Bharti AXA SmartPlan HouseHolder’s Package Policy

Bharti AXA SmartPlan HouseHolder’s Package Policy

Bharti AXA SmartPlan HouseHolder’s Package Policy include coverage of the follows:

1.     Home contents are cover against damages occurring from the following:

a.     Fire and Allied Perils including natural calamities and earthquake

b.     Burglary

c.     Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornado, flood, inundation

2.     This policy also provided personal accident cover.

“Home contents” mean and include furniture, fixture, fittings, linen, clothing, kitchen items, cutlery /crockery contained in the Insured’s home for domestic use and all such items for which the Insured is accountable.

Key Pointers:

Key Pointers:

·      Age eligibility :18-60 years

·      Policy Period: 1year

·      Risk start date: T+2

How to Buy Home Insurance Policy Online

How to Buy Home Insurance Policy Online

·      Any customer(APB or non-APB) can purchase this policy from APB authorised retailer

·      The product is only available to sold through mitra app right now

·      Customer has to provide his/her phone number , basic personal details and home address details

·      Customer has to select the correct sum insured plan(i.e. INR 200, INR 500) depending on the value of their home content

·      For any claims or endorsement the customer can call Bharti AXA

Home Insurance Plans:

Home Insurance Plans:

Sum InsuredPlan 1Plan 2
Home contentINR 200,000INR 500,000
Personal accidentINR 60,000INR 150,000
PremiumINR200INR 500

Terms and Conditions:

Terms and Conditions:

This Policy (“SmartPlan HouseHolder’s Package Policy”) is offered and issued by Bharti AXA General Insurance Company Limited (“Insurer”) and is valid for Indian citizens (“Customer(s)”). The Policy can be purchased by both Airtel Payments Bank’s account holders as well as walk in customers (i.e. non-account holders).

In order to become eligible to purchase the Policy, the age of the Customer should be between 18 to 60 years at the time of Policy inception of insurance coverage.

The Policy can be purchased for rented as well as for owned property. The Policy can’t be purchased for kutcha construction. 

The Customer is advised to check the details as entered into by the banking agent point in the proposal form before proceeding with the payment.

Upon successful payment of the premium amount by the Customer, Airtel Payments Bank will share the details as provided by the Customer during the purchase journey along with premium amount with Insurer. Insurer may contact the Customer for the purpose of insurance. Accordingly, Insurer will send the copy of the Policy Document to the Customer on the registered mobile number via SMS and e-mail id (if provided during the journey) within T+1. The Policy Coverage will start from T+2 day (T is the transaction day). The Customer is advised to download the Policy Document and save it for future reference or any communication with Insurer/Airtel Payments Bank.

The Insurer will indemnify the Customer in respect of loss or damage to Home Contents due to: (i) Fire and Allied perils including earthquake, and (ii) Burglary, Storm, Tempest, Cyclone, Typhone, Hurricane, Tornado, Flood, inundation housebreaking and hold- up, in accordance with the ‘Table of Perils Covered and Exclusions’ mentioned in the Policy Document/ Policy Wording. “Home contents” shall mean and include furniture, fixture, fittings, linen, clothing, kitchen items, cutlery /crockery contained in the Customer’s home for domestic use and all such items for which the Customer is accountable. The Customer is also advised to read the exclusions as mentioned in the Policy Wording before concluding the purchase.

Claim process: On occurrence of any claim under this Policy, the Customer should submit the claim form along with requisite documents to the Insurer. Claim forms will be available with the offices and on the website of the Insurer. Upon submission of satisfactory claim documentation and surveyor’s report (if appointed by the Insurer), Insurer will process the payment as per the terms set out in the Policy Document/Policy Wording and as per applicable laws. The liability of the Insurer does not commence until the acceptance of the proposal has been formally intimated by the Insurer and full premium has been realised by the Insurer. Payment shall only be made in Indian Rupees within India. In case of claim related to personal accident and occurrence of death of the Customer, the claim formalities to be completed by the nominee provided by the Customer. If the nominee details are not provided by the Customer during the journey, the claim amount in case of demise of the Customer will go to the legal heir. KYC and other claim formalties will be carried out by Insurer at claim stage in accordance with applicable laws. For more details on claim intimation and process, please refer to the terms stipulated under Policy Document/Policy Wording.

Other terms:

a)    One Policy Per Customer: In case, the Customer purchases for more than 1 policy of Insurer through Airtel Payments Bank, then the total liability of Insurer would be capped for sum assured payable under only 1 Policy (i.e. the Policy first purchased).

b)    The Customer can purchase only 1 Policy, irrespective of the medium, of Insurer through Airtel Payments Bank.

c)     If the Customer along with his/her family members, purchases more than 1 Policy from the Insurer, then in such circumstances the Insurer will pay the claim in the Policy in which insurable interest is established. If in both the policies insurable interest is established, contribution will be applied in proportion to the Sum Insured (provided other claim documents are in order).

