Bharti AXA | Best Insurance| General Insurance
General Insurance

Bharti AXA

MOTOR INSURANCE PLANS

Customizing your car insurance as per your needs for superior protection got a lot easier with Bharti AXA GI. We provide you with customized recommendations for motor add-ons specifically suited to your needs based on details pertaining to your vehicle age, make and model among several factors. We understand that each customer is unique with a precise set of needs.

We therefore enable you to choose the right add-ons by not just recommending them but also explaining in a transparent and simple manner how each recommended add-on can benefit you. Our goal is to ensure that you select and combine the right add-ons with Bharti AXA’s comprehensive car insurance so that you have full protection at the time of a claim. Whether it’s coverage for fender benders, keeping your ‘No claims bonus’ intact, protection for your engine from water ingress or maybe just tow-away assistance, we have it all.

With the help of our customized recommendations you can choose from a host of add-ons designed to protect you in practically all kind of situations you may encounter.

Over and above the advantages of our comprehensive motor insurance offering all customers enjoy the benefits of our large cashless network of over 2300 garages pan India irrespective of the plan opted for. In addition we also offer 24x7 claims assistance, an easy claim settlement process and a No Claims Bonus (NCB) up to 50% on car insurance renewal from Bharti AXA GI or any other insurance provider.

After a quick description of our Basic insurance cover given is a list of some commonly used motor insurance add-ons most of our customers benefit from.

Basic Insurance Cover

  • Cover includes comprehensive car insurance
    • by fire explosion self-ignition or lightning
    • by burglary housebreaking or theft
    • by riot and strike
    • by earthquake (fire and shock damage)
    • by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost
    • by accidental external means
    • by malicious act
    • by terrorist activity
    • whilst in transit by road rail inland-waterway lift elevator or air
    • By landslide rockslid.
  • Third Party Liability (if some third party files a claim against you for injury or damage to their car or property)
  • Personal Accident cover for the driver offering a compensation of up to Rs. 2 lakhs in the event of death/permanent total disablement arising from car accident

Our Add-ons

    Depreciation cover Typically under standard comprehensive motor policy, in case of a claim, the insured receives an amount that is subject to depreciation. He/she therefore receives an amount lower than the actual repair expense. With Depreciation cover the insured receives the depreciation amount deducted on the value of the parts replaced. This is applicable for up to 2 admissible claims.

    Hydrostatic Lock Cover Driving or even parking your vehicle in a water-logged area can expose it to the risk of water entering its engine. In such a situation in case you even turn on the ignition key you can cause massive engine damage. Further, your insurance company is likely to consider this damage as a consequential loss and will not cover it. Hydrostatic lock cover covers damage to the engine on account of water entering it and is particularly useful in areas of high rainfall and frequent flooding.

    No Claims Bonus Protector You get a No-Claim Bonus (NCB) for every claim free year. This NCB slab increases for every claim free year and can go up to 50%. One single claim reduces your NCB to zero. NCB protector cover protects your NCB up to two claims during your policy period. It is particularly recommended for NCB accumulation of over 25%.

    Roadside Assistance A vehicle break down in the middle of nowhere can be very traumatic. Finding tow-away or a mechanic to help can be an exhausting ordeal. Roadside assistance cover provides assistance for on road repair relating to minor breakdowns, towing your car to the nearest garage, changing of a flat tyre, replacing lost keys and arranging for emergency fuel.

Key Features of Depreciation Cover

  • 100% repayment on the depreciated parts at the time of claim settlement
  • Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts.
  • Vehicle is not more than 5 years old from the date of purchase (i.e. month and year of manufacturing).
  • The company shall pay the Depreciation amount deducted on the value of the parts replaced for upto 2 admissible claims * under Section I of the policy.

Inclusions

  • Loss or damage to the insured vehicle due to:
    • Fire/Earthquake/Flood/Cyclone
    • Accident/Terrorism/Riots/Strikes
    • Accident by external means
    • Transit by road, rail, inland waterways, air or lift
  • Personal Accident Cover for Owner-Driver Compensation for death or death sustained by the owner or driver of the insured car due to a violent, accidental, external and visible means while travelling in the vehicle or during mounting into/dismounting from the car.
  • Third Party Bodily Injury Liability Bharti AXA General Insurance will take care of the compensation for damages or liability that causes bodily injury or death to another person following a car accident.
  • Property Damage Liability Compensation for damage or liability to other's property will be taken care of by Bharti AXA General Insurance, subject to the limits mentioned in the policy.

