History

Bharti AXA Life Insurance Co. Ltd. is a joint venture between Bharti - one of Indias leading business groups with interests in telecom, agri business and retail, and AXA global leader in financial protection and wealth management. Bharti has recently entered into the retail business under a company called Bharti Retail Pvt. Ltd. AXA's operations are diverse geographically, with major operations in Western Europe, North America and the Asia/Pacific area. It also has operations in Australia, New Zealand, Hong Kong, Singapore, Indonesia, Philippines, Thailand, China, India and Malaysia. Bharti AXA Life Insurance has a 74% stake from Bharti and 26% stake of AXA in the joint venture. In December 2006, the Company launched its operations in India. At present, it has more than 5200 employees working over 12 states in the country. With the continuous expansion, Bharti AXA Life Insurance is making itself proactive to cater to insurance and Wealth management needs of people. Given below is the list of the insurance plans and financial solutions provided by Bharti AXA Life Insurance:

INTRODUCTION
Company profile: Bharti AXA Life Insurance is a joint venture between Bharti, one of Indias leading business groups with interests in telecom, agro business and retail, and AXA, world leader in financial protection and wealth management. The joint venture company has a 74% stake from Bharti and 26% stake of AXA. The company launched national operations in December 2006. Today, company has over 5200 employees across over 12 states in the country. Our business philosophy is built around the promise of making people "Life Confident".

Who Are We
Bharti AXA General Insurance is a joint venture between Bharti, one of Indias leading business groups with interests in Telecom, Agri Business and Retail; and AXA, world leader in Financial Protection and Wealth Management. Bharti Group holds 74% of equity and AXA holds 26% of the equity. With a vision to become the leader and preferred company for financial protection in India, Bharti AXA General Insurance offers its customers - individuals and businessesa wide range of products and services that meet their insurance needs. The values upon which its business practices are based are availability, attentiveness and reliability. The company leverages the Bharti Groups large customer pool, and has developed a strong multi-channel distribution network in both urban and rural markets. The company was incorporated on 13th July 2007. Headquartered in Bangalore, the company currently has 40 branches across India. The Management team at Bharti AXA General Insurance consists of experienced leaders who are passionate about their companys vision and goals and are committed to the development of Bharti AXA General Insurance as the preferred company for Financial Protection in India.

Bharti AXA presents an array of protective plans to suit your personal and business requirements. These embody our commitment to our system of values.

About bharti axa life life

business, financial services, and retail. Bharti has been a pioneering force in the telecom sector with many firsts and innovations to its credit. Bharti Airtel Limited, a group company, is one of Indias leading Bharti Enterprises is one of Indias leading business groups with interests in telecom, agricultural private sector providers of telecommunications services with an aggregate of over 110 million customers, spanning Mobile services, Telemedia services and Enterprise services. Bharti Airtel has been ranked amongst the best performing companies in the world in the BusinessWeek IT 100 list 2007. Bharti Teletech is the countrys largest manufacturer and exporter of telephone terminals. Bharti has a joint venture Bharti Del Monte India (P) Ltd with Del Monte

Foods India Pvt. Ltd., to offer fresh and processed fruits and vegetables in the domestic as well as international markets including Europe, USA and Middle East. Bharti has recently forayed into retail business under Bharti Retail Pvt. Ltd. It also has a joint venture - Bharti Wal-Mart Private Ltd. - with Wal-Mart for wholesale cash-and-carry and back-end supply chain management operations in India.

AXA Group is a worldwide leader in Financial Protection. AXAs operations are diverse geographically, with major operations in Europe, North America and the Asia/Pacific area. In 2009, total revenues amounted to Euro 90.1 billion and total revenues underlying earnings to Euro 3.9 billion. AXA had Euro 1,014 billion in assets under its management as of December 31, 2009.

AXA Asia Life is committed to become a preferred company in financial protection and wealth management by 2012. AXA Asia Life, which is part of the AXA Group and AXA Asia Pacific Holdings Limited, started operating in Asia in 1986.

Since then, it has grown rapidly and is today present in China, Hong Kong, Indonesia, India, Malaysia, the Philippines, Singapore and Thailand. AXA Asia Life serves over 2.5 million customers, employs over 4,000 people, and has about 60,000 agents and advisers across Asia. The Regional office is based in Hong Kong and is responsible for supporting the Groups operations in the 8 markets.

Individual plans

At Bharti AXA Life, we want to take care of your responsibilities in the same way as you do for your loved ones, with a range of life insurance services. Through our life insurance products, you can trust us to take care of your family at all times. You can select the most suitable plan from our host of plans and make buying life insurance simple and convenient. Each of the plans, right from traditional life insurance to unit linked life insurance, fall in specified segments and fulfill your specific objectives. You can learn more about the segment and specific plans within the segment by clicking on the type of plan.

Protect your loved ones against financial contingencies at a nominal costs

You love your family and feel responsible towards them in every way. But life can be uncertain and unforeseen contingencies can meet you anytime. At such times, life insurance comes to your rescue. As someone who wants only the best for their family, we understand your need to safeguard your family against any crises. Our protection plans offer you high life cover at nominal costs so that you can fulfill your responsibility with ease and your family never has to face financial constraints.

Ensure your family's security + maximise your savings

You can make your money work harder with our Wealth Creation with Protection plans. Whether it is a a comfortable future, bigger home, or even a dream vacation , these life insurance plans are the best solutions along with the surety of financial protection. Our life insurance coverage plans include 'traditional' plans that give guaranteed money on maturity. While, we also offer market-linked plans that give you the benefit of good market performance to maximise your savings.

