Bharti AXA General Insurance Company Private Limited

Bharti AXA general insurance Company Private Limited is a joint association between Bharti Enterprises, which holds 74% of the stake and AXA Group, which holds 26% of the stake. It is one of the biggest private Insurance companies in India.

Bharti AXA insurance Company provides general insurance policies to retail and commercial clients. The different plans offered by the company include Bharti AXA health insurance (also known as Bharti AXA Medical Insurance), Bharti AXA car insurance, Bharti AXA Motor Insurance, Bharti AXA Vehicle Insurance, Bharti AXA Life Insurance etc.

Bharti AXA General Insurance Company commenced its operations in 2008 and became the first company to win a dual certification of ISO 9001:2008 and ISO 27001:2005. The company is headquartered in New Delhi and works across 20 countries in Asia and Africa. Some of the awards won by the company are mentioned below.

Awards Won by the Bharti AXA General Insurance Co. Ltd

Over the years, the company has bagged a myriad of awards and recognitions, such as:

• Personal Lines Growth Leadership Award 2011 at the India Insurance Awards 2011.
• Award for consistent performance and growth from the period of 2008 to 2011.
• Best Product Innovation Award 2012 and Commercial Lines Growth Leadership Award 2012 at the India Insurance Awards 2012.
• Finnoviti: Editor's choice award for service innovation 2013.
• Outstanding Performance in Insurance Category Award 2013.
• Excellence Award by the Institute of Economic Studies in March 2014.
• Asia Insurance Industry Awards 2014 for Tech Initiative of the Year.
• Proclaimed the 'Best Insurance Company in the Private Sector - General' by the World HRD Congress at the BFSI Awards, 2014.

Plans Offered by Bharti AXA General Insurance

Here is the list of insurance plans by Bharti AXA General Insurance Company that you can explore before making a choice:

1) Bharti AXA Health Insurance Plans

Bharti AXA offers a Range of health insurance plans designed to address various healthcare needs. Their policies provide comprehensive coverage against medical expenses, including hospitalisation, treatments, and other related costs.

Bharti AXA health insurance plans also offer benefits such as cashless treatment at network hospitals, coverage for pre-existing diseases after a waiting period, and options for add-on covers. Additionally, they provide tax benefits under section 80D of the income tax Act.

The company provides the following plans under the health insurance category:

• Bharti AXA Smart Health Assure Plan
• Bharti AXA Smart Super health insurance plan
• Bharti AXA Smart Health Insurance Classic Plan
• Bharti AXA Smart Health Insurance Uber Plan
• Bharti AXA Smart Health Critical illness insurance Plan
• Bharti AXA Smart Individual personal accident insurance Plan

Inclusions of Bharti AXA Health Insurance Plans

Here is everything included in this plan:

• Medical conditions like dialysis, chemotherapy, eye surgery, lithotripsy, and similar treatments not requiring hospitalisation exceeding 24 hours
• Diseases or injuries necessitating domiciliary hospitalisation (medical intervention and rest at home) exceeding three days

Critical illnesses that are covered under these plans include:

• Cancer
• First heart attack
• Coronary heart disease
• Coronary artery bypass surgery
• Heart valve surgery
• Aortic surgery
• Stroke
• Kidney failure
• Aplastic anemia
• End-stage lung disease
• End-stage liver failure
• Coma
• Major burns
• Organ or bone marrow transplantation
• Multiple sclerosis
• Fulminant hepatitis
• Motor neurone disease
• Primary pulmonary hypertension
• Terminal illness
• Bacterial meningitis

Exclusions of Bharti AXA Health Insurance Plans

Here is everything excluded from these plans:

• Hospitalisation for diseases or injuries within the first 30 days of policy inception (except for renewals)

Medical conditions that are not covered for the initial two years from policy inception are:

• Laser or cataract surgery
• Dilation and curettage
• Non-accidental joint replacements
• Chronic renal failure requiring dialysis
• Myomectomy or hysterectomy (unless due to malignancy)
• Circumcision, sex change, and similar treatments
• Dental procedures
• Hernia, hydrocele, fistula in anus, sinusitis, and haemorrhoids/piles
• Birth, pregnancy, and fertility-related procedures (e.g., birth control, caesarean section)
• Gastric and duodenal erosions and ulcers
• HIV/AIDS and related diseases
• Routine eye and ear examinations, including spectacle costs
• Skin conditions such as internal tumours, cysts, nodules, and polyps (unless malignant)
• Suicide, self-inflicted illnesses, mental disorders, anxiety, stress, or injuries/illnesses due to alcohol or drugs

