Bharti AXA Term Insurance
Bharti AXA started their insurance business in 2006. It is one of the leading insurance company offering wide range of ...Read More
The headline features and policy mechanics, at a glance.
Affordable premium options starting from entry-level to comprehensive whole-life protection.
Industry-leading approval rate on eligible term insurance claims in the most recent fiscal year.
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
Choose from level cover, increasing cover, and return-of-premium variants.
Extend a base policy with add-on covers — critical illness, accidental death, waiver of premium and more.
Branch offices and claim service centres across India for easy policy servicing.
Bharti AXA Life Insurance is a joint venture offering a wide range of term insurance plans designed to meet different life protection needs. It provides flexible coverage options through plans like Flexi Term Pro, Life Suraksha, Saral Jeevan Bima, and Grameen Jeevan Bima Yojana. The insurer offers a range of customized best term plans that can cater to customers' needs at different stages of their life. You can get a Bharti AXA term insurance plan starting at just Rs. 751/ per month (T&Cs apply). Bharti Axa has 200+ offices across India with more than 82 lakhs+ customers.
What are the key features of this plan?
Get complete protection till 99 years of age,
Cover your spouse under the same plan,
Return of total premiums paid in case of no claim,
Increase your sum assured at specific life stages,
Special premium rates for women,
Tax Benefits as per applicable laws,
Multiple policy terms and premium payment terms,
Get additional protection with add-on riders, etc.
Every plan currently being sold by Bharti AXA Term Insurance, shown side-by-side so you can shortlist quickly.
Bharti AXA Life Flexi Term Pro is a comprehensive and best term insurance plan that can be customized as per your needs. It offers two plan options an...
Are you looking to save for the future and protect your loved ones? Then Bharti AXA POS Saral Bachat Yojana might be perfect for you! A term insurance...
Are you looking for a term plan that covers a group of people, is simple, and has simple and low-cost premiums? If yes, then today we have a term plan...
Uncertainties are inescapable, but you can make sure your family's goals remain undisturbed, irrespective of the circumstances, with a Bharti AXA Life...
Bharti AXA Life POS Saral Jeevan Bima Yojana is a non-linked, non-participating, individual, pure-risk premium life insurance plan that offers lump su...
Are you looking for an extremely inexpensive term insurance plan with short coverage? Then Bharti AXA Grameen Jeevan Bima might be the right choice fo...
Bharti AXA Life Suraksha is a protection plan that allows you to get whole-life coverage till 99 years. It offers 2 plan options: without the return o...
“A term plan- that protects against 15 major critical illnesses” Everyone loves a refund, don't you? What if we told you, you could get a refund on a ...
Side-by-side across the 3 most-bought Bharti AXA Term Insurance plans on PolicyX.
| Feature | Bharti AXA Life Flexi Term Pro Plan | Bharti AXA Life POS Saral Bachat Yojana | Bharti AXA Group Suraksha Policy |
|---|---|---|---|
| Plan type | Term Plan | Term Plan | Term Plan |
| Sum assured | Basic Sum Assured: ₹25 Lakhs to no limit. | Basic Sum Assured: ₹40 Thousands to ₹10 Lakhs | Basic Sum Assured: ₹5 Thousands to ₹25 Thousands |
| Entry age | Minimum Age - 18 years Maximum Age - 65 years | Minimum Age - 8 years Maximum Age - 55 years | Minimum Age - 18 years Maximum Age - 54 years |
| Top benefits | Choice of Plan Options · Lower Premium for Women | Return of premium · Affordable premiums | Affordable premiums · No Medical examination |
Enhance your term plan with optional add-on riders for broader protection.
Accidental Death Benefit Rider
Get an extra payout on top of the base cover in case of an unfortunate death due to an accident.
Accidental Total & Permanent Disability Rider
Get an extra cover on top of the base cover against total and permanent disability caused by accidents.
Premium Waiver Rider
It waives off your future premiums in case you're faced with an unfortunate event like critical illness, permanent disability, or death.
Hospi Cash Benefit Rider
Get an additional payment of a fixed benefit for each day of hospitalization and a lump sum benefit in case of surgery.
Bharti AXA Term Insurance is one of the most trustworthy and reliable insurer partners. Here are the reasons why you should choose Bharti AXA Term Insurance Plans:
01
Bharti AXA Life has an impressive claim settlement ratio of 99.18% for FY 2023-24, showcasing their ability to settle the claimss easily.
02
Bharti AXA Life Insurance is known for its outstanding customer service and is committed to making its customers' experience as seamless as possible.
03
The solvency ratio indicates the financial health of the insurance provider. In the latest report by IRDAI (2023-2024) of the top term insurance companies , Bharti AXA Life Insurance maintains a good solvency ratio of 1.6.
04
Bharti AXA Life offers a variety of riders for its term insurance plans , which help you customize your plan to your needs.
05
Bharti AXA Life's term insurance plans are easy to buy because they don't involve lengthy underwriting procedures and medical examinations.
For policy purchase and claim submission. Have these ready before you start.
To purchase a Bharti Axa term insurance plan in 2025, certain eligibility criteria must be met. Let's understand the eligibility criteria in detail.
