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Bharti Axa Life Term Insurance

 4.0 / 5.0   by 143 users
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Plan Benefits

Payment Options

Policy Coverage

Customer Service

Bharti offers two simple term plans at affordable premiums, namely Bharti AXA Life eProtect+ and Bharti AXA Life eProtect. The plans can be bought online sans cumbersome paperwork. Customers can also avail of some tax benefits on the payout benefits and premiums. Customers can avail of the term plans for any loans in case of your death.

Types of Bharti Axa Term Insurance Plans:

There are two types of Bharti Axa Term Plans as listed below:

  1. Bharti AXA Life eProtect
  2. Bharti AXA Life eProtect+

Bharti AXA Life eProtect

Aviva Life Shield Plus is a term policy that offers comprehensive cover at an affordable cost. Listed below are some of the important features of the product.

Feature

Description

Entry Age

Minimum: 18 years

Maximum: 65 years

Policy Term

Minimum: 10 years

Maximum: 75 years

Sum Assured

Minimum: Rs.25 lakh

Maximum: No limit

Premium

Affordable

Premium Payment Mode

Yearly, half-yearly

Premium

Equal to policy term

Death Benefit

Nominee receives Rs.1 lakh as lump sum upon insured’s death while the remaining will be provided after due formalities, provided the policy is active and two consecutive premiums have been paid

Bharti AXA Life eProtect+

It is term plan that offers return of premium on maturity.

Feature

Description

Entry Age

Minimum: 18 years

Maximum: 60 years

Policy Term

Minimum: 10 years

Maximum: 75 years

Sum Assured

Minimum: 50 lakhs

Maximum: No limit

Premium

Affordable

Premium Payment Mode

Yearly, half-yearly

Premium

Equal to policy term

Death Benefit

Available in two modes. First, death benefit is paid as monthly incomes for 15 years after demise of the insured. As per the second option, nominee gets 50% of Sum Assured as lump sum upon death of the life while the remaining is paid in 10 years in increasing annual instalments on an annual basis

Features & Benefits of Bharti Axa Life Term Plans:

  • A cover of Rs.1 crore is provided for Rs.6100.
  • In case of death of the life insured Rs.1 lakh is paid as a lump sum to the nominee as part of the family care benefit
  • Special rates for non-smokers with a sum assured of above Rs.50 lakh.
  • Customers can buy the plans online in the comfort of their homes
  • Customers can avail of tax benefits under relevant section of the IT Act, 1961
  • Under e-protect+ plan, customers can choose any one of the two death benefits - monthly income for 15 years and 50% lump sum of Sum Assured at the time of claim while the rest in increasing instalments on an annual basis for 10 years

Example of Bharti Axa Term Insurance Plans:

Subhash Varma, a 30-year-old non-smoker employee opts for the e-protect life plan for a policy term of 30 years. Varma opts for a sum assured of Rs.2 crores for which he pays an annual premium of Rs.14,600*. In the event of his unfortunate death within the policy term, his nominee will receive Rs.2 crores. Premium payment will be terminated after his death.

*exclusive of edu cess and service tax

Bharti Axa Life Term Insurance FAQs:

  1. Q. What are the riders available under Bharti Axa e-protect plan?

    A.Bharti AXA Life Accidental Death Benefit Rider (non-linked regular pay rider) and Bharti AXA Life Hospi Cash Rider.

  2. Q. Are non-smokers given preferential premium rates under life e-protect?

    A. Yes. Non-smokers given preferential premium rates under life e-protect

  3. Q. What are the premium payment mode for Bharti Axa term plans?

    A. Bharti Axa term plans are offered on a yearly and half-yearly basis

  4. Q. What is the minimum sum assured for Bharti Axa e-protect+ plan?

    A. The minimum sum assured under Bharti Axa e-protect+ plan is Rs.50 lakh

  5. Q. What is the minimum sum assured for Bharti Axa e-protect plan?

    A. The minimum sum assured under Bharti Axa e-protect plan is Rs.25 lakh

  6. Q. What is the maximum limit for sum assured for Bharti Axa term plans?

    A. There is no upper limit for sum assured for Bharti Axa term plans.

  7. Q. What is the minimum and maximum entry age for Bharti Axa e-protect plan?

    A. The minimum age is 18 years while the maximum is 65 years

  8. Q. What is the premium payment mode for Bharti Axa term plans?

    A.Bharti Axa term plans are offered on a yearly and half-yearly basis.

