Personal Accident Insurance

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2.6 million

Policies Issued



Claim Settlement Ratio


Pan India

Network Hospitals

The Story So Far

Unexpected and unintentional these words best define an accident. But the word that stays in our mind for long is unfortunate. Accidents can have damaging effects on our physical, financial and most importantly emotional being. Animal attack or slip & fall, personal injury can take place anywhere and in any form. The most common form of an accident being road accidents. On an average, there are more than 1275 accidents that take place on the road every day. 30% of them resulting in fatalities. Almost 487 cases out of these result in grievous injuries [1]. Yet many in fact most of the people of our country choose to ignore the personal accident insurance. Take Kapil’s story for instance.


Kapil, aged 32, worked as a senior sales manager in a renowned firm. His work required him to commute for the most part of the day.  One day he left from his workplace to meet a client despite the rain. At a junction, he took a left turn and slipped due to a puddle. So severe was the impact that his left leg had to be amputated. His health insurance covered the medical expenses. But Kapil’s existing career took a back seat. His financial situation took an untoward turn. The responsibility of his family came on his wife’s shoulders. With no previous work experience, she had a very tough time doing the same.

The Need For Accident Insurance

Personal Accident Insurance is specifically for situations similar to these. This insurance cover provides a lump sum amount in case of death or disability arising out of an accident. This amount can act as a great support system for your recovery. Had Kapil taken this policy, it would have helped him and his wife to a great extent. We hope, unlike Kapil, it is not late now for you to protect your family and yourself against accident. 



Bharti AXA Personal Accident Insurance


An accident is an event which is usually beyond our control. The damage it causes is also something we cannot predict. A fatal accident, or an accident that causes permanent disability can have adverse effects on your family as well. The medical bills can soar to a great extent. They may end up disturbing or affecting your financial setup. Also, sometimes recovering out of it physically and emotionally can be an uphill task. Protection from such situations is always a recommended practice. At Bharti AXA, we have an insurance product specifically for accidents called Smart Individual Personal Accident. This insurance cover provides you assistance in terms of medical treatment and compensation. This personal accidental insurance offers 3 different plans which include: Rs. 10 lacs,  Rs. 20 lacs, and Rs. 30 lacs. These plans offer a lump sum compensation in case of an accident which results in death or any disablement. In addition, we also provide hospital daily cash allowance during the treatment period.

Inclusions Exclusions

  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Accidental Medical Expenses
  • Double Indemnity for Accidental Death or Permanent Total Disability while travelling as a passenger in a public conveyance
  • Hospital Daily Cash

  • Any pre-existing disability/accidental injury
  • Pregnancy or child birth
  • Self-injury,suicide or attempted suicide
  • Influence of Liquor or drugs
  • Venereal Disease, AIDS or insanity
  • War and nuclear risk, terrorism, criminal acts etc.

Frequently Asked Questions

Have a question on Bharti AXA personal accident insurance that will help you with the decision-making? Look at these Frequently Asked Questions and you may find the answer. These carefully selected questions will help you understand our products and services better. However if you still need more information, you can always contact us. Our executives will be glad to assist you.

Frequently Asked Questions