Bharti AXA Parental Health Insurance (formerly ICICI Lombard)

Parents are well-covered by Bharti AXA’s Smart Super Parental Health Insurance Plan. This plan’s coverage includes a variety of health-related services and perks. This policy’s entrance age spans from 18 years old to 65 years old. This enables parents of various ages to enroll in the scheme. The plan is offered as a family floater option as well as an individual option. Additionally, the maternity benefit may be included later on in the coverage.

Key Elements of Parents Health Insurance

  • Amount insured up to Rs. 1 billion
  • Entry age is 18 to 65 years old, with pre- and post-hospitalization stays of between 60 and 90 days.
  • Tax benefits under section 80D are up to Rs. 55,000.
  • Outpatient emergency care is accessible.
  • The possibility of a 100% restoration of the sum insured
  • Rent expenses are subject to zero limiting, and policyholders are eligible for a no-claims bonus.

Duration of Coverage

  • Annual coverage for physicals
  • The domestic air ambulance alternative
  • There is coverage for organ donors.
  • Coverage for daycare costs up to the insured amount
  • The cost of an emergency surface ambulance is covered.
  • Hospitalization at home is covered by the plan.
  • Offered as a lump sum for the treatment of serious disease
  • Covering options include Ayurveda, homoeopathy, etc.


Between the ages of 18 and 65, individuals may acquire the Smart Super Health Insurance Plan.


  • Injuries brought on by conflict, invasion, riots, etc.
  • HIV infection, AIDS, or another sexually transmitted illness
  • Illness or harm brought on by misuse or addiction to drugs or alcohol
  • Stress, anxiety, sadness, and other mental health issues.
  • Save for injuries sustained accidentally, plastic or cosmetic surgery

What is Bharti Axa Health Insurance

Customers can tailor a variety of health insurance plans from Bharati AXA Health Insurance Company to the policyholder through riders. The business offers cashless healthcare as well as other perks and has a large network of hospitals.

Bharti’s ICICI Lombard General Insurance AXA General Insurance Company Ltd. is a partnership between India-based Bharti Enterprises and AXA, a leading provider of financial security on a global scale. Bharti owns 51% of the joint venture company, and the AXA Group owns 49% of it. The company launched its nationwide operations in August 2008, and as of right now, it has 59 branch offices spread all over the nation. It is the first company in the general insurance sector to hold dual ISO 9001:2008 and ISO 27001:2005 certifications.

Why you Choose Bharti AXA Health Insurance

Known for offering reliable insurance products, such as health insurance, Bharti AXA General Insurance Company Ltd. is a strategic joint venture between Bharti Enterprises (74%) and AXA (26%). The former is a well-known and one of India’s top corporate conglomerates, whilst the latter is a world authority in wealth management and financial security. began operations in India in August 2008 and now has 59 corporate branch offices spread out across the nation. It also holds the distinction of being the first company in the highly competitive Indian general insurance market to be awarded the ISO 9001:2008 and ISO 27001:2005 certifications within the first year of business. A noteworthy accomplishment that demonstrates Bharti AXA’s dedication to quality and client relationships

Health Insurance plans for Bharti AXA general insurance.

  • The various health insurance plans offered by Bharti AXA are created with the diverse clients’ insurance needs in mind. Here are a few of the health insurance plans that Bharti AXA provides:
  • Smart Health Insurance Plan from Bharti Axa
  • AXA Smart Super Health Insurance Policy from Bharti
  • Plan for Personal Accident Insurance Discount on renewal of 5% to 25% for each year of no claims.
  • After each block of four claim-free years, the cost of a health checkup under Section 80D of the Income Tax Act of 1961.nce through Bharti AXA Smart Group
  • Let’s examine some of the core components of all these plans in more detail and consider how they contribute to the advantages they provide.

Bharti AXA Smart Health Insurance Policy: With this insurance plan, you are protected from all costs associated with being hospitalised. A few very advantageous aspects of the policy include tax exemption on premium payments, renewal discounts ranging from 5% to 25% for each year without a claim in a row, and cost-free health exams every four years. The details of this health insurance plan from Bharti AXA are listed in full here. –

Coverage of Bharati AXA Parental Health Insurance

  • When a 24-hour hospital stay is not necessary, day care services are provided up to the insured amount.
  • Hospitalization at home where care and treatment are provided, up to 10% of the total amount insured
  • Critical illness cover for illnesses like cancer, coma etc.
  • Hospitalization Expenses, pre-hospitalisation expenses for 30-40 days before hospitalisation, and post-hospitalisation expenses for 60 days post the date of discharge.
  • Pre-existing disorders; all diseases that include symptoms or conditions existing when the policy was availed for the first time, after four continuous policy renewals
  • Organ transplantation
  • Hospital cash compensation (will vary as per the sum insured opted for)
  • Nursing at home (available for specific sum insured amounts)
  • Emergency Room Fees