  9. Q. What is the death benefit available under Bharti Axa e-protect+ plan?

    A. Bharti Axa e-protect+ plan is available in two options. First, death benefit is paid as monthly incomes for 15 years after demise of the insured. As per the second option, nominee gets 50% of Sum Assured as lump sum upon death of the life while the remaining is paid in 10 years in increasing annual instalments on an annual basis./p>

  10. Q. What is the death benefit available under Bharti Axa e-protect plan?

    A. In case of death of the life insured Rs.1 lakh is paid as a lump sum to the nominee as part of the family care benefit /p>

Other Products Bharti AXA

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

Bharti AXA Term Insurance Reviews

Page 1 of 8 1 2 3 4 5
  • Bharti Axa Life Life Insurance
    "Good for nominee savings"
    0.5 4.0/5 "Great!"
    Reason to chose Bharthi Axa, my friend working there hence I took the policy. I have taken term insurance with the coverage of Rs.23 lakhs , I can add multiple nominees, I make the premium of Rs.95,000 its for per annum. It has term of 10 years, now a days they have different options too.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • Bharti Axa Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my Two wheeler insurance with Bharati axia , there service is good, while applying through insurance there agent had explain me clearly, about there service , so far there is no claim yet, i use to pay through on line.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 27, 2018
  • Bharti Axa Life Life Insurance
    "Good beneficial policy"
    0.5 5.0/5 "Blown Away!"
    Initially when I opted the policy they have better benefits compared to other insurance company. It has term of five years tenure I generally used to pay Rs. 12,000 on yearly basis. After the tenure I get the policy cover and interest, even its has life coverage.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 17, 2018
  • Bharti Axa Life Life Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken life insurance from the Bharti Axa life as it has good returns i make the payment through on-line banking annually . This policy covers accidental and critical illness benefits with the tenure period of 15 years . Overall am satisfied with my policy .
    Was this review helpful? 0
    , faridabad
    Reviewed on Dec 14, 2018
  • Bharti Axa Life Life Insurance
    "GOOD SERVICE"
    0.5 4.0/5 "Great!"
    It is a good policy that am using my life insurance policy with the BHARTI-AXA LIFE INSURANCE from past 2 years where the maturity period of this policy is for 12 years along with that the premium i pay for yearly once. There is option of transferring the policy up to 3 generations.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 24, 2018
  • Bharti Axa Life Life Insurance
    "Fraud Scam"
    0.5 0.5/5 "Unacceptable"
    Entire Bharti Axa team member is fraud. They have surrender my 12 year old policy putting my signature on the surrender form. They have done forgery, done fake signature & withdrawal my money. I have complained on 2nd Nov. Since no proper resolution. my policy number 500-0035682. Request not to purchase policy from this company. Later, I came found, almost all the employee involved through out India in this fraud scam.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Nov 14, 2018
  • Bharti Axa Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my term insurance with BHARATI AXA life insurance, they have many service centers near and the process was smooth and there premium they have charge is nominal , i do payment through on line or off line and their agent are very friendly in nature.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 30, 2018
  • Bharti Axa Life Life Insurance
    "Closing return very low"
    0.5 0.5/5 "Unacceptable"
    I had an insurance account with BHARTI-AXA for 20 years and I prepaid 27000. After 3 year I closed my loan account that is attached with insurance. Providing NOC I only got 8000 they have taken 19000 for 3 years. Totally froad. I emailed but never get reply. Don't take this company insurance. Support you will never get. No reply.
    Was this review helpful? 2
    , indore
    Reviewed on Oct 22, 2018
  • Bharti Axa Life Life Insurance
    "Better"
    0.5 4.0/5 "Great!"
    Customer service is good one with the Bharti axa life insurance company and the coverage value is around 25 lakh Rupees. I am really happy with them till now, also am happy with them till now. I have not faced any such issues with them.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jun 23, 2018
  • Bharti Axa Life Life Insurance
    "Best Policy Ever with Good Sum Assured Amount"
    0.5 5.0/5 "Blown Away!"
