Bharti AXA Personal Accident Plan 2024 Benefits, Features, Buy & Renew

Bharti AXA Personal Accident Plan 2024 – Did you know that Bharti AXA is one of the leading insurance providers in India? They offer a variety of personal accident plans that can cover a wide range of risks and expenses. In this article, we’ll take a look at their 2024 personal accident plan, which offers comprehensive coverage for accidents that happen both at home and while you’re traveling. We’ll also discuss the benefits of this plan, and how it can help you and your family get through a difficult time after an accident. Ready to learn more? Let’s dive in!

The vision of the organization is “to be the most favored general insurance agency for clients, workers, investors, colleagues and the general public. Bharati AXA’s thorough and imaginative protection plans are with the end goal that it meets the prerequisites of a person as well as the associations. Different items going from the essential protection plans like health care coverage plans, travel protection plans, home protection plans to business/corporate arrangements/plans, SME arrangements/plans, engine protection plans, bike plans and much more. Here we will examine about the Home Protection Plans for this organization.

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Bharti AXA Personal Accident Plan 2024

If you have been in an accident that was caused by someone else, it’s important to know about Bharti AXA’s Personal Accident Plan. This policy provides you with financial assistance in the event of an accident, and can help you get the repairs and treatment you need to get back on your feet as quickly as possible. Learn more about this policy and how it can benefit you in the following article.

Individual Mishap Plans connects a significant job the protection arrangement of a person. It, first and foremost, offers a gigantic monetary help to the strategy holder if he/she is impaired after a mishap coming about to super durable complete inability, brief all out handicap and, surprisingly, a sad passing. Furthermore, the tremendousness or the level of wounds doesn’t make any difference, minor wounds are likewise generally cover hill the arrangement. Bharati AXA Individual Mishap protection Plans named as Brilliant Individual Arrangement have sweeping plans which goes about as a pad to cover the dangers related with a mishap.

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Bharti AXA Personal Accident Plan

Bharti AXA Personal Accident Plan Details

Name Of ArticleBharti AXA Personal Accident Plan
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Coverages under the Smart Individual Plan

Are you an individual who faces high health care costs? Do you want to know what kind of coverage is available to you under the Smart Individual Plan? unveiled by the government of Ontario, the Smart Individual Plan is a new kind of health care plan that offers comprehensive and affordable coverage. You can find out more information and sign up for a free consultation here.

Coming up next are the inclusions under the Brilliant Individual Arrangement.

  • Incidental Demise Plan which incorporates transportation of mortal remaining parts, memorial service costs and instruction award for youngsters.
  • Extremely durable All out Disablement Plan.
  • Long-lasting fractional Disablement Plan.
  • Transitory All out Disablement Plan.
  • Medical clinic Everyday money Remittance Plan.
  • Inadvertent clinical costs Plan.
  • Twofold Repayment demise or Super durable Complete Disablement while going as a traveler openly transport.
  • Legitimate Costs.

Also Read-Reliance General Health Plan Benefits

Lets look at the scope of the above coverages

If the insured person sustains bodily injury that is solely and directly attributable to an accident that was caused by external, violent, and visible means, the company will compensate the insured person, as well as any nominees or legal representatives they may have.

  • If the injury occurs within 12 calendar months and is caused solely by the insured or insured persons’ death, the schedule’s capital sum insured.
  • If the injury occurs within a 12-month period and is the sole, direct cause of the total, irreparable loss of the following:
  • According to the schedule, either both eye sights or the actual loss of physical separation between two whole hands, two feet, or one whole hand and one whole foot, or the loss of one eye sight between one whole hand, one whole foot.
  • As specified in the schedule, use of two hands, two feet, or one hand and one foot, loss of one eye sight, or loss of use of one hand and one foot.
  • If the injury occurs within a 12-month period and is the sole, direct cause of the total, irreparable loss of the following:
  • 50% of the Capital Sum Insured, as specified in the schedule, in the event of the loss of one eye sight or the actual loss of physical separation of one whole hand, one whole foot, or both.
  • A lump sum payment is made in accordance with the schedule if the injury results in the insured person’s inability to work immediately, permanently, completely, or completely at all.

Check Also-Family Health Insurance Plan 

Value Added Benefits under the Bharti AXA Personal Accident Plan

Are you feeling worried about the cost of medical treatment? Would you like to know what your various options are? Then you’re in the right place! In this article, we’ll discuss the various value added benefits that are available under the Bharti AXA Personal Accident Plan. From dental care to home nursing, we’ll cover it all. So whether you’re looking for comprehensive coverage or just a few key services, we’ve got you covered. Let’s get started!

