Compensation up to Rs. 2 lakh per person
Total and partial disability covered
Accidental death covered
Not every incident in your life can be controlled by you. You may be an excellent and cautious driver yet one cannot guarantee the same for someone driving towards you from the other side of the road. Accidents can put a halt to everyone’s life and cause a lot of stress.
The best way to take care of these unforeseen circumstances is to get a Personal Accident Insurance as an Add-on Cover for your Two-Wheeler Insurance Plan
. This will protect you and the pillion rider in case of an accident.
You can get a Personal Accident Cover at a very nominal premium when you buy a new Insurance Policy or renew an old one. The Add-On Cover will take care of all medical expenses and hospital costs for both the rider and the pillion.
Benefits of Bharti AXA’s Accident Cover Add-On
Accidental Death Benefits
Accidents are unexpected. And if the accidents result in the death of the rider or the pillion, it can have serious implications for the person’s family. Personal Accident Cover provides financial compensation in case of death, which can prove to be helpful for the family.
Compensation for Disability
Accidents may not always result in death but they can lead to temporary or permanent disability. In case such a situation arises, a Personal Accident Cover will bear the medical costs and provide financial compensation for the disability. This compensation amount will depend upon the insurance policy but may not exceed INR 1 lakh.
Daily Hospitalization Cash Benefit
The Personal Accident Insurance Cover provides daily cash benefit in case of hospitalization for up to a maximum of 50 days.
Exclusions of a Personal Accident Cover:
Every policy comes with its own set of restrictions and limitations. Some limitations of this add-on policy are as follows -
1. Death or Injury sustained under the Influence of Drugs or Alcohol -
Any claim that involves the insured person being drunk during the time of the accident shall not be covered by the insurance company. Apart from drunk driving, if any of the insured occupants are under the influence of alcohol or drugs, he/she cannot claim the benefit from the policy.
2. Accident on Purpose -
If the insured rider and pillion are involved in acts like racing or other dangerous acts that they know can lead to accidents, they shall not be entitled to any claim from the insurance policy.
3. Breach of Law during the Accident -
If an accident is caused when the insured party breaks any traffic law, the company shall not cover the party for the same.
How can you avail a Personal Accident Cover for Occupants?
You can apply for this add-on policy with the original two-wheeler policy at the very beginning or take the same during the policy renewal at a small and affordable fee.
A team of experts from Bharti AXA
will guide you properly through the process of getting an add-on policy with your main one. Keep the basic information related to your policy with you while opting for an add-on like original policy number, identity proof, etc. as it helps the team process your policy much faster.
To conclude, getting an add-on cover for personal accidents along with the two-wheeler insurance is as important as having any other term insurance to secure your life and those riding along with you.