Bharti AXA Personal Accident

Bharti AXA Personal Accident

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Bharti AXA Personal Accident Plan

Bharti AXA is a collaboration of Indian business group Bharti Enterprises and AXA. Talking about AXA, it is the global leader in the sector of insurance, financial protection and wealth management. The company started in 2008 and is the first company who has received a dual certificate of ISO 9001:2008 and ISO 27001:2005 within the first year of its working in India and after that the certificate was renewed for another two years. The aim of the company is to be the leading insurance company for the customers, share holders, business partner and the society. The plans of the company are such that it meets all the needs of the customers. There are lot more plans in this insurance company such as personal insurance plan, health insurance plans, travel insurance plans, motor insurance plans etc.

In the Insurance Profile of the person, Personal Accident plans are important ones. The policy provides a great support to the insured as after accident if the person is disabled that is permanent disability, temporary total disability or even if death occurs. The policy is a support system in financial terms. Even in some of the policies, minor injuries are also covered which is great. The risk which is associated with the accident is covered in the policy.

Bharti AXA Insurance : Achievements

The company was awarded with Risk manager of the Year award Personal Line Growth Leadership Award in 2011. Moving forwarded in year 2012 the company won the Best Employer Brand Award. In the same year the company has been awarded with Best Production Innovation Award, Claims Innitiative of the Year Award and Commercial Line Growth Award. Even Asia Insurance Industry Awards 2014 - Tech Initiative of the Year and BFSI: Best Insurance Company in the Private Sector - General 2014 was won in 2014. Moving further in the year 2014 the Excellence award was won by the company which was given by the Institute of Economic Studies Even the company was the winner for the Best Insurance Company in Private Sector in the same year. In the year 2016 the company is awarded with Global Marketing Excellence Awards as the Marketing Campaign of the Year by Motor Campaign.

Bharti AXA Insurance : Online Facilities

With the coming of the internet, people prefer going for all the official work through the online mode. If you want to buy the Bhati AXA Accident Policy you can do it online. You can simply open the website and do it by attaching the documents and paying the amount through a card or online banking. While doing online you don't need to go for any medical checkup whereas if you go for branch visit they will ask the certificates plus medical checkup even. When you call toll free number even they will explain you the online procedure. Using online service is beneficial as you can check the status of the policy and to the more, you can also cancel the policy online. So it is the most convenient method as while sitting at home you can get your policy renewed, cancelled and even apply for the claim as well.

Bhati AXA Personal Accident Insurance Plans

Smart Individual Plan

The insured person, his nominee of the first family will be paid by the insurance company if the insured sustains bodily injuries which are a result of the accident. There are plans which come under this policy. You can choose according to your requirement.

There are Seven Smart Individual Personal Accident Plan which is there. They are:-

Smart IPA Basic Plan

The accidental death benefit of Rs 200000 and permanent total disability benefit of Rs 300000 is given. No coverage for double indemnity for death or permanent total disability is there. For the permanent partial disability that is the percentage as mentioned in the policy.

Smart IPA Regular Plan

The accidental death benefit of Rs 200000 and permanent total disability benefit of Rs 300000 is given. No coverage for double indemnity for death or permanent total disability is there. For the permanent partial disability that is the percentage as mentioned in the policy.

Smart IPA Standard Plan ( without medical coverage)

The accidental death benefit of Rs 500000 and permanent total disability benefit of Rs 750000 is given.No coverage for double indemnity for death or permanent total disability is there. For the permanent partial disability that is the percentage as mentioned in the policy. For the medical expenses, there is no payment.

Smart IPA Standard plan (with medical coverage)

The accidental death benefit of Rs 500000 and permanent total disability benefit of Rs 750000 is given. No coverage for double indemnity for death or permanent total disability is there For the permanent partial disability that is the percentage as mentioned in the policy. For the medical expenses, twenty percent of the sum assured is given.

Smart IPA Silver Plan

The accidental death benefit of Rs 1000000 and permanent total disability benefit of Rs 1500000 is given. For double indemnity for death or permanent total disability is there. For death 20 lakhs and for pregnant total disability Rs 30 lakh is given. For the permanent partial disability that is the percentage as mentioned in the policy. For the medical expenses, twenty percent of the sum assured is given.

Smart IPA Gold Plan

The accidental death benefit of Rs 2000000 and permanent total disability benefit of Rs 3000000 is given. For double indemnity for death or permanent total disability is there. For death 20 lakhs and for permanent total disability Rs 30 lakh is given. For the medical expenses, twenty percent of the sum assured is given.

Bharti AXA Personal Accident : FAQ’s

1
How to pay the premium?

You can make an online payment or use cash cheque payments. You can even connect debit card for auto payment.

2
How to check the status of your policy?

You need to log in to the official sites and mention all the details of the policy to check your policy status. Even mobile number can be registered for the regular updates.

3
How to renew the policy?

Going for an agent is a better option to renew. However, you can do it yourself when you receive an SMS regarding that. For the SMS you can make payment online.

4
Explain the process of the company to settle the claim.

The claim is settled within seven days of the accident. If you have opted for the medical facility you will get the list of hospitals where you will be given a discount. For other cases, the officer will visit your home and then settle the claim after full verification.

5
Explain the process to cancel the policy.

You can call at the toll-free number and cancel your policy. You will be asked to submit certain documents to the help desk. A month will be taken after submitting the documents. After the policy is cancelled a letter will be sent to the registered address regarding it. Thus this is a very simple process.