Bharati AXA General Insurance Company Limited is a joint collaboration between a leading Indian business group Bharati Enterprises and AXA, a global leader in insurance sector, financial protection and wealth management. The company marked its presence from 2008 and it is the first general insurance company to receive dual certification of ISO 9001:2008 and ISO 27001:2005 within the first year of its operations in India and thereafter the certification was renewed for another 2 years. The vision of the company is “to be the most preferred general insurance company for customers, employees, shareholders, business partners and the society. Bharati AXA’s comprehensive and inventive insurance plans are such that it meets the requirements of an individual as well as the organizations. Various products ranging from the basic insurance plans like health insurance plans, travel insurance plans, home insurance plans to business/ corporate solutions/ plans, SME solutions/ plans, motor insurance plans, two wheeler plans and a lot more. Here we will discuss about the Home Insurance Plans for this company.
Personal Accident Plans plugs an important role in the insurance portfolio of an individual. Firstly, it provides a tremendous financial support to the policy holder if he/she is disabled after an accident resulting to permanent total disability, temporary total disability and even an unfortunate death. Secondly, the enormity or the degree of injuries doesn’t matter, minor injuries are also usually cover dune the plan. Bharati AXA Personal Accident insurance Plans named as Smart Individual Plan have all encompassing plans which acts as a cushion to cover the risks associated with an accident.
Now we will see the coverages under the Smart Individual Plan.
The following are the coverages under the Smart Individual Plan.
The company will pay the insured person, his/her nominees or legal representatives if the insured person sustains bodily injury resulting solely and directly due to accident caused by external , violent and visible means.
Value Added Benefits under the plan: The following are the value added benefits under the plan:
Very well designed and tailor made 7 Smart Individual Personal Accident Plans ( IPA) are available . These are:
Now we will see an overview of the benefits that are available under each plan:
Smart IPA Basic Plan
Smart IPA Regular Plan
Smart IPA Standard Plan (without medical expenses cover)
Smart IPA Standard Plan (with medical expenses cover)
Smart IPA Silver Plan
Smart IPA Gold Plan
Eligibility of the plan
Individuals between 18 years to 70 years of age can apply for the SmartIndividual Personal Accident Plan . Its also a lifelong renewable plan.
Exclusions under the plan
The following are the exclusions under the plans under which the company will not pay any benefit to the Insured Person:
Documents needed for Personal Accident Death Claims
Documents needed for Personal Accident Disability Claims
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