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

Why Buy Personal Accident Insurance?

No matter how much you try live your life carefully, there will always circumstances that go beyond your control. Unexpected, unintentional and unfortunate – that’s how accidents are defined. They have adverse effects on you physically, emotionally, as well as financially.

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

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.

Portability

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.

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?

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.

Who Should Buy Personal Accident Insurance?

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

  • Occupation GROUP I
  • Occupation GROUP II
  • Occupation GROUP III
  • Occupation GROUP IV

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.

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