Bharti AXA Term Insurance
Bharti AXA Life Suraksha is an all-round protection plan that allows y ...Read More
A quick read on what this Bharti AXA Term Insurance term plan covers and why it might be a fit for you.
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 of premium and with the return of premium. The plan provides several additional in-built benefits such as life stage benefit, joint life cover, special exit value, premium top-up option, etc. The plan offers flexible premium payment terms that allow you to pay premiums at your convenience. Also, decide on your death benefit payout: lump sum, monthly installments, or lump sum + monthly installments. In this plan, you get additional protection against critical illness and hospitalization.
Bharti AXA Life Suraksha Plan offers you a range of benefits including:
A quick honest summary — the strengths and the trade-offs.
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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.
Eligibility criteria pulled straight from the policy wording.
Let's understand how the Bharti AXA Life Suraksha Plan works with a simple premium illustration.
Mr Mohan is a 35-year-old non-smoker who wants to ensure that his family’s needs are taken care of in case of his death.
His financial advisor advised him to buy the Bharti AXA Life Suraksha Plan Work. He visited PolicyX.com.
Let's understand how the Bharti AXA Life Suraksha Plan works for him with a premium illustration table.
| Age of policyholder | Monthly Premiums | Annual Premiums | Policy Tenure | Total premiums paid | Sum assured |
| 35 years | ₹1.162/month | ₹13,944/year | 25 years | ₹3,48,600 | ₹1 Crore |
Key Takeaways: In case of death of Mr Mohan during the policy term, his family would receive death benefit of Rs. 1 Cr immediately on death.
You can add the following riders to your Bharti AXA Life Suraksha Plan:
It waives off your future premiums in case you're faced with an unfortunate event like critical illness, permanent disability, or death.
Get an additional payment of a fixed benefit for each day of hospitalization and a lump sum benefit in case of surgery.
Receive additional sum assured chosen under the rider in case of happening of a covered event.
Key features that make Bharti AXA Life Suraksha stand out.
Coverage for Joint/Single Life
Under the return of the premium variant, you have the option to opt for a single life cover or joint life cover. With this option, you can add your spouse under a single plan and get coverage for two people.
Whole life cover
Get complete protection up to the age of 99 years and stay protected with a life cover for an entire lifetime.
Flexibile Policy and Premium Payment Term
The plan offers flexible premium payment and policy terms that allow you to pay premiums at your convenience and customize the plan to suit your needs.
Discounts on Premium
The plan offers special discounts on the premium rates for female lives and non-tobacco users.
Here are the key benefits of the Bharti AXA Life Suraksha.
IncreaseSum Assured
Bharti AXA Life Suraksha allows policyholders to increase their sum assured amount up to 50% of the base sum assured twice during the policy term.
Special Exit Value
In this feature, you can exit your policy during the special exit year and get back all the premiums paid towards the plan as surrender value.
Tax Benefit
The premium paid under the Bharti AXA Life Suraksha plan is liable to receive tax benefits under section 80C of the Income Tax Act and the benefits availed is under tax exemption.
Maturity Benefit
Bharti AXA Suraksha term plan offers a maturity benefit upon the survival of the whole policy term. As a maturity benefit, you can get back all the paid premium paid during the policy term.
Death BenefitPayout Options
At the inception of the policy, the policyholder can choose the Death Benefit Payout from one of the three options namely, lump sum, monthly income, or lump sum plus monthly income.
Here is the list of exclusions associated with the plan:
Bharti AXA Life Suraksha is a comprehensive term insurance plan that offers various additional benefits and features at reasonable premiums. It provides value-added services, such as joint life cover, special exit value, premium top-up option, etc, which sets it apart from its competitors.
If you have doubts or queries regarding the Bharti AXA Life Suraksha plan, you can contact us through the website policyx.com or at 1800-4200-269.
The 4 most-asked questions about Bharti AXA Life Suraksha, answered.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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