Benefits of Bharati AXA Parental Health Insurance

• Renewal discount ranging from 5% – 25% for each claim-free policy year

• Income Tax Benefit under Section 80D of the Income Tax Act, 1961

• Cost of Health Check-up after every block of four claim-free years

Bharti AXA Smart Health Critical Illness Insurance: As the name already suggests, the main goal of this insurance programme from Bharti AXA is to protect policyholders against all types of critical illnesses. The Bharti Axa Smart Health Critical Illness Insurance programme seeks to help you by protecting you against costs that you might have to pay after receiving a critical illness diagnosis. Benefits under this policy may be paid out as a lump sum or on an indemnity basis. The key features of this Bharti AXA health insurance plan are summarised in the table below.


Hospitalization, in-patient care, pre-hospitalization costs (60 days), post-hospitalization costs (90 days), organ donation costs, day care treatments, AYUSH therapies, and domiciliary hospitalisation are all covered by the policy.

After the coverage has run its course, up to 100% of the sum insured value may be recovered.

Ambulance fees up to Rs.3,000 per event will be reimbursed

Depending on the plan type chosen, the convalescence benefit, outpatient emergency care, outpatient dental emergency, etc. will be covered.

Hospital Cash Allowance, Maternity Benefit, and other optional add-ons are available for purchase.

Upon the discovery of catastrophic illnesses, a lump sum compensation will be provided.


No-claim incentive available up to 100% of the insured amount

The insured is entitled to annual health examinations.

There is no cap on the costs associated with paying for a room.

According to their demands, policy purchasers can select an insurance sum between Rs. 5 lakh and Rs. 1 crore.

Incidents Included in the Policy’s Inclusions:

  • Conditions that do not require a hospital stay longer than 24 hours, such as dialysis, chemotherapy, eye surgery, lithotripsy, or any other similar conditions. These are considered “Day Care Treatments” as provided by a hospital.
  • A condition or accident that requires more than three days of domiciliary hospitalisation (at-home medical care and rest).
  • First heart attack, cancer, coronary artery disease and bypass surgery, kidney failure, liver failure, bacterial meningitis, terminal illness, stroke, major organ or bone marrow transplant, multiple sclerosis (MS), fulminant hepatitis, coma, major burns, motor neurone disease, primary pulmonary hypertension, heart valve surgery, surgery to the aorta, and aplastic anaemia are among the critical illnesses listed here.
  • Exclusions* The costs associated with hospitalisation due to diseases or illnesses contracted within 30 days of the policy’s start date. Please take note that this clause will not apply to any subsequent policy renewals.
  • In the first two years following the moment of inception, the following medical problems are not covered by the policy:
  • laser surgery or cataract surgery.
  • Diagnosis and curettage.
  • Joint replacements, unless the harm was accidental.
  • Dialysis is necessary due to persistent renal insufficiency.
  • Myomectomy and hysterectomy, unless cancer is present.
  • Circumcision, sex changes, or similar procedures.
  • Dental treatments.
  • Haemorrhoids/piles, Hydrocele, fistula in the antrum, sinusitis
  • Birth control, hormone replacement therapy, Caesarean sections, and operations connected to conception or fertility are all procedures related to birth, pregnancy, and fertility.
  • Ulcers and erosions in the stomach and duodenum.
  • illnesses connected to the acquired immune deficiency syndrome (AIDS).
  • Routinely checking your ears and eyes. the eventual price of eyewear.
  • All skin conditions, internal tumours, cysts, nodules, polyps, and breast lumps (unless determined to be malignant) are excluded. *Note: This is a general list of exclusions, and may differ between products. Exclusions will vary depending on the type of plan and are subject to the terms and conditions of the insurer.

Bharti AXA Health Insurance’s additional benefits include:

Renewal Savings: On the progressive scale, you receive a 5% discount on the succeeding renewal premium for each year without a claim, up to a maximum of 25%.

Tax Benefits: In accordance with Section 80(D) of the Income Tax Act, premium payments are eligible for income tax benefits.

Health Checkups: After a specified amount of time has passed, policyholders of some of the insurer’s health insurance plans are eligible to receive health checkups.

Pre-Policy Health Check Up: The firm will cover the costs of a pre-policy health checkup, up to the limits outlined in the policy booklet, if you are obliged to have one before the policy is authorised. However, if your policy is rejected, the cost of the aforementioned examination will be deducted before your premium refund.

No Obligations Attached Free-Look Period. You have 15 days from the date you purchased the policy to cancel it if you are not satisfied with the terms and conditions outlined therein. Your premium will be returned to you in this situation after deducting any costs for medical check-ups or stamp duty fees. For subsequent policy renewals, this choice is not available.

