What is the eligibility criteria for Bharti AXA Arogya Sanjeevani policy?

The policy covers people aged between 91 days and 65 years. Age is calculated by considering the number of years until the last birthday.

What are the sum insured options available under Bharti AXA Arogya Sanjeevani policy?

Sum insured options available under Arogya Sanjeevani Policy, Bharti AXA General Insurance Company range between Rs. 1 Lakh and Rs. 5 Lakh, in multiples of 50,000.

What are the modern treatments covered under Bharti AXA Arogya Sanjeevani policy?

Arogya Sanjeevani Policy, Bharti Axa General Insurance Company covers the following modern treatments for up to 50% of the sum insured during a policy period: Balloon Sinuplasty Uterine Artery Embolization and High Intensity Focused Ultrasound Deep Brain Stimulation Robotic Surgeries Bronchial Thermoplasty Oral chemotherapy Intra Vitreal injections Stem Cell Therapy Vaporisation of the Prostrate Intra Operative Neuro Monitoring Stereotactic radio surgeries Immunotherapy

Is there any limit on expenses covered for Cataract treatment?

Expenses related to Cataract treatment are covered for up to 25% of the sum insured or Rs. 40,000 whichever is lower, for each eye during a policy period.

What is the general waiting period under Bharti AXA Arogya Sanjeevani policy?

The policyholders have to complete a general waiting period of 30 days to be able to enjoy benefits under this policy. The waiting period is calculated from the date of commencement of the policy. This waiting period shall not, however, be applied if you have continuous coverage for more than 12 months.

What is the waiting period for pre-existing diseases under Bharti AXA Arogya Sanjeevani policy?

The policy covers pre-existing diseases after 48 months of continuous coverage from the date of inception of the first policy.

Does the policy cover treatment for refractive error?

The policy does not cover expenses related to treatment for correction of eyesight due to refractive error less than 7.5 dioptres.

Will I get a refund if I cancel my Arogya Sanjeevani Policy, Bharti AXA General Insurance Company?

If you cancel your Arogya Sanjeevani Policy, Bharti AXA General Insurance Company by giving 15 days written notice, then the company shall refund the policy premium for the unexpired policy period at the following rates: Up to 30 days: 75% 31 to 90 days: 50% 3 to 6 months: 25% 6 to 12 months: 0%

Is there any free look period allowed under Bharti AXA Arogya Sanjeevani policy?

Yes. You will be allowed a free period of 15 days from the date of receipt of the policy to review the policy terms and conditions. You may return the policy if not suitable during this period subject to terms and conditions.

Can I get my sum insured changed during the policy period?

Yes. You may get the sum insured increased or decreased, but this facility is only at the time of renewal, or otherwise, subject to underwriting by the company. The waiting period shall start afresh in case you opt for an increase in the sum insured. This will be applicable only for the enhanced portion.

Bharti AXA Arogya Sanjeevani Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.10%
COVID-19 Cover	Yes
Network Hospitals	4,500+
Policies Sold	21,829
Renewability	Lifelong

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Bharti AXA Arogya Sanjeevani Policy Brochure

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Jun 17, 2020

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Bharti AXA (now ICICI Lombard) Health Insurance Plan List

Family (2)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Smart Health Insurance PlanMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Smart Health Essential PolicyMin: 91 days; Max: 65 years		Check Premium
Smart Super Health Assure PolicyMin: 91 days; Max: 65 years	1 Lakh - 4 Lakh	Check Premium
Micro SmartHealth Insurance PolicyMin: 91 days; Max: 80 years	10000; 20000	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50000 - 2.5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Smart Super Health PlanMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

Bharti AXA (now ICICI Lombard) Health Insurance Top Up List

Name of Plan	Sum Insured
Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years	5 Lakh	Check Premium

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

What is the eligibility criteria for Bharti AXA Arogya Sanjeevani policy?
The policy covers people aged between 91 days and 65 years. Age is calculated by considering the number of years until the last birthday.
What are the sum insured options available under Bharti AXA Arogya Sanjeevani policy?
Sum insured options available under Arogya Sanjeevani Policy, Bharti AXA General Insurance Company range between Rs. 1 Lakh and Rs. 5 Lakh, in multiples of 50,000.
What are the modern treatments covered under Bharti AXA Arogya Sanjeevani policy?
Arogya Sanjeevani Policy, Bharti Axa General Insurance Company covers the following modern treatments for up to 50% of the sum insured during a policy period:

Balloon Sinuplasty

Uterine Artery Embolization and High Intensity Focused Ultrasound

Deep Brain Stimulation

Robotic Surgeries

Bronchial Thermoplasty

Oral chemotherapy

Intra Vitreal injections

Stem Cell Therapy

Vaporisation of the Prostrate

Intra Operative Neuro Monitoring

Stereotactic radio surgeries

Immunotherapy
Is there any limit on expenses covered for Cataract treatment?
Expenses related to Cataract treatment are covered for up to 25% of the sum insured or Rs. 40,000 whichever is lower, for each eye during a policy period.
What is the general waiting period under Bharti AXA Arogya Sanjeevani policy?
The policyholders have to complete a general waiting period of 30 days to be able to enjoy benefits under this policy. The waiting period is calculated from the date of commencement of the policy. This waiting period shall not, however, be applied if you have continuous coverage for more than 12 months.
What is the waiting period for pre-existing diseases under Bharti AXA Arogya Sanjeevani policy?
The policy covers pre-existing diseases after 48 months of continuous coverage from the date of inception of the first policy.
Does the policy cover treatment for refractive error?
The policy does not cover expenses related to treatment for correction of eyesight due to refractive error less than 7.5 dioptres.
Will I get a refund if I cancel my Arogya Sanjeevani Policy, Bharti AXA General Insurance Company?
If you cancel your Arogya Sanjeevani Policy, Bharti AXA General Insurance Company by giving 15 days written notice, then the company shall refund the policy premium for the unexpired policy period at the following rates:

Up to 30 days: 75%

31 to 90 days: 50%

3 to 6 months: 25%

6 to 12 months: 0%
Is there any free look period allowed under Bharti AXA Arogya Sanjeevani policy?
Yes. You will be allowed a free period of 15 days from the date of receipt of the policy to review the policy terms and conditions. You may return the policy if not suitable during this period subject to terms and conditions.
Can I get my sum insured changed during the policy period?
Yes. You may get the sum insured increased or decreased, but this facility is only at the time of renewal, or otherwise, subject to underwriting by the company. The waiting period shall start afresh in case you opt for an increase in the sum insured. This will be applicable only for the enhanced portion.

View More Questions

Claim Process at Bharti AXA (now ICICI Lombard) Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Bharti AXA (now ICICI Lombard) Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Bharti AXA (now ICICI Lombard) Health Insurance
18001024444Mon to Sat 9 AM to 7 PM
service@bharti-axalife.com