About Bharti AXA General Insurance

 

IRDAI Registration No.139 |
CIN-U66030KA2007PLC043362

Bharti AXA General Insurance Company Ltd is a joint venture between Bharti Enterprises, a leading Indian business group and AXA , a world leader in financial protection. Our firm commenced national operations in August 2008. We are licensed with IRDAI (Insurance Regulatory and Development Authority of India). With our comprehensive and innovative insurance solutions, we make sure you find the right match for your insurance need. We offer insurance coverage across various categories – Motor,Health ,Travel , Home,student travel and more. You can easily purchase and renew policies from us online.

The Bharti AXA Advantage

Wondering what makes us different from the rest? It's our unique expertise in serving customers. We aren't kidding. Check out why everyone loves to count on us.

9.8 Million Policies issued
1.3 Million Claims settled
79 Branch Offices across India
2500+ Cashless garages in India
PAN India Network Hospital
24/7 AXA Assistance Worldwide

Our Offerings

Choosing to invest in insurance is a good decision. And choosing to invest with us is even better. Our products have been crafted to match your specific insurance needs.

CAR INSURANCE
TWO-WHEELER INSURANCE
HEALTH INSURANCE
TRAVEL INSURANCE
CRITICAL ILLNESS
PERSONAL ACCIDENT

Awards & Recognitions

Over the years, our constant efforts and innovations has been honoured with a string of prestigious awards and recognitions. We are proud of it and continue to focus on being your number one choice.


Front Page products

Car Insurance – Things to Know

You care for your dear car. We care for you and your car. With car insurance, get a perfect blend of affordable premium and wholesome coverage.

  • Attractive Discounts on Premiums
  • Hassle-free claim settlement with 2500+ Cashless garages
  • Recommended Add-ons for extended wholesome coverage
  • 24/7 Claim Assistance & strong customer support

Types of Car Insurance Plans

Given the unpredictable nature of life,  Vehicle insurance is a necessity. For the annual premium that you pay us, we pay for your car’s repair expenses in case of a valid claim. You can  buy car insurance online from two types of plans.

Comprehensive Car Insurance

Coverage for you, your damaged/stolen car, as well third-party liability

Third-Party Liability Insurance

Coverage for only third-party injuries as well as their damaged property

Love at First Try with Bharti AXA Car Insurance

It’s all about finding a compatible partner to assist your car in every journey. And we’ve raised the bar in being your  Vehicle’s ideal insurance companion. Here’s how.

 

3.5 Million Policies issued

 

2500+ Cashless garages in India

 

24/7 Claim Assistance

 

79 Branches across India

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Shop Online - The Easy way

We’ve made our online car insurance shopping process smoother than cheesecake. And you’re going to love it. Don’t believe us? Check out the steps.

Step

01

Choose to renew or buy car insurance.

Step

02

Enter vehicle details and personal details.

Step

03

Select add-ons and discounts to get final premium.

Step

04

Add complete details and check the summary. Make payment.

Step

05

Policy is sent in PDF to your mailbox.

Note: Before issuance of policy, vehicle inspection may or may not be conducted depending on the credibility of your vehicle and your driving records.

Frequently Asked Questions (FAQs)

  • Car Insurance after GST

Goods and Services Tax, popularly known as GST, is a reform for our economy’s indirect tax plan. Car insurance premium includes 15 percent as the service tax. It will be increased to 18 percent after GST 

  • Is it possible to opt for an add-on without a policy?

No, it is not possible to opt for an add-on without a policy. Our add-ons are available only in addition to our motor insurance policy.

Two-Wheeler Insurance – Things to Know

Bike rides are a delightful experience. We agree. But the experience only gets safer with a power-packed two-wheeler insurance plan.

  • Covers financial losses due to damaged/stolen bike
  • Hassle-free claim settlement with 2500+ Cashless garages
  • Discounts on Premiums with No-Claim Bonus
  • 24/7 Claim Assistance & strong customer support

Types of Two-Wheeler Insurance Plans

Your bike is an extension of your personality. It deserves to be protected as well. For a minuscule premium that you pay us, we vow to compensate you in case of a valid claim. You can choose from two types of plans.

