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Bharti Axa

Bharti Axa is a joint venture led by two giant conglomerates, Bharti Enterprises and one of the biggest insurance companies in the world AXA, having a longstanding experience of over 200 years. They offer insurance across segments like Health, Motor, Travel, SME, Home, etc. Among Health, they have two policies with cover ranging from 1 lakh to 1 crore, providing good benefits like Health check-ups and OPD as well.

Claim Settlement Ratio - 85
 (average of last 3 years)
Network Hospitals - 4500+

Bharti Axa Health insurance plans

Bharti Axa Health insurance claim process

Bharti Axa claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Bharti Axa's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:

Cashless Claims

Inform the Hospital Desk

All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization

Insurer’s decision

Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later


If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.

Reimbursement Claims

Inform the insurance company

For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.


You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.

File the claim

Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.

Insurer’s decision

Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.

Bharti Axa Health Insurance Renewal

Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.

However, in case you choose to do it on your own, here’s what you need to do:

Visit the website

Visit the Bharti Axa website and then go to the Renewal section here.

Enter details

You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.

Review and edit the policy details

Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.

Complete the payment and it’s done

Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.

Few things to consider when renewing your Bharti Axa health insurance policy

  1. If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
  2. If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
  3. If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.

Customer Reviews

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Good Claim Settlement

I had filed a claim with Bharti Axa for my mother as she was hospitalized for a couple of weeks. I contacted the customer service of Bharti Axa and presented them with all the necessary documents. They started the processing right off the bat and settled my claim within 3 working days. Very responsive team.


Bharti Axa’s policies were a perfect fit for me and I had no problem buying the plan too. The step-by-step online purchasing process makes it very simple for anyone to compare and buy policies.

Value for Money

I graduated last year and was looking to buy health insurance for myself and my family since a while now. I came across Ditto Insurance via Finshots newsletter. They have an amazing team of advisors who provide the guidance, which is exactly what I needed. And now I have a policy from Bharti Axa which is quite comprehensive.

Bharti Axa Customer Care




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