Compare Bharti AXA Investment Plans

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Bharti AXA Life Insurance Company

Bharti AXA Life Insurance Company is a joint venture between the France-based AXA group, with 49% stake and an Indian business powerhouse, Bharti Enterprises, with 51% stake. While Bharti Enterprises bring on board local sensibilities and scale, AXA brings with it its massive experience and supreme knowledge of the domain considering it is world’s number 1 insurance player operating in 57 countries. Launched in 2006, the company has a pan-India presence with a strong sales and distribution network striving to provide life insurance solutions and handling wealth management needs of the entire population with a range of products and services suited for individual needs and aspirations.

Bharti AXA Investment Plans

Bharti AXA Life Insurance offers both debt and market linked investment plans so as to offer the customer a choice to select a product that meets their insurance as well as growth-in-money needs. Every plan offers something special, something different and a huge bouquet of products is only to cater to different needs of different individuals as per their financial planning and strategies.

List of Different Investment Plans Offered By Bharti AXA Life Insurance Company, With Features, Benefits And Eligibility

Bharti AXA Life Samriddhi

Features:

  • It is a simple endowment savings plan
  • Provides non-guaranteed bonuses at the time of maturity or death thereby offering chance to make extra earnings
  • Flexible and as many as 8 different premium payment terms are available
  • Income tax benefits can be availed on premiums paid and claims received
  • Various riders are on offer at slightly extra cost to make it a wholesome policy

Benefits:

  • Death Benefits are offered of the following two kinds:
    1. Option 1: The nominee of the policyholder is paid basic life insurance cover along with accrued non-guaranteed reversionary bonuses and terminal bonuses, if any
    2. Option 2: Higher of the sum assured or 11 times the annual premium is paid including guaranteed additions subject to a minimum of 105% of all premiums paid till the time of the death
  • Maturity Benefits: At the time of maturity, the nominee shall receive 100% of sum assured along with accrued non-guaranteed reversionary bonuses and terminal bonuses, if any
  • Flexible premium payment terms are available with two options:
    1. Limited Premium Payment Term: Here the premium is for a term or 5 or 12 years for a policy term of 10 or 20 years
    2. Regular Premium Payment Term: Here the premiums can be paid for regular terms of 10, 15, 20, 25, 30 and 35 years
  • Possibility to increase savings go higher with the accumulation of non-guaranteed reversionary bonuses being offered by the company at the end of every year provided premiums were paid on time
  • Income tax benefits can be availed under section 80C and section 10 (10) D

Eligibility:

Premium Payment Term Policy Term Minimum Entry Age Maximum Entry Age Maximum Maturity Age
5 years 10 years 8 years 55 years 65 years
10 years 10 years 8 years 55 years 65 years
12 years 20 years 0 years 50 years 70 years
15 years 15 years 3 years 55 years 70 years
20 years 20 years 0 years 50 years 70 years
25 years 25 years 0 years 50 years 75 years
30 years 30 years 0 years 45 years 75 years
35 years 35 years 0 years 45 years 80 years

Premium Payment Frequency: Yearly, half-yearly, quarterly or monthly

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Elite Advantage

Features:

  • Saving plan with guaranteed pay-outs at regular intervals
  • Guaranteed maturity benefits
  • Flexible premium payment term options
  • Income Tax benefits to avail from

Benefits:

  • At the time of maturity, the policyholder shall be paid sum assured along with guaranteed pay-outs up to 8.5-9.5% provided all the premiums are paid and policy is active
  • In case the insured dies, higher the sum assured or 11 times the annual premium is paid including the guaranteed additions subject to a minimum of 105% of all premiums paid till the date of the death
  • Three options of 5, 7 and 12 years are given to choose from for premium payment terms
  • Income tax benefit is available under section 80C and section 10 (10) D

Eligibility:

Entry Age Minimum – 8 years for 10year policy term; 6 years for 12year policy term | Maximum: 65 years
Maturity Age Maximum – 75 years for 10year policy term; 77 years for 12year policy term
Policy Term 10 and 12 years
Sum Assured Depends on minimum premium
Minimum Annualized Premium Rs. 24,000 for 5year premium payment term | Rs. 15,000 for 7year premium payment term | Rs. 12,000 for 12year premium payment term
Premium Payment Term 5 years for 10year policy term | 7/12 years for 12year policy term
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly
Maturity Pay-out Period End of 10th year till end of 20th year for 10year policy term | End of 12th year till end of 20th year for 12year policy term
Guaranteed Pay-out Frequency Yearly, half-yearly, quarterly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Aajeevan Sampatti+