Third-Party Liability Insurance

Coverage for only third-party injuries as well as their damaged property

Comprehensive Two-Wheeler Insurance

Coverage for you, your damaged/stolen bike, as well third-party liability

Love at First Try with Bharti AXA Two Wheeler Insurance

Your bike has been your buddy through all your journeys. Similarly, we’ll be your bike’s ideal insurance companion in protecting it all times. Here’s how we do it.

 

4.2 Million Policies issued

 

79 Branches across India

 

2500+ Cashless garages in India

 

24/7 Claim Assistance

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Shop Online - The Easy way

Hey! Our online bike insurance shopping process is easy as pie. Has anyone told you that before? If not, see it to believe it.  

Step

01

Choose to renew or buy bike insurance.

Step

02

Enter vehicle details and personal details.

Step

03

Select add-ons and discounts to get final premium.

Step

04

Add complete details and check the summary. Make payment.

Step

05

Policy is sent in PDF to your mailbox.

Note:Before issuance of policy, vehicle inspection may or may not be conducted depending on the credibility of your vehicle and your driving records.

Frequently Asked Questions (FAQs)

  • Can I pay two-wheeler insurance premium in instalments?

As per section VB64 of Insurance Act, 1938 no risk can be resumed unless premium is received in advance. Hence, full vehicle insurance premium needs to be collected before the start of policy.

  • Is my No Claim Bonus (NCB) transferable?

Yes, in case you are changing from any other insurance company to Bharti AXA GIC Ltd. and have accrued some NCB from them, you can get the same transferred in case your two-wheeler is insured within 90 days of your renewal due date.

Health Insurance by Bharti AXA - A Snapshot

With health insurance, you and your family are medically covered at an affordable premium.

 

FLEXIBLE PLANS

Comprehensive Range of Medical Cover up to Rs. 1 Cr

 

TAX SAVINGS

Up to Rs. 55,000 tax-savings under Section 80D

 

CASHLESS CLAIMS

Cashless Hospitalization across 4500+ Network Hospitals

 

DEDICATED CLAIMS

24/7 Claim Assistance

Our Two Major Health Insurance Plans

You just can’t compromise on medical insurance. That’s why you need to choose the right coverage to stay protected against health emergencies. Here’s a gist of both the coverages.

Smart Super Health Insurance Policy

Wide Coverage from Rs. 5 Lakh to Rs. 1 Cr.

No capping on room rent

Pre and Post-Hospitalization of 60 days and 90 days

Restoration of Sum Insured up to 100%

Maternity Benefit with 9 month waiting Period for policies of 3 year Premium paying term

No-Claim Bonus up to 100% of Sum Insured

Annual Health Check-Up

Organ Donor expenses covered up to Sum Insured

Option to choose for Critical Illness Cover/Hospital Cash

Smart Health Insurance Policy

Coverage up Rs. 5 Lakh

Renewal Discount of 5% up to 25% on no claims made

Inbuilt Critical Illness Cover

Dread disease Recuperation Benefit in case of critical illness.

The Smart Health Insurance Policy from Bharti AXA is one of the most comprehensive medical insurance plan  that is designed to protect you and your family.

Smart Health Zone

Your health means a lot to you, isn’t it? That’s why, we have created a perfect and unique learning space just for you. Head over to know how you can take good care of your health and suitably insure it..

Love at First Try with Bharti AXA Health Insurance

Adopting a healthy lifestyle is in your hands. But, there are some things in life that are beyond your control. And for that, we can be the ideal companion to your financial health.

 

1.3 Million Policies issued

 

PAN India Cashless Network Hospital

 

98.27% Claim-Settlement Ratio

 

79 Branches across India

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Get Your Health Policy in 3 Steps

Your health insurance policy will have reached your inbox even before you blink. Seriously. Our online shopping process is that quick and easy. Check out the steps.

Step

01

Select a suitable plan

Step

02

Fill details & make the payment

Step

03

Get the policy in your mailbox

Note: For sum insured more than Rs. 2 lakhs, no medical test required if your age is less than 46 years. For sum insured = Rs. 2 lakhs, no medical test required if your age is less than 56 years. Subject to that, you don’t suffer from any pre-existing medical conditions.

