A home is the biggest investment which we have to make in our life. There is no such place in the entire universe like home. After all, it is a place where you and your loved ones can make thousands of memories and celebrate a lot of moments as well as functions that last a lifetime. So, while we put our life’s savings toward buying or building a home it needs protection in the form of insurance, & it is the best way, but we rarely realise it. With the help of Bharti AXA General Home Insurance, you can protect your home from unexpected things and threats, etc.
Bharti AXA General Home Insurance Review
Bharti AXA General Insurance Company Limited realises the need of the policyholder & has designed a Home Insurance product to help the people from the unexpected threats. Hence, the Company introduced Bharti AXA General Home Insurance. The Bharti AXA General Home Insurance provides financial protection to your home from damages. With this Home Insurance, the insured can financially prepare to face any unexpected situations. The Home Insurance provided by Bharti AXA General Insurance. The company will take care of the property damaged, you or members of your family & legal responsibility for the injuries. This General Home Insurance policy will help you to restore your home safely.
The policyholder can protect their home from natural calamities. So buy a new Bharti AXA Home Insurance Policy to protect your family. Before buying, the Insured can calculate the premium using Premium Calculator. The policyholder can pay Premium using Bharti AXA General Home Insurance Online Premium Payment.
Bharti AXA Home Insurance Features and Benefits
The wide range of New Bharti AXA General Home Insurance is listed here. The life assured who want to take the Householders Insurance need to check the features and benefits in detail. The various Bharti AXA Home Insurance Features are as follows.
- The basic insurance cover fire insurance for building/ structure.
- It also covers fire insurance for contents in the home.
- Fire and Allied Perils including earthquake.
- It covers for building, fitting, fixtures and renovation against fire and allied perils.
- It provides insurance to underground services within the building like the drain, sewer, water, electricity cable, drain inspection covers.
- The company provides capital additions, alterations and improvements to the building not exceeding 10% of original sum insured.
- It provides insurance to the Tenant fixtures subject to removal upon transfer of the right of occupation.
- It covers Accidental loss or damage to locks & keys.
- The company provides Fire extinguishing expenses.
- It provides unique benefits such as coverage for pedigree pets.
Bharati AXA General Home Insurance Coverages
- The company cover risks such as Burglary, housebreaking, way-laying, snatching, robbery or theft.
- In respect of domestic appliances, the cover includes breakdown risk also.
- It covers against loss of documents like passport, title deeds, etc.
- Compensation for loss or damage to home contents and appliance while they are being transported by professional packers and movers to a new home.
- It covers against personal accidents.
- The plan provides for payment of expenses of additional rent for alternate accommodation that you may have to use during the policy period.
- It covers compensation for the accidental death or theft of up to three pedigree pets.
- The plan covers compensation against loss of baggage.
- The company cover against legal liability to domestic servants & third parties.
- Life Assured will also cover against terrorism.
- By paying an extra premium, the policyholder will get extra coverage.
- There is an automatic increase in Sum Insured of upto 10% for newly purchase items during the policy period.
Exclusions of Bharti AXA Householders Insurance Policy
Bharti AXA Householders Insurance does not provide claim arising out of exclusions specified by the Bharti AXA General Insurance. There are some situations under which claim will not accept. Let us see some of the exclusions which are listed here.
- The company will not provide insurance for the loss or damage to insured property by war or warlike operations.
- It does not provide insurance for Wilful act or the negligence of the insured.
- Cracking, Scratching, or breakage of the lens in respect of articles of brittle and fragile nature.
- Coverage of fixed plate glass & sanitary ware is limited to the Sum Insured as per plan is selected.
- The appliances against breakdown are subject to first loss basis & the liability of the company is limited to the type of plan opted.
- It will not cover against burglary, housebreaking, hold up is subject to first loss basis and the liability of the company limits to the type of plan taken.
Bharti AXA General Insurance Online Renewal
The Bharti AXA General Home Insurance Renewal is possible in two ways. One is through offline & other through online. For offline renewal of Bharti AXA Home Insurance, insured must visit the Branch Office within the grace period. The life assured should fill the respective forms regarding the Householder’s policy & make a payment. Bharti AXA General Home Insurance Renewal Process through offline is the time taking process. To make renewal process easy for the customer, Bharti AXA General Insurance company offers Online renewal option. The Home Insurance policy renewal through online is an easy process compared to the offline process. The online renewal option assists the insured to renew your Home Insurance Policy through online.
By using Bharti AXA Home Insurance renewal through online, the policyholder can renew the policy at any time any place with simple clicks. Bharti AXA General Insurance policies such as Car Insurance, Health Insurance, Two Wheeler Insurance, Travel Insurance and Home Insurance will have the policy period of One year. If the life assured interested in continuing the Home insurance policy, then She/he can renew the policy every year by Bharti AXA General Insurance renewal through online. Check the contents required for the Bharti AXA General Insurance- Home Insurance Renewal.
- Name of the Policyholder.
- Policy Document Number.
- Date of Birth.
- Mobile Number.
- Email ID of the Life Assured.
Bharti AXA General Insurance Premium Calculator
The Bharti AXA General Premium Calculator is to calculate Premium amount for yearly, half-yearly, quarterly and monthly of any Home policy. The Bharati AXA General Maturity Calculator provision helps the life assured to calculate the premium & amount paid to the insured after maturity. The Premium Calculator is useful for the insured to calculate their Maturity amount and premium amount. Bharti AXA Home Insurance Plan has come up with different insurance plans to assist you in all stages of General.
- Name of the Policyholder.
- Date of Birth.
- Mobile number & Email ID.
- Policy Term.
- Sum Assured.
Bharti AXA Home Insurance Buying Process
The policyholder can buy the Bharti AXA General Home Insurance Policy through online. The official site where you can buy this policy is www.bharti-axagi.co.in. The policyholder can also buy the Policy by visiting the Nearest Branch Office or from the Agent of Bharti AXA General Insurance Company.
Bharti AXA Buying Process through Online:
- Firstly, the policyholder must visit the Official Site.
- Then the home page will open.
- Click on the Home Insurance.
- Fill the form with details and select the Buy option given there.
- Click on the Submit.
The Documents required for buying the Home Insurance Policy are
- Application form / Proposal form along with the photo.
- Address Proof.
- Age Proof.
Bharti AXA Home Insurance Claim Process
The policyholder should submit all the documents required to establish the cause and extent of the loss and also should submit proof of repair bills and if any FIR required to get the claim form. The life assured must co-operation to the surveyor for their support. While registering the claim, the insured has to keep the following details so that the company will provide the further claiming process. The documents required for the Bharti AXA Claim is
- Name of insured.
- Policy number.
- Contact details.
- Date & time of loss.
- Location of loss.
- Nature & extent of the loss.
Depending upon the coverage selected for, the benefit under this policy will be calculated, and the claim will be settled within ten days of receipt of all documents.
Bharti AXA Home Insurance Add-On’s
The Bharti Axa general Home Insurance covers Add-On against fire, burglary, theft and natural calamities.
- Jewellery and Valuable Cover: It includes jewellery like Gold & Silver and Valuables like Camera, Watches etc.
- Domestic Appliances Cover: It includes domestic appliances like TV, Refrigerator, Washing Machine etc.
- Terrorism Cover: It includes your building and content against any damages or losses caused due to any act of terrorism.
For more details, check Bharti AXA Home Insurance Policy Broucher