000. Ambulance provided and it is free. Number of hospitals are facilitate to serve the customers. Plan Name: SmartHealth Basic Agent Code: BPW01735
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Swathi

Mumbai, February 16, 2016
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Perfect plan...
I own bharti axa health insurance policy plan. The plan is full of benefits like policy coverage and claim amounts. The service is the best in respect to other insurers. Investment is low and returns high with ambulance facility without taking any charges. Plan Name: SmartHealth Basic Agent Co...
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Shivul

Bengaluru, February 08, 2016
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"Damn Good Policy"
I have health plan with axa insurance. The claim ~Rs.25 lakh and policy coverage is 90%. The service is fast and ambulance is facilitate for free. Hospitals are providing great service with nice treatment. Plan Name: SmartHealth Optimum Agent Code: BPW01853

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