Bharti AXA Life Insurance
  • 24 Hours Claim Settlement
  • Life Cover
  • Waiver of Premium
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Bharti AXA Life Insurance

Bharti AXA Life Insurance Ltd. is a joint venture between the Paris-headquartered Insurance MNC (AXA Group), and the Indian conglomerate Bharti Enterprises. It was founded in 2006 and offers a wide range of insurance products to its customers. Based on the regulatory framework prescribed for the insurance companies, AXA has a 49% stake, while Bharti holds the majority 51% stake in the joint venture.

Providing protection, savings, investment, health, and group plans, Bharti AXA Life Insurance company has a distribution across 123 cities in India with 263 offices and has issued 17,70,000+ policies. Bharti enterprises has a diversified portfolio of operations based out of Europe, North America, and the Asia Pacific area

Bharti AXA offers multiple plans, customers have an array of plans laid out and can choose insurance products ranging from traditional to investment plans or ensure protection for their children through a child plan. Bharti AXA Term insurance brings together strong values wherein they function on being customer-centric. Their commitment to solving insurance problems is reflected in their impressive claim settlement percentage.

Awards And Achievement

Bharti AXA Life Insurance has won multiple awards and accolades for its exceptional performance in the Indian Insurance Sector. Read more to find out the achievements of Bharti AXA Life Insurance.

  • Mobile App of the Year - India in the Insurance Asia Awards 2021
  • Customer Service Excellence Awards at ABP New BFSI Awards, 2019
  • Technology Initiative of the Year at ABP News BFSI Awards, 2019
  • General Insurance Company of the Year- at ET Now presents BFSI Awards, 2019
  • Micro Insurance Leader- General Insurance at ET Now presents BFSI Awards 2019
  • Non-Life Insurer of the Year, 2019 at ASSOCHAM
  • General Insurance Company of the Year at CMO Global Stars of the Industry Awards, 2019
  • Technology Initiative of the Year- General Insurance at CMO Global Stars of the Industry Awards, 2019.

Key Features of Bharti AXA Life Insurance

Bharti AXA Life Insurance offers an economical way of securing your family after you. It is important that you choose the right insurer and the right plan that will best suit the potential needs of your family. So, before choosing any life insurance company, you need to check some important factors of the insurance company such as claim settlement ratio, solvency ratio, annual premium, and operating network.

To get more insight into Bharti AXA Life Insurance Company's performance, take a look at the below key features that will help you to analyze the company based on its performance:

  • Solvency Ratio
    The solvency ratio of the company helps an individual ascertain the company's ability to meet its long-term financial obligations. The Solvency Ratio of Bharti AXA Life Insurance company for 2020-21 is 1.83. (As per the IRDAI, it is mandatory for every life insurer to maintain a solvency ratio of 1.5).
  • Claim Support
    The company holds a good and reliable claim-settling process with a CSR of 99.05%. (CSR as per IRDAI report of the year 2020-21). The Bharti AXA Insurance holds one of the highest claims settlement ratios amongst all the insurance companies.
  • Annual Premium
    As per the IRDAI report 2020-21, Bharti AXA Life Insurance recorded an annual premium of Rs. 2,280.82 Crores.
  • PAN India Presence
    Bharti AXA Life Insurance Company has 250+ branches across India and additional distribution touch-points through several new tie-ups and partnerships. Apart from its PAN India presence, it has consultants that will guide you through its wide array of products and help you pick what is right for you.
bharti axa life Insurance Key Features

Benefits of Bharti AXA Insurance Company

During a difficult time in the family, people want to rely upon an insurance company that is efficient and offers hassle-free services and support. Bharti AXA Life Insurance offers multiple benefits to its consumers

  • Reliable and hassle-free claim settlement The claim settlement ratio of Bharti AXA Life Insurance is among the finest in the country. At an impressive 99.05%, it is one of the healthiest claim settlement ratio and one of the highest among insurance companies.
  • 24*7 customer service Bharti AXA is connected with its customers through various channels, which include phone, email, and social media assuring them a quick response despite the gravity of their query.
  • A wide variety of options Bharti AXA Life Insurance recognizes various needs of every individual and therefore offers multiple alternatives. Besides, there are a variety of riders available to supplement your term insurance coverage.
  • Longer coverage You can opt for term insurance plans with longer coverage options that offer Life covering up to the age of 85, and you can also receive whole life insurance up to the age of 99.
  • Economical term plans The nominal premiums of Bharti AXA ensure that they fit within your budget.

Bharti AXA Life Insurance Plans

To cater to the dynamic insurance needs of an individual and their family, Bharti AXA Life Insurance comes with several plans. Bharti AXA Life Insurance Company comes with a range of plans that allow the customers to choose their ideal plan as per their and their family's requirements. The company ensures to offer a plan for everyone.

