Bharti Axa Health Insurance
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.
Bharti Axa Health insurance plans
Smart Super Health Assure
Bharti Axa's Smart Super Health Assure policy might only offer you a cover totalling 1-4 lakhs. But make no mistake, it offers pretty extensive coverage. It has decent benefits. It doesn't include any absurd conditions and perhaps the only downside is that 4 lakhs might not be enough if you are seeking comprehensive protection
Smart Super Top-up
Bharti Axa Health insurance claim process
Bharti Axa Health Insurance 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:
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
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.
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.
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Bharti Axa Customer Care
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