Bharti AXA Home Insurance

The increased risks such as fire, burglary, human-made and natural calamities have resulted in more sophisticated solutions. These days, it has become essential to guard home and your belongings through home insurance. Home Insurance offers a cost-effective solution for protecting the building and assets like electronics, furniture etc. It functions similar to any other insurance product.

Bharti Axa General Insurance Company Limited is a joint venture between Bharti Enterprises and AXA Group and it offers home insurance solutions through two different schemes. These policies also cover the spouse and two dependents (who are below 23 years old) against fatal accidents which can lead to injury.

Smart Householders Package Policy

Benefits & Features of Bharti AXA’s Smart Householders Package Policy

• Offers comprehensive cover for fittings, building and fixtures against risks such as an earthquake.

• It also covers underground utilities like water lines and sewers, electricity cables and drains inspection covers.

• Modifications and improvements to the building structure are also covered under this policy.

• Loss/Damage to lock and key by accident, tenant fixtures, costs of fire extinguishing are covered under these policies

• Insurance cover for contents of the house such as electrical appliances, furniture, glass and sanitary ware are protected in case of accidents and unprecedented events.

• Coverage is also offered to valuables like jewelry, loss/damage of essential documents such as passport

• The policy also covers loss/damage to goods in transit to a new home by registered packers and movers.

• Offers compensation for loss of rent if any part of the house is considered unfit for occupation. It pays for temporary rental accommodation of the insured in the policy term.

• Three domestic pets are protected under the policy. The insurer provides compensation for theft or accidental death of the pets.

• The policy also covers the legal liability to third parties and domestic servants.

Policy Exclusions

• Damage/loss to the covered items due to war or any terrorist operations.

• Purported/willful act of negligence by the insured or the occupants of the insured home.

• Exclusions are explicit to the type of policy chosen by the individual. You can refer to the policy documents for the details list of exclusions.

Add-On Covers

In addition to the conventional insurance cover, Bharti AXA offers a range of Add-On alternatives for enhancing the coverage and making it all-inclusive. The optional covers available for Smart Householders Package Policy are described below:

• Terrorism Cover

• Cover for Domestic Appliances

• Jewelry and Valuables Cover

Claims Procedure

After registering the claim, you can call the claims center on 080-49123900 for registering the claim. You must keep the information like the name of the insured, policy number, contact details, nature and date of the loss. After registering the claim, the applicant can submit all the necessary documents. The claim is settled within 10 days after receiving the related documents

Frequently Asked Questions

What is covered under the Add-On option?

Valuables such as watches, cameras, jewelry etc are covered against burglary, fire, theft, natural perils etc

Are family members also covered for compensation under this policy?

Yes. The spouse and two dependents of the insured are covered under this policy. The dependents must be less than 23 years old.

Where is the “Claims Form” available?

The claims form is available in the official website of Bharati AXA under the home insurance section under Claim Process tab. You can download the form and then get it printed.

How can I renew my existing home insurance policy from Bharti AXA?

You can renew the home insurance online on the official Bharti AXA website. You can complete the payment through Net banking, Debit or Credit card.

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