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What’s Covered and What’s Not

It’s better to know what your personal accident insurance covers and doesn’t cover. After all, you don’t want to face hassles at the time of claim, right?

Show inclusions and exclusions

Inclusions Exclusions
  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Accidental Medical Expenses
  • Double Indemnity for Accidental Death or Permanent Total Disability while travelling as a passenger in a public conveyance
  • Hospital Daily Cash
  • Any pre-existing disability/accidental injury
  • Pregnancy or child birth
  • Self-injury,suicide or attempted suicide
  • Influence of Liquor or drugs
  • Venereal Disease, AIDS or insanity
  • War and nuclear risk, terrorism, criminal acts etc.
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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


101 Branches across India

Make the Most of Personal Accident Insurance

Here’s why having personal accident insurance is advantageous all the way.

Accidental medical expenses

You get reimbursement for the actual medical expenses that are incurred in India. These are expenses that are caused by bodily injuries.

Double death or permanent total disablement

Here you get payment of double benefit (200% of the sum insured) for death or permanent total disablement caused due to accident.

Flexible range of sum insured

As per your requirement, you can choose from sum insured of Rs. 2 lakh to Rs. 30 lakh. These are 7 variants of our smart individual critical illness insurance policy.

Benefits up to sub-limits

Up to certain limit of sum insured, you get benefits of hospital daily cash allowance, legal expenses, reimbursement of funeral expenses, etc.

Sum insured enhancement

During renewal, for every claim-free year, you can get 5% to a maximum of 50% increase in the capital sum insured amount. This is provided the policy is renewed without any breaks.

Free-look period and grace period

From the day that you receive your policy document, you get 15 days to review the policy. And from the date your policy lapses, you get a grace period of 30 days to renew your policy.


At the time of renewal, you have the option to migrate your existing health insurance policy with us. This is provided you have maintained your previous policy without any break.

Guaranteed life-long renewals

Life-long renewal is guaranteed as there is no maximum cover ceasing age in this policy. The eligibility age group for this policy is 8 years to 70 years.

Personal Accident Insurance - Inclusions and Exclusions

The higher the occupation grouping, the larger sum insured plan you need

  • Occupation GROUP I

Those who don’t deal in hazardous goods or involve manual labour. Ex: Accountants, doctors, advocates, architects, consulting engineers, teachers, bankers, persons engaged in administrative functions, or owners of small businesses.

  • Occupation GROUP II

Those engaged in moderate manual labour or superintending functions. Ex: Builders, contractors and engineers, garage and motor mechanics, machine operators, drivers of trucks, professional athletes and sportsmen, wood-working machinists.

  • Occupation GROUP III

Those engaged in high manual labour or high-risk activities. Ex: Activities such as racing on wheels or on horseback, big game hunting, mountaineering, jockeys, circus personnel, or those working in underground mines, involved in electrical installation, etc.

  • 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 organisations.

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.



Choose to renew or buy personal accident insurance.



Enter personal details & answer few eligibility criteria questions.



Select add-ons and discounts to get final premium.



Add complete details and check the summary. Make payment.



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.

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