Bharti AXA Group Suraksha Policy - Compare plan Features and benefits
Buy Now
Summarize with
ChatGPT Claude Perplexity
Bharti AXA Term Insurance Bharti AXA Term Insurance ★ 4.6

Bharti AXA Group Suraksha Policy

Bharti AXA Life Group Suraksha plan is a simple, low-cost, one-year re ...Read More

📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.6/5 · 919 reviews
📊 1.67 solvency ratio
✅ 99.18%% claim settlement ratio
🌐 200+ pan-India

Bharti AXA Life Group Suraksha plan is a simple, low-cost, one-year renewable group term product. It is designed to offer life coverage at a cost-effective premium to the families of the members of the group in the event of the unfortunate death of the member.

Here are the key features of the above plan
  • The plan provides flexible premium payment terms that allow you to pay premium at your convenience.
  • Bharti AXA Group Suraksha plan is a one-year renewable group term insurance product.
  • It provides life insurance to members of a group for their unfortunate deaths.

About Bharti AXA Group Suraksha Policy

A quick read on what this Bharti AXA Term Insurance term plan covers and why it might be a fit for you.

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 named Bharti Axa Group Suraksha for you. It provides life insurance to its members on their unfortunate death and does not require medical underwriting during purchase. It is a one-year renewable group term insurance product, and you can cover a minimum of 15 people under the same plan.

Bharti AXA Life Group Suraksha Plan offers you a range of benefits including:

  • Affordable premiums
  • Flexible premium payment term
  • No medical examination
  • Tax benefits as per laws
  • Cover 15+ peoples
  • One year renewability

Eligibility Criteria for Bharti AXA Group Suraksha Policy

Entry age
Entry age
Minimum Age - 18 years Maximum Age - 54 years
Maturity age
Maturity age
Maximum Maturity Age - 54 years
Policy term
Policy term
Minimum term - 1 year Maximum term - Annual Renewal
Sum assured
Sum assured
Basic Sum Assured: ₹5 Thousands to ₹25 Thousands
Policy loan
Policy loan
The policy loan is not available under Bharti AXA Group Suraksha Plan.
Payment Modes
Payment Modes
Annual, Semi-Annual, Quarterly, and Monthly

Pros & cons

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

Pros

  • Affordable premiums
  • No Medical examination
  • Flexible-Premium Paying modes

Cons

  • 1 Year WP for Suicide
  • No Policy Loans
  • No Survival Benefits

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Bharti AXA Term Insurance Plans

Bharti AXA Term Insurance Plans

Bharti AXA, a joint venture of Bharti Enterprises from India and a French multinational insurance firm AXA, offers protection, savings, investments, health and group plans. Through this video, we have captured the term insurance plans offered by Bharti AXA.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

Entry Age -18 Years
Max Entry Age - 54 years
Minimum Sum Assured - ₹5 Thousands
Maximum Maturity Age - Annual Renewal
Premium Payment Term - RP

How Does Bharti AXA Life Group Suraksha Plan Work?

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

Problem

Abhinav is a 30-year-old who lives in a joint family and is looking for a term plan that covers 12 members of his family under a single plan.

Solution

His financial advisor advised him to buy the Bharti AXA Life Group Suraksha Plan Work. He visited PolicyX.com.

Let's understand how the Bharti AXA Life Group Suraksha Plan works for him with an example.

Key Takeaways: Under Bharti AXA Life Group Suraksha, you can add 15 people to the same plan and get insurance coverage. It is a low-cost, one-year renewable group term product for co-operatives, institutions, joint families and NGOs. In case one of the family members unfortunately dies, his family will receive a lump sum death benefit.

Riders Associated with Bharti AXA Life Group Suraksha Plan

You can add the following riders to your Bharti AXA Life Group Suraksha Plan:

Accidental Death Benefit Rider

Get an extra payout on top of the base cover in case of unfortunate death due to an accident.

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.

Features of Bharti AXA Group Suraksha Policy

Key features that make Bharti AXA Group Suraksha Policy stand out.

Ease of Purchase

As there is no requirement for medical underwriting to purchase the Bharti Axa Group Suraksha plan, customers can enjoy hassle-free and quick issuance of the policy.

Multiple Premium Payment Modes

In the Bharti Axa Group Suraksha plan, there are multiple modes of premium paying terms available such as annual, semi-annual, quarterly, or monthly modes.

Sum Assured Options

Bharti Axa Group Suraksha plan offers a sum assured from ₹ 5,000 up to ₹ 25,000, to cater to the needs of each group.

Affordable Premiums

harti Axa Group Suraksha plan comes with affordable premiums, a basic plan with 15 members starting with just 3500/- per month for a sum of 25 thousand.

Benefits of Bharti AXA Group Suraksha Policy

Here are the key benefits of the Bharti AXA Group Suraksha Policy.

Death Benefit

Upon the unfortunate demise of the life insured during the policy term, the death benefit will be payable as a sum assured to the nominee.

Tax benefit

All the premiums paid under the Bharti axa Group Suraksha term plan can be used as tax redemption for up to 1.5 lacs under section 80C of the Income Tax Act 1961.

One Year Renewable

Bharti AXA Life Group Suraksha Plan is a one-year renewable group term insurance product, and you can cover a minimum of 15 people under the same plan.

Exclusions of Bharti Axa Life Group Suruksha

Here is the list of exclusions associated with the plan:

  • Death occurred due to a pandemic is not covered by the company.
  • Death caused due to any type of adventure sports.
  • Death by consumption of any type of drugs and alcohol.
  • Death due to any pre-existing disease that isn't mentioned during the start of the policy.
  • If a policyholder commits suicide within first 12 months of purchasing the policy, then no death benefits are paid to their nominee.

Conclusion

Bharti Axa Life Group Suruksha is a pure-term insurance plan designed to provide one year of life coverage for groups such as institutions, co-operatives, joint families, and NGOs operating in rural and social sectors.

If you have doubts or queries regarding the Bharti Axa Life Group Suruksha plan, you can contact us through the website policyx.com or at 1800-4200-269.

Term Insurance Articles

Frequently Asked Questions

The 5 most-asked questions about Bharti AXA Group Suraksha Policy, answered.

You can add up to a minimum of 15 people under the Bharti AXA Group Suraksha term plan.
The max. sum assured is available is 25 thousand.
Any groups such as co-operatives, institutions, and NGOs operating in rural and social sectors.
The minimum age to purchase to Bharti AXA Group Suraksha term plan is 18 years of age.
The 30-day grace period is available under the Bharti AXA Group Suraksha term plan.

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: 19 May 2026 · Originally published: 15 Oct 2024

Compare Term Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Share your Valuable Feedback

Rating Icon 4.6

Rated by 911 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free