Various Plans under SmartIndividual Personal Accident Plan-bharti-axa-personal-accident

Very well designed and tailor made 7 SmartIndividual Personal Accident Plans ( IPA) are available . These are: Smart IPA Basic. Smart IPA Regular. Smart IPA Standard without medical expenses cover). Smart IPA Standard (with medical expenses cover). Smart IPA Silver (applicable if the minimum monthly income is Rs 20000 and for Occupation Groups I & II). Smart IPA Gold (applicable if the minimum monthly income is Rs 40000 and for Occupation Groups I & I ). Smart IPA Superior. Now we will see an overview of the benefits that are available under each plan: Smart IPA Basic Plan Accidental Death Benefit is Rs 200000/-. Permanent Total Disability is Rs 300000/-. Permanent Partial Disablement is the % of indemnity as mentioned in the policy. Double Indemnity for Death or Permanent Total Disability – No coverage for this under this plan. Temporary Total Disablement- No coverage for this under this plan. Hospital Daily Cash: No coverage for this under this plan. Transportation of Mortal Remains: 1% of the Sum Insured. Funeral expenses- No coverage. Accidental Medical Expenses- No coverage. Education Grant: This benefit provides education grant of Rs 10000/- per child upto 2 dependent children upto 23 years of age. Legal Expenses- No cover for this. Smart IPA Regular Plan Accidental Death Benefit is Rs 200000/-. Permanent Total Disability is Rs 300000/-. Permanent Partial Disablement is the % of indemnity as mentioned in the policy. Double Indemnity for Death or Permanent Total Disability – No coverage for this under this plan. Temporary Total Disablement- No coverage for this under this plan. Hospital Daily Cash: No coverage for this under this plan. Transportation of Mortal Remains: 1% of the Sum Insured. Funeral expenses- No coverage. Accidental Medical Expenses- 20% of Section I Sum Insured. Education Grant: This benefit provides education grant of Rs 10000/- per child upto 2 dependent children upto 23 years of age. Legal Expenses- No cover for this. Smart IPA Standard Plan (without medical expenses cover) Accidental Death Benefit is Rs 500000/-. Permanent Total Disability is Rs 750000/-. Permanent Partial Disablement is the % of indemnity as mentioned in the policy. Double Indemnity for Death or Permanent Total Disability – No coverage for this under this plan. Temporary Total Disablement- 1% of the Sum Insured per week subject to maximum of Rs 5000 payable for 104 weeks. Hospital Daily Cash: Rs 200 for every day of hospitalization after first 2 days, for a maximum of 50 days. Transportation of Mortal Remains: 1% of the Sum Insured. Funeral expenses- No coverage. Accidental Medical Expenses- No coverage. Education Grant: This benefit provides education grant of Rs 10000/- per child upto 2 dependent children upto 23 years of age. Legal Expenses- Rs 5000. Smart IPA Standard Plan (with medical expenses cover) Accidental Death Benefit is Rs 500000/-. Permanent Total Disability is Rs 750000/-. Permanent Partial Disablement is the % of indemnity as mentioned in the policy. Double Indemnity for Death or Permanent Total Disability – No coverage for this under this plan. Temporary Total Disablement- 1% of the Sum Insured per week subject to maximum of Rs 5000 payable for 104 weeks. Hospital Daily Cash: Rs 200 for every day of hospitalization after first 2 days, for a maximum of 50 days. Transportation of Mortal Remains: 1% of the Sum Insured. Funeral expenses- Rs 2000. Accidental Medical Expenses- 20% of Sum Insured. Education Grant: This benefit provides education grant of Rs 10000/- per child upto 2 dependent children upto 23 years of age. Legal Expenses- Rs 5000. Smart IPA Silver Plan Accidental Death Benefit is Rs 1000000/-. Permanent Total Disability( PTD) is Rs 1500000/-. Permanent Partial Disablement is the % of indemnity as mentioned in the policy. Double Indemnity for Death or Permanent Total Disability – For Death Rs 2000000/- and for PTD its Rs 3000000/-. Temporary Total Disablement- 1% of the Sum Insured per week subject to maximum of Rs 10000/- payable for 104 weeks. Hospital Daily Cash: Rs 500 for every day of hospitalization after first 2 days, for a maximum of 50 days. Transportation of Mortal Remains: 1% of the Sum Insured. Funeral expenses- Rs 3500. Accidental Medical Expenses- 20% of Sum Insured. Education Grant: This benefit