Investments for your good health

Given the fast pace of our lives, we always run the risk of acquiring lifestyle diseases - be it high blood pressure or various heart diseases. Add to this the rising medical costs because of which, we end up spending increasingly large amounts of money. Bharti AXA Life offers you Health Plans that ensure freedom from stress when it comes to your health expenses and let you enjoy your life without any worries.

Bharti AXA Life Insurance Launches Its 100th Branch In India

Bharti AXA Life Insurance Company has announced that it has launched its 100th branch in India, at Delhi. In order to strengthen branch network in Northern India, the company is also launching operations in Ghaziabad and Faridabad. Bharti AXA Life Insurance has diversified its business footprints in large and small cities and towns. The multi-channel distribution spread of Bharti AXA Life consists agents, corporate agents and brokers, bancassurance and telcassurance. Answering the queries on the launching ceremony, Mr. Nitin Chopra, CEO of Bharti AXA Life Insurance Company stated, I am delighted to be launching our 100th branch within 19 months of commencing national operations. We hope to expand our network in India to over 200 branches by December 2008, making our geographical expansion plans one of the most aggressive in the Indian life insurance industry.

Bharti AXA Life Insurance Company is a joint venture between Bharti Enterprises and AXA, world leader in financial protection and wealth management.

KEY DEVELOPMENTS FOR BHARTI AXA LIFE INSURANCE CO. LTD.

Bharti AXA Life Insurance Co. Ltd. Launches Whole Life Plan, Bharti AXA Life Aajeevan Anand
Bharti AXA General Insurance Company Limited introduced the latest addition to its range of add-on covers in its Motor Insurance portfolio. The Invoice price cover is a unique product feature that covers the shortfall amount between the insured value (invoice value less depreciation) of the vehicle and the showroom price OR the current replacement value of the vehicle. This additional cover will now be available with the company's motor insurance product, the SmartDrive Private Car Policy. The insured value of a vehicle is the invoice value less the depreciation which is based on the age of the vehicle. Customers of this unique add on product from Bharti AXA will be able to recover the purchase price as per the invoice of their vehicle and not just the depreciated value in the event of a Total loss/Constructive Total Loss (CTL) or Total Theft of the vehicle. The 'shortfall amount' provided by Bharti AXA General Insurance will also cover the Road tax and first time registration charges incurred on the insured vehicle. The product is available across all segments of cars and can be availed at an additional premium with the company's SmartDrive Motor Insurance policy. Bharti AXA's Invoice Price cover is a stand alone add on and hence

offers more flexibility than other products in the market that are available only as packaged products.

COMPANY OVERVIEW
Bharti AXA General Insurance Company Limited provides insurance products and services in India. It also offers retail insurance, such as private cars, commercial vehicles, two wheelers, and individual insurance policies, as well as commercial insurance products, including consequential loss, industrial all risk, standard fire and special perils, boiler and pressure plant, contractors' risks, contractors' plant and machinery, electronic equipment, erection risks, machinery breakdown, cargo, workmen's compensation, burglary and/or housebreaking, fidelity guarantee, and plate glass insurance policies. KEY EXECUTIVES
Dr. Amarnath Ananthanarayanan Chief Executive Officer and Managing Director Mr. Sampath Kumar

Chief Financial Officer Mr. Rajagopal Gopalan Head of Operations and Claims Milind Chalisgaonkar

OUR PRODUCTS

Retail Bharti AXA has made available an array of insurance policies that you can rely on for protection in various kinds of circumstances personal and business.You can create security for your family against spiraling costs of hospital treatment. You can insure your hard-earned dream car or two-wheeler against theft and damage. Proceeding on a vacation check out our travel insurance.You will find that we have a transparent approach that shares the complete information with you in a direct manner. We are particularly attentive to your specific requirement so that you choose the most appropriate product for your needs. Motor Personal Accident Health

Commercial
Bharti AXA's offerings in Commercial Insurance cater to the varied needs of different sizes and types of businesses. Our understanding of business's requirements is evident from these products which are flexible and cost-effective. From micro-enterprises, SMEs to large corporations, Bharti AXA has addressed the risks faced by them and provides the right insurance solution to manage those risks effectively. It brings your reliable financial protection to your business. Fire Property Crime

Engineering Marine Liability

Rural
The many important economic activities that are carried in rural areas such as farming, cattle rearing, sericulture etc. are exposed to several risks that threaten the livelihoods of the people engaged in them. Attentive to the needs to the rural sector, Bharti AXA has a range of Rural Insurance products to mitigate those risks and offer financial protection to its rural customers.

We understand you only want the best for your loved ones. Incase of an unfortunate or unforeseen event you wouldnt want delays to add to their despairs. During these trying times, they need access to funds on priority and not to get caught in operational delays. At Bharti AXA Life, we understand the criticality of such situations. We guarantee Release of Fund Value within 48 hours of claim intimation, so that your loved ones dont have to wait to claim what is rightfully theirs- Else we will ensure an interest of 1% of fund value for every day of delay. We ensure that delays do not add to the despair of your loved ones. We don't want to make promises any more. Instead, we want to demonstrate our ability to respond to client needs with real and tangible proof and, in so doing, to establish an authentic relationship of trust with our clients. "Naya Nazariya" is the key commitment of our new signature. It means that when we speak, it is with the aim of redefining the benefits that consumers have the right to expect from a life insurance firm. Whatever the subject,

our signature is our commitment to redefine it and improve it. We are thereby responding to client expectations and, by the same token, we are becoming credible by demonstrating our respect for them built on confidence. We have worked together with our clients to understand their needs and expectations from life insurance and developed proof points that answer their expectation .