Frequently Asked Questions (FAQs)

  • My employer already covers all medical bills for my family and me. Do I still need Health Insurance?

The medical insurance cover provided by your employer is available to you only as long as you are an employee of the company. Moreover, the sum insured under your employer's medical policy may not be adequate for your needs. Hence it would be advisable to go for a separate health insurance policy.

  • Can parents be covered under my Health insurance policy?

We cover self, spouse and two dependent children under the age of 21 years under one policy.

Critical Illness Insurance – A Snapshot

Life doesn’t follow a fixed plan. However, a critical illness insurance plan equips you to financially handle serious health conditions that life may throw at you.           

  • Coverage from almost 20 Critical Illnesses
  • Easy claim-settlement with 4300+ Cashless Hospitals in India
  • Maximum tax savings up to Rs. 15,000 under Section 80D
  • 24/7 Claim Assistance & strong customer support

Types of Critical Illness Insurance Plans

Saving your life should not take away all your life savings. That’s why for an annual premium that you pay us, we compensate for your medical expenses related to critical illnesses. We offer the following plan.

Bharti AXA Smart Health Critical Illness insurance plan

Enjoy a lump sum benefit of up to Rs. 5 lakhs. You can choose sum insurance ranging from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh. The compensation takes care of hospitalization as well as daily expenses for 20 critical illnesses that are amongst the highest in the country.

Love at First Try with Bharti AXA Critical Illness Insurance

Tough times need a tough friend who will never leave your side. And our critical illness insurance is that ideal companion who can truly handle your financial burden.

 

24/7 Claims Assistance

 

79 Branches across India

 

+4300 PAN India Cashless Network Hospital

 

98.27% Claim-Settlement Ratio

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Shop Online - The Easy way

Your critical illness insurance policy will reach your inbox in a jiffy! That’s true! Our online shopping process is that quick easy. Check out the steps.

Step

01

Choose to renew or buy Critical Illness insurance.

Step

02

Enter personal details & answer few eligibility criteria questions.

Step

03

Select recommended plan and get total premium.

Step

04

Add complete details and check the summary. Make payment.

Step

05

Policy is sent in PDF to your mailbox.

Frequently Asked Questions (FAQs)

  • Does Bharti AXA critical illness policy cover my family members as well?

The policy can be issued on a Floater Basis covering the family members of the insured comprising the insured, spouse and two dependent children (all members should be within the age group of 5 to 55 years). All members of the family (Self, spouse, and the two kids) can be covered under one single policy.

  • I am still young; do I still need critical illness cover?

Critical illnesses can occur to young people as well. It often comes unexpectedly. In the recent scenario, rising occurrences of diseases like diabetes and blood pressure has been observed in people who are in the age group between 30 and 40. So, irrespective of the age group, it is always recommended to be insured with a critical illness cover.

Personal Accident Insurance – A Snapshot

A major accident can suddenly disrupt your entire life. Why let your financial situation take a beating? It’s better to stay protected with personal accident insurance.

  • Maximum sum insured up to Rs. 30 lakh
  • Accidental death and permanent total/partial disability is covered
  • Get Smart cumulative bonus of sum insured on claim-free years
  • 24/7 Claim Assistance & strong customer support

Types of Personal Accident Insurance Plans

One unfortunate incident in your life can haunt your financial well-being. Don’t let that happen. With a small annual premium from your end, we compensate your personal accident related expenses. We offer the following plan.

Bharti AXA smart personal accident insurance plan

You can choose sum insurance ranging from Rs. 10 lakh, Rs. 20 lakh and Rs. 30 lakh. Depending on the sum insured you choose, the compensation takes care of accidental death, permanent total disability, permanent partial disability, double indemnity benefit and hospital cash.

Love at First Try with Bharti AXA Personal Accident Insurance

When life throws you off guard, you do need someone to pull you up. Our personal accident insurance plan is the perfect companion to financially hold you in such times.

 

2.6 Million Policies issued

 

PAN India Cashless Network Hospital

 

98.27% Claim-Settlement Ratio

 

79 Branches across India

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Shop Online - The Easy way

Your personal accident insurance policy will reach your inbox in no time! Really. Our online shopping process is that quick and easy. Check out the steps.