Features:

  • Saving plan with promise of guaranteed pay-outs
  • Life cover up to the age of 100
  • Non-guaranteed bonuses till maturity starting from the 6th year
  • Income Tax benefits on premium paid and claims received

Benefits:

  • Policy offers guaranteed additions that start accruing under the plan for each completed policy year as per the policy tenure. These additions are at the rate of 5.5% of the sum assured for a policy tenure of up to 100 years and 6% of the sum assured for a policy tenure of up to 85 years
  • If the insured dies, the nominee shall be paid higher of sum assured or 11 times the annual premium is paid including guaranteed additions subject to a minimum of 105% of total premiums paid till the date of the death
  • If the insured survives till maturity, he will be paid the sum assured
  • Discount on premium is available for selecting a sum assured of Rs. 4 lakhs and above
  • Income tax benefits are applicable under section 80C and section 10 (10) D

Eligibility:

Entry Age Minimum – 91 days | Maximum: 60 years for up to 100tear policy term | 50 years for up to 85year policy term
Maturity Age 100 or 85 years as per policy term
Sum Assured Minimum: Rs. 50,000
Premium Payment Term 10 years and 15 years
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Monthly Income Plan+

Features:

  • Saving plan offering monthly income options after the completion of premium payment term
  • Option of receiving bonuses
  • The plan can also be considered for retirement planning
  • Income Tax benefits are available

Benefits:

  • After the completion of premium payment term, a guaranteed monthly income will be paid till maturity. This income is tax free!
  • There is a flexibility to select your monthly income and that will decide your premium amount
  • At the time of maturity or death, sum assured along with accrued non-guaranteed reversionary bonuses and terminal bonuses, if any, are paid to the policyholder or the nominee
  • Also, in case the policyholder dies, a percentage of monthly income is payable to the nominee and this amount will be over and above the monthly income paid before the death of the policyholder
  • For a policy term of 20 and 30 years, if the monthly income is greater than or equal to Rs. 3000, there is a 2% discount on the premium
  • Income tax benefits can be availed under section 80C and section 10 (10) D

Eligibility:

  15year Policy Term 20year Policy Term 30year Policy Term
Minimum Age 3 0 0
Maximum Age 65 60 50
Maximum Maturity Age 80 years    
Minimum Monthly Income Rs. 2000 Rs. 1750 Rs. 750
Minimum Sum Assured Rs. 1,92,000 Rs. 2,10,000 Rs. 1,35,000
Minimum Premium Varies according to monthly income Varies according to monthly income Varies according to monthly income
Premium Payment Term 7years 10years 15years
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly Yearly, half-yearly, quarterly or monthly Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Secure Income Plan

Features:

  • Saving Plan offers limited payment and guaranteed income
  • Depending on the plan term you choose, guaranteed additions of up to 10% are regularly added during plan term
  • Maturity benefits are guaranteed
  • Tax benefits are applicable on the policy

Benefits:

  • Guaranteed income shall be paid monthly after the end of premium payment term, until maturity, provided all premiums are paid and policy is active
  • This monthly income is tax free and is issued at 8% of the sum assured for a period of 10 years
  • A percentage of sum assured, called as guaranteed addition is added to the policy after every completed year of premium payment term and thus at the time of maturity, you shall receive sum assured plus guaranteed additions. These are calculated as:
    Policy Term Premium Payment Term Annual Guaranteed Addition
    15 years 5 years 7% of sum assured
    17 years 7 years 8.5% of sum assured
    20 years 10 years 10% of sum assured
  • Death Benefits: In case the policyholder dies, a percentage of monthly income shall be payable to the nominee. This will be over and above the monthly income pay-outs made before the death of the insured. The death benefits are calculated as below:
    Policy Term Death Benefit
    15 years Higher of (Sum assured plus guaranteed additions accrued till date of death) or (105% of premiums paid) or (11 times annual premium paid)
    17 years Higher of (Sum assured plus guaranteed additions accrued till date of death) or (105% of premiums paid) or (11 times annual premium paid)
    20 years Higher of (Sum assured plus guaranteed additions accrued till date of death) or (105% of premiums paid) or (13 times annual premium paid)
  • Income tax benefits are available under section 80C and section 10 (10) D

