COCOCure Health Insurance vs Bharti AXA Health Insurance

Up till now, only 1.3% of India’s population has received the COVID-19 vaccine. Despite the urgency of the situation, there is a shortage of vaccines in almost every state. If you are one of the people who are not yet eligible for the vaccine, you might need medical care if you happen to contract the COVID-19 virus. While the state governments have imposed price caps on private hospitals for COVID-19 treatment, it is better to avoid the chance of draining your finances and getting health insurance to cover you for the same. In fact, health insurance not only covers COVID-19 but various other health eventualities. Check this comparison guide of COCOCure Health Insurance and Bharti AXA Health Insurance to know more. 

COCOCure Health Insurance vs Bharti AXA Health Insurance – Overview 

ParameterCOCOCure Health InsuranceBharti AXA Health Insurance
No. of health insurance policies87
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches17135
Claim settlement ratio97%98.27%
Cashless claim settlement time 24-48 hours6 hours
Hospital network5,000+4,500+

*Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – for the years 2019-20.

Health Insurance Policies: COCOCure Health Insurance vs Bharti AXA Health Insurance

COCOCure Health Insurance and Bharti AXA Health Insurance might offer only a handful of health insurance policies but they pack a punch of insurance protection in them. The two insurers also have a high claim settlement ratio – above 95% – a metric of their excellent claim paying abilities and dedication to their customers. 

Critical Illness Policy: 

COCOCure covers critical illnesses in its Navi Health Policy that offers: 

  • Sums insured (SI) up to Rs. 10,00,000 for critical illnesses 
  • 100% lump-sum payout of the SI on the diagnosis of a listed critical illness. The critical illnesses are 11 in number and include: 
  • Cancer
  • Stroke (resulting in permanent symptoms)
  • Kidney failure (requiring regular dialysis)
  • Third-degree burns
  • Permanent paralysis of limbs
  • A second medical opinion 

Bharti AXA covers critical illnesses in two of its health insurance policies: 

  • Smart Health
  • Smart Super Health Assure 

These policies offer: 

  • SI up to Rs. 4,00,000
  • 100% lump-sum payout of the SI on the diagnosis of a listed critical illness. The critical illnesses are 20 in number and include: 
  • Cancer
  • Kidney failure 
  • Major burns
  • Bacterial meningitis 
  • End-stage lung disease
  • End-stage liver disease 

Family Floater Policy: 

COCOCure’s Family Floater Policy called Navi Health/Cococure offers: 

  • SI up to Rs. 1,00,00,000
  • Coverage for:
  • Pre and post-hospital care
  • In-patient hospital care 
  • AYUSH treatments that are:
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Domiciliary hospital care
  • Daycare procedures
  • Organ donor expenses 
  • Advanced treatments
  • Mental illnesses 
  • HIV/ AIDS treatment 
  • Maternity and newborn baby needs 
  • 6 vector-borne diseases 
  • Bariatric surgery for weight-loss 
  • 5 counselling sessions 
  • Road ambulance charges

Bharti AXA offers 3 family floaters policies: 

  • Smart Super Health 
  • Smart Health Assure
  • Health Advantage 

These policies offer: 

  • SI up to Rs. 1,00,00,000
  • Coverage for
  • Pre and post-hospital care
  • In-patient hospital care
  • Domiciliary hospital care
  • In-patient physiotherapy
  • Home nursing expenses 
  • Daycare procedures
  • Organ donor expenses
  • AYUSH treatments 
  • Accidental death and hospitalization 
  • Maternity and newborn baby needs 
  • OPD treatment expenses 
  • Vaccination expenses needed due to an animal bite
  • Dental treatment needed due to an accident/injury  
  • Bariatric surgery for weight-loss 
  • Congenital diseases
  • Genetic disorders 
  • Road and air ambulance charges 

Arogya Sanjeevani Policy: 

The Arogya Sanjeevani Policy is a standard health insurance policy that all insurers, including COCOCure Health Insurance and Bharti AXA Health Insurance, offer across India. The insurance policy is part of the IRDAIs program to make health insurance affordable irrespective of gender, residence, educational qualifications or job background.  

The Arogya Sanjeevani Policy offers: 

  • SI up to Rs. 5,00,000
  • Coverage for
  • Pre and post-hospital care
  • In-patient hospital care
  • Domiciliary hospital care
  • Daycare procedures
  • Cataract treatment 
  • Organ donor expenses
  • AYUSH treatments 
  • Ambulance charges
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