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Bharti AXA Life Insurance
Bharti AXA Life Insurance
Bharti AXA Life Insurance Ltd. is a joint venture between the Paris-headquartered insurance MNC, AXA Group, and the ...Read More
What you get with Bharti AXA Life Insurance
The headline features and policy mechanics, at a glance.
Annual Premium 2908.30 crore
Affordable premium options starting from entry-level to comprehensive whole-life protection.
99.18% claim settlement ratio
Industry-leading approval rate on eligible life insurance claims in the most recent fiscal year.
1.6% solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
4+ optional riders
Extend a base policy with add-on covers — critical illness, accidental death, waiver of premium and more.
200 pan-India presence
Branch offices and claim service centres across India for easy policy servicing.
Bharti AXA Life Insurance: Overview
Bharti AXA Life Insurance Ltd. is a joint venture between the Paris-headquartered insurance MNC (AXA Group) and the Indian conglomerate Bharti Enterprises. Founded in 2006, it offers a wide range of insurance products to its customers. Based on the regulatory framework prescribed for the insurance companies, AXA holds 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 has a distribution across 123 cities in India with 263 offices and has issued over 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, providing customers with an array of choices ranging from traditional to investment plans, or protection for their children through a child plan.
Bharti AXA Life Insurance brings together strong values, functioning on customer-centricity. Their commitment to solving insurance problems is reflected in their impressive claim settlement percentage.
Bharti AXA Life Insurance ensures to look after your insurance needs by offering:
- Reliable and hassle-free claim settlement
- 24*7 customer service
- A wide variety of options
- Longer coverage
Features of Bharti AXA Life Insurance
Solvency Ratio: The solvency ratio helps an individual ascertain the company's ability to meet its long-term financial obligations. For 2022-23, Bharti AXA Life Insurance Company's solvency ratio is 1.6 (IRDAI mandates a minimum of 1.5).
Claim Support: The company boasts a reliable claim settlement process with a CSR of 99.01% (IRDAI report 2022-23), ranking among the highest in the industry.
Annual Premiums: As per the IRDAI report 2022-23, Bharti AXA Life Insurance recorded annual premiums of Rs. 2,920.58 Crores.
PAN India Presence: Bharti AXA Life Insurance Company has over 250 branches across India and additional distribution touch-points through several new tie-ups and partnerships. Beyond its extensive presence, the company provides consultants to guide customers in choosing the right products.
Benefits of Bharti AXA Life Insurance Plans
Bharti AXA Life Insurance Plans offer numerous advantages. Key advantages include:
Economical term plans
Bharti AXA's nominal premiums make plans affordable and budget-friendly.
Longer coverage
Opt for term plans with coverage up to age 85, or whole life insurance up to age 99.
A wide variety of options
Recognizing diverse individual needs, Bharti AXA Life Insurance offers multiple plan alternatives and a variety of riders to supplement your coverage.
24*7 customer service
Bharti AXA connects with customers via phone, email, and social media, ensuring quick responses to all queries.
Riders You Can Avail With Bharti AXA Life Insurance Plans
Enhance your life plan with optional add-on riders for broader protection.
Accidental Death Benefit Rider
Provides an additional payout over the base cover in case of accidental death.
Accidental Total & Permanent Disability Rider
Offers additional coverage over the base plan for total and permanent disability due to accidents.
Premium Waiver Rider
Waives future premiums in case of critical illness, permanent disability, or death.
Hospi Cash Benefit Rider
Provides a fixed daily benefit for hospitalization and a lump sum for surgery.
Documents required
For policy purchase and claim submission. Have these ready before you start.
Photo ID Proof (any one)
Passport, Aadhaar card, PAN card, Driving license.
Age Proof (any one)
Passport, Aadhaar card, PAN card, Driving license.
Address Proof (any one)
Utility bill, passport, Voter ID, ration card.
Medical Records (if requested).
Income Proof (any one)
Bank statement, last three months' salary slips (for salaried individuals).
How to Buy a Bharti AXA Life Insurance Plan?
Step-by-step guides for the four key moments in your policy lifecycle. Click a tab to switch.
- Visit the PolicyX.com website or the Bharti AXA Life Insurance official website to compare and choose a suitable life plan.
- Enter your personal details such as name, date of birth, gender, annual income, and smoking status to get a customised quote.
- Compare plan options — choose your sum assured, policy term, premium payment term, and any optional riders.
- Fill in the proposal form with your contact details, nominee information, and medical history accurately.
- Upload the required documents: identity proof, address proof, income proof, and recent photographs.
