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. Click here for Policy Wordings Click here for Policy Brochure Click here for Claim form 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 Insuredup to Rs. 30 Lakh Sum Insured up to Rs. 30 Lakh Accidental Death and PermanentTotal/Partial Disability is covered Accidental Death Permanent Total/Partial Disability Smart Cumulative Bonus of Sum Insured on claim-free years Smart Cumulative Bonus of Sum Insured 24/7 Claim Assistance & strong Customer Support 24/7 Claim Assistance 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 Yes, that’s right. We have delivered that many policies at the snap of a finger. Our instant and simple policy issuance process makes buying insurance online, a breeze. view More PAN India Cashless Network Hospital Hospitalization can get financially stressful with hefty bills to pay. Moreover, it’s also emotionally taxing. We agree. Just seek admission in any of our cashless network hospitals that is nearest to you. We’ll directly settle the bills with the hospital. Life’s simpler, isn’t it? view More 98.27% Claim-Settlement Ratio We understand that you’re already stressed when the need for filing a claim arises. But you can still stay calm as we’ve made our claim process a cake-walk. Our team of dedicated claim handlers work round-the-clock to ensure your claim is successfully settled. view More 101 Branches across India When we make you a promise to have you covered, we work to live up to it. That’s why we have spread our presence all across the nation so that you can easily find your nearest branch. We just want to be there for you at all times. view More 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.