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Health Insurance 910 views April 19, 2021
Bharti AXA Accident Care Policy provides financial support to individuals in cases like – permanent total disability, temporary total disability and death – resulting from an accident. This personal accident insurance plan offers you or your nominee a certain sum of money in case you face any of these problems due to an accident. Now, let’s take a look at the coverages under the Bharti AXA Accident Care Policy.
Table of Contents
If you sustain an injury due to an accident, and it results in death within 12 months from the date of its occurrence, the company will pay the sum insured as specified in the schedule of insurance to the nominee.
If you meet with an accident, and it’s directly and independently the cause of the disablement, the company will pay 100% of the sum Insured to the policyholder/insured. You can cover any of the following or all the disablement under Bharti Axa Accident Care Policy –
During the policy term, if you meet with an accident and it results in Permanent Partial Disablement (PPD), you will get financial support from the insurance company. The following are the list of PPD covered under Bharti Axa Accident Care Policy
If any of your bones are broken or dislocated due to an accident, and that requires surgery, the insurer will pay the following expenses at a certain percentage of the sum insured –
Note – An additional compensation of 5%, if non-union of bone is established in any of the above breaks except neck, skull or spine.
Bharti AXA will cover third and second-degree burns if they are directly caused due to an accident. This coverage includes –
Note – If the injury results in burns to more than one body part, the company’s liability shall be restricted to the maximum compensation available under the policy.
If an accident results in hospitalization in a comatose state, the insurer will pay a fixed amount of weekly allowance not exceeding the specified number of weeks mentioned in the policy schedule.
Conditions on Comatose Benefit
If the insured person’s body cannot be located within 365 days as a result of god peril or forced landing, stranding, sinking or wrecking of a conveyance due to an accident/traveling, the insurer will pay an amount up to the sum insured to the nominee.
If you sustain an injury due to an accident and it requires treatment, the hospital bills shall be paid by the insurance company. The hospital cover includes –
If you sustain an injury during the policy period due to an accident and that requires treatment in outpatient, the insurer will cover the following medical expenses –
If you require hospitalization as an in-patient due to an accident, the company shall pay a daily allowance for each continuous and completed period of 24 hours.
If you sustain injury due to an accident and the treating medical practitioner has advised you to use a wheelchair/clutches, the company shall reimburse the actual cost of such external aids and appliances.
You can enhance your policy coverage by adding any of the following optional covers –
Temporary Total Disablement – A weekly payout will be made by the insurer to the insured if he/she suffers from temporary total disablement due to an accident.
Adventure Sports Benefit – Coverage against injury sustained whilst participation in adventurous sports like – Water Rafting, Wildlife/Jeep Safaris, Trekking, Camping, Boat safaris, Parasailing, Paragliding, Elephant/Camel/Horse/Yak Safaris, Cycling, HouseBoat stays, MotorBike tours, Kayaking, Rock Climbing, Artificial Wall Climbing, Bungee Jumping, Paintball, Scuba Diving, Hot Air Ballooning, Canoeing, Mountain Biking, Rappelling, Snorkeling, Zip wires & high Rope course, Abseiling, Surfing, Water Skiing, Skiing, Caving, Self-Drive tours, Mountaineering/Hiking, All Terrain Vehicle, Hang Gliding, Snowboarding, Ultra-Light flying, Heli-skiing, SkyDiving
Home Convalescence – Pay an allowance for a specified period till the insured person completely recovers at home beyond the continuous hospitalization as an in-patient.
Rehabilitation Cover – Covers rehabilitation expenses post-discharge from the hospital, so the insured can resume his/her occupational and daily activities.
Reconstructive Surgery Cover – Cover for reconstruction surgery, which helps improve the functional ability of body parts.
Medical Evacuation Cover – Immediate evacuation to avoid life risk in a situation like – flood, tsunami, earthquake, volcanic eruption, storm, hurricane, landslide/Mudslide, riots, terrorist attack
Home Tuition Benefit – If the insured person’s dependent children sustain injury due to an accident, the company agrees to pay a fixed daily allowance to take care of the home tuition fees.
Loss of Job Cover – If an accidental injury results in permanent partial disablement rendering the insured person unfit for the job, the company pays compensation as stated in the policy schedule.
EMI Protection Cover – Cover the EMI payments of the insured in case he/she suffers from permanent partial disablement due to an accident
You can also opt for the following add-on covers with the Bharti Axa Accident Care Policy –
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