2) Bharti AXA Life Insurance

Bharti AXA Life Insurance provides comprehensive coverage tailored to individual needs, Offering financial security and peace of mind. Their life insurance plans include options for Term Insurance, savings, retirement, and health-related policies, catering to diverse requirements. The company's offerings ensure financial protection for policyholders and their families against unforeseen circumstances, providing benefits like death cover, critical illness cover, and investment opportunities for long-term Financial goals.

Here is the list of insurance plans you can find under this category:

• Term Insurance
• Child Insurance Plan
• Savings Plan & Investment
• Term Insurance with Return of premium
• Unit Linked Insurance Plan
• Endowment Plan
• Moneyback Policy
• Whole Life Insurance
• Group Life Insurance
• Retirement Plans

Inclusions of Bharti AXA Life Insurance Plans

Here is everything included in this plan:

• Lump-sum payment to the nominee in case of the insured's demise during the policy term
• Payment of the sum assured on survival till the end of the policy term
• Financial protection against specified critical illnesses, providing a lump-sum payout upon diagnosis
• Additional benefit payable in case of death due to an accident
• Premiums paid are eligible for tax deductions under Section 80C of the Income Tax Act, and proceeds are tax-free under Section 10(10D)

Exclusions of Bharti AXA Life Insurance Plans

Here is everything excluded from these plans:

• No benefit is payable for suicide within the first year of the policy
• Policy void in case of misrepresentation or non-disclosure of material facts
• Some illnesses may not be covered under the critical illness benefit
• Coverage ceases on non-payment of premiums beyond the grace period

2) Bharti AXA Car Insurance

The company offers inclusive car policies, covering third-party liability for bodily injury, death, or property damage, repair/replacement costs and personal accident coverage. Renewals feature up to 50% no-claim bonuses. Their Pay As You Drive insurance caters to occasional drivers with reduced premiums.

Here are the insurance plans that you can explore under this category:

• Bharti AXA Third-Party Private Car Policy
• Bharti AXA Stand-Alone Own Damage Private Car Policy
• Bharti AXA Private Car Package Policy

Inclusions of Bharti AXA Car Insurance Policies

Here is everything included in these policies:

• Compensation for bodily injury, death, or property damage caused to third parties
• Repair or replacement costs for damage to your vehicle due to accidents, theft, fire, or natural calamities
• Financial protection against accidental death or permanent disability of the insured

Exclusions of Bharti AXA Car Insurance Policies

Here is everything not included in these policies:

• Operating the vehicle under the influence of alcohol or intoxicating substances during an accident
• Intentional accidents or staged losses
• Driving on the wrong side of the road.
• Driving without a valid license or while underage
• Using a personal vehicle for business purposes
• Expired Insurance Coverage, contractual liability, consequential damages, electrical/mechanical failure, normal wear and tear, or driving outside designated geographical boundaries

3) Bharti AXA Two Wheeler Insurance Plan

The Bharti AXA Two-Wheeler Insurance policy safeguards the insured vehicle against damage caused by natural disasters, theft, and accidents. Additionally, in compliance with legal requirements, it covers liability for third-party injury, death, and property damage. This policy extends its coverage beyond two-wheelers, including auto-cycles and mechanically assisted pedal cycles.

Here are the policy plans you can explore under this category:

• Two-wheeler motor insurance
• Two-wheeler long-term package policy
• Third-party liability coverage

Inclusions of Bharti AXA Two-wheeler Insurance Policies

Here is everything included in these policies:

• Loss of or damage caused by fire, explosion, self-ignition, or lightning
• Burglary, housebreaking, or theft of the vehicle
• Damage to the vehicle because of natural occurrences like earthquakes, floods, cyclones, hailstorms, or frost
• Damage due to mob activities, riots, or terrorist activities
• Damage while in transit by road, rail, inland waterway, lift, elevator, or air
• Compensation for death or bodily injury to any third person, including the pillion rider
• Compensation for damage to property other than that belonging to the insured
• Compensation for bodily injury or death sustained by the Owner-Driver due to a violent accident

