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Bharti AXA Life Saral Jeevan Bima

Bharti AXA Life Saral Jeevan Bima is a cost-effective pure protection ...Read More

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

Bharti AXA Life Saral Jeevan Bima is a cost-effective pure protection plan designed to cater to a family’s needs in the absence of a policyholder. It offers high life cover at nominal premiums with multiple policy and premium payment term options.

Here are the key features of the above plan
  • Get a 5% guaranteed discount on your first year’s premium.
  • The plan offers premium payment term options such as limited, regular, or single pay.
  • Get high life cover in exchange for cost-effective premiums.
  • The plan offers special premium rates for women policyholders.
  • Get an extra payout on top of the base cover in case of accidental death with an accidental death benefit rider.

About Bharti AXA Life Saral Jeevan Bima

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

Uncertainties are inescapable, but you can make sure your family's goals remain undisturbed, irrespective of the circumstances, with a Bharti AXA Life Saral Jeevan Bima. It is a basic term insurance plan to secure the family's financial future in exchange for pocket-friendly premiums. However, you can even choose the premium payment term based on your budget. With their simple and easy-to-understand features, you can secure yourself & your family hassle-free.

Bharti AXA Life Saral Jeevan Bima offers you a range of benefits including:

  • Affordable Premium
  • Multiple Premium Payment Term
  • Add-on Riders
  • Tax Benefits as Per Laws
  • Lower Premiums for Women
  • Death Benefit

Eligibility Criteria for Bharti AXA Life Saral Jeevan Bima

Entry age
Entry age
Minimum Age - 18 years Maximum Age - 65 years
Maturity age
Maturity age
Maximum Maturity Age - 70 years
Policy term
Policy term
Minimum term - 5 years Maximum term - 40 years
Sum assured
Sum assured
Basic Sum Assured: ₹5 Lakhs to ₹50 Lakhs
Policy loan
Policy loan
The policy loan is not available under Bharti AXA Life Saral Jeevan Bima.
Payment Modes
Payment Modes
Annual, Semi-Annual, and Monthly

Pros & cons

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

Pros

  • Flexible Premium Payment Term
  • Special Rates for Females
  • Get Surrender Benefit

Cons

  • 1 Year WP for Suicide
  • No Policy Loans
  • No Maturity 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 - 65 years
Minimum Sum Assured - ₹5 Lakhs
Maximum Maturity Age - 70 years
Premium Payment Term - RP/SP/LP

How Does Bharti AXA Saral Jeevan Bima Work?

Let's understand how the Bharti AXA Saral Jeevan Bima works with a simple premium illustration.

Problem

Arjun is a 35-year-old salaried employee with a wife and two kids. Being the sole earning member of the household, he wants to secure his family's financial future.

Solution

His financial advisor advised him to buy the Bharti AXA Saral Jeevan Bima Work. He visited PolicyX.com.

Let's understand how the Bharti AXA Saral Jeevan Bima works for him with an example.

Age of policyholder Monthly Premiums Annual Premiums Policy Tenure Total premiums paid Sum assured
35 years ₹795/month ₹9,540/year 35 years ₹2,38,500 ₹25 Lakhs

Key Takeaways: In case of Arjun's unfortunate death during the policy term, his family will receive a lump sum death benefit payout.

Riders Associated with Bharti AXA Life Saral Jeevan Bima

You can add the following riders to your Bharti AXA Life Saral Jeevan Bima:

Bharti AXA Life Accidental Death Benefit rider

Bharti AXA Life Accidental Death Benefit rider provides an additional sum assured equal to 50% of the sum assured in case of the unfortunate demise of the life insured due to an accident.

Bharti AXA Life Accidental Total and Permanent Disability Rider

Bharti AXA Life Accidental Total and Permanent Disability Rider provides a rider sum assured to the nominee in case of permanent disability within 120 days of the accident.

Features of Bharti AXA Life Saral Jeevan Bima

Key features that make Bharti AXA Life Saral Jeevan Bima stand out.

Flexible Premium Payment Terms

The plan offers flexible premium payment term options; you can select the PPT based on your budget: Single pay, Limited pay, or Regular pay.

Lower Premium Rates for Feamles

Bharti AXA Life Insurance Saral Jeevan Bima Plan offers special rates for females with a partial setback of 3 years in terms of premium rates as compared to male lives.

Advance Premium

Under the monthly premium payment mode, you can pay 3 months' premium in advance.

Add-on Riders

The plan offers two optional add-on riders that allow you to enhance your base life cover and get additional protections: Accidental Death Benefit Rider and Accidental Total and Permanent Disability Rider.

Accidental cover

You can get an extra payout on top of the base cover in case of accidental death of the life insured during the policy term.

Benefits of Bharti AXA Life Saral Jeevan Bima

Here are the key benefits of the Bharti AXA Life Saral Jeevan Bima.

Death During theWaiting Period

Upon the unfortunate death of the policyholder during the waiting period, the death benefit shall be payable to the nominee as a lump sum: 10 times the Annualized Premium or 105% of all premiums paid as of the date of death.

Death AfterWaiting Period

In case of the policyholder's unfortunate death after the waiting period, the death benefit shall be payable to the nominee as a lump sum: 10 times the annualized premium or the absolute amount assured to be paid on death.

Surrender Benefit

When you do not want to continue the policy and exit the plan before maturity, the surrender value/Policy Cancellation value will be payable to you only under the single or limited pay.

Advance PremiumOption

In this plan, you can only pay 3 months' premiums in advance on the policy's commencement date.

Exclusions of Bharti AXA Saral Jeevan Bima

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 Saral Jeevan Bima is a pure protection, non-linked term insurance plan that offers flexible premium options such as Single Pay, Limited Pay, and Regular Pay. You can protect your loved ones up to 70 years of age, choose your own policy term, and attach 2 kinds of riders with your policy.

If you have doubts or queries regarding the Bharti AXA POS Saral Bachat Yojana plan, you can contact us through the website policyx.com or at 1800-4200-269.

Term Insurance Articles

Frequently Asked Questions

The 4 most-asked questions about Bharti AXA Life Saral Jeevan Bima, answered.

Bharti AXA Saral Jeevan Bima policy is a pure protection plan that offers high life cover at affordable premiums.
Bharti AXA Saral Jeevan Bima policy is among India’s top insurance providers with a CSR of 99.01%. (CSR as per IRDAI report of the year 2022-23).
Yes, you can surrender Bharti AXA Saral Jeevan Bima policy, and the surrender value shall be payable to you immediately.
You can revive your lapsed policy within the revival period of five years after the due date of the first unpaid premium.

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

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