Subject to terms and conditions as provided under the Policy Document/Policy Wording, the Policy and coverage shall be null and void at the option of the Insurer, and no benefit shall be payable in the event of untrue or incorrect statement(s), misrepresentation, mis-description or non-disclosure of any material facts by the Customer in the proposal form (digital journey) or any material information having been withheld, or a claim being fraudulent or any fraudulent means or device being used by the Customer or the Customer is ineligible.

The Policy is also subject to other terms and conditions mentioned in the Policy wordings and Policy Document.

For any further query or cancellation or endorsement request, the Customer can reach out to Insurer on the following:-

a)  Toll Free Call Centre (24x7) - 1800-103-2292

b)  Login to the Insurer's website at

c)  Send an email at




I am aware that the purchase of insurance is totally optional and is at my sole discretion.

I confirm that I have read and understood the features and benefits of SmartPlan HouseHolder’s Package Policy issued by Bharti AXA General Insurance Company Limited (“Insurer”) as explained to me by the banking point agent. I accept the Terms and Conditions (including exclusions) of the insurance policy.

I declare that this home is owned/rented by me and I am purchasing this insurance for myself. I further declare that am not buying this insurance for kutcha construction. 

I further declare that the sum insured opted by me herein represents the full value of the home contents described herein. I undertake to exercise all ordinary and reasonable precautions for the safety of the building, contents/items of the home as if it were uninsured. I further agree to accept the Policy in the form issued by the Insurer(including electronic form) subject to the terms exceptions and conditions prescribed therein and/or endorsed on the Policy.

I declare that I have not suffered from any accident in the last 4 years and presently not receiving any disability benefit or permanent incapacity at work as a result of disablement and never made a claim for disablement and/or accident under any insurance policy.

I hereby authorise Insurer and Airtel Payments Bank to send me any information relating to my proposal/Policy (ies)through link SMS or any other mode opted by me.

I agree to inform the Insurer in writing of any change in my house, health and circumstances between the date of this declaration and the issue of the Policy in respect of insurance coverage. I irrevocably authorize and request any entity like a doctor/hospital who may be in possession of, or hereafter acquire, any information concerning my health, to disclose such information to Insurer and I agree that this authority and request shall remain in force.

I hereby declare and warrant on my behalf that the above statements are true and complete in all respects. I agree that this declaration shall be the basis of the decision by Insurer to cover or not cover me under insurance. In case of any concealment or misrepresentation, I understand that Insurer has the right to render the Policy voidable and result in a denial of insurance benefits.

I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the Insurer and that the Policy will come into force only after full payment of the premium is received by Insurer. I further agree that the receipt of this digital/online proposal form by Insurer along with premium does not tantamount to the acceptance of the proposal for insurance by Insurer and does not result in a concluded contract of insurance. The acceptance of the proposal for insurance shall be at Insurer’s sole and absolute discretion. In the event of the acceptance of the proposal for insurance by Insurer, such acceptance shall be specifically intimated to me by Insurer along with the date from which insurance cover shall become effective.

I further agree that Insurer will not be held liable for any subsequent deduction on the payment instructions further to cancellation of the Policy by me.

I also understand and agree that Insurer (and its surveyors) reserves the right to scrutinize the home and its insured items for any damages in respect any claim submitted by me and this can result into delay in processing of claim.

I declare that the premiums paid/payable are/will not be generated from the proceeds of any illegal means/criminal activities/offences and I shall abide by and conform to the Prevention of Money Laundering Act, 2002 or any other applicable laws. I further declare that I am using my own funds to make the payment of insurance premium.

I authorise the Insurer to seek/store or/and to share my personal information (including personal sensitive information), physical or mental health with (i) Government or Regulatory Bodies or Authorities, (ii) Insurance Repositories, (iii) CERSAI/UIDAI/authentication agencies, (iv) re-insurers/hospitals or medical practitioner or other insurance companies including past or present employer for underwriting assessment, claim investigation/settlement, and Policy servicing purpose as per regulatory framework put in place by the Authority.

Prohibition of Rebates: The following is the copy of Section 41 of the Insurance Act, 1938 :- (1) No Person shall allow, or offer to allow directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India; any rebate of the whole or part of commission payable or any rebate of premium shown on the Policy nor shall any person taking out or renewing or continuing a Policy accept any rebate except such rebate as may be allowed in accordance with the published prospectuses or tables of the Insurer. (2) Any Person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees.