Exclusions

  • Common wear and tear of the vehicle
  • Loss or damage due to depreciation of vehicle
  • Electrical & mechanical breakdown
  • Loss or damage due to depreciation of vehicle
  • Loss or damage incurred outside the geographical area of India
  • Loss or damage caused when driving under intoxication
  • Loss or damage caused by an unauthorized person without a valid driving license
  • Loss or damage due to nuclear risks
  • Vehicle being used otherwise than in accordance with restrictions as to use

Let go of all concerns of liability, theft and accident and enjoy an untroubled worry free ride with Bharti AXA GI’s Two Wheeler Insurance. Our product gives you access to a vast pan India cashless network constituting over 2,000 garages. Enjoy benefits of 24x7 claims assistance and the convenience of hassle free claim settlement process.

Get a No Claims Bonus (NCB) of up to 50% on your two wheeler insurance renewal even if it’s from another insurance provider. So wait no more and pick from two tailored options to fulfil your two wheeler insurance requirements now!

Basic Insurance Cover

  • Provides comprehensive two wheeler insurance( covers you when your bike sustains damage due to an accident, fire or is stolen,)
  • Third Party Liability (Kicks in case of a claim against you for injury or damage to third party person(s), vehicle or property)
  • Get additional discounts on your online two wheeler insurance premium with Voluntary Deductible.

Basic Insurance Cover + Personal Accident Cover

  • All benefits of Basic Insurance Cover
  • Personal Accident Cover for both passengers of the two wheeler (rider and pillion rider) that provides a compensation of Rs. 1 lakh per rider in the event of death/permanent total disablement arising from two wheeler accident

Inclusions

Your bike insurance policy would cover the following:

  • Loss or damage to the insured vehicle due to :
    • Fire/Earthquake/Flood/Cyclone
    • Accident/Terrorism/Riots/Strikes
    • Accident by external means
    • Transit by road, rail, inland waterways, air or lift
  • Personal Accident Cover for Owner-Driver Compensation for death injury/death sustained by the owner-driver of the insured car caused due to violent, accidental, external and visible means while travelling in the vehicle or during mounting into/dismounting from the car.
  • Third Party Bodily Injury Liability Compensation for damage or liability causing bodily injury or death to another person will be taken care of by Bharti AXA General Insurance.
  • Property Damage Liability Compensation for damage or liability to other's property will be as per legal proceedings, subject to the limits mentioned in the policy.

Exclusions

Your bike insurance policy excludes:

  • Common wear and tear of the vehicle
  • Loss or damage due to depreciation of vehicle
  • Electrical & mechanical breakdown
  • Loss or damage incurred outside the geographical area of India
  • Loss or damage caused when driving under intoxication
  • Loss or damage caused by an unauthorized person without a valid driving license
  • Loss or damage due to nuclear risks
  • Vehicle being used otherwise than in accordance with restrictions as to use

HEALTH INSURANCE PLANS

With Bharti AXA GI’s Comprehensive Health Insurance plans you can enjoy product benefits that address not just your health insurance needs but the requirements of your entire family. Pick from any of our three affordable plans that provide you with the flexibility to suit your needs and budget.

Key Benefits

  • Access to our vast pan India Cashless Network comprising 4300+ hospitals
  • Coverage of Day-care procedures costs
  • Reimbursement of Pre and post hospitalization related expenses
  • Twice the sum insured in case of diagnosis of any of the 20 main critical illnesses (on selected health plans)
  • Unlimited room rent (on selected health plans)
  • Benefit of lifelong renewal
  • Tax benefits of up to Rs 25,000 under section 80 (D)
  • Multichannel 24x7 claim intimation and assistance
  • Simple, hassle free claim settlement process
  • Renewal discount of 5% each claim free year up to a maximum of 5 years on a progressive scale
  • Dedicated Claims Handler for health insurance claims

Help Me Choose My Plan

Health insurance needs to vary in accordance with your age group, family size and type. Bharti AXA GI helps you pick a plan to adequately meet your needs and the needs of your spouse and children.

