• Bharti AXA Smart Individual Personal Accident Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Bharti AXA offers a variety of health insurance policies, each catering to the needs of different customers. The Smart Individual Personal Accident plan is a health insurance plan that covers major accident resulting in death or permanent disability. It also covers minor injuries from burns, slipping down the stairs and other minor everyday injuries. In this plan premium needs to be paid as a lump sum amount and one can avail a cover of one year. The policy can be availed for the entire family.

    It is available in three plans of Rs.10 lakh, Rs.20 lakh and Rs.30 lakh with premium starting at Rs.899.

    Features & Benefits - Bharti AXA Smart Individual Personal Accident:

    Entry age Minimum age: 3 months Maximum age: 55 years
    Policy term 1 year
    Maximum age for renewal 65 years
    Covers
    • Medical expenses for treatment of everyday injury as an in-patient or out-patient
    • Accidental death
    • Hospitalisation cost
    • Permanent total and partial disablement
    • Transportation of mortal remains
    • Funeral expenses
    • Education grant
    • World-wide cover
    • Terrorism cover
    • Temporary total disablement
    • Double indemnity for death or permanent total disablement while travelling in public transport
    Variants
    • Smart PA Basic-
    • Smart PA Standard without medical- Temporary Total Disablement Benefit, Legal expenses reimbursement
    • Smart PA Standard- Accidental Medical Expenses reimbursement,Temporary Total Disablement Benefit
    • Smart PA Gold- Legal expenses reimbursement,Temporary Total Disablement Benefit,Funeral Expenses reimbursement
    Benefits
    • Accidental death benefit
    • Permanent total disability
    • No documentation
    • No medical tests
    • Covers the whole family
    Additional benefits
    • High compensation of 125% of the sum insured in case of permanent total disability.
    • Children’s education bonus in case of death or total permanent disability.
    • Cumulative bonus at 5%per claim free year to a maximum of 50%
    Tax benefits There are no tax benefits under this plan
    Exclusions
    • Non Accident Cases are not entertained in this plan
    • Death or disablement caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence of pregnancy or childbirth.
    • Compensation under more than one of the foregoing clauses in the respect of same period of disablement except the add-on covers.

    Read terms, conditions and exclusions mentioned in the policy document.

    Find cashless network hospitals nearby: Bharti AXA Health Insurance Network Hospitals

    Other Health Insurance Plans from Bharti AXA

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Bharti AXA Smart Individual Personal Accident Plan Reviews

