The Benefits Of Buying Bharti AXA General Insurance

Established in 2008, Bharti AXA General Insurance Company is one of the biggest private general insurance companies in India. Since its launch, the insurer has set up 101 branch offices across the country, issued around 9.8 million policies and settled 1.3 million claims. Bharti AXA General Insurance Company offers coverage across a number of different categories like health, motor, travel, home, student travel, critical illness and more.

Risks Covered Under General Insurance

Here is a look at the risks covered and what you’ll be getting if you choose Bharti AXA as your insurance provider:

  • Car Insurance – Bharti AXA General Insurance Company’s comprehensive car insurance policy provides the following benefits:
  • Covers financial losses if your car gets damaged or stolen
  • Cashless claim settlement at 3000+ network garages
  • Discounts on premiums through the no-claim bonus
  • 24/7 Claim assistance
  • Health Insurance – Bharti AXA General Insurance Company’s health insurance policy provides the following benefits:
  • Coverage up to Rs. 1 crore
  • AYUSH Treatment, Day Care Treatment, Pre & Post hospitalization, among other expenses, will be covered
  • Tax deductions can be claimed up to Rs. 55,000 under Section 80D
  • Cashless hospitalization facility across 4500+ network hospitals
  • 24/7 Claim assistance
  • Personal Accident Insurance – Bharti AXA General Insurance Company’s personal accident policy provides the following benefits:
  • Coverage up to Rs. 30 lakhs
  • Accidental death and permanent partial or total are covered
  • Bonus on sum-insured for claim-free years
  • 24/7 Claim assistance
  • Student Travel Insurance – Bharti AXA General Insurance Company’s student travel policy provides the following benefits:
  • Cover for travel and medical emergencies
  • Flexible policy period (as per the education course duration)
  • Cover for students between the ages of 16 and 40 years
  • 24/7 Claim assistance
  • Two Wheeler Insurance – Bharti AXA General Insurance Company’s comprehensive two wheeler insurance policy provides the following benefits:
  • Covers financial losses if your car gets damaged or stolen
  • Cashless claim settlement at 3000+ network garages
  • Discounts on premiums through the no-claim bonus
  • 24/7 Claim assistance
  • Critical Illness Insurance – Bharti AXA General Insurance Company’s critical illness insurance policy provides the following benefits:
  • Coverage for about 20 critical illnesses
  • Cashless hospitalization facility across 4500+ network hospitals
  • Tax deductions can be claimed up to Rs. 15,000 under Section 80D
  • 24/7 Claim assistance
  • Individual & Family Travel Insurance – Bharti AXA General Insurance Company’s individual & family travel insurance policy provides the following benefits:
  • Secures your trips across 130+ countries
  • Covers legal expenses towards third-party liability in case of death or bodily injuries
  • Option between single-trip and multi-trip policies
  • 24/7 claim assistance

Different Policies Available

The policies offered by Bharti AXA General Insurance Company are as follows:

Health Insurance – Under the health insurance segment, Bharti AXA General Insurance Company offers two policy options, namely Smart Super Health Insurance Plan and Smart Health Insurance Plan. The features of the two policies are as under

  • Smart Super Health Insurance Policy
  • Coverage starting from Rs. 5 lakhs, up to Rs. 1 crore
  • There is no capping on room rent
  • Pre and post-hospitalization expenses of 60 days and 90 days, respectively, are covered
  • Sum insured restoration up to 100%
  • Maternity benefit with 9 month waiting period for policies with premium paying term of 3 years
  • No-claim bonus up to 100% of sum insured
  • Yearly health check-up
  • Organ donor expenses covered (up to sum insured)
  • Option to select critical illness cover/hospital cash
  • Smart Health Insurance Plan
  • You get coverage up Rs. 5 lakhs
  • If no claims are made, renewal discount of 5% up to 25% can be availed
  • Critical illness cover is inbuilt
  • Dread disease recuperation benefit is provided for critical illness

 

  • Car Insurance – Bharti AXA’s Smart Drive Private Car Insurance Policy covers loss or damage to the insured vehicle, liabilities to third parties and provides personal accident cover for owner/driver. Some of the add-ons available under this plan are Hydrostatic lock cover, Zero Depreciation cover and Co-Passenger cover.
  • Personal Accident Insurance – Bharti AXA’s Smart Personal Accident Insurance Plan gives you the option of choosing sum insured of up to Rs. 30 lakhs. The plan will pay compensation in the event of accidental death, permanent total disability and permanent partial disability.
  • Student Travel Insurance – Bharti AXA’s Smart Traveller Student Insurance Policy covers various risks faced by students going abroad for studies. The policy comes with 4 variants – Standard, Silver, Gold, and Platinum, with varying levels of sum insured and medical cover.
  • Two Wheeler Insurance – Bharti AXA’s Two Wheeler Insurance can be availed in two forms – third-party liability coverage or comprehensive insurance. The add-ons available under this plan are Personal Accident Cover for Occupants and Zero Depreciation Cover.
  • Critical Illness Insurance – Bharti AXA’s Smart Critical Illness Insurance Plan pays out lump sum benefits ranging from Rs. 2 lakhs up to Rs. 5 lakhs on the first diagnosis of any of the listed critical illnesses. Based on your requirement, you can choose individual plan (for yourself) or family floater plan (for yourself and your family).
  • Individual & Family Travel Insurance – Bharti AXA’s Smart Traveller Individual/Family Insurance Policy comes in 4 variants – Schengen Country Insurance, Annual Multi-Trip Insurance, Non-Schengen Country Insurance and Single Trip Travel Insurance. The plan covers loss of essentials, hijack distress and trip cancellation, among other events.

Bharti AXA General Insurance Company is one of the trusted names in the insurance industry and you can surely rely on them for your insurance needs. To find the most suitable Bharti AXA plan, visit an online insurance broker, such as Coverfox.com. Here, you can compare policies offered by Bharti AXA General Insurance Company with policies of other insurance companies and purchase the cover which matches your needs the best.

Be the first to comment

Leave a Reply

Your email address will not be published.


*