Bharti AXA General Insurance Company Limited is owned by Bharti Enterprises in a combined undertaking with AXA, a global leader in financial protection. Bharti Enterprises is one of India’s leading business groups and a pioneer in the telecom sector. It holds a 51% stake in this joint venture while AXA Group, an international insurance and asset management company shares the remaining 49%. The insurance company started its operations in India from 2008 and currently has 79 branches across the country. It offers general insurance products to retail and commercial clients. Bharti AXA offers general insurance products like two wheeler insurance, car insurance, health insurance, personal accident insurance, critical illness insurance, home insurance and travel insurance. It also offers profitable products such as third party motor liability insurance, commercial vehicle insurance, commercial line and SME package. The company has issued 9.8 million policies and has settled 1.3 million claims till date.
Bharti AXA is a renowned force in the private insurance sector. It was proclaimed as the 'Best Insurance Company in the General Private Sector’ by the World Congress HRD at the BFSI Awards in 2014. It was also awarded ‘Tech Initiative of the Year’ by Asia Insurance Industry Awards and ‘Excellence Award’ by the Institute of Economic Studies in the same year. Other recognitions include Personal Lines Growth Leadership Award 2011, Best Innovation Product Award 2012, Commercial Growth Lines Leadership Award 2012, Finnoviti: Editor’s choice Award. Since its incorporation in 2008, Bharti AXA has won the confidence and trust of its policy holders.
Bharti AXA brings you the ease of choosing and customizing your policy online, keeping up with the technological revolution. This feature has made it simpler for policy holders across the country. One does not have to go through the difficulties of visiting the company office to pay premium or for policy renewal. You can select the policy that suits your needs and get an estimate of the premium. If you are satisfied with the estimate, you can go ahead and schedule an inspection. Once the inspection is completed, pay the premium online and your policy will be issued. This online facility helps you save time and get your policy in a matter of seconds. It also offers renewal of existing policies from another insurer. You can initiate also your claim on this user friendly digital medium and be informed of the status of your claim with updates. Other online services provided by Bharti AXA include Renewal Reminder which reminds you of the renewal of your policy before its expiry. Renewing your policy before its expiry will safeguard any unclaimed amount and your No Claim Bonus. Be it calculating your premium or expressing your grievance, it can all be done from the comfort of your home at the snap of your fingers.
India has one of the worst road accident rates in the world with an estimated 207,551 deaths annually. Bharti AXA Motor Insurance offers protection from the financial and emotional implications of an accident with its policies. The policies are tailored to meet your needs and have affordable plans with an extensive range of cover. Life has a way of being uncertain. One cannot predict unfortunate events like accidents or theft of your assets. Insuring your vehicle will protect you from the impact of such unforeseen incidents. Bharti AXA makes it easier for you with its 2500 plus cashless garages panning across India. Without a cashless claim facility the repairs and services of your vehicle is sure to burn a hole in your pocket. The company is equipped with a claims assistance and handling team which is at your disposal 24x7. If your insured vehicle happens to be in accident you can avail the emergency roadside assistance provided under this policy. Then you initiate a claim and the trained claim handlers will ensure quick and efficient claim settlement. Under this motor insurance policy, the insurer offers to indemnify your losses caused by damage or theft of the vehicle. The coverage extends to damage caused by external means, natural calamities, damage in transit and theft of insured vehicle. But the coverage excludes damage or loss in case of depreciation, wear and tear, electrical & mechanical failure, damage by person in an intoxicated state, damage outside India. An accident can have adverse impacts on your family and the medical bills can soar as well. Protect yourself from medical liabilities in event of an accident with the Personal accident cover and from legal liabilities with the compulsory Third Party Liability cover.
Every policy holder is unique and their requirements vary from person to person. Respecting your unique needs Bharti AXA offers additional covers to protect your interests in the best possible way. Zero Depreciation cover helps you gain at the time of a claim as the depreciation on repair or replacement of plastic, rubber and glass materials of your vehicle is not deducted from the claim value. Protect the engine parts of your vehicle from damage caused by water with the Hydrostatic Lock cover. You can also ensure the safety of your family by availing extended cover. Personal Accident cover for occupants allows you to avail protection for the pillion rider/passenger. Other add-on covers like paid medical expenses for driver and invoice price cover can be opted for an extra premium. Automobile association members can avail an additional discount. Discount of No Claim Bonus can also be transferred from your old insurer while renewing your policy.
Bharti AXA has a personal accident insurance that offers 3 plans which include: 10 lacs, 20 lacs and 30 lacs. This compensation will be provided in case of accident causing death or total permanent disability to the owner driver. In addition the plan also provides hospital daily cash allowance during the treatment period. This policy safeguards your financial setup and stability in case of unfortunate events. The Motor Third Party Liability covers legal and medical liability arising out of injury of a third person and damage to third party property. This insurance is mandated by the Motor Vehicles Act. But it does not cover injury or damage to you or your vehicle. The comprehensive Two wheeler insurance policy will cover the risk to you and your vehicle. If you own a private car then the Car Insurance policy will be suited to you. Bharti AXA has issued 3.5 million Car Insurance policies and 4.2 million Two wheeler insurance policies till date.
-Personal Accident Insurance
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