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Bharti AXA Life Insurance has an exciting range of life insurance and other insurance products for its customers spread across India. Depending on their requirements, customers can choose from a range of insurance products classified as under.
- Term Plans
- Savings Plans
- Investment Plans
- Health Plans
- Group Plans
Bharti AXA Life Insurance Term Plans
Bharti AXA Life Insurance Term Plans are the simplest form of life insurance products that offer substantial financial cover for a specific period. They provide financial stability to your family in your absence.
- Bharti AXA Life Premier Protect Plan offers full financial protection to your family in your absence. You also have the facility to increase security at critical milestones. It comes with facilities to include three types of riders available to individual insurance plans.
- Bharti AXA Life Grameen Jeevan Bima Yojana is a micro-insurance plan designed to provide insurance cover in the event of the policyholder’s demise. This policy offers the unique facility of return of the premium amount paid at the end of the insurance policy term as a lumpsum amount.
- Bharti AXA Flexi Term is a unique term insurance plan that offers the facility to choose between three different life cover payout options. These options are lumpsum amount, monthly income, and 50% lumpsum plus monthly income. This insurance policy permits the policyholder to extend protection beyond life cover and cover critical illnesses.
- Bharti AXA Life Smart Jeevan offers your family protection for 12 years in the event of an untoward incident. On the expiry of the policy term, you are entitled to receive 100% of the premium you have invested.
- Bharti AXA Life POS Saral Jeevan Bima Yojana is a simple term insurance policy designed to provide life insurance cover in the event of the policyholder’s demise. It comes with a double benefit in the case of death of the policyholder due to an accident.
- Bharti AXA Life Income Protection Plan ensures that your family receives income in annual instalments for 15 to 20 years in the event of the unfortunate demise of the policyholder.
Bharti AXA Life Insurance Savings Plans
Following are savings plans offered by Bharti AXA Life Insurance:
- Bharti AXA Life Shining Stars is an endowment insurance plan designed to cater to the financial requirements of your child in case you are not around to take care of it.
- Bharti AXA Life Elite Advantage is a comprehensive savings plan that offers double benefits of guaranteed payouts of 8.5% to 9.5% of the sum assured on maturity. Besides, it provides the payment of 100% of the sum assured at maturity. You can choose the mode of guaranteed pay-outs as annual, semi-annual, or quarterly.
- Bharti AXA Life Super Series offers a lumpsum payout at the end of the premium payment term. It also guarantees increasing payouts until plan maturity along with the payment of a lump sum amount at maturity.
- Bharti AXA Life Super Endowment Plan allows you to build your wealth in a planned manner while helping you to meet your future expenses and financial goals.
- Bharti AXA Life Monthly Income Plan Plus provides excellent benefits in the form of guaranteed monthly income along with the benefits of non-guaranteed bonuses and protection for your family in the unfortunate event of the policyholder’s death.
- Bharti AXA Life Dhan Varsha is a traditional savings plan offering non-guaranteed cash bonuses from the 7th year, guaranteed survival benefits from the 10th year, and a lump sum amount on maturity. In the meanwhile, your life is insured throughout to protect your family's future.
- Bharti AXA Life Samriddhi provides a unique opportunity to participate in the profits of the participating fund of the company in the form of non-guaranteed bonuses payable on maturity or the policyholder’s death.
- Bharti AXA Life Monthly Advantage gives you the flexibility to choose your policy term and the premium payment term from three exciting options. Thus, you receive a steady income without staying invested for extended periods.
- Bharti AXA Life Secure Income Plan provides you with an additional source of monthly income while providing financial security to your family simultaneously.
- Bharti AXA Life Guaranteed Income Plan offers an opportunity to get increasing income every year to meet rising costs and provide life insurance coverage to the policyholder.
- Bharti AXA Life POS Saral Bachat Yojana helps to plan for your future needs and provide financial support to your family to secure their future in the case of your demise.
- Bharti AXA Life Child Advantage comes with an in-built premium waiver benefit while offering you the flexibility to choose from two maturity benefits, endowment, and money-back, thereby meeting your child’s career goals.
- Bharti AXA Life Aajeevan Sampatti Plus offers dual benefits of guaranteed annual payouts with life coverage up to 100 years. Besides, you enjoy non-guaranteed cash bonuses until maturity.
- Bharti AXA Life Flexi Save is a unique savings plan that lets you meet your goals while allowing the flexibility of withdrawing your savings during the Flexi benefit period.
- Bharti AXA Life Serv Suraksha provides life insurance coverage and financial protection to secure your family by making a single premium payment.
