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Updated on Aug 27, 2025 61 min read

Bajaj Allianz Life e-Touch

Bajaj Allianz e-touch is a pure term insurance plan safeguarding you and your loved ones from unforeseen circumstances. The plan is equipped to manage various uncertainties of life. Bajaj e-touch plan offers 3 plan variants namely: Life Shield, Life Shield Plus, and Life Shield ROP.

Bajaj Allianz e-touch term plan offers multiple sum assured options paired with a plethora of features and coverage against death, and terminal illness with a waiver of premium, maturity benefit, and return of premiums. With Bajaj Allianz e-touch customers have the option to opt for early exit value applicable only with Life Shield and Life Shield Plus variants. To understand more about the pros and cons of the Bajaj Allianz e-touch term plan read in detail.

Bajaj Allianz Life e-Touch Term Plan offers you a range of benefits including:

Shield for your life to cover death & terminal Illness
Flexibility to pay premiums throughout the policy term
Get back your total premiums
Extra payout in case of death due to accident

Choose how your family receives the benefit in your absence
Premium holiday option which helps you skip your premiums for 1, 2 or 3 years

Eligibility Criteria for Bajaj Allianz Life e-Touch

Entry age

Minimum Age - 18 years Maximum Age - 65 years

Maturity age

Maximum Maturity Age - 99 years

Policy term

Minimum term - 10 years Maximum term - 40 years

Sum assured

Base sum assured: 50 lakhs to no limit.

Policy loan

The policy loan is not available under Smart Total Elite Protection Plan.

Payment modes

Annual, half-yearly, quarterly & monthly

How Does Bajaj Allianz Life e-Touch Plan Work?

Let's understand how the Bajaj Allianz Life e-Touch Plan works with a simple premium illustration.

Problem

Mr. Verma is looking for a term plan that covers him for terminal illnesses and provides financial safety to his family in case of his unfortunate demise.

Solution

His financial advisor advised him to buy the Bajaj Allianz Life e-Touch Plan. He visited PolicyX.com

Let's understand how the Bajaj Allianz Life e-Touch Plan works for him with a premium illustration table.

Age of policyholder	Annual premiums	Policy tenure	Premium payment term	Total premiums paid	Sum assured
35 years	Rs 22,220	50 years	50 years	Rs 3,33,300	Rs 1 crore

Key Takeaways: In case of Mr. Verma's demise during the policy tenure, Rs 1 crore will be paid to their nominee.

Benefits of Bajaj Allianz Life e-Touch

Here are the benefits associated with the Bajaj Allianz Life e-Touch

Riders Associated with Bajaj Allianz Life e-Touch Plan

You can add the following riders to your Bajaj Allianz Life e-Touch Plan:

Bajaj Allianz Critical Illness Rider

In case the policyholder is diagnosed with the mentioned critical illnesses, the rider benefits are paid.

Bajaj Allianz Life Waiver of Premium Plus Rider

This rider waives off all future premiums of your policy under these circumstances- critical illness, dismemberment, or death.

Bajaj Allianz Family Protect Rider

The Bajaj Allianz Family Protect Rider is an optional add-on to certain Bajaj Allianz Life Insurance policies that provides additional financial protection for your parents, specifically in the event of your death or accidental total permanent disability.

Features of Bajaj Allianz Life e-Touch

Choice of plan option

Bajaj Allianz e-Touch plan provides you the option to choose from Life Shield, Life Shield Plus and Life Shield ROP.

Life Stage Upgrade

Bajaj Allianz Life e-touch term plan offers insured individuals the opportunity to upgrade their sum assured during important milestones of their life such as marriage, birth or adoption of 1st child, home loan, and education loan for children.

Choice of death benefit option

Choose how your family receives the benefit in your absence, as a lump sum or a combination of lump sum & monthly income

Extra payout in case of the accident.

Bajaj Allianz e-Touch Term Plan offers extra payout in case of the accident of the policyholder.

Exclusions of Bajaj Allianz Life eTouch Plan

Here is the list of exclusions associated with the plan:

Death due to suicide within 12 months of policy purchase.
Death due to consumption of drugs and alchohol.
Death due to war and terrorrism.
Death due to adventure sports.

Conclusion

Bajaj Allianz Life e-Touch Plan is a simple term plan that offers financial protection to your loved ones after your demise. This plan offers a range of benefits including- special exit value, inbuilt terminal illness cover, cover continuance benefit, etc. If you are still confused about which term plan is best for you then you can contact us at PolicyX.com. One of our insurance representatives will contact you shortly, understand your requirements, and suggest a plan that suits your needs.

Explore more about Bajaj Allianz Term Insurance Company

Explore other Bajaj Allianz Term Insurance

Bajaj Allianz Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with Bajaj Allianz Term Insurance plans. Below is the list of term plans offered by Bajaj Allianz.

Bajaj Allianz Superwoman

‘A woman who takes care of everyone in the family deserves a comprehensive solution that provides her protection.’ Bajaj Allianz Superwoma...

Unique Features

Critical Illness Cover
Free Health Management Services
Child Care Benefit

Bajaj Allianz Superwoman (Pros)

Critical Illness Cover
Free Health Management Services
Child Care Benefit

Bajaj Allianz Superwoman (Cons)

1 year waiting period for suicide
No policy loan
No pre-existing illness cover

Bajaj Allianz Superwoman (Other Benefits)

Death Benefits
Terminal Illness
Benefit Waiver of Premium

Bajaj Allianz Superwoman (Eligibility Criteria)

Entry age - 18 years
Max entry age - 60 years
Min sum assured - Rs 50 lakhs
Max maturity age - 99 years
PPT - RP/SP/LP

Bajaj Allianz iSecure More

Bajaj Allianz iSecure More by Bajaj Allianz Life Insurance is an increasing cover term assurance plan. It offers a financial safety net to your loved ...

