Bharti AXA Smart Individual

Different types of Insurance policies are designed to cater the needful to the customers. They offer personal security to the individuals in any unsolicited situation. Bharti AXA Smart Individual insurance plan is a health insurance plan which is committed to provide coverage in physical loss or permanent disablement due to accident.

Information about all inclusions and exclusions, benefit structure and variants are as following.

You need to know the regular benefits

  • Accidental death is covered in this policy.
  • Coverage is obtainable for permanent total disablement and permanent partial disablement also.
  • Documentation is not needed for the submission of claim.
  • Medical test is not required for issuing the policy.
  • In case of death or disablement of the insured person, the expenses for the education of his or her children are covered.

Additional benefits that can make the policy more comprehensive

  • The insured person can be compensated with 125% of the total sum insured in case of permanent total disability due to accident.
  • The expenses for the education of insured person's children are provided in case of physical loss or permanent total disability.
  • The insured person can get 5% of cumulative bonus for a claim free year which can be increased up to 50%.

Variants that you choose from

Different sorts of plans are available under this policy. These types are-

  • Smart Individual Personal Accident Basic plan.
  • Smart Personal Accident Standard without Medical
  • Smart Personal Accident Standard
  • Smart Personal Accident Gold

Facilities that are given according to variant of plans

Available in variants
Temporary total disablement
Standard without medical, Standard and Gold
Reimbursement for funeral expenses
Standard and Gold
Daily cash allowance during hospitalization
Standard without medical, Standard and Gold
Medical expenses caused by accident
Standard and Gold
Double indemnity (in case of death or permanent total disability during travelling in public vehicle)
Standard and Gold
Legal expenses against the insured person
Standard without medical, Standard and Gold

Look at the eligibility for issuing policy

All individuals are not eligible to issue an insurance policy like this. There are boundaries in age and you can be insured up to a specific age. Renewal is not available for lifelong and there is not any option to opt for policy term.

Policy terms
1 Year
1 Year
Entry age
3 Months
65 Years
Age of renewal
65 Years

Few things are excluded from the coverage of policy

The following incidents are not covered under this policy.

  • Medical expenses or death case that is not caused by an accident are not covered under this policy.
  • Death or physical disablement that is prolonged by or caused by child birth or arise from pregnancy, is not entertained by the insurer.
  • Reimbursement for more than one of the preceding Clauses in reverence of the same period of disablement except the Add-on covers.
  • Compensation is not obtainable in case of death, physical injury or disability of the insured individual caused by war or war like operations or any nuclear peril.