- Bharti AXA Life Guaranteed Income Pro plan is life insurance cum savings plan. This plan has two options namely Endowment option and Income option.
Bharti AXA Life Insurance Investment Plans
Bharti AXA Life Insurance offers exciting short-term and long-term investment plans to meet your needs while providing life coverage simultaneously.
- Bharti AXA Life Wealth Pro is an insurance-cum-savings plan that provides a comprehensive financial solution with life cover up to ten times your premium. Simultaneously, it allows you to build wealth, thereby fulfilling your family’s aspirations.
- Bharti AXA Life eFuture Invest is an online unit-linked plan offering excellent returns and life coverage. You can choose between a single premium and a 5-year premium payment while reaping the benefits of 10.
- Bharti AXA Life Grow Wealth is a savings-oriented unit-linked insurance plan offering multiple fund options to cater to your investment needs while protecting your family in the event of your demise. You also enjoy the benefits of loyalty addition.
- Bharti AXA Life Future Invest Plan allows you to invest your money for a limited period and reap excellent returns at the end of the policy term. It is an offline version of the Bharti AXA Life eFuture Invest policy.
Bharti AXA Life Insurance Health Plans
Bharti AXA Life Insurance offers an exciting health insurance plan to help you to meet rising medical costs.
- Bharti AXA Life Triple Health Insurance Plan is a unique health insurance plan that enables you to make up to three claims for unrelated critical illnesses. The best feature of this plan is that all your future premiums are waived after you make the first claim.
Bharti AXA Life Insurance Group Plans
Bharti AXA Life Insurance Group Insurance Plans help small businesses and other organisations to offer life insurance facilities to their employees.
- Bharti AXA Life Group Term Micro Insurance Plan is a micro-insurance term plan that covers the life of group members and provides the flexibility of two death benefit payout options.
- Bharti AXA Life Group Term Insurance Plan is a comprehensive term insurance policy offering life coverage to the group members. They get the benefit of choosing from two death benefit payout options.
- Bharti AXA Life Group Loan Protect protects the customer’s family in the unforeseen event of his/her death by providing financial security to settle the outstanding liabilities.
- Bharti AXA Life Group Suraksha is a low-cost annual renewable group term insurance product specially designed for NGOs and cooperative institutions operating in the rural areas and social sectors.
- Bharti AXA Life Jan Suraksha benefits micro-financial institutions offering small-ticket loans to self-employed individuals and NGOs working for developing the economically weaker sections of society.
- Bharti AXA Life Loan Secure offers joint coverage for multiple loan segments whereby the family does not have to repay the liabilities in the event of the unfortunate demise of the policyholder.
- Bharti AXA Pradhan Mantri Jeevan Bima Yojana is a one-year renewable group term insurance product designed to meet the Indian Government’s PMJJBY scheme.
- Bharti AXA Life Smart Bima is a flexible group life term insurance plan with a death benefit and the option of paying the premiums monthly or annually.
- Bharti AXA Life Unit Linked Employee Benefits Plan enables employers to pay their employee benefits like gratuity and leave encashment.
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Bharti AXA Life Insurance User Reviews
Claim Process at Bharti AXA Life Insurance
Claim IntimationIn the event of the death of the life assured, the insurance company should be intimated as early as possible.
Submission of DocumentsFor easy claim settlement, claim form, original policy document, death certificate and others documents should be submitted on time.
Claim EvaluationAfter successful submission of documents, the insurance company will thoroughly evaluate the claim filed.
Claim SettlementIf claim request is approved, claim is settled within 30 days. In case of additional investigation, claim process may take 120 days.
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FAQ About Bharti AXA Life Insurance
To whom would Bharti AXA Life Insurance pay the claim money?
Bharti AXA Life Insurance pays the claim amount to the claimant in the case of hospitalisation claim. In the case of a death claim, the claim is payable to the nominee.
Who can be a nominee in a Bharti AXA Life Insurance policy?
Policyholders can name any person as a nominee. However, the nominee is generally a close relative, preferably the next of kin.
Can Bharti AXA Life Insurance reject an insurance claim?
Yes, Bharti AXA Life Insurance can reject claims if the claimant/nominee has provided incorrect information. Similarly, non-disclosure can also result in a claim rejection.
If the policy is not assigned, then in what time will the refund be done?
If the policy is not assigned then it takes only 10 working days to process the refund for the premium amount given for purchasing the policy.
How long does it take for Bharti AXA Life Insurance to honour a claim?
Generally, Bharti AXA Life Insurance honours life insurance claims within five days. However, claims requiring further investigation can take a maximum of four months.