Exclusions of Bharti AXA Two-wheeler Insurance Policies

Here is everything not included in these policies:

• General ageing or regular wear and tear of the bike due to usage
• Mechanical or electronic breakdown of the vehicle
• Usage of the vehicle for purposes other than specified
• Consequential loss or Depreciation
• Damage caused by or to a person without a valid license driving the vehicle
• Damage caused by or to a person driving under the influence of an intoxicating substance
• Loss or damage resulting from mutiny, war, or nuclear risk

4) Bharti AXA Home Insurance Plan

Bharti AXA Home insurance offers comprehensive coverage for homeowners, protecting against various risks and ensuring financial security. The policy covers damages or losses from fire, theft, natural disasters, and other unforeseen events. Additionally, it provides coverage for household contents, personal belongings, and legal liabilities arising from property ownership.

Inclusions of Bharti AXA Home Insurance Policies

Here is everything included in these policies:

• Protection for the building, fittings, and fixtures against perils like earthquakes, including underground utilities (sewer and water lines, electricity cables, drain inspection covers)
• Coverage for alterations, improvements to the building structure, and Capital additions (up to 10% of the sum insured)
• Includes tenant fixtures, costs of fire extinguishing, and loss or damage to locks and keys by accident
• Insurance covers contents within the house, including appliances, furniture, glass, and sanitary ware against fire, perils like earthquakes, and burglary
• Coverage for valuables such as jewellery and loss of documents like passports
• Compensation for loss or damage to contents during transportation to a new home by professional packers and movers
• Compensation for loss of rent if the structure or a specific section of the house becomes unfit for occupation, providing alternate rental accommodation
• Coverage for up to three pedigree pets, compensating for theft or accidental death
• Legal liability coverage for third parties and domestic servants

Exclusions of Bharti AXA Home Insurance Policies

Here is everything not included in these policies:

• Damage or loss to covered items due to war or war-like operations
• Purported or willful acts of negligence by the insured or any occupants in the insured home

5) Bharti AXA Travel Insurance

Bharti AXA Travel Insurance provides comprehensive coverage for all your travel needs. Whether you encounter lost baggage, missed flights, or other standard travel issues, having the support of BHARTI AXA Travel Insurance ensures a smoother resolution.

From this company, you can expect the following travel insurance plans:

• Bharti AXA Smart Traveller Basic Insurance Plan
• Bharti AXA Smart Traveller Regular Insurance Plan
• Bharti AXA Smart Traveller Essential Insurance Plan
• Bharti AXA Smart Traveller Silver Insurance Plan
• Bharti AXA Smart Traveller Gold Insurance Plan

Inclusions of Bharti AXA Travel Insurance Policies

Here is everything included in these policies:

• Covers emergency medical evacuation and transportation of mortal remains in case of death during travel
• Includes coverage for death and permanent disability (partial or total) during travel
• Offers additional benefits for permanent total disability or accidental death while travelling in a common carrier
• Reimburses expenses for losing travellers' cheques or travel documents, including passports
• Provides compensation for delayed or lost checked-in baggage
• Reimburses expenses in case of trip delay or cancellation
• Covers expenses for damage to the home or contents caused by fire, burglary, etc., while travelling

Exclusions of Bharti AXA Travel Insurance Policies

Here is everything not included in these policies:

• Unless necessitated by an accident or routine medical examination, cosmetic surgery is not covered
• Injuries sustained during activities like bungee jumping may not be covered, subject to the company's decision
• Claims arising from terrorist activities are not covered
• The loss of a passport or other documents must be reported to local authorities within 24 hours to receive coverage; unattended items in public places are also not covered.
• Partial loss of checked-in items within luggage is not covered

6) Bharti AXA Personal Accident Insurance

The plans offered by Bharti AXA General Insurance ensure full protection to give you peace of mind. With its digital facilities, one can buy and customise Bharti AXA General Insurance online as well. Now, you can make a claim or renew your policy in just a click.

Conclusion

The plans offered by Bharti AXA General Insurance Company ensure full protection and peace of mind. With its digital facilities, one can buy and customise Bharti AXA General Insurance online. Now, you can claim or renew your policy with just a click.