  Family Type
Age Group Individual Plan Family - 2 Members Family - 4 Members Family - 3 Members
2-35 Yrs Rs. 5 lakhs plan Rs. 5 lakhs plan Rs. 3 lakhs plan Rs. 3 lakhs plan
36-45 Yrs Rs. 5 lakhs plan Rs. 3 lakhs plan Rs. 3 lakhs plan Rs. 3 lakhs plan
46-55 Yrs Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan
56-65 Yrs Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan Rs. 2 lakhs plan
Available Online, No medical tests

Available through Call- centre (please call at 080-49010200) and at branches

Optimum plan Rs. 3 lakhs and Rs. 5 lakhs sum insured can be offered from 5 years to 55 years only. Medical test is mandatory for all cases above 45 years age.

Rs. 3 lakhs and Rs. 5 lakhs plan includes critical illness cover which is given as lump sum compensation in the event you are diagnosed with any of the 20 main critical illnesses covered. In such an event you will be entitled to get double the sum insured, which means for Rs. 3 lakhs and Rs. 5 lakhs cover, you will receive hospitalization benefit of of Rs. 3 lakhs and Rs. 5 lakhs and additional lump sum amount of Rs. 3 lakhs and Rs. 5 lakhs respectively.

This cover is applicable after 60 days of inception of the policy and is subject to 30 days survival period and is separate and additional to the hospitalization cover. You can use this money as you wish, to cover your medical bills or maintain your family.

Inclusions

  • Day care treatment where 24 hours of hospitalization is not required for treatments like dialysis, chemotherapy, eye surgery, lithotripsy, etc., undertaken in a hospital
  • Domiciliary hospitalization where care and treatment is taken at home exceeding 3 days for disease, illness or injury
  • Critical Illness covered:
    • Cancer
    • First Heart Attack
    • Coronary Artery Disease
    • Coronary Artery bypass surgery
    • Heart Valve Surgery
    • Surgery to Aorta
    • Stroke
    • Kidney Failure
    • Aplastic Anemia
    • End Stage Lung Disease
    • End Stage Liver Failure
    • Coma
    • Major Burns
    • Major Organ/Bone Marrow Transplantation
    • Multiple Sclerosis
    • Fulminant Hepatitis
    • Motor Neurone Disease
    • Primary Pulmonary Hypertension
    • Terminal Illness
    • Bacterial Meningitis

Exclusions

  • Hospitalization expenses for treatment taken for disease or illness within 30 days of inception of the policy. This clause is not applicable on subsequent renewals.
  • First 2 years exclusions include:
    • Cataract, laser surgery
    • Myomectomy, Hysterectomy unless because of malignancy
    • Dilation and curettage
    • Hernia, Hydrocele, fistula in anus, sinusitis, hemorrhoids/piles
    • Joint replacement, unless due to accident
    • All types of skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
    • Dialysis required for chronic renal failure
    • Gastric and duodenal erosions & ulcers

Bharti AXA Critical Illness insurance covers you in the event you are diagnosed with any of the 20 critical illnesses covered. Upon diagnosis and a survival period of 30 days, we pay you a lump sum compensation equivalent to the sum insured of your plan - Rs. 2 lakhs, Rs. 3 lakhs or Rs. 5 lakhs. You can use this money as you wish, to cover your medical bills or maintain your family.

It is simple and easy to get Critical Illness insurance:

  • No medical check-up up to 45 years
  • Lifetime renewal
  • Tax benefit under section 80 (D)
  • 24x7 claim assistance and easy claim settlement process
  • 5% renewal discount every year maximum up to 25% on a progressive scale

Inclusion

20 major Critical Illness covered by Bharti AXA are:

  • Cancer
  • First Heart Attack
  • Coronary Artery Disease
  • Coronary Artery bypass surgery
  • Heart valve surgery
  • Surgery to Aorta
  • Stroke
  • Kidney Failure
  • Aplastic Anemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma
  • Major Burns
  • Major Organ/Bone Marrow Transplantation
  • Multiple Sclerosis
  • Fulminant Hepatitis
  • Motor Neurone Disease
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis

We work with major insurance companies