Simple, yet comprehensive; this defines Bharti AXA's Smart Personal Accident - Individual Insurance Policy. It extends financial protection to you and your family in the event of disability or death caused by accidental injury.

The Smart policy benefits The policy covers the consequences of an accident, such as:

• Accidental death including transportation of mortal remains, funeral expenses and education grant for children
• Permanent total disablement
• Permanent partial disablement
• Temporary total disablement
• Hospital daily cash allowance
• Accidental medical expenses
• Double indemnity death or permanent total disablement, while traveling as a passenger in a public transport
• Legal expenses

There are seven plans under the Smart PA policy for you to choose from. They are:

1. Smart PA Basic
2. Smart PA Regular
3. Smart PA Standard without medical expenses cover
4. Smart PA Standard with medical expenses cover
5. Smart PA Silver (applicable if the minimum monthly income is Rs. 20,000 and for Occupation groups I & II)
6. Smart PA Gold (applicable if the minimum monthly income is Rs. 40,000 and for Occupation groups I & II)
7. Smart PA Superior

Sum insured under sections 1, 2 and 3 will automatically increase by 5% during the renewal policy for each claim-free year, or if renewed without a break. The earned cumulative bonus will not be lost if the policy is renewed within 30 days after its expiry.

Occupation GROUP I

Accountants, doctors, advocates, architects, consulting engineers, teachers, bankers, persons engaged in administrative functions, owners of small businesses which do not deal in hazardous goods or involve manual labor.

Occupation GROUP II

Builders, contractors and engineers engaged in superintending functions only, veterinary doctors, paid drivers of motor cars & light motor vehicles and persons not engaged in manual labor.

All persons engaged in manual labor(except those falling under Group III), cash-carrying employees, garage and motor mechanics, machine operators, drivers of trucks and lorries and other heavy vehicles, professional athletes and sportsmen, wood-working machinists.

Occupation GROUP III

Persons working in underground mines, explosives, magazines, workers involved in electrical installation with high-tension supply, demolition workers, jockeys, circus personnel, persons engaged in activities such as racing on wheels or on horseback, big game hunting, mountaineering, winter sports, skiing, ice hockey, ballooning, hand gliding, river rafting, polo.

Occupation GROUP IV

Persons working in police force, armed forces, nuclear power stations, persons not sound of mind and mentally challenged persons, visually challenged persons, persons who are part of air crew and ship crew and persons who are actively affiliated with political organizations.

Any person who is a resident of India and in the age group of 18 to 70 years is eligible to apply for this policy.

Some of the major exclusions under the policy are given below. This policy does not cover any claim arising out of:

• Any pre-existing disability / accidental injury
• Pregnancy or childbirth
• Self-injury, suicide or attempted suicide
• Influence of liquor or drugs
• Venereal disease, AIDS or insanity
• War and nuclear risks, terrorism, criminal acts, etc

This is not an exhaustive list. For a detailed list of exclusions, please read our policy terms and conditions.

For further sales related query, please contact us on sales@bharti-axagi.co.in mentioning your insurance requirement and city of residence.