  1. Bharti AXA Life Term Insurance

    Bharti AXA Life Term Insurance offers financial protection to your family in case of any unfortunate event and allows them to live their lifestyle.

    Plan Entry Age Tenure Minimum Sum Assured
    Bharti AXA Life Flexi Term Pro Minimum Age:- 18 years
    Maximum Age:- 65 years
    1/5/10 to 50 years Rs. 25,00,000
    Bharti AXA Life POS Saral Jeevan Bima Yojana Minimum Age:- 18 years
    Maximum Age:- 55 years
    10/15/20/25 years Rs. 50,000
    Bharti AXA Life Saral Jeevan Bima Plan Minimum Age:- 18 years
    Maximum Age:- 65 years
    5 to 40 years Rs. 5,00,000
    Bharti AXA Life Flexi Term Plan Minimum Age:- 18 years
    Maximum Age:- 65 years
    5/10/15/20 years Rs. 10,00,000
    Bharti AXA Life Grameen Jeevan Bima Yojana Minimum Age:- 18 years
    Maximum Age:- 55/60 years
    5/10 years Rs. 10,000
    Bharti AXA Life Smart Jeevan Minimum Age:- 18 years
    Maximum Age:- 50 years
    12 years Rs. 50,000
    Bharti AXA Life Income Protection Plan Minimum Age:- 18 years
    Maximum Age:- 50/55/58 years
    12/15/20 years Rs. 5,00,000

    Know More About: Bharti AXA Term Insurance

  2. Bharti AXA Life Savings & Child Plan

    Bharti AXA Life products offer some well-thought Child Education Plans which will help you secure your child's future.

    Plan Entry Age Tenure Minimum Sum Assured
    Bharti AXA Life Guaranteed Wealth Pro Minimum Age:- 91 days
    Maximum Age:- 59 years
    25 years Based on Minimum Premium
    Bharti AXA Life Shining Stars Minimum Age:- 18 years
    Maximum Age:- 60 years
    12 to 20 years Rs. 50,000
    Bharti AXA Life Super Series Minimum Age:- 6 years
    Maximum Age:- 63 years
    12/20 years Based on Minimum Premium
    Bharti AXA Life Guaranteed Income Pro Minimum Age:- 91 days
    Maximum Age:- 60 years
    12/14/15/16/20/22/24 years Rs 25,000
    Bharti AXA Life Super Endowment Plan Minimum Age:- 91 days
    Maximum Age:- 65 years
    18/20 years Rs 50,000
    Bharti AXA Life Unnati Minimum Age:- 91 days
    Maximum Age:- 60 years
    15/20/24/ 100 years Based on Minimum Annualized Premium
    Bharti AXA Life Elite Advantage Minimum Age:- 8 years
    Maximum Age:- 65 years
    10 to 12 years Based on Minimum Premium
    Bharti AXA Life Monthly Income Plan+ Minimum Age:- 0 years
    Maximum Age:- 65 years
    15/20 and 30 years Rs. 1,92,000
    Bharti AXA Life Dhan Varsha Minimum Age:- 91 days
    Maximum Age:- 55 years
    20 and 25 years Rs. 25,000
    Bharti AXA Life Samriddhi Minimum Age:- 0 years
    Maximum Age:- 55 years
    10/15/20/25/30/35 years Based on Minimum Premium
    Bharti AXA Life Monthly Advantage Minimum Age:- 91 days
    Maximum Age:- 65 years
    12/16 and 24 years Rs. 50,000
    Bharti AXA Life Secure Income Plan Minimum Age:- 0 days
    Maximum Age:- 65 years
    15/17 and 20 years (Maturity benefit) Sum Assured + Guaranteed Additions
    Bharti AXA Life Guaranteed Income Plan Minimum Age:- 91 days
    Maximum Age:- 84 years
    15/19/23 and 29 years Rs. 25,000
    Bharti AXA Life POS Saral Bachat Yojna Minimum Age:- 3 years
    Maximum Age:- 55 years
    10 and 15 years Rs. 15,602
    Bharti AXA Life Child Advantage Minimum Age:- 18 days
    Maximum Age:- 55 years
    11 to 21 years Rs. 25,000
    Bharti AXA Life Flexi Save Minimum Age:- 0 days
    Maximum Age:- 65 years
    20/25/30 years Based on Minimum Premium
    Bharti AXA Life Serv Suraksha Minimum Age:- 18 years
    Maximum Age:- 50 years
    5 years (Maturity Benefit) 110% of the single premium
  3. Bharti AXA Life Investment Plan

    Bharti AXA Life Insurance offers the perfect mix of insurance and investment policy that helps to achieve the goal of wealth creation and along with life cover.

