It is a bad choice to go with bharti axa this time. once they will take at least 3 days time for the approval and afterwords comes with silly logic to not give approval. the decline reason in two running screeches are not allowed. They are completely making fool of their customer. Please dont opt for this company. they are not bothered about their brand name even. their staff is not having time to speak to your customer. There is completely no value to the customer at all.
This is the first year I did insurance with them and they proof they are not credible name to bank upon. please avoid such company and go for better option. Dont get into the trap of discount.