- Pay the first premium online via net banking, UPI, debit/credit card, or cheque.
- Complete the medical examination if required (depends on your age and sum assured).
- Receive your policy document via email and registered post after underwriting approval.
How to File Bharti AXA Life Insurance Claims?
Every claimant/nominee is assigned a dedicated Claims Relationship Officer who assists throughout the entire process. The life insurance claim settlement process at Bharti AXA Life Insurance involves the following three steps:
Online Process
1. Claim Intimation
Inform the company about the incident via various channels: email at [email protected], calling the toll-free number (1800-102-4444), filling out the online claim form on its website, or visiting the nearest branch. A claim reference/intimation number will be provided upon successful registration.
2. Document Submission
Submit the necessary documents requested by the insurer to process the claim.
For natural death: death claim form, death certificate, original policy documents, claimant's identity and residence proof, medical records, and nominee's account details.
For accidental death: the above documents plus FIR and post-mortem report.
3. Claim Settlement
Once Bharti AXA Life Insurance receives your claim, they will verify all details and may request additional documents if needed. A claim reference number will be sent after document verification.
Offline Process
Claims can also be reported by visiting a local Bharti AXA Life Insurance Branch Office. Visit their website to locate the nearest branch. Submit the essential documents at the branch for claim processing.
- Log in to the Bharti AXA Life Insurance customer portal or the PolicyX.com dashboard before your policy renewal date.
- Review your existing policy details — coverage, premium amount, and nominee information.
- Choose to continue with the same plan or upgrade your sum assured if eligible.
- Pay the renewal premium online via net banking, UPI, debit/credit card, or cheque.
- Download the renewed policy document from your registered email or the insurer portal.
- Visit the official website of Bharti AXA Life Insurance Company and scroll down to the end of the page.
- Click on the "Buy Online" tab under Popular Links.
- Click on 'Know More' under 'Types of Plans'.
- Click on 'Calculate' at the top right corner.
- Fill in the required details and click 'Calculate'. Upon payment, a confirmation will be sent to your registered email address.
What's covered — and what's not
The standard inclusions and exclusions across Bharti AXA Life Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✗ Exclusions
- Death due to pandemics such as COVID-19 or Ebola will not be covered by the company.
- Death due to indulging in any type of adventure sports.
- Death due to consumption of any type of drugs and alcohol.
- Death due to any pre-existing disease not declared at the policy's inception.
- If a policyholder commits suicide during the first 12 months after obtaining the insurance, the nominee receives no death benefit. They receive just the premiums paid up to the incident date or the policy's surrender value, whichever is greater.
Conclusion
Bharti AXA Life Insurance has established itself as a trusted provider of financial security in India, offering a wide range of life insurance products to meet diverse customer needs. With a strong focus on customer service, innovation, and reliable claim settlement, the company continues to strengthen its position in the market. For more information on Bharti AXA Life Insurance, contact PolicyX.com at the toll-free number 1800-4200-269 or email us at [email protected].
Why Choose PolicyX.com?
Don't just take our word for it — check out what our happy customers say about us!
All my claims were rejected for 3 years. Then, I received a text from PolicyX team, who noticed that my claims hadn't been settled. They managed to get my claims settled, totalling ₹4.5 L. I really appreciate the efforts of the PolicyX advisors for their support in settling my claims.
Ravindra SinghI highly appreciate the help of the PolicyX team for settling my claim of Rs. 5 Lakhs with zero deductions. I took a policy online from them in March 2024. As a customer, it's been a great experience throughout the process.
Priti VarshneyI'm very satisfied because my claim of over ₹2 L has been settled as a result of your team effort. However, I was very upset with the insurer, who delayed the claim for almost 2 months. But with your support and interaction, the claim was settled within 30 days & I appreciate it a lot.
Nisha MaryI bought my health policy from PolicyX, and so far, it's been a very pleasant experience with the team. I really appreciate the help for renewing my health policy. I look forward to continuing my relationship with PolicyX and recommend it to everyone.
Ajay ShahPolicyX has been a savior during a medical emergency in my family recently. My wife was admitted in the hospital, and the insurance company declined my claim request. The PolicyX team handled the situation very well and I received the claim right on time.
Vijay RathodI purchased a health plan for the very first time and the support by PolicyX is commendable. They helped me with the paperwork, explained the policy details to me with patience and supported me at every step of policy buying. A big thanks to you guys.
Uma MahajanFrequently asked questions
The 15 most-asked questions about Bharti AXA Life Insurance, answered.
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