provides education grant of Rs 10000/- per child upto 2 dependent children upto 23 years of age. Legal Expenses- Rs 5000. Smart IPA Gold Plan Accidental Death Benefit is Rs 2000000/-. Permanent Total Disability( PTD) is Rs 3000000/-. Permanent Partial Disablement is the % of indemnity as mentioned in the policy. Double Indemnity for Death or Permanent Total Disability – For Death Rs 4000000/- and for PTD its Rs 6000000/-. Temporary Total Disablement- 1% of the Sum Insured per week subject to maximum of Rs 10000/- payable for 104 weeks. Hospital Daily Cash: Rs 1000 for every day of hospitalization after first 2 days, for a maximum of 50 days. Transportation of Mortal Remains: 1% of the Sum Insured. Funeral expenses- Rs 5000. Accidental Medical Expenses- 20% of Sum Insured. Education Grant: This benefit provides education grant of Rs 10000/- per child upto 2 dependent children upto 23 years of age. Legal Expenses- Rs 5000. Eligibility of the plan Individuals between 18 years to 70 years of age can apply for the SmartIndividual Personal Accident Plan . Its also a lifelong renewable plan. Exclusions under the plan The following are the exclusions under the plans under which the company will not pay any benefit to the Insured Person: For Bodily injury or Sickness aggravated by the insured person knowingly. For Bodily injury or Sickness due to intentional and deliberate exposure to danger, self inflicted injury, suicide or attempted suicide or non adherence to the medical advise. If the insured person is injured or fall sick due to consumption of alcohol or drugs or narcotics unless professionally advised by the Doctor. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to or arising out of , directly or indirectly due to Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste. Nuclear weapon materials. Working in underground mines or explosive magazines, or involving electrical installation with high tension supply, or as jockies or circus personnel, or engaged in activities like racing on wheels, horseback, big game hunting. If there is any competition which involves utilization of motorized land , water or vehicle and the insured person participates in the same and is injured. For bodily injury while the insured person is travelling by air other than as a fare paying passenger. For bodily injury which occur due to participating in any criminal act or or any breach of law with that of criminal intention. AIDS/ HIV. For bodily injury which occur due to participation in any violent labour disturbances riot or civil commotion or public disorder. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to or arising out of , directly or indirectly due to war irrespective of declared or not, invasion, hostilities, civil war, martial law, act of foreign enemy, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion, seizure, capture , arrests, restraints and detainments. Treatments of nervous or mental problems. Pre existing diseases. Hazardous Sports. If the insured person is injured or fall sick due to venereal or venereal related disease. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to or arising out of , directly or indirectly due to prolonged childbirth or pregnancy. Claims One can call at the 24×7 toll free number to register a claim at the earliest. The following details are to be furnished: Name of the Insured person Nature of loss. Date, time and location of loss. Policy Number. Contact Details. One can also email at claims[at]bharti-axagi[dot]co[dot]in The basic documents under the plan are as follows: Claim form. Death/ Disability Certificate. Admission or Discharge Summary. On receipt of the documents and investigation reports, the company will inform the policy holder on the claim status within 10 days. Documents needed for Personal Accident Death Claims Claim form. Policy Copy. Attested/Original FIR Attested/Original Post Mortem Report Death Certificate from Municipal Authorities. Documents needed for Personal Accident Disability Claims Claim form. Policy Copy. Attested FIR copy. Disability Certificate from Doctor. Hospital Medical Records. Original bills, receipts, cash memos with related treatment papers. Contact Bharati AXA Insurance One can call at 24×7 toll free number for any query, comments or purchasing of plans. SMS “SERVICE” to 566700. Email at customer[dot]service[at]bharati-axagi[dot]co[dot]in