The plan provides the following value-added benefits:

  • Daily cash allowance for hospitals: After receiving treatment for a bodily injury that was brought on by accidental, external, violent, or visible means, this benefit contributes to the insured person’s daily payment for the number of days they spend in the hospital.
  • Medical Costs After an Accident: In accordance with this plan, actual medical expenses are covered.
  • Double protection in the event of death or total liability for life: In the event of death or total and permanent disability, a unique plan pays 200 percent of the insured sum.

Various Plans under Smart Individual Personal Accident Plan

Did you know that there are various plans available under the Smart Individual Personal Accident Plan? Whether you’re looking for comprehensive coverage, or just want to add a rider or two, there’s a plan for you. In this post, we’ll take a look at five of the most popular plans, and explain what each one offers. We’ll also provide a brief overview of each plan, so you can decide which one is the best fit for you. Ready to get started? Let’s get started!

Very well designed and tailor made 7 Smart Individual Personal Accident Plans  ( IPA)  are available . These are:

  • Smart IPA Basic.
  • Smart IPA Regular.
  • Smart IPA Standard without medical expenses cover).
  • Smart IPA Standard (with medical expenses cover).
  • Smart IPA Silver (applicable if the minimum monthly income is Rs 20000 and for Occupation Groups I & II).
  • Smart IPA Gold (applicable if the minimum monthly income is Rs 40000 and for Occupation Groups I & I ).
  • Smart IPA Superior.

Now we will see an overview of the benefits that are available under each plan:

Smart IPA Basic Plan

  • The Accidental Death Benefit is Rs.
  • The cost of total permanent disability is 300,000.
  • The percentage of indemnity specified in the policy is Permanent Partial Disability.
  • Double Indemnity in the event of death or total and permanent disability—this benefit is not covered by this plan.
  • Total and temporary disability is not covered by this plan.
  • Daily Cash for the Hospital: This is not covered by this plan.
  • Transport of Dead People’s Remains: 1% of the insured sum.
  • Funeral costs are not covered.
  • Medical bills for accidents—no coverage.
  • Grant for Education:  Up to two dependent children under the age of 23 are eligible for this benefit, which offers an education grant of Rs 10,000 per child.
  • Legal costs are not covered.

Read More-Future Generali Health Plan Benefits

Smart IPA Regular Plan

  • The Accidental Death Benefit is Rs. 200000
  • The cost of total permanent disability is 300,000.
  • The percentage of indemnity specified in the policy is Permanent Partial Disability.
  • Double Indemnity in the event of death or total and permanent disability—this benefit is not covered by this plan.
  • Total and temporary disability is not covered by this plan.
  • Daily Cash for the Hospital: This is not covered by this plan.
  • Transport of Dead People’s Remains: 1% of the insured sum.
  • Funeral costs are not covered.
  • 20 percent of the Section I Sum Insured will cover accidental medical costs.
  • Grant for Education:  Up to two dependent children under the age of 23 are eligible for this benefit, which offers an education grant of Rs 10,000 per child.
  • Legal costs are not covered.

IPA  SmaStandard Plan (without medical expenses cover)

  • The Accidental Death Benefit is Rs. 500000
  • The cost of total permanent disability is Rs 750000.
  • The percentage of indemnity specified in the policy is Permanent Partial Disability.
  • Total temporary disability: 1% of the insured sum per week, up to a maximum of Rs. 5,000, for 104 weeks.
  • Daily Cash for the Hospital: After the first two days, Rs 200 for each day spent in the hospital, up to a maximum of 50 days.
  • Transport of Dead People’s Remains: 1% of the insured sum.
  • Funeral costs are not covered.
  • Medical bills for accidents—no coverage.
  • Grant for Education:  Up to two dependent children under the age of 23 are eligible for this benefit, which offers an education grant of Rs 10,000 per child.
  • Legal fees total 5000 rupees.

Smart IPA Standard Plan (with medical expenses cover)

  • The Accidental Death Benefit is Rs. 500000
  • The cost of total permanent disability is Rs 750000.
  • The percentage of indemnity specified in the policy is Permanent Partial Disability.
  • Double Indemnity in the event of death or total and permanent disability—this benefit is not covered by this plan.
  • Total temporary disability: 1% of the insured sum per week, up to a maximum of Rs. 5,000, for 104 weeks.
  • Daily Cash for the Hospital: After the first two days, Rs 200 for each day spent in the hospital, up to a maximum of 50 days.
  • Transport of Dead People’s Remains: 1% of the insured sum.
  • The funeral cost Rs 2000.
  • 20 percent of the insured sum for accidental medical expenses.
  • Grant for Education:  Up to two dependent children under the age of 23 are eligible for this benefit, which offers an education grant of Rs 10,000 per child.
  • Legal fees total 5000 rupees.

