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Smart Individual Personal Accident Insurance

Statistics reveal that at least thirteen people die every hour in road accidents in India. Accident can make a
terrible impact on finances with increased spending towards treatment and disrupting income until recovery. In
such a bumpy scenario, it is personal accident insurance that can be vital to keep finances smooth and sailing.
Bharti AXA General Insurance provides extensive coverage and exclusive benefits under Smart Individual
Personal Accident Insurance Policy. The policy covers individual and his/her family against physical loss due to
death or disablement arising out of accidental bodily injury anywhere in the world.
Be safe with standard accident covers:
1. Accidental Death: It provides for payment of compensation on the insured persons death caused by bodily
injury arising out of accidental, violent, external and visible means and resulting in death within 12 (twelve)
calendar months of occurrence of the accidental injury.
2. Permanent Total Disablement: It provides for payment of compensation for bodily injury caused by
accidental, violent, external and visible means resulting in Permanent Total Disablement resulting from an
accident.
3. Permanent Partial Disablement: It provides for payment of compensation for bodily injury caused by
accidental, violent, external and visible means resulting in Permanent Partial Disablement within 12 (twelve)
calendar months of occurrence of such injury.
4. Temporary Total Disablement: It provides for payment of compensation for bodily injury caused by
accidental, violent, external and visible means resulting in Temporary Total Disablement. The compensation shall
be payable for the temporary period for which the Insured Person suffers from total disablement due to accidental
bodily injury.
Additional benefits:
1. Transportation of Mortal Remains: Payment of an allowance of 1% of the Sum Insured, towards expenses
incurred for transportation of Insured Persons dead body from the place of accident to the place of residence.
2. Funeral Expenses: Payment of an allowance towards expenses incurred for funeral in the case of accidental
death.

3. Education Grant for Children: Payment of a fixed allowance of Rs. 10,000 per dependent child up to the age
of 23 years pursuing studies in case of accidental death or the permanent total disablement of the Insured.
4. Hospital Daily Cash Allowance: This benefit provides for payment of a fixed allowance per day of
hospitalisation treatment in India for accidental bodily injury caused by accidental, violent, external and visible
means, if the hospitalisation exceeds a specified number of days. This benefit is provided for a maximum period
of 50 days after first two days of hospitalisation.
Click here to view detailed benefits of our Individual Personal Accident Policy.
What is not covered under the policy?
The Policy will not cover expenses relating to 1. Death or disablement caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or
in consequence of pregnancy or childbirth.
2. Compensation under more than one of the foregoing Clauses in respect of the same period of disablement
except the Add-on covers.
3. Payment of compensation in respect of death, injury or disablement of the Insured Person due to or arising out
of war and war like operations as well as nuclear perils.
Please Note: This literature only spells out the salient features of the cover. Please read the Policy Wordings for
more details on risk factors, terms and conditions.

Cashless Hospitals
http://www.bharti-axagi.co.in/hospital

Health Claim Form


http://www.bharti-axagi.co.in/sites/default/files/SmartHealth_Claim%20Form.pdf

Claim Process
Our proficient and skilled staff will do all it needs to make sure that you get your compensation as quickly as
possible. To serve you better we have tied up with the two main Health claims handlers, Paramount and
Emeditek

Emergency treatment at our Cashless network


Find the closest cashless hospital
Proceed to the admission with your health ID card
Ask the hospital to fill up the claims cashless request form and submit it to the insurance help desk at the
hospital or fax it to the number indicated in the form

We will notify you within 6 hours on receiving of the request via email and SMS

We will settle the bill directly with the hospital

Planned treatment at our Cashless network


4 days prior to the treatment, fill up the claims cashless request form and submit it to the insurance help
desk at the hospital or fax it to the number indicated in the form
We will notify you and the hospital within 6 hours on receiving the request via email and SMS
Proceed to the admission on the day of the treatment with your Health card ID and the confirmation letter
from us
We will settle directly the bill with the hospital

Reimbursement for treatment done outside our panel


Proceed with your treatment and pay the bill
Get all the original documents from the hospital

Submits all original and necessary documents along with duly filled Claim form to the email mentioned
in the form

We will review the documents and effect the payment within 21 days of receiving the complete
documents. If the treatment claimed is not covered under your plan, a letter will be sent along with the
reasons for rejection

Treatment not covered under your policy


Insured can get treatment at the Network Hospital

All bills are to be paid by the insured and original documents obtained from hospital

Insured submits the original and necessary documents to us along with Claim form

We will review the documents and effect payment within 21 days of receiving the complete documents. If
the claim is rejected, a letter will be sent along with the reasons of rejection

Bharti AXA Dedicated Claims Handler


Does claims settlement mean endless running around? Bharti AXA Dedicated Claims Handler addresses all
your health insurance claim processing needs telephonically without any inconvenience to you.

One point contact

Simplifies the claims process

Handles paperwork

Speeds up claim settlement

*Role of Bharti AXA Dedicated Claims Handler is limited only to helping the claimants in filling the forms, arranging to collect the documents from
the claimant, and providing information about the status of claim on an ongoing basis, if requested by the claimant. While our claims handler will
facilitate the submission of the claims document for processing, the claim itself will be paid only if admissible under the terms and conditions of the
policy. Claim processing is subject to submission of all relevant documents by Claimant as required by the Company. This service is not applicable
under a Group Insurance policy. This service is available only within India.
Dedicated Claims Handler service is done telephonically for general insurance customers. For more details on risk factors, terms and conditions
please read sales brochure of products carefully before concluding a sale.