Bharti Axa Dhan Varsa Investment Plan
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Bharti AXA Life Dhan Varsha Plan

Bharti AXA Life’s Dhan Varsha plan is a long-term savings and family p ...Read More

🛡️ IRDAI Approved
⭐ 4.2/5 · 54 reviews
📊 99 years solvency ratio
✅ Minimum Age - 0 year% claim settlement ratio
🌐 Annual, half-yearly,+ pan-India

Bharti AXA Life’s Dhan Varsha plan is a long-term savings and family protection plan. In this plan, you can grow your savings with yearly bonuses from the end of the seventh year onwards until maturity.

Here are the key features of the above plan
  • Guaranteed Survival Benefits
  • Flexibility to choose a premium payment term
  • Get cash bonuses

 

About Bharti AXA Life Dhan Varsha Plan

A quick read on what this Bharti Axa Investment Plans term plan covers and why it might be a fit for you.

Save extra with Bharti AXA Dhan Varsha Plan – Guaranteed Survival Benefit and Assured Life Cover. Bharti AXA Life's Dhan Varsha plan is a long-term savings and family protection plan. In this investment plan, you can grow your savings with yearly bonuses from the end of the seventh year onwards until maturity. The plan offers the flexibility to choose a premium payment term for 10 or 15 years (PPT) and enjoy life cover for 20 or 25 years. With the Bharti AXA Dhan Varsha plan, you'll receive Guaranteed Survival Benefits from the end of the 10th year until Maturity. At maturity, the Sum Assured on Maturity is paid out to you as a lump sum. You can even enhance your base cover with optional riders to protect against Death, Disability, and Disease.

Key Features of Bharti AXA Dhan Varsha Plan

  • The plan offers Guaranteed Survival Benefits from the end of the 10th year until Maturity.
  • The plan offers the flexibility to choose a premium payment term for 10 or 15 years (PPT) and enjoy life cover for 20 or 25 years.
  • Get cash bonuses (if declared) at the end of each financial year.
  • Stay protected with life cover for the entire policy term.
  • Guaranteed Maturity Benefit will be payable at the end of the policy term.
  • Customize the plan based on your need with a wide range of optional riders.

Eligibility Criteria for Bharti AXA Life Dhan Varsha Plan

Entry age
Entry age
Min- 91 days, Max- 55 years
Maturity age
Maturity age
75 years
Policy tenure
Policy tenure
20, 25 years
Premium payment term
Premium payment term
10, 15 years
Premium payment frequency
Premium payment frequency
Half-yearly, Yearly
Sum assured
Sum assured
No Limit

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Guaranteed Survival Benefit
  • Guaranteed Maturity Benefit
  • Cash Bonuses

Cons

  • Guaranteed Additions
  • No High Sum Assured Rebate
  • No Auto Cover Continuance

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

Minimum entry age- 91 days
Maximum entry age- 75 years
Minimum sum assured- Rs 25000
Maximum sum assured- No Limit

How Does Bharti AXA Life Dhan Varsha Plan Work?

Let's understand how the Bharti AXA Life Dhan Varsha Plan works with a simple premium illustration.

Problem

Varun is a 30-year-old male who bought a Bharti AXA Dhan Varsha Plan.

Solution

He chooses a policy term of 25 years and a premium payment of 15 years. He'll start receiving cash bonuses (if any) annually from the end of the 7th policy year till maturity or death, whichever is earlier. He will receive a guaranteed survival benefit that continues until maturity from the end of the 10th year.

Key Takeaways: At maturity, the sum assured on maturity is paid out as a lump sum to Varun.

Benefits of Bharti AXA Life Dhan Varsha Plan

There are various benefits to buying the Bharti AXA Life Dhan Varsha Plan. Let’s understand each of them in detail:

  • Guaranteed Survival Benefits:With the Bharti AXA Dhan Varsha plan, you'll receive Guaranteed Survival Benefits from the end of the 10th year up to one year before maturity or death of Life Insured, whichever is earlier. Please note that the Guaranteed Survival Benefit will be 6% of the sum assured.
  • Death Benefit:If the life insured unfortunately passes away during the policy term, the death benefit payout shall be payable as a lump sum to the nominee. The death benefit on sum assured is higher of the sum Assured on Death or 105% of all premiums paid till the date of death
  • Maturity Benefit:If the life insured survives till the end of the policy term, you'll receive a sum assured on maturity, which is the sum assured applicable under the policy.
  • Cash Bonuses:The plan offers non-guaranteed cash bonuses (if any) at the end of each policy year. These bonuses are calculated as a percentage of the sum assured. They are paid out as a cash bonus every year from the end of the 7th Policy year until maturity or death, whichever is earlier.
  • Flexible Premium Payment or Policy Term:The plan offers you the choice of two policy term and premiums payment term options (Pay premiums for 10 years, enjoy policy term for 20 years) or (Pay premiums for 15 years, policy term for 25 years)

Documents Required for Bharti AXA Life Dhan Varsha Plan

Keep these documents handy when applying for Bharti AXA Life Dhan Varsha Plan.

Policy Revival

A policy that discontinued premium payment can be revived within 5 years from the due date of the first unpaid premium and before the policy's termination date.

Check out the revival Terms & Conditions:

A written application from you for revival; Satisfactory evidence of insurability. You must pay your premium and interest rate to restore your policy to its total value.

Surrender Benefit

Under this plan, policy surrender is allowed after a premium payment of two full years’ premium. On policy surrender, you will get higher of the following: Guaranteed Surrender Value (GSV) Special Surrender Value (SSV)

Policy Loan

Under this policy, you can also take out a loan after the policy obtains the surrender value, but the loan amount should be 70% of the acquired surrender value.

Exclusions of Bharti AXA Dhan Varsha Plan

  • Suicide within 12 months of the policy purchase is not covered.
  • Consumption of any intoxicants.
  • Death due to any aviation accident.
  • Death due to any adventurous sports.

Other Features of Bharti AXA Life Dhan Varsha Plan

Here are the key features of the Bharti AXA Life Dhan Varsha Plan.

Plan At a Glance

What’s Good Here What’s Missing
Guaranteed Survival Benefit Guaranteed Additions
Guaranteed Maturity Benefit No High Sum Assured Rebate
Cash Bonuses No Auto cover continuance
Flexible-Premium Payment or Policy Term Premium Offset
4 Add-on Riders Plan Options

In a nutshell

Now that you know the features and benefits of the Bharti AXA Life Dhan Varsha plan, you can easily decide whether this plan is a perfect fit. If you still need any information regarding this plan, contact our insurance experts at PolicyX anytime for free advice.

For more info related to this plan, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you.

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Frequently Asked Questions

The 5 most-asked questions about Bharti AXA Life Dhan Varsha Plan, answered.

The plan offers two premium payment term options (Pay premiums for 10 years, enjoy policy term for 20 years) or (Pay premiums for 15 years, enjoy policy term for 25 years).
Under the Bharti AXA Dhan Varsha plan, you can choose to cover for a limited period between 20 to 25 years.
Yes, once you pay your premiums and interest, your policies will be revived to their total value.
You’ll start receiving cash bonuses (if any) annually from the end of the 7th policy year till maturity or death, whichever is earlier.
With the Bharti AXA Dhan Varsha plan, you’ll receive Guaranteed Survival Benefits from the end of the 10th year up to one year before maturity or death of Life Insured, whichever is earlier.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 15 Jun 2026 · Originally published: 31 Jan 2025

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