    Bharati - Axa policy is a death benefit policy. We will not get anything if nothing happened within the tenure of the policy. The family will get the amount if something happened to the policy holder. This a Term insurance Policy. I have been paying Rs.18000/ per year. The Sum assured amount is 1 crore. There is no others benefits. Total Tenure of the policy is 20 years. This is the best policy ever in the market
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 03, 2018
  • Bharti Axa Life Life Insurance
    "Satisfied"
    0.5 4.0/5 "Great!"
    My life insurance is with Bharti-Axa. The services are good. It was quite easy to buy the policy. The tenure is for 15 to 20 years. The premium is paid on a quarterly basis. I can make my payments on time and it the sum assure is also good. It is beneficial too.
    Was this review helpful? 0
    , solapur
    Reviewed on Mar 23, 2018
  • Bharti Axa Life Life Insurance
    "Good insurance"
    0.5 4.0/5 "Great!"
    I have taken a life insurance policy with Bharti Axa. It is a good policy and am satisfied with the benefits. The customer was good. The total duration is 12 years and I have completed 5 years. I pay the premium through online. I am paying 50K per annum for this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 13, 2018
  • Bharti Axa Life Life Insurance
    "Average Policy"
    0.5 2.0/5 "Expected more"
    I have a term insurance with Bharti Axa from last 3 years and it is a average policy to use. The tenure of this term insurance is 20 years. I make my premium payments once in a year by net banking. Customer service is not up to the mark and they do not give the right information about the policy. I am happy with the coverage of this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 08, 2018
  • Bharti Axa Life Life Insurance
    "Good Investment"
    0.5 4.0/5 "Great!"
    I have taken around 5-6 Insurance policy from Bharathi Axa. I have been paying Rs.17000 as a premium for a year. They are giving me good return on it. It's a monthly Income plan. The return is a fixed one and as per market standards. Decent experience with them.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 02, 2018
  • Bharti Axa Life Life Insurance
    "Excellent"
    0.5 4.0/5 "Great!"
    Taken a life insurance with BHARTI-AXA LIFE INSURANCE. The insurance is policy is good and plan benefits are really very good. The payment is done via online transfer. Also I have been paying rs 1,00,000 per year. The tenure period is for 15 years.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Feb 14, 2018
  • Bharti Axa Life Life Insurance
    "Best"
    0.5 5.0/5 "Blown Away!"
    Taken my life insurance with BHARTI-AXA LIFE INSURANCE, their response is great with them and I have not faced any issues with them till now. I have completed 10 years with them. Responsiveness and other features are really better one with the BHARTI-AXA LIFE INSURANCE.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 23, 2018
  • Bharti Axa Life Life Insurance
    "Good "
    0.5 4.0/5 "Great!"
    I am having the life insurance policy with the Bharti axa life insurance company and their response is fine one with them and I have not faced any issues with them till now. Responsiveness and other features are really better one with the Bharti axa life insurance company.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 18, 2018
  • Bharti Axa Life Life Insurance
    "One of the best"
    0.5 5.0/5 "Blown Away!"
    I do have life insurance policy with the Bharti Axa life insurance company and I have not made any claims with them. Its the term policy and the coverage value is around a crore of Rupees like I would say its really a huge one. Customer service is up to the mark with them.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 02, 2018
  • Bharti Axa Life Life Insurance
    "Reliable Insurance "
    0.5 4.0/5 "Great!"
    I have taken a Term Insurance with Bharti -Axa Life insurance.I pay the lowest premium compared to others but the benefits are huge unlike other companies.The premium amount is 8400.The policy coverage is 50 lakhs.I have this policy ten years ago.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 13, 2017
  • Bharti Axa Life Life Insurance
    "Plan benefit should be increased"
    0.5 3.0/5 "Satisfactory"
    I am not happy about Plan benefits of Bharthi AXA life insurance, I used to make high premium for the policy cover but its not upto the mark. I paid the tenure of ten years, but I got some benefits, I would like to suggest them, they should increase their benefit of policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 01, 2017
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