Personal Accident Insurance
Take adequate steps to protect your income and meet your commitments in the event of permanent disability due to serious injury or death due to accident. We offer a range of cover to help you choose the right protection for you.
Get Personal Accident insurance today available in 3 plans - Rs. 10 lakhs, Rs. 20 lakhs and Rs. 30 lakhs - to protect you and your family with affordable premium starting as low as Rs. 899.
Bharti AXA Personal Accident Insurance Covers
- Accidental death
- Permanent total disablement
- Permanent partial disablement
- Hospital daily cash (on select PA plans)
- Double indemnity for death or permanent total disablement while traveling in public transport (on select PA plans)
- Worldwide cover
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Easy and Simple
- Simple form to be filled
- No documentation
- No medical tests
- Available for ages 18 to 65 years
| Section | Particulars of Benefit | Coverage | 10 lacs | 20 lacs | 30 lacs |
| 1 | Accidental Death | Bodily injury caused by accidental, violent, external and visible means resulting in death within 12 (twelve) calendar months of occurrence of such injury | Rs.10,00,000 | Rs.20,00,000 | Rs.30,00,000 |
| 2 | Permanent Total Disablement | Bodily injury caused by accidental, violent, external and visible means resulting in permanent total disability within 12 (twelve) calendar months of occurrence of such injury | Rs.15,00,000 | Rs.30,00,000 | Rs.45,00,000 |
| 3 | Permanent Partial Disablement | Bodily injury caused by accidental, violent, external and visible means resulting in permanent partial disability within 12 (twelve) calendar months of occurrence of such injury | 2% to 75% of the Sum Insured under Accidental Death Section as per table mentioned in the Policy Wordings | 2% to 75% of the Sum Insured under Accidental Death Section as per table mentioned in the Policy Wordings | 2% to 75% of the Sum Insured under Accidental Death Section as per table mentioned in the Policy Wordings |
| 4 | Double Indemnity for accidental death or Permanent Total Disability while travelling as a passenger in a public conveyance | Double indemnity for death or PTD due to accident whilst travelling as a passenger in a public transport | Rs.60,00,000 for Accidental death and Rs. 90,00,000 for Permanent Total Disability | ||
| 5 | Hospital Daily Cash | For every day of hospitalization due to accident after first 2 days, for a maximum of 50 days. | Rs.1,000 per day |
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Key Inclusions
- Accidental Death
- Permanent Total Disablement
- Permanent Partial Disablement
- Accidental Medical Expenses
- Double Indemnity for Accidental Death or Permanent Total Disability while traveling as a passenger in a public conveyance
- Hospital Daily Cash
Key Exclusions
- 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.
One of the worst insurance companies. They claim they process the claim within 15days but take 4months to process and they come to investigate at home on the matter when there is a death funeral happening at home. Sick ppl. and finally reject the claim giving a baseless reason stating policy holder dint declare of Diabetic condition at the time of policy commenecment whereas this insurance group dint bother to check on it nor did they want to ask on it. they just wanted the person to take the policy.
claim no. 0096705. master policy no. I0285412. certificate no. NS39402399. how much time required for clear this time. i am waiting from last year.
BHARTI AXA AREPUTATED INS CO IN INDIA.BUT THEY STOP FUNDING TO TPA FOR CLAIM PAYMENT.CAN ANYONE TELL WHATS THE MISTAKE OF CUSTOMER,WHY HE SUFFER FOR CLAIM.I M POLICY HOLDER OF BHARTI AXA GEN INS CO.IN JAN 2010 I M ADMIT IN GOVT HOSPITAL AND SAVE THOUSANDS RS FOR CO.ALSO THAT I M SUFFERED FROM 6 MONTH.BUT TPA GININS INDIA.GHARTI AXA AND HMO INSTANT HEALTHCARE PVT LTD JOINTLY TOURCHER TO ME.MY CLAIM NO-BA-121AND BA-1-121.1