Step

01

Choose to renew or buy personal accident insurance.

Step

02

Enter personal details & answer few eligibility criteria questions.

Step

03

Select add-ons and discounts to get final premium.

Step

04

Add complete details and check the summary. Make payment.

Step

05

Policy is sent in PDF to your mailbox.

 

Frequently Asked Questions (FAQs)

  • What are the benefits of having Personal Accident insurance policy?

The benefits include Accidental death, Permanent Total Disablement, Permanent Partial Disablement, Double Indemnity for Accidental Death or Permanent Total Disability while travelling as a passenger in a public conveyance and Hospital Daily Cash. Hospital cash and Double indemnity is covered only on Rs. 30 lacs sum insured plans.

  • Who is covered under this policy?

This policy covers the insured in whose name the policy is taken. Each policy covers one earning member between the age of 18-65 years.

Travel Insurance – A Snapshot

Whether it’s a flying abroad for higher studies or long vacations, travelling makes you happy. Now secure your happiness during every trip by getting covered with student travel insurance or individual/family travel insurance.           

  • Covers travel and medical emergencies
  • Legal expenses towards third-party liability’s death or bodily injuries
  • Choose between single-trip and multi-trip policies
  • 24/7 Claim Assistance & strong customer support

Types of Travel Insurance Plans

Looking forward to your voyage, aren’t you? You’ve saved up all this while for the spending on the trip. Then why not invest a little extra in securing it. A miniscule premium from your end, and we have your trip insured. Choose from two types of plans.

Individual/Family Travel Insurance

This plan is for an individual/family travelling abroad on holiday/business trips. It covers medical & travel emergency expenses.

Student Travel Insurance

This plan is for students travelling abroad for higher studies. It covers expenses related to medical and travel emergencies.

Love at First Try with Bharti AXA Travel Insurance

Travelling overseas is always fun. It’s more fun when you know your trip is financially secure. That’s why our travel insurance is the ideal companion for all your journeys of life.

 

130+ country-wide presence

 

No medical check-up up to 70 years

 

24/7 AXA Assistance Worldwide

 

Flexible plans for your needs

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Shop Online - The Easy way

It just takes a few minutes to get the right protection for your journey. It’s true! Our online travel insurance shopping process is that rapid and easy. Check out the steps.

Step

01

Select individual/family or student travel insurance.

Step

02

Enter trip details and personal details.

Step

03

Select recommended plan and get total premium.

Step

04

Add complete details and check the summary. Make payment.

Step

05

Policy is sent in PDF to your mailbox.

Note: Before issuance of policy, vehicle inspection may or may not be conducted depending on the credibility of your vehicle and your driving records.

Frequently Asked Questions (FAQs)

  • How do I benefit with travel insurance?

Overseas travel insurance protects you when you are traveling in a foreign land. The insurance covers the expenses incurred during events like flight cancellation, illness, injury, misplaced baggage, loss of passport, etc. There would be financial reimbursement offered to cover the financial risk. Emergency financial assistance would also be provided in case of loss of money due to theft or any such event. Back home, your house and contents would be protected with a home insurance coverage against fire, allied perils, and burglary.

  • Are children and senior citizens covered?

Children from the age group of 3 months are covered. Senior citizens are also covered, with maximum entry age restricted to 85 years. For buying a policy covering people above 60 years of age kindly contact our representative at 080- 49010200.

Insurance Learner's Hub

Ready for some audio-visual learning? Watch our exciting videos to know more about our products/services and understand insurance like never before.

Frequently Asked Questions (FAQs)

  • What is NCB?

Your insurance policy allows for a No-Claim Bonus discount if you have had claim-free years during the policy tenure.

This benefit is given to a customer at the time of renewal. It applies only on the OD premium. NCB discount is available for 5 years and it increases each year with the highest being 50%. `

  • Would I need assistance while buying a policy online?

We have made our online buying process super-convenient. But we want to ensure you make an informed purchase. So, if you need our help at any point in time, remember that we are just a call away. For buy - 080-49010222 and for renewal & service - 1800-103-2292.

Insurance Made Easy

Does insurance seem like a coded language for you? Relax. Our expert team is here to break it down for you. Thus, you know exactly what you’re getting into.

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