Also Read-Cholamandalam Health Plan

Smart IPA Silver Plan

  • The Accidental Death Benefit is Rs.1000000
    The cost of permanent total disability, or PTD, is Rs.1500000
    The percentage of indemnity specified in the policy is Permanent Partial Disability.
    Double Indemnity in the event of death or permanent total disability: Rs. 2,000,000 for death and Rs. 300,000 for PTD.
    Temporary Total Disability: For 104 weeks, 1% of the Sum Insured per week, up to a maximum of Rs. 10,000, payable.
    Daily Cash for the Hospital: After the first two days, Rs 500 for each day spent in the hospital, up to a maximum of 50 days.
    Transport of Dead People’s Remains: 1% of the insured sum.
    The funeral cost Rs 3500.
    20 percent of the insured sum for accidental medical expenses.
    Grant for Education:  Up to two dependent children under the age of 23 are eligible for this benefit, which offers an education grant of Rs 10,000 per child.
    Legal fees total 5000 rupees.

Smart IPA Gold Plan

  • The Accidental Death Benefit is Rs. 20000000
    The cost of permanent total disability, or PTD, is 3000000 rupees.
    The percentage of indemnity specified in the policy is Permanent Partial Disability.
    Double Indemnity in the event of death or permanent total disability: Rs. 4000000 in the case of death and Rs. 6000000 in the case of PTD.
    Temporary Total Disability: For 104 weeks, 1% of the Sum Insured per week, up to a maximum of Rs. 10,000, payable.
    Daily Cash for the Hospital: After the first two days, Rs. 1,000 for each day spent in the hospital, up to a maximum of 50 days.
    Transport of Dead People’s Remains: 1% of the insured sum.
    Cost of the funeral: Rs 5,000.
    20 percent of the insured sum for accidental medical expenses.
    Grant for Education:  Up to two dependent children under the age of 23 are eligible for this benefit, which offers an education grant of Rs 10,000 per child.
    Legal fees total 5000 rupees.

Eligibility of the plan

Individuals between 18 years to 70 years of age can apply for the Smart Individual  Personal Accident Plan .

Exclusions under the Bharti AXA Personal Accident Plan

If you have been injured in an accident, you may be wondering what rights you have under the Bharti AXA Personal Accident Plan. In this article, we will explore the various exclusions under the plan and help you to understand your rights. We will also provide a guide on how to make a claim under the plan. So if you have been injured in an accident, don’t hesitate to reach out for help!

  • for illness or bodily injury that the insured person intentionally aggravates.
  • for bodily harm or illness brought on by self-inflicted harm, intentional and deliberate exposure to danger, suicide or attempted suicide, or non-adherence to medical advice.
  • If the insured gets hurt or gets sick because they drank, used drugs, or drank, unless the doctor tells them not to.
  • Compensation for the insured person’s death, disability, injury, illness, or hospitalization as a result of ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste, whether directly or indirectly.
  • Materials for nuclear weapons
  • working in explosive magazines or underground mines, performing high-tension electrical installations, working as jockeys or circus personnel, or participating in activities like horseback racing, big game hunting, or racing on wheels
  • If the insured person participates in a competition that involves the use of a motorized land, water, or vehicle and is injured as a result.
  • for bodily injury sustained while the insured travels by air as a non-fare-paying passenger.
  •  for injuries to the body that result from participating in a crime or breaking the law with a criminal intent.
  • AIDS and HIV

Also Read-SBI General Health Plan Benefits

Claims Bharti AXA Personal Accident Plan

  • One can call at the 24×7 toll free number to register a claim at the earliest.
  • Name of the Insured person
  • Nature of loss.
  • Date, time and location of loss.
  • Policy Number.
  • Contact Details.
  • One can also email at [email protected]
  • The basic documents under the plan  are as follows:
  • Claim form.
  • Death/ Disability Certificate.
  • Admission or Discharge Summary.
  • Within ten days of receiving the documents and investigation reports, the business will update the policyholder on the status of the claim.

Documents needed for Personal Accident Death Claims

  • Claim form.
  • Policy Copy.
  • Attested/Original FIR
  • Attested/Original Post Mortem Report
  • Death Certificate from Municipal Authorities.

Documents needed for Personal Accident Disability Claims

  • Claim form.
  • Policy Copy.
  • Attested FIR copy.
  • Disability Certificate from Doctor.
  • Hospital Medical Records.
  • Original bills, receipts, cash memos with related treatment papers.

Contact Bharati AXA Insurance

  • One can call at   24×7 toll free number for any query, comments or purchasing of plans.
  • SMS “SERVICE” to 566700.
  • Email at customer[dot]service[at]bharati-axagi.co.in

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