Bharti AXA Smart Individual Personal Accident Health Plan

Entry age

Minimum age: 3 months Maximum age: 55 years

Policy term

1 year

Maximum age for renewal

65 years

Covers

1. Medical expenses for treatment of everyday injury as an in-patient or out-patient
2. Accidental death
3. Hospitalisation cost
4. Permanent total and partial disablement
5. Transportation of mortal remains
6. Funeral expenses
7. Education grant
8. World-wide cover
9. Terrorism cover
10. Temporary total disablement
11. Double indemnity for death or permanent total disablement while travelling in public transport

Variants

1. Smart PA Basic-
2. Smart PA Standard without medical- Temporary Total Disablement Benefit, Legal expenses reimbursement
3. Smart PA Standard- Accidental Medical Expenses reimbursement,Temporary Total Disablement Benefit
4. Smart PA Gold- Legal expenses reimbursement,Temporary Total Disablement Benefit,Funeral Expenses reimbursement

Benefits

1. Accidental death benefit
2. Permanent total disability
3. No documentation
4. No medical tests
5. Covers the whole family

Additional benefits

1. High compensation of 125% of the sum insured in case of permanent total disability.
2. Children's education bonus in case of death or total permanent disability.
3. Cumulative bonus at 5%per claim free year to a maximum of 50%

Tax benefits

There are no tax benefits under this plan

Exclusions

1. Non Accident Cases are not entertained in this plan
2. Death or disablement caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence of pregnancy or childbirth.
3. Compensation under more than one of the foregoing clauses in the respect of same period of disablement except the add-on covers.