Age: A person between the ages of 18 and 65 is eligible to apply for a term life insurance plan. The policyholder’s age is a key factor in the term insurance plan’s premium.
Health condition: Since a Bharti Axa term insurance plan insures the policyholder’s life, most insurance providers require a policyholder to undergo a health examination to determine the current health condition and the inherent risks for the insurer. Be completely honest about your health condition and medical history to avoid issues during claim settlement.
Income: A Bharti Axa term insurance plan has no specified minimum income requirement. However, they might ask you for your bank statement copies and salary slips to determine the coverage on your term plan.
Smoking habits: If you smoke or have been a smoker in the past, you must disclose this information to the insurer. It is because smokers are exposed to severe health hazards like lung cancer.
Citizenship: Indian citizens can buy a Bharti Axa term insurance plan in India in their name. However, NRIs or PIOs can also benefit from a term insurance plan in India.
Bharti AXA Term Insurance Plans offer various additional benefits to the policyholders.
With the joint life cover feature, you can cover two people under a single plan. It offers financial security for the surviving member if one of the insured persons has an unfortunate demise. It is pretty beneficial because it only requires one payment for two people's coverage.
Usually, term insurance does not provide any maturity benefit. However, the Bharti AXA term plan offers a maturity benefit through a premium refund if the life insured survives till the end of the policy term.
With this option, you can increase the sum assured twice during the policy term without undergoing any future medical examination. It is an ideal option for a young policyholder to help them upgrade their life cover as per their increasing life stage requirements. It is not available under the joint life and return of premium option.
Smart exit value feature that lets you exit a policy early and receive a refund of all premiums paid till the date of surrender. Kindly note that no additional premiums are payable for this option.
Bharti AXA term policies offer a whole-life coverage option that provides financial protection until the policyholder is 99 years old. With a whole life feature, you can stay protected with a life cover—as long as you keep up with the premium payments.
There are various Bharti AXA term plans based on their features. You can choose the one that best suits your requirements.
Upon the policyholder's demise during the policy period, the death benefit amount shall be payable to the nominee.
Get back all the premiums paid towards the plan at maturity if you outlive the policy tenure.
Step-by-step guides for the four key moments in your policy lifecycle. Click a tab to switch.
Filing a claim for Bharti AXA Term Plan is a simple and hassle-free task. You can easily fill and submit their claims online or walk into your nearest Bharti AXA Life branch. To file a claim for Bharti AXA Term Plan, you need to follow the below-mentioned steps.
Inform the company about the incident via various channels- by writing an email at lifeclaims@bhartiaxalife.com, calling on the toll-free number (1800 102 4444), filling the online claim form on its website, or by visiting the nearest branch. The following details have to be provided during the intimation of your claim: name of the policyholder, policy number, date of death/event of the life assured, nominee name, cause of death, and contact details.
Submit the necessary documents requested by the company to process the claim.
In case of natural death:death claim form, death certificate, original policy documents, claimant's identity & residence proof, medical records at the time of death & past illnesses, and account details of the nominee.
In case of an accidental Death:the same documents are included, along with two additional documents: the FIR and the post-mortem report.
After receiving all the documents and claim forms, the company will verify the details as per their norms. On successful completion, the claim will be settled and the amount will be transferred to the nominee's bank account and the same will be communicated to him/her over call or email.
To file a claim offline with Bharti AXA Life Insurance, you must visit its head office or any of its branches. Submit a duly filled claim form and the required documents to the nearest bank branch, company head office, or any of their offices. The claim department processes the claim once they verify the documents. However, you can easily locate the nearest branch office using the Bharti AXA branch locator.
Don't just take our word for it — check out what our happy customers say about us!
All my claims were rejected for 3 years. Then, I received a text from PolicyX team, who noticed that my claims hadn't been settled. They managed to get my claims settled, totalling ₹4.5 L. I really appreciate the efforts of the PolicyX advisors for their support in settling my claims.
Ravindra SinghI highly appreciate the help of the PolicyX team for settling my claim of Rs. 5 Lakhs with zero deductions. I took a policy online from them in March 2024. As a customer, it's been a great experience throughout the process.
Priti VarshneyI'm very satisfied because my claim of over ₹2 L has been settled as a result of your team effort. However, I was very upset with the insurer, who delayed the claim for almost 2 months. But with your support and interaction, the claim was settled within 30 days & I appreciate it a lot.
Nisha MaryI bought my health policy from PolicyX, and so far, it's been a very pleasant experience with the team. I really appreciate the help for renewing my health policy. I look forward to continuing my relationship with PolicyX and recommend it to everyone.
Ajay ShahPolicyX has been a savior during a medical emergency in my family recently. My wife was admitted in the hospital, and the insurance company declined my claim request. The PolicyX team handled the situation very well and I received the claim right on time.
Vijay RathodI purchased a health plan for the very first time and the support by PolicyX is commendable. They helped me with the paperwork, explained the policy details to me with patience and supported me at every step of policy buying. A big thanks to you guys.
Uma MahajanThe 11 most-asked questions about Bharti AXA Term Insurance, answered.
Aggregate ratings from 919 verified PolicyX customers who bought a Bharti AXA Term Insurance plan.
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