    Plan Entry Age Tenure Minimum Sum Assured
    Bharti AXA Life Wealth Pro Minimum Age:- 91 days
    Maximum Age:- 65 years
    10/15/20/25/30 years Rs. 12,000
    Bharti AXA Life eFuture Invest Minimum Age:- 18 years
    Maximum Age:- 60 years
    10 years 125% of single premium
    Bharti AXA Life Grow Wealth Minimum Age:- 0 years
    Maximum Age:- 64 years
    5/10/15/20 years Higher of 10 times Annualized Premium
    Bharti AXA Life Future Invest Plan Minimum Age:- 18 years
    Maximum Age:- 59 years
    10 years Higher of 10 times Annualized Premium
  4. Bharti AXA Retirement Plan

    Bharti AXA retirement plans are designed uniquely to help you get rid of financial stress and to be able to enjoy a blissful time in a carefree manner

    Plan Entry Age Tenure Minimum Sum Assured
    Bharti AXA Life Ajeevan Sampatti+ Minimum Age:- 91 days
    Maximum Age:- 60 years
    85/100 years Rs. 50,000
    Bharti AXA Life Saral Pension Minimum Age:- 40 years
    Maximum Age:- 80 years
    Whole life (Annuity) Rs. 1,000

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

How To Buy Bharti AXA Life Insurance?

Bharti AXA Life allows you to buy insurance plans via two platforms. You can either buy the plan online from the official website of the company or through third-party intermediaries like agents, brokers, etc. Given below is a detailed explanation of both these types of buying processes.

Through PolicyX.com

  • Fill out the form given at the top of this page with the necessary details.
  • Select your income and city. Click on 'Proceed'.
  • Update your education and occupation details.
  • Choose your preferred plan and click on 'Buy this plan'.
  • Select policy term, premium period, and riders (if required) and then proceed to do the payment.

**Once the payment is made, you will get a payment confirmation at your registered email address.

Steps to buy from Bharti AXA Life insurance company

  • Visit the official website of Bharti AXA Life Insurance Company.
  • Click on the navigation bar and select the category of insurance plan you want to purchase.
  • Click on the ‘Buy Now’ button and fill in the required details.
  • Tap on 'Next' and select a plan as per your requirements.
  • Select the cover option you want and make your payment.

How to File Bharti AXA Term Insurance Claims?

Filing a claim for Bharti AXA Term Plan is a simple and hassle-free task. You can easily fill and submit their claims online or walk into your nearest Bharti AXA Life branch. To file a claim for Bharti AXA Term Plan, you need to follow the below-mentioned steps.

Claim Intimation

Inform the company about the incident via various channels- by writing an email at lifeclaims@bhartiaxalife.com calling on the toll-free number (1800 102 4444), filling out the online claim form on its website, or by visiting the nearest branch. The following details have to be provided during the intimation of your claim:

  • Name of the policyholder
  • Policy number
  • Date of death/event of the life assured
  • Nominee name
  • Cause of death
  • Contact details

A claim reference number/intimation number will be provided to you upon successful registration of the claim.

Document Submission

Submit the necessary documents requested by the company to process the claim. In the case of natural death-

  • Death claim form.
  • Death certificate.
  • Original policy documents.
  • Claimant's identity & residence Proof.
  • Medical records at the time of death & past illnesses.
  • Account details of the nominee.

In the case of unnatural death (Accidental death/Murder/Suicide)-

  • Death claim form.
  • Death certificate.
  • Original policy documents.
  • Claimant's identity & residence proof.
  • FIR, police inquest report & panchanama.
  • Post mortem report.
  • Account details of the nominee.

Claim Settlement

After receiving all the documents and claim forms, the company will verify the details as per their norms. On successful completion, the claim will be settled and the amount will be transferred to the nominee's bank account and the same will be communicated to him/her over a call or an email.

How to Contact Bharti AXA Life Insurance Company?

Unit No. 1902, 19th Floor, Parinee Crescenzo, ‘G’ Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai - 400051, Maharashtra.

service@bhartiaxa.com

Toll-Free Number: 1800 102 4444 (Available from 9:00 am to 7:00 pm IST)

Life Insurance Articles

Bharti AXA Life Insurance: FAQ

1. What is the exclusion under the Bharti AXA Flexi Term policy?

Suicide in the first policy year is excluded.

2. How can I track my Claim status?

As a policyholder, you can track your claims visit here www.bharti-axagi.co.in/track-your-claim

3. Is Keyman insurance provided along with my Bharti AXA Life Flexi term insurance?

No. Keyman insurance is not provided along with the Bharti AXA Life Flexi term insurance as it is a pure term policy.