  • Page 1 of 4 1 2 3 4
    • review Health Insurance
      "Good Service Full Family Coverage"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bharti Axa Insurance Company. I don't have any claim experience with the policy. I am an Air force Employee, it is provided by the defense department. It offers protection for full family and I never faced any issues with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • review Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bharti Axa from last 2 years, i am not aware of the premium amount as my company pays it. I have a coverage value of Rs 5 lakhs which is quite sufficient fort this insurance and i do not have any claim experience with this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 11, 2018
    • review Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Bharti Axa general insurance from last 2 years and it is a good insurance policy to use. I pay a premium of Rs 12000 which has to be paid every year for this insurance. I do not have claim experience so far with this insurance and i have a coverage of Rs 4-5 lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2018
    • review Health Insurance
      "Better Policy to use"
      0.5 4.0/5 "Great!"
      I got the Basic smart group health insurance policy with bharthi Axa general insurance company. I have got this policy around 4 months ago. My company has provided this policy and the renewal amount will be deducted from my salary. This policy covers 3 members in my family, and it has the medical coverage of Rs,2,00,000. I would be paying Rs,7200 as premium amount per annum.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 09, 2018
    • review Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The Bharathi axa health medicliam policy has been used by me for more than 2years. The customer support is good with the Bharti axa. This policy covers 3 members in my family. I can claim up to 3 lakhs with this mediclaim health insurance policy. The cashless treatment options are also available with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2017
    • review Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was been six months I have taken the home insurance with BAHRATHI AXA but till now I have not got my policy details till now but the staffs of BAHRATHI AXA was friendly in respond and the documents have been collected from my door step which was very easy ,it was a good experience with BHARATHI AXA for my home insurance service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • review Health Insurance
      "average service"
      0.5 3.5/5 "Pretty good"
      I have taken a health insurance service with BHARATHI from my office I have filled which contains all the details of mine so the whole process and the documentation part have been taken cared through my office ,so I am not sure about the other service ,it was a good experience from BHARATHI.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • review Health Insurance
      "Good health insruance"
      0.5 5.0/5 "Blown Away!"
      Every person had to take Bharathi axa because it is very much helpful. I am holding this insurance for about 3.5 years. I normally pay the premium through online. Claim settlement went very well when I was hospitalized total expenses incurred was 40k and I had to pay only 2 k from my end and the rest was borne by Bharthi Axa
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 10, 2017
    • review Health Insurance
      "Good health insruance"
      0.5 5.0/5 "Blown Away!"
      Every person had to take Bharathi axa because it is very much helpful. I am holding this insurance for about 3.5 years. I normally pay the premium through online. Claim settlement went very well when I was hospitalized total expenses incurred was 40k and I had to pay only 2 k from my end and the rest was borne by Bharthi Axa
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 10, 2017
    • review Health Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I am having health insurance policy with the Bharti axa general insurance company. I have not faced any claims with them and its been provided by my employer. Coverage value is good with them and I have heard that some of my friends have got the claim benefits within a week of time.
      Was this review helpful? 0
      , pune
      Reviewed on May 08, 2017
    • review Health Insurance
      "Disatisfactory Service"
      0.5 1.0/5 "Really Bad"
      I had taken Bharti Axa health insurance through online, their customer support was very lethargic in providing service, they have done the mistakes on my name and age, I had requested them to change then I have sent my pan card and other documents, finally they done the correction after a month. I paid the premium of 6200, they offered me the medical coverage of Rs.5 lakhs its for me and my wife.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 03, 2017
    • review Health Insurance
      "Good and helpful policy"
      0.5 4.5/5 "Excellent!"
      I got health insurance policy via my company with Bharathi axa life insurance. It covers only 4 people, excluding the parents, which is very useful for the family. My company will be paying around Rs.7000 per year to the health insurance company. Actually it is an group health insurance, which is useful in medical coverages and the cashless treatments. The policy is applicable only if the patient is hospitalized, not eligible for OPD check up. I had medical claim once for my spouse, it was totally cashless treatment with easy process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2017
    • review Health Insurance
      "Very good health insurance"
      0.5 3.5/5 "Pretty good"
      Bharathi Axa health insurance provides a coverage of one lakh and cashless benefit I did not get in touch with them. I am holding this bharthi axa life insurance one year the policy would get matured on June 2017. No other benefit in case of any medical issue I can approach them for the same. The company is paving the premium. The maturity amount is 8 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 03, 2017
    • review Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Bharathi Axa medical insurance is really good. They are providing very good and quick response. The claim disbursement and the claim settlement amount is really good. Reimbursement is of two types one is manual and the other one is cash less. In case if the hospital comes under the list we can produce the I card and get the cash less . In case if the list of hospitals does not come under the cover then we had to produce the medical bills and the get the claim.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 04, 2016
    • review Health Insurance
      "Good Services by TPA and Insurance company"
      0.5 4.5/5 "Excellent!"
      I have a group insuarnce from bharti AXA and United Health Parekh is TPA. Unfortunetly I have some health issue and has to go for Cashless hospitalization. and It was really hassle free. Also I filed for Pre and post hospitalization, It was also quite easy. I have applied for Non cashless tratment for my mother also which was also very smooth.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 08, 2016
    • review Health Insurance
      "Good coverage "
      0.5 4.0/5 "Great!"
      It was overall good experience with Bharthi Axa related to the health Insurance.They have offered a good coverage amount for the customer.The benefits offered for the health Insurance was much good with Bharthi Axa.I have not claimed yet through them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 24, 2016
    • review Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I do have life insurance policy with the Bharti Axa life insurance company and I took it long back ago. The customer service is fine with them and they used to be in touch with customer. The premium is around 4000 Rupees per annum and the total policy coverage value is around five lakh Rupees.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 15, 2016
    • review Health Insurance
      "Good Services"
      0.5 5.0/5 "Blown Away!"
      My health insurance is from Bharti- Axa. The services are good. They have a cash less facility as well. It is a corporate health insurance. The coverage is for my family and myself. The coverage is for three lakhs. Overall good. The premium is taken care by the company.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 11, 2016
    • review Health Insurance
      "Bad insurance company "
      0.5 0.5/5 "Unacceptable"
      My father is an policy holder in Bharti axa. He was admitted for an operation we told to the company they said that they ll clear it. But as the operation completed they said it's not under coverage and they canceled the claim it's not one it's for the second time. Very poor during emergency
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 11, 2016
    • review Health Insurance
      "Moderate..."
      0.5 3.0/5 "Satisfactory"
      I do have a claim experience and was good but not that satisfied. According to the paper that I had submitted, got the reimbursement. They had some slabs and accordingly they paid the amount. As for as we there wit this company the health insurance will persists in Bharti Axa because it is a company plan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2016
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