Policy Servicing: A Third Party Administrator (TPA) selected to handle the purchased health insurance policy will be in charge of offering, among other things, a cashless facility for hospitalisation in network hospitals.

Costs of Medical Exams: If the proposal is approved, the company will cover up to 50% of the price of any medical exams the insured person has at a specific hospital or diagnostic centre. If the present policy has been maintained without any lapses in the payment of policy premiums, the insured may switch to a new health insurance policy at the time of renewal.

Bharti AXA General Insurance Customer Care: As one of India’s top general insurers, Bharti AXA General Insurance currently provides more than 50 products for the retail, business, and rural markets. Following a collaboration between Bharti Enterprises of India and AXA Business Group, the company was established. Among other insurance products, the company presently offers two-wheeler insurance, auto insurance, health insurance, third-party motor liability insurance, and travel insurance.

Bharti AXA is renowned for providing outstanding customer care to all of its clients in addition to providing well-appointed insurance solutions. The business has set up a dedicated customer care phone helpline where individuals may call the agents with questions and concerns about policies.

Both current Bharti AXA clients and others who are interested in learning more about the company’s policies may call these hotline numbers. For various forms of policy-related inquiries, such as the purchase of insurance, renewal of insurance, registering a complaint, and making a claim, there are dedicated helplines set up. Customers may also email Bharti AXA’s customer service representatives or visit the company website to learn more. Customers can contact the company’s customer care team by writing to the registered address in addition to the online network.

Bharti AXA Smart Health Critical Illness Insurance: As the name already suggests, the main goal of this insurance programme from Bharti AXA is to protect policyholders against all types of critical illnesses. The Bharti Axa Smart Health Critical Illness Insurance programme seeks to help you by protecting you against costs that you might have to pay after receiving a critical illness diagnosis. Benefits under this policy may be paid out as a lump sum or on an indemnity basis. The key features of this Bharti AXA health insurance plan are summarised in the table below.


1. Cancer

2. First heart attack

3. Coronary artery disease

4. Coronary artery bypass surgery

5. Heart valve surgery

6. Surgery to aorta

7. Stroke

8. Kidney failure

9. Aplastic anaemia

10. End stage lung disease

11. End stage liver failure

12. Coma

13. Major burns

14. Organ/bone marrow transplantation

15. Multiple sclerosis

16. Fulminant hepatitis

17. Motor neurone disease

18. Primary pulmonary hypertension

19. Terminal illness

20. Bacterial meningitis

Standard benefits

• Hospitalization expenses

• Pre-hospitalization expenses

• Post-hospitalization expenses

• Dread disease recuperation

• Transplantation of organs

• Hospital cash allowance

• Home nursing

• Ambulance charges

• In-patient physiotherapy charges

• Recovery grant

• Accompanying person’s expenses

• Children education fund

• Mortal remains

Additional benefits

Family Floater, which allows you to select a single insured amount for your entire family, is advantageous (comprising of four people)

Renewal of the Income Tax Benefit under Section 80D The policyholder is eligible to receive a discount of between 5% and 25% of the covered amount.

15-day free-look period

reimbursement for medical examination expenses

Health insurance coverage can be transferred.

Pre-existing conditions may be covered following a 4-year policy period.

Policyholders are given a 30-day grace period to renew their coverage.

Sum assured

Rs.2 lakh, Rs.3 lakh, and Rs.5 lakh. Sum insured can be enhanced only at the time of renewal.

How do I submit a claim to Bharti AXA?

The claim settlement process is simplified by Bharti AXA’s designated claims handler.

Visit one of the insurer’s network hospitals to make a cashless claim and receive treatment. Inform the insurer four days before your scheduled hospitalisation and within 24 hours of any unexpected hospitalisation.

Show your health card to the hospital assistance desk in the network.

The hospital will confirm your identify before sending the insurer’s Third-Party Administrator (TPA) a properly completed and signed pre-authorization request form.

A letter of approval will be sent to the network hospital by the TPA upon verification of the pre-authorization request.

For the insured member, the hospital will continue with the cashless procedure.

Reimbursement Claim: Within 48 hours of an emergency hospitalisation, inform the insurer if you were hospitalised at a non-network hospital.

Continue the therapy while paying the hospital fees. The discharge summary, prescription, medical bills, hospital bills, pharmacy bills, and other original documents should all be gathered.

Send the insurance a reimbursement claim form and the original medical records.

The claim amount will be given to the insured after 21 days of receiving the documents, pending successful verification and approval.

If the claim is rejected, a letter explaining the cause will be provided to the insured.

In conclusion, this offering from Bharti AXA Health Insurance is definitely worth a look. It is a thorough, complete, scalable, and robust health insurance policy. Bharti AXA has legitimately earned its reputation as one of the most progressive insurance firms in India because to a proven track record of claims settlements and ongoing changes in their method of operation.