4. Does Bharti AXA provide additional riders to enhance my insurance coverage?

The following riders are available for all customers:

  • Bharti AXA Life Term Rider
  • Bharti AXA Life Premium Waiver Rider
  • Bharti AXA Life Hospi Cash Benefit Rider
  • Bharti AXA Life Accidental Death Benefit Rider
  • Bharti AXA Life Group Accidental Death Benefit Rider

5. How can I surrender a Bharti AXA life insurance policy?

You need to submit a duly filled surrender form along with the required documents (original policy documents, and a Cancelled cheque of the insured's name) to the nearest branch of the Bharti AXA life insurance.

6. Did Bharti AXA life insurance offer lower premium rates for non-smokers?

Yes, Bharti AXA life insurance company limited charged lower premiums to non-smokers compared with those who smoke.

7. What options do I have for paying the premium of my Bharti AXA Life insurance plan?

Bharti AXA Life Insurance company limited offers various types of payment modes for paying the premium of the policy such as:

  • Online
  • InstaPay
  • e-Bill Payment
  • Visa Bill Pay

8. How long does Bharti AXA Life Insurance company take to honour a claim?

Bharti AXA Life Insurance company settles life insurance claims within 5 days. However, those claims that require further investigation can take up to 4 months.

9. Can I use Electronic Clearing Services(ECS) to pay the premiums of the policy offered by Bharti AXA Life Insurance Co Ltd?

Yes, you can pay the premium through ECS by submitting the Auto Pay form along with a canceled cheque to your nearest Bharti AXA Life Insurance Co Ltd branch.

10. When can a claim be rejected by Bharti Axa Life Insurance Company Ltd?

Bharti Axa Life Insurance Company Ltd rejects a claim when:

  • policyholder withholds information at the time of purchase.
  • The reason for death does not come under the coverage of the policy.
  • Misstatement of facts.
  • Fraud.

11. Why should I purchase a life insurance policy from Bharti AXA Life Insurance?

There are multiple benefits to buying an insurance policy from Bharti AXA Life Insurance. You can easily change your coverage limits and include riders with your insurance policy in minutes. You can access your account anytime from anywhere. With an impressive claim settlement ratio and a dedicated claim handler for the policyholder, our claim settlement process is seamless.

12. What are the different services available on the Bharti AXA Life Insurance website?

As a customer, you can access most services online like paying premiums, requesting claim processing, renewal of the policy, and many more.

13. Can I download my policy contract from the customer portal?

Yes, you can download a soft copy of your policy contract from the customer portal by following the simple step: -

Click on the " View Policy Details " option on the dashboard page

14. Is there an app provided to customers for all insurance-related services?

Customers can use the customer portal and check the following statements from DigiServe:

  • Premium Paid Certificate
  • Fund statement
  • Portfolio summary etc.

15. How can I use the Bharti AXA Life Insurance Whatsapp Service?

You can avail their services via whatsapp by Sending ‘Hi’ on our WhatsApp number - 022 48815768.

What Our Customers Have to Say

Customer Review Image

Prerna Kumari

Mumbai

July 11, 2022

Good company. Presents nice term insurance plans and flexible plans also. My husband has brought one for the family.

Customer Review Image

Priya Sangwan

Mumbai

July 11, 2022

IndiaFirst Term Insurance company ensures that your family s needs are looked after. One of the best companies offers a term plan per your needs.

Customer Review Image

Priyanshi Deewan

Hyderabad

July 6, 2022

I recently received the claim amount of the policy that my husband had brought for us. I am glad that the company understands the needs of its customers and their families. Well done Canara HSB...

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Rishabh Kumar

Delhi

July 6, 2022

I bought a term plan with Canara HSBC for the protection of my family and have been satisfied with the benefits received. It is simple and easy to buy their plans.

Customer Review Image

Samarth Gaur

Chennai

July 6, 2022

I am very happy with the term plans offered by the Canara HSBC Life Insurance company. The plans offer comprehensive coverage and I am sure will support my family after my demise.

Customer Review Image

Vipul Bhardwaj

Coimbatore

June 9, 2022

Bharti AXA is a good life insurance company, and I am sure if something ha[opens to me, the company will look after my family s needs.

Customer Review Image

Karan Veer

Mumbai

June 6, 2022

Kotak Mahindra company has fast customer service and sells good life insurance policies. I suggest all my friends and family also buy a life cover policy from Kotak Mahindra company.

Customer Review Image

Urvashi R

Delhi

May 31, 2022

Hey everyone, just wanted to say that Kotak Mahindra Life Insurance is one of the best life insurance companies. You can even you should go for this company if you want to secure your family s ...