Written by Sushma Rao | 

Medically Reviewed by The Medindia Medical Review Team  on May 16, 2015

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

Easy and Simple

  • Simple form to be filled
  • No documentation
  • No medical tests
  • Available for ages 18 to 65 years
SectionParticulars of Benefit Coverage10 lacs20 lacs30 lacs
1Accidental DeathBodily injury caused by accidental, violent, external and visible means resulting in death within 12 (twelve) calendar months of occurrence of such injuryRs.10,00,000Rs.20,00,000Rs.30,00,000
2Permanent Total DisablementBodily injury caused by accidental, violent, external and visible means resulting in permanent total disability within 12 (twelve) calendar months of occurrence of such injuryRs.15,00,000Rs.30,00,000Rs.45,00,000
3Permanent Partial DisablementBodily injury caused by accidental, violent, external and visible means resulting in permanent partial disability within 12 (twelve) calendar months of occurrence of such injury2% to 75% of the Sum Insured under Accidental Death Section as per table mentioned in the Policy Wordings2% to 75% of the Sum Insured under Accidental Death Section as per table mentioned in the Policy Wordings2% to 75% of the Sum Insured under Accidental Death Section as per table mentioned in the Policy Wordings
4Double Indemnity for accidental death or Permanent Total Disability while travelling as a passenger in a public conveyanceDouble 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
5Hospital Daily CashFor every day of hospitalization due to accident after first 2 days, for a maximum of 50 days. Rs.1,000 per day

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.

References:

  1. Bharti AXA General Insurance - www.bharti-axagi.co.in

Disclaimer: This information is extracted from the company’s official website to provide information to the general public. The information is likely to change based on the concerned insurance companies’ discretion. Alterations, deletions and/or additions to the existing policy products, coverage and their premiums may be enhanced or reduced. These figures are only guidelines. We recommend the individual to visit the official website of the insurance company for more details and updated matters.

Comments

vsuj1984 Wednesday, December 18, 2013

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.

10785 Saturday, March 31, 2012

claim no. 0096705. master policy no. I0285412. certificate no. NS39402399. how much time required for clear this time. i am waiting from last year.

barat36 Monday, February 14, 2011

I got my new car insured last year i.e. in 2010.My policy no is "FPV/10270999/14/07/D11411.I wanted clarification on the following points. 1]NO claim bonus year after year 2)If any claim is made, what is the bonus available? Barat deobratbarat@yahoo.com

SUNILJAIN Sunday, August 29, 2010

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

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