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Bharti AXA General Insurance Company

Bharti AXA General Insurance Company Limited is one of the leading private insurance providers in India. The two multinational businesses that came together to form this company are industry leaders. The Indian conglomerate, Bharti Enterprises and the French insurance firm, AXA bring their best to the table.

The Bharti AXA group operates both in both, general insurance and life insurance sectors. The general insurance company offers products like vehicle insurance, health insurance, home insurance and travel insurance. It has dual certifications from ISO, which speaks of the quality of products and services that the company provides.

For information about the life insurance faction, you can visit the Bharti AXA Life Insurance Wikipedia page.  

The company began in the year 2008. Even though it is relatively new, it has been recognized for its services multiple times. For instance, Bharti AXA General Insurance Company Limited was awarded for ‘Outstanding Performance’ in insurance category award in 2013.

About The Companies That Formed The Venture

Bharti Enterprises is an important establishment in India, and the area of its business is huge. It has a presence in the agriculture sector, telecom sector, retail and also in the financial service sector. It holds 51% of the shares in the insurance firm.

AXA is an extremely successful insurance company, headquartered in Paris. It is ranked in the top 3 financial service corporations currently. The AXA Group holds 49% of the stocks in Bharti AXA.

Delivering Good Service To Their Customers

The products by Bharti AXA General Insurance have been designed to enable the customers to protect themselves efficiently. The firm caters to all kinds of clients all over India and meets their insurance needs. Here are some details

  • Unlike Bharti AXA Life Insurance head office, the general insurance company’s headquarters is in Bangalore, but it has 79 centers across India
  • The claim settlement ratio for health insurance is 98.2% which is much more than some other companies
  • Over 13 lakh claims of various kinds have been successfully settled until now
  • The client experience with the company has been made interactive

The online services like Bharti AXA General Insurance branch locator have made the insurance processes more convenient.

The Advantages Of Buying From Bharti AXA

The company is a joint venture by two well-known and well-established corporations. This makes investing in a Bharti AXA insurance plan a really prudent choice.
The products and services that they offer are about ‘value for money’. The different insurance policies can be compared and bought within minutes online.
Here are some other features

  • The process of buying insurance is easy because customers can choose and get quotes for policies
  • The plans for all categories are comprehensive and offer maximum coverage for minimum investment
  • Customers can effectively do a Bharti AXA policy status check
  • The customers can download documents like Bharti AXA General Insurance claim form
  • The Bharti AXA cashless garages and cashless hospital network can certainly make claims hassle-free
  • Bharti AXA General Insurance online payment can be made in various modes
  • The company has better than average reviews from every review agency

The Insurance Products Offered

The Bharti AXA General Insurance Company is active in providing numerous products in different categories. Each policy is designed to accommodate different kinds of needs. These plans can be compared with plans of other companies on the Easy Policy website.

The different categories of policies are

  • Motor insurance for private and commercial owners
  • Health insurance for individuals and families
  • Travel insurance plans for individuals, families and students
  • Commercial line insurance packages
  • Home insurance
  • Small and medium enterprise (SME) insurance

The details

    1. Motor insurance

    Insurance plans are available for cars and two-wheelers. They provide extensive coverage, and all the details can be learned. The coverage for the commercial cars varies from the privately owned.
    Recently, they launched the long-term two-wheeler policy, where you can buy it for 2 or 3 years instead of just once. You can get add-on covers for little extra money and even set up a policy renewal reminder.

    2. Health insurance

    The company has simplified things, and it offers one comprehensive plan called Smart Health Insurance Plan.  The policy is available for families and individuals with the minimum sum assured at Rs.2 lakh. The insurance plans for critical illness and personal accident also come with various benefits.
    The claims of health insurance plans can be settled without cash at Bharti AXA Network hospitals.

    3. Travel insurance

    Getting travel insurance is really important as it can financially protect you in the time of need. Bharti AXA provides assistance within and outside the country. It offers special packages for students.
    You can get the particulars online. And just like Bharti AXA Life Insurance customer care, the customer care team of general insurance faction is always ready to help.

    4. Commercial Line Insurance

    The company offers plans for financially securing commercial assets. You can buy insurance to cover fire damage, liability insurance, marine insurance, etc.

    5. Home insurance

    A home is invaluable. But in the interest of securing it against any risks, Bharti AXA home insurance can be really beneficial. The coverage of the plan is comprehensive, and the premium rate starts at a measly Rs.250 a year.
    The exclusions are clearly mention ed in the policy brochure, and there are extra covers that can be bought.

    6. SME package

    The Bharti AXA Company has unique insurance packages for business owners. These are designed to meet all the insurance policies that a business would need.

Details Of Some Plans

Every plan of the Bharti AXA General Insurance Company comes with different features and benefits. While buying a plan, you should know all the details of the product. However, here are a few things to know before you get started

Plan type Some exclusions Key features
Private car insurance Loss due to wear and tear, mechanical failure, invalid driver’s license, etc. Car can be repaired at over 2500 network garages without cash payment
Health insurance Routine check-ups, dental treatment, etc. are permanently excluded No medical check-ups required and renewal discounts are provided
Home insurance Damage incurred because of war and negligence Valuables cover, appliances cover add-ons for complete protection
Student travel insurance Injuries due to hazardous activities, unreported loss, cosmetic surgery, etc. Policy term can be from 30 days to 2 years, expenses paid in case of loss of sponsorship
Critical illness insurance Hospitalization within 60 days of policy inception and any treatment expect the list provided 20 major illnesses covered and a free trial period of 15 days
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