Claims Process

Claims Process

Customer can intimate the claim on

o   Toll Free Number - 1800 103 2292

o   Mail -

Claim numbers are sent via mail and message within 24 hours of claim registration

A surveyor is appointed who will visit the site for inspection within 3 days of claim registration

KYC would done by BAXA team during the claims process

Endorsement Process

Endorsement Process

The customer can give endorsement request through call or email

o   Toll Free Number - 1800 103 2292

o   Mail –

The operations team will validate the request received by the customer

The customer will be shared the endorsement copy over mail at T+2 Cancellation Process

The customer can give endorsement request through call or email

o    Toll Free Number - 1800 103 2292

o   Mail –

The customer can give the request basis his policy number

The admissibility of the cancellation request will be checked by the operations team of BAXA.

The operations team checks for any claim against the policy number

Approval from the u/w to be secured for cancellation by the ops team

NEFT details to be collected by the ops team from the customer

The policy is cancelled and the refund is initiated



1. What is Home Insurance?

Home insurance policy is essentially a protection cover for the policyholder’s home against all the damages which may be caused due to natural calamities. It also offers to protect your household belongings by providing financial help. These finances can be used to repair your home and buy new household things which are either lost or damaged in a natural event. The home insurance policy offers an array of things which are covered in this policy which may differ from insurer to insurer. Hence, before make a final decision to buy a home insurance policy ensure you take into consideration the offerings of the plan.

2. What are the losses/ perils covered under this Home Insurance policy?

Home insurance covers natural and man-made calamities like:

·      Fire

·      Lightening

·      Explosion/Implosion

·      Aircraft Damage

·      Impact Damage

·      Riot, Strike, Malicious and Terrorism Damage

·      Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation

·      Subsidence and Landslide including Rockslide

·      Bursting and/or overflowing of water tanks, apparatus and pipes

·      Missile Testing Operations

·      Leakage from Automatic Sprinkler Installation

·      Bush Fire

·     Earthquake

Man-made calamities like:

·     Burglary

3. What are the losses/ perils are not covered under this home insurance policy?

While the home insurance policy offers a cover to various damages, there are some losses which may not be covered under this policy. Here’s a list of what may not be covered in a home insurance policy:

•    Car coverage

•    Personal injury

•    Business run on a personal property in a different structure.

4. What is the period of the Home Insurance policy?

The policy period is 1 year.

5. I live on rent, why would I require insurance?

We have an option to cover the contents of your home. Our comprehensive home insurance policy covers

·       Home Contents

·       Appliances

·       Personal Accident

6. I live in a building insured by my Housing Society. Would I need to take additional Insurance?

The insurance that your society provides may offer you a limited cover and generally includes only structure and not contents. You could consider home content insurance cover for your belongings if the building structure of your house is insured by the society.

7. Is my home insured if my brother uses a part of it (room) for conducting coaching classes?

No. Homes used for business purposes are not covered.

8. What is the difference between burglary & theft?

Burglary is when there is forceful entry in the premises in order to rob. Theft is when there is a robbery without any evidence of forceful entry in the premises.

9. What happens to the home insurance policy if the insured house is sold?

From the time the transfer of ownership becomes effective, the policy stands cancelled and the insured ceases to be an insured under the policy. We will then refund the premium for the balance of the insured period.



1. What is the process for home insurance policy claims?

At the time of any incident please call us at 1800-103-2292 at the earliest. You can also mail us on Let us know about all the details of the incident Post claim is verified; your claim amount will be processed 

2. What will be my claim amount, if the loss amount is less than the sum insured? In the event of the claim, then claim amount will be determined after assessing the actual loss. The claim amount will never exceed the Sum Insured.  

3. What are the details require for claims?

1.     Customer Name

2.     Customer E-mail and Phone Number

3.     Customer KYC details such as PAN, Aadhar and Shop/Entity KYC such as PAN, Form-C, Etc

4.     Documents proving the ownership of affected property & (ii) Repair/Replacement proof with proof of payment – change it to - Repair/Replacement bills with proof of payment.

5.     Loss Type

6.     How Loss/Damage happened

7.     Cause of Loss/Damage

8.     Date & Time of Loss/Damage

9.     Location of Loss/Damage                            

10.  Estimate of Loss/Damage

11.  Contact Person Details at Loss Location

12.  Police FIR filed within 24 hours from the time of knowledge of loss (Mandatory in case of cash claims)

13.  Fire Brigade Report, in case of Fire

14.  Local News Paper Clippings, if any                                      

15.  Cash register (Mandatory in case of cash claims)

Any other relevant document that may be required

Corporate Agent:

Corporate Agent:

·      Airtel Payments Bank Bharti Crescent, 1, Nelson Mandela Road, Vasant Kunj, Phase - II, New Delhi – 110070

·      Customer service number: 8800688006

·      Email id:

Insurer Address:

Insurer Address:

Bharti AXA General Insurance Company Limited. First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore-560052 |

·      Email : 

·      Toll Free Number: 1800-103-2292

S. No.Name of the Product and Effective DareCommission as a percentage of the first-year premium
1Bharti AXA SmartPlan HouseHolder’s Package Policy16.5%

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