Unique Features

Flexible Policy Tenure
Option to Avail Joint Life Cover
High Sum Assured Rebate

Bajaj Allianz iSecure More (Pros)

7 Plan Options
Cover Continuance Benefit
Inbuilt Terminal Illness Cover

Bajaj Allianz iSecure More (Cons)

1 year WP for suicide
No policy loan
No whole life coverage

Bajaj Allianz iSecure More (Other Benefits)

Death Benefits
Increasing Sum Assured
Tax Rebates

Bajaj Allianz iSecure More (Eligibility Criteria)

Entry age - 18 years
Max entry age - 60 years
Min sum assured - Rs 2.5 lakhs
Max maturity age - 70 years
PPT - Same as policy term

Bajaj Allianz Diabetic Term

Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c is a unique protection plan offering term insurance coverage to pre-diabetics and type 2 diabetic in...

Unique Features

Keep Fit Benefit
Health Coaching
Second Medical Opinion

Bajaj Allianz Diabetic Term (Pros)

Premium Reduction on Renewal
Good Health Premium Discounts
Health Management Services.

Bajaj Allianz Diabetic Term (Cons)

No Maturity Benefit
No Surrender Value
Limited Coverage With Hba1c Level Above 8%

Bajaj Allianz Diabetic Term (Other Benefits)

Tax Benefits Available
Flexible Sum Assured Options
Multiple Premium Payment Frequencies

Bajaj Allianz Diabetic Term (Eligibility Criteria)

Entry Age -30 Years
Max Entry Age- 6 Years
Minimum Sum Assured - 25 L
Maximum Maturity Age - 75 Yrs
Premium Payment Term - LP

Bajaj Allianz Life Smart Protect Goal

Bajaj Allianz Life Smart Goal Protect is a comprehensive insurance plan that offers multiple benefits. An economic plan with affordable premium rates,...

Unique Features

Critical illnesses covered
Return of Premiums
4 Plan variants

Bajaj Allianz Life Smart Protect Goal (Pros)

Critical Illness Benefit
Accidental Death Benefit (ADB)
Accidental Total Permanent Disability Benefit

Bajaj Allianz Life Smart Protect Goal (Cons)

No Loans Allowed
180 Days WP For Critical Illness
No Rebate for SA above 3 cr

Bajaj Allianz Life Smart Protect Goal (Other Benefits)

Suicide Cover After 12 Months
Female Life Rebate
High Sum Assured Rebate (HSAR)

Bajaj Allianz Life Smart Protect Goal (Eligibility Criteria)

Entry Age -18 Years
Max Entry Age- 65 Years
Min Sum Assured - 5 L
Max Maturity Age - 75 Yrs(ROP)
Premium Payment Term - RP/SP/LP

Bajaj Allianz Lifestyle Secure Plan

Most Indians consider insurance an unnecessary expense because they're not sure whether to get life insurance or health insurance. What if we told you...

Unique Features

Level Cover Term
Terminal Illness Cover
Flexible-Premium Payment Term

Bajaj Allianz Lifestyle Secure Plan (Pros)

Family Cover
Choose your Policy Term (PT)
Inbuilt Accelerated Terminal Illness

Bajaj Allianz Lifestyle Secure Plan (Cons)

No Loans Allowed
No Surrender Benefit
No Maturity Benefit

Bajaj Allianz Lifestyle Secure Plan (Other Benefits)

Suicide Cover
Easy Claim Settlement
Policy revival Within 5 Years

Bajaj Allianz Lifestyle Secure Plan (Eligibility Criteria)

Entry Age -18 Years
Max Entry Age- 50 Years
Minimum Sum Assured - 3L
Maximum Maturity Age - 60 Years
Premium Payment Term - 5/ 7/ 10/ 15/ 20 Yrs

Bajaj Allianz iSecure Loan

Bajaj Allianz iSecure Loan is a pure protection loan cover term life insurance plan. With a flexible policy term and a minimum sum assured of 3 lacs, ...

Unique Features

Protection against loan
Joint life cover
Rider benefits

Bajaj Allianz iSecure Loan (Pros)

Suicide Cover
Tax benefits
Policy Revival within 5 Years

Bajaj Allianz iSecure Loan (Cons)

No Survival Benefit
No Surrender Benefit
No Discount Benefit

Bajaj Allianz iSecure Loan (Other Benefits)

Accidental Death Benefit Rider
Waiver of Premium Benefit Rider
Accidental Permanent Total/Partial Disability Rider

Bajaj Allianz iSecure Loan (Eligibility Criteria)

Entry Age -25 Years
Max Entry Age- 60 Years
Minimum Sum Assured - 3 L
Maximum Maturity Age - 65 Yrs
Premium Payment Term - 10/ 15/ 20/ 25 years

Bajaj Allianz Saral Jeevan Bima

Bajaj Allianz Sararl Jeevan Bima is a non-linked, non-participating individual, pure-risk premium life insurance plan designed to provide financial se...

Unique Features

Death Benefit
Tax Benefit
25 Lakh Max Sum Assured

Bajaj Allianz Saral Jeevan Bima (Pros)

Spouse Cover
Max Sum Assured 25 Lakh
Available for Online Buying

Bajaj Allianz Saral Jeevan Bima (Cons)

No Survival Benefit
No