Bharti AXA Smart Individual Personal Accident Insurance Policy

Policy Benefits

• Accidental Death is covered up to the sub limits mentioned, when occurred within 12 months from the date of injury.
• Permanent total disablement is covered as mentioned in the policy, when occurred within 12 calendar months from the date of such injury.
• Permanent partial disablement is covered up a specified percentage of indemnity as provided in the policy.
• Temporary total disablement is covered up to the sub-limits mentioned.
• Hospital daily cash is payable under this policy. This benefit is available on payment of additional premium.
• Expenses incurred towards the transportation of mortal remains are covered.
• Funeral expenses are covered as per the limits specified.
• Education grant for children up to 23 years of age is available under this plan.
• Accidental medical expenses are covered up to the limits mentioned. This benefit is available as an add-on cover.
• Double indemnity on occurrence of death or permanent total disablement is available. It is an add-on cover.
• Legal expenses incurred due to death or bodily injury are covered. This benefit is available as an add-on cover.

Value Added Benefits

• Enjoy No documentation and zero medical tests.
• This policy provides worldwide coverage, so stay covered wherever you go.
• Sum Insured Enhancement can be opted at the policy renewal, provided no claim has been lodged/paid.
• In case of accidental death, permanent total disability, & permanent partial disability, Sum Insured is increased by 5% on renewal for each claim-free policy year, to a maximum of 50% of the capital sum insured.

Sub Limits

• Accidental Death is capped in a range of Rs 2 Lacs to Rs 20 Lacs, as per the plan chosen.
• Permanent total disablement is covered in a range of Rs 3 Lacs to Rs 30 lacs, as per the plan opted.
• Permanent partial disability is covered in a range of 3% to 75%, depending on the condition.
• Double indemnity is applicable. For death (Smart PA Silver)- Rs 20 Lacs, (Smart PA- Gold)- Rs 40 Lacs. For permanent total disablement (Smart PA Silver)- Rs 30 Lacs, (Smart PA- Gold)- Rs 60 Lacs).
• For Smart IPA- Standard with/without medical expenses plan, temporary total disability is covered up to 1% of Accidental Death SI per week, to a maximum of Rs 5,000. For Smart PA- Silver & Smart PA- Gold Plans, it is covered up to 1% of Accidental Death SI per week, to a maximum of Rs 10,000. This benefit is payable for 104 weeks.
• Hospital daily cash allowance of Rs 200 for Smart PA- Standard with/without medical expenses plan, Rs 500 for Smart IPA- Silver & Rs 1000 for Smart PA- Gold Plan.
• Transportation of mortal remains is covered up to 1% of Accidental Death SI.
• Funeral expenses are covered in a range of Rs 2,000 to Rs 5,000 as per the plan opted. This benefit is applicable for Smart PA- Standard with medical expenses plan, Smart PA Silver & Gold Plan.
• Accidental medical expenses are covered up to 20% of Accidental Death SI. This benefit is applicable for Smart PA- Regular, Smart PA- Standard with medical expenses plan, Smart PA Silver & Gold Plan.
• Education grant of Rs 10,000 for each child is payable. This benefit is applicable for a maximum of 2 children.
• Legal expenses for accidental death or any bodily injury is payable up to Rs 5000. This benefit is applicable for Smart PA- Standard with/without medical expenses plan, Smart PA- Silver & Gold Plan.

Waiting Period Clause

No waiting period is applicable under this policy.