Smart Individual Personal Accident Plan
General Insurance Company
Bharti AXA General Insurance Company is a joint venture between Bharti Enterprise, a leading Indian business group and AXA Group; a Paris based global financial protection company with presence in Western Europe, North America and the Asia/Pacific area. The company began operations in 2008 and currently has 59 branch offices in India. It was the first General Insurance Company to receive ISO 9001:2008 and ISO 27001:2005 certifications within its first year itself.
Toll-Free No.: 1800-103-2292
E-mail Id.: customer.service@bharti-axagi.co.in
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features - Smart Individual Personal Accident Plan
In the event of Permanent Total Disability due to an accident, the company shall pay 125% of the Sum Insured.
Daily Hospital cash - In the case of Hospitalization due to an accident, for every day of hospitalization after first 2 days a compensation as mentioned in the grid will be paid, subject to a maximum of 50 days.
World wide coverage in the event of an accident.
Accidental Medical Expenses - In the event you are hospitalised due to an accident, any medical expenses incurred shall be paid as mentioned in the grid.
Children's Education Bonus: Education grant at the rate of Rs. 10,000 per child payable up to 2 dependent children up to the age of 23 years
Cumulative Bonus: In the event of No Claim the base sum insured will be increased by 5% every year, subject to a max. upto 50%.
Eligibility Criteria - Smart Individual Personal Accident Plan
| Category | Details | ||||
|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 70 Years | ||||
| Renewal Age | Life Long Renewal | ||||
| Policy Tenure | 1 Year | ||||
| Family Definition | Individual & Family Self, Spouse & Dependent Children | ||||
Product Benefits - Smart Individual Personal Accident Plan
| S.N. | Particulars of Benefit | Coverage | Smart IPA - Basic | Smart IPA - Regular | Smart IPA - Standard without medical expenses | Smart IPA - Standard with medical expenses | Smart IPA - Silver | Smart IPA - Gold | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Accidental death | Bodily injury caused by accidental, violent, external and visible means resulting in death within 12 calendar months of the occurrence of such injury | Rs. 2,00,000 | Rs. 2,00,000 | Rs. 5,00,000 | Rs. 5,00,000 | Rs. 10,00,000 | Rs. 20,00,000 | ||||||||||
| 2 | Permanent total disablement (PTD) | Bodily injury caused by accidental, violent, external and visible means resulting in permanent total disablement within 12 calendar months of occurrence of such injury | Rs. 3,00,000 | Rs. 3,00,000 | Rs. 7,50,000 | Rs. 7,50,000 | Rs. 15,00,000 | Rs. 30,00,000 | ||||||||||
| 3 | Permanent partial disablement | Bodily injury caused by accidental, violent, external and visible means resulting in permanent partial disablement within 12 calendar months of the occurrence of such injury | % of indemnity as mentioned in the policy | |||||||||||||||
| 4 | Double indemnity for death or PTD | Double indemnity for the death or PTD due to an accident whilst traveling as a passenger in a public transport | No cover | For death - Rs. 20,00,000, In case of PTD - Rs. 30,00,000 |
For death - Rs. 40,00,000, In case of PTD - Rs. 60,00,000 |
|||||||||||||
| 5 | Temporary total disablement | Bodily injury caused by accidental, violent, external and visible means resulting in temporary total disablement | No cover | 1% of section 1 sum insured per week subject to a max. of Rs. 5,000, payable for 104 weeks | 1% of section 1 sum insured per week subject to a max. of Rs. 5,000, payable for 104 weeks | 1% of section 1 sum insured per week subject to a max. of Rs. 10,000, payable for 104 weeks | 1% of section 1 sum insured per week subject to a max. of Rs. 10,000, payable for 104 weeks | |||||||||||
| 6 | Hospital daily cash | For every day of hospitalization after first 2 days, for a maximum of 50 days | No cover | Rs. 200 | Rs. 200 | Rs. 500 | Rs. 1,000 | |||||||||||
| 7 | Transportation of mortal remains | Transportation of mortal remains where the accidental death occurs outside the residence | 1% of section 1 sum insured | 1% of section 1 sum insured | 1% of section 1 sum insured | 1% of section 1 sum insured | 1% of section 1 sum insured | 1% of section 1 sum insured | ||||||||||
| 8 | Funeral expenses | Expenses towards funeral in case of accidental death | No cover | Rs. 2,000 | Rs. 3,500 | Rs. 5,000 | ||||||||||||
| 9 | Accidental medical expenses | Medical expenses incurred following treatment of an accidental injury | No cover | 20% of sum insured section 1 | No cover | 20% of sum insured section 1 | 20% of sum insured section 1 | 20% of sum insured section 1 | ||||||||||
| 10 | Education grant for children | Education grant at the rate of Rs. 10,000 per child payable up to 2 dependent children up to the age of 23 years | Rs. 10,000 per child maximum of 2 children | Rs. 10,000 per child maximum of 2 children | Rs. 10,000 per child maximum of 2 children | Rs. 10,000 per child maximum of 2 children | Rs. 10,000 per child maximum of 2 children | Rs. 10,000 per child maximum of 2 children | ||||||||||
| 11 | Legal expenses | Legal expenses arising out of death or bodily injury | No cover | No cover | Rs. 5,000 | Rs. 5,000 | Rs. 5,000 | Rs. 5,000 | ||||||||||
| 12 | Cumulative Bonus | In the event if there is no claim in the current year then the sum insured will be increased. | At the time of renewal if there was no claim the sum insured will be increased by 5%, subject to a max. of 50%. | |||||||||||||||
Add-ons - Smart Individual Personal Accident Plan
Not Available
Additional Discounts - Smart Individual Personal Accident Plan
Not Available
Exclusions - Smart Individual Personal Accident Plan
Accidental Bodily Injury that the insured meets as listed below are not covered:
- Suicide, attempted suicide or self inflicted injury or illness.
- Under the influence of liquor or drugs.
- Arising or resulting from the insured person(s)
- Committing any breach of law with criminal intent.
- Pregnancy, childbirth, miscarriage, abortion, or complications arising out of these.
- Nuclear energy, radiation, etc.
Claim Process for Smart Individual Personal Accident Plan
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
Know Claim Process