Eligibility:

  15 years Policy Term 17 years Policy Term 20 years Policy Term
Minimum Age 3 1 0
Maximum Age 65 63 60
Maximum Maturity Age 80 80 80
Minimum Premium Varies according to frequency of premium payment Varies according to frequency of premium payment Varies according to frequency of premium payment
Premium Payment Term 5years 7years 10years
Premium Payment Frequency Yearly, half-yearly, quarterly, monthly Yearly, half-yearly, quarterly, monthly Yearly, half-yearly, quarterly, monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Flexi Save

Features:

  • It’s a saving plan that also offers the option of withdrawing your saving anytime during the Flexi benefit period while the policy is active
  • Options of earning bonuses
  • Offers three options to choose from for premium payment terms
  • Income tax benefits are applicable on the insurance plan

Benefits:

  • The plan offers Flexi Benefit period that functions as follows:
Premium Paying Term 5 pay 7 pay 12 pay
Flexi Benefit Period Anytime between the end of 10 to 20 years Anytime between the end of 15 to 25 years Anytime between the end of 20 to 30 years
  • There is a provision of earning non-guaranteed reversionary bonuses and terminal bonuses, if any, from the first year of the policy itself that is paid out at the time of maturity or death (whichever is earlier)
  • Death Benefit: In case the insured dies, the nominee shall receive the higher of base sum assured or 105% of premiums paid or a multiple of annual base premium plus non-guaranteed accrued bonus and terminal bonus, if any
  • Maturity Benefit: At the time of maturity of the policy, the policyholder is liable to receive 100% of the sum assured and non-guaranteed accrued bonus and terminal bonus, if any
  • Avail income tax benefits under section 80C and section 10 (10) D

Eligibility:

  20 years Policy Term 25 years Policy Term 30 years Policy Term
Minimum Age 8 3 0
Maximum Age 65 60 55
Maximum Maturity Age 85 years 85 years 85 years
Premium Payment Term 5 years 7 years 12 years
Flexi Benefit Period 10-20 years 15-25 years 20-30 years

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Secure Saving Plan

Features:

  • The comprehensive savings plan offers a lumpsum amount on maturity
  • Guaranteed additions as high as 10% p.a. as a percentage of cumulative premiums are offered
  • Tax benefits are available for premium paid and claims received

Benefits:

  • Comprehensive protection with guaranteed additions of up to 10% p.a.
  • At the end of every policy year, guaranteed additions of up to 10% p.a. and payable at the time of death or at maturity
  • Maturity Benefits: Sum assured with guaranteed additions will be paid at the time of policy maturity
  • Death Benefits: Higher of 100% of sum assured plus guaranteed additions on the premium paid or 105% of premiums till date of death or 10 times annualized premium is payable at the time of the death of the insured
  • Income tax benefits applicable under section 80C and section 10 (10) D

Eligibility:

Minimum Entry Age 3 years for 15 years Policy term | 0 years for 20years policy term
Maximum Entry Age 55 years for 15 years Policy Term | 50 years for 20year Policy Term
Maximum Maturity Age 70 years
Minimum Sum Assured Depends on minimum premium
Policy Term 15 or 20 years
Premium Payment Term Same as policy term
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Invest Once

Features:

  • A saving plan with guaranteed additions
  • Flexibility in choosing the policy term between 5 years and 10 years
  • Added benefit of enhancing life coverage by paying additional premium

Benefits:

  • Based on the policy term chosen, guaranteed additions will accrue for each completed policy year at the rate of 7% of the sum assured for policy tenure of 5 years and 9% of the sum assured for policy tenure of 10 years
  • Maturity Benefit: Sum assured along with guaranteed additions shall be paid at the time of maturity of the policy
  • Death Benefit: Higher of the sum assured chosen by the insured or sum assured on maturity or 125% or 110% of single premium plus mortality of the sum assured is paid
  • Income tax benefits under section 80C and section 10 (10) D shall be available

Eligibility:

Minimum Entry Age 8 years for 10 years Policy term | 13 years for 5years policy term
Maximum Entry Age 55 years
Maximum Maturity Age 60 years for 5year policy| 65 years for 10year policy
Minimum Sum Assured Depends on minimum premium
Policy Term 5 or 10 years
Minimal Annual Premium Amount Rs. 5000
Premium Payment Frequency Single

Bharti AXA Life Child Advantage Plan

Features:

  • Traditional savings plan with an in-built premium waiver feature for the benefit of your child
  • Two pay-out options available: Money back or endowment
  • Policy term options available: 11 years and 21 years
  • Option to earn bonuses as well
  • Offer the option to pay premium as regular pay and limited pay
  • Income Tax benefits applicable on the policy for premiums paid and claims received

Benefits:

  • Maturity Benefits: Following 2 options are available-
    1. Money Back Option: Offers guaranteed pay-outs in the last 5 years before the maturity of the plan. At the time of maturity, it offers guaranteed 40% of sum assured. The pay-outs are designed as:
      1. 10% of sum assured at the end of 5th year before the maturity date
      2. 10% of sum assured at the end of 4th year before the maturity date
      3. 15% of sum assured at the end of 3rd year before the maturity date
      4. 15% of sum assured at the end of 2nd year before the maturity date
      5. 20% of sum assured at the end of 1 year before the maturity date
    2. Endowment Option:  You can avail 125% of the sum assured at the time of maturity of the policy
  • Waiver of Premium:  If the policyholder dies within the policy term, all future premiums are waived off and the child continues to receive all the benefits as decided at the time of buying the policy
  • Death Benefits: If the insured dies, the nominee shall receive higher of the 110% of the sum assured for money back option and 125% of the sum assured for endowment option or 11 times the base annualized premium along with guaranteed benefits.
  • Bonuses: Non-guaranteed reversionary bonuses along with guaranteed additions are also paid at the time of maturity
  • Based on the age of your child, you can select the policy term as 11 years or 21 years
  • Income tax benefits are applicable under section 80C and section 10 (10) D

Eligibility:

Premium Type Regular Pay | Limited Pay
Policy term 11-21 years | 11-21 years
Premium Payment Term Same as policy term | Policy Term minus 5 years
Minimum Entry Age : 18 years | 18 years
Maximum Entry Age 50 years | 55 years
Maximum Maturity Age 71 years | 76 years
Minimum Sum Assured Rs. 25,000 | Rs. 25,000
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery

Bharti AXA Life Monthly Advantage

Features:

  • Plan offers guaranteed monthly income on survival or towards any unforeseen circumstances like death or disability
  • Additional bonuses are also offered
  • Options to choose from three different policy terms or 12, 16 and 24 years
  • Income tax benefits are applicable on premiums paid and claims received

Benefits:

  • When the policy matures, the insured shall be paid non-guaranteed revisionary bonuses and terminal bonuses, if any
  • Non-guaranteed revisionary bonuses and terminal bonuses, if any, that get accrued from the completion of the first year of the policy shall also be paid at the time of maturity, death or accidental total permanent disability
  • Death/Accidental Total Permanent Disability: If the insured dies within the policy term or gets accidental total permanent disability (ATPD), he will be eligible for the higher of sum assured plus non-guaranteed revisionary bonuses and terminal bonuses, if any or 105% of all premiums paid as on date of the death. This benefit shall be payable in equal monthly instalments starting from the next month of the death or ATPD and shall be paid for the following number of months:

    Policy Term     : No. of Months for which Death Benefit will be payable
    12 years          : 72 months
    16 years          : 96months
    24 years          : 144 months

  • Survival Benefit: Provided the policy is active, the guaranteed monthly income shall be payable monthly starting from the end of the next month after the completion of the premium payment term. The quantum and period of such payment is described as:

    Policy term: Premium Payment Term            :  Survival benefit as % of (annual    premium/12)
    12 years      : 6 years                               :  105%
    16 years       : 8 years                               :  110%
    24 years       : 12 years                             : 120%

Eligibility:

Minimum Entry Age 6 years for 12 years Policy term | 2 years for 16years policy term | 91 days for 24years policy term
Maximum Entry Age 65 years for 12 & 16years policy term | 60 years for 24years policy term
Maximum Maturity Age 77 years for 12years policy| 81 years for 16years policy | 84 years for 24years policy term
Minimum Sum Assured Rs. 50,000
Policy Term 12, 16 and 24years
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery

Bharti AXA Life eAajeevan Sampatti+

Features:

  • Non-linked saving plan that offers coverage till 100 years of age
  • Offers annual guaranteed pay-out from the end of 10th year of policy till maturity
  • Earn non-guaranteed bonuses from the end of 6th year of policy
  • Tax benefits applicable on the policy

Benefits:

  • Insurance policy will cover you till 100 or 85 years of age depending on the policy term chosen
  • Guaranteed Pay-out Benefit: This product ensures annual guaranteed pay-outs until maturity, starting from the end of the 10th year. The amount depends on the policy term that you have selected and is calculated as:

    Policy Term     :           Guaranteed Annual Pay-out Percentage
    To age 100      :           5.5% of sum assured on maturity
    To age 85        :           6% of sum assured on maturity

  • Death Benefit: The policy covers the insured till 100 or 85 years of age and in case the insured dies within policy term, the nominee shall be eligible for a sum assured payable on death that is higher of sum assured on maturity or 11 times annualized premium or 105% of all premiums paid till the date of death
  • Bonuses: Non-guaranteed cash bonuses (as percentage of sum assured on maturity) shall be paid from the 6th year of the policy
  • Selecting Rs. 4 lakhs or more as sum assured on maturity shall attract a discount on premium
  • Income tax benefits can be availed under section 80C and section 10 (10) D

Eligibility:

Minimum Entry Age 91 days
Maximum Entry Age 60 years for ‘to age 100’ Policy Term | 50 years for ‘to age 85’ Policy Term
Maximum Maturity Age 100 or 85 years
Minimum Sum Assured Rs. 50,000
Maximum Sum Assured No limit
Premium Payment Term 10 years and 15 years
Policy Term To age 100 and To age 85
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Super Series

Features:

  • The plan offers guaranteed money back in the form of Super 6 and Super 10 option from the end of premium payment until maturity
  • Lumpsum amount at the time of maturity
  • Maturity benefit is offered along with maturity addition
  • Tax benefits on premium paid and claims received

Benefits:

  • Guaranteed Money Back Option: If the policy is active and all premiums are paid till the premium payment term ends, a percentage of the sum assured on maturity will be paid at the end of year. It is calculated under two options as follows:
    1. Super 6 Option:

      End of Policy Year             :           Percentage of Sum Assured on Maturity
      6                                        :                       50%
      7                                        :                       12%
      8                                        :                       15%
      9                                        :                       18%
      10                                      :                       21%
      11                                      :                       24%

    2. B)  Super 10 Option:
      End of Policy Year                       :           Percentage of Sum Assured on Maturity
      10                                     :                       50%
      11                                      :                       12%
      12                                      :                       15%
      13                                      :                       18%
      14                                      :                       21%
      15                                      :                       24%
      16                                      :                       27%
      17                                      :                       30%
      18                                      :                       33%
      19                                      :                       36%

  • Maturity Benefit: At the time of maturity of the policy, sum assured on maturity shall be payable to the insured. In case the life insured is a minor at the time of issuance of the policy, he shall own the policy on attainment of 18 years of age
  • Guaranteed Maturity Addition: Additionally, at the time of maturity of the policy, an additional 30% of the sum assured on maturity shall be paid to the policyholder
  • Death Benefit: If the insured dies during the policy term, the nominee shall be paid the sum assured as death benefit that will be:
    1. Higher of 11 times annualized premium for Super 6 option and 15 times annualized premium for Super 10 option or
    2. 105% of all premiums paid as on date of the death or
    3. Sum assured on maturity
  • Income tax benefits under section 80C and section 10 (10) D can be availed

Eligibility:

Super Series Option Super 6 | Super 10
Policy Term 12 years | 20 years
Premium Payment Term 6 years | 10 years
Minimum Entry Age 6 years | 0 years
Maximum Entry Age 63 years | 60 years
Minimum Sum assured on Maturity Depends on Minimum Premium
Minimum Annualized Premium Rs. 18,000 | Rs. 15,000
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life Dhan Varsha

Features:

  • The plan offers flexibility in choosing policy term as well as premium payment term
  • Additional annual bonuses are offers under the plan
  • Waiver of premium option is available
  • Maturity Benefit as 100% of Sum assured is offered
  • Income tax benefits can be availed

Benefits:

  • Policy term options of 20 years and 25 years and premium payment term options of 10 years and 15 years are offered under the plan
  • Guaranteed survival benefits shall be paid until maturity at 6% of the sum assured after the end of 10th policy year
  • Non-guaranteed cash bonuses shall be paid annually starting from the 7th year of policy until maturity or death, whichever is earlier
  • Death Benefit: The death benefit is paid in the form of sum assured, which is the higher of
    1. Sum assured on death or
    2. 105% of all premiums paid till date of death.

      Here Sum assured on death is further calculated as highest of

      1. 10 times annualized premium or
      2. Absolute amount assured to be paid on death equal to sum assured under the policy or
      3. Sum assured on maturity where it is the sum assured under the policy
  • Income tax benefits are available under section 80C and section 10 (10) D

Eligibility:

Minimum Entry Age 91 days
Maximum Entry Age 55 years for 20 years Policy term | 50 years for 25 years Policy term
Maximum Age at Maturity 75 year
Minimum Sum Assured Rs. 25,000
Maximum Sum Assured No limit
Premium Payment Term & Policy Term Depends on Minimum Premium
Minimum Annualized Premium 10years premium payment term for 20years policy term | 15years premium payment term for 25years policy term
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Riders:

  • Bharti AXA Accidental Death Benefit Rider: it is a non-linked and regular pay rider that ensures payment of 100% of sum assured in case the insured dies due to an accident provided the rider policy is active
  • Bharti AXA Life Hospi Cash Rider: This rider provides payment of a fixed amount for each day the insured spends in a hospital. It also offers a fixed amount if the insured is admitted in Intensive Care Unit or a lumpsum amount for a surgery
  • Premium Waiver Rider: 100% of the future premiums are waived and paid by the company in the event of the proposer’s death, total permanent disability or critical illness

Bharti AXA Life eFuture Invest

Features:

  • This is a unit-linked investment plan offering excellent returns with a life cover
  • Option to choose from two premium payment plans
  • Flexibility of partial withdrawals available
  • Zero allocation charges
  • Income tax benefits applicable on the policy

Benefits:

  • It’s only an online plan and hence extremely affordable when it comes to premiums
  • The plan doesn’t charge any allocation charges. However other charges like mortality, fund management etc. shall be applicable
  • It offers only one policy term of 10 years
  • Two premium payment options available of Single Pay and 5 years
  • Death Benefit: In case the insured dies during the policy term, the nominee shall be paid the higher of sum assured or fund value
  • Option available of staying invested in the plan for additional 5 years after maturity
  • Provided all premiums are paid and policy is active, the insured is allowed partial withdrawals for the policy and fund value, after the policy has completed 5 years

Eligibility:

Minimum Entry Age 18 years
Maximum Entry Age 60 years
Maximum Age at Maturity 70 years
Minimum Premium Premium Payment Term of 5 years: Rs. 18,000 | Single Pay Premium Payment Term: Rs. 25,000
Maximum Premium Rs. 1 crore for 5 pay | Rs. 8 crore for Single Pay
Policy Benefit Periods 10 years
Premium Payment Term Single Pay and 5 years
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly

Bharti AXA Life Future Invest Plan

Features:

  • Premium payment term is limited, but allows to stay invested for a longer duration
  • Zero allocation charges
  • Flexibility of paying premium
  • Option available of partial withdrawals
  • Income tax benefits available on premium paid and benefits received

Benefits:

  • Plan allows you to pay premium for 5 years or Single Pay and enjoy benefits for 10 years
  • Offer to stay invested for additional 5 years after maturity
  • Option available for switching and premium redirection to maximise your returns on investment
  • Tax benefits available under section 80C and section 10 (10) D
  • Death Benefit: If the policyholder dies during the policy term, the nominee shall receive the higher of sum assured or fund value

Eligibility:

Minimum Entry Age 18 years
Maximum Entry Age 59 years
Maximum Age at Maturity 69 years
Policy Term 10 years
Premium Payment Term Single Pay and 5 years
Premium Payment Frequency Single or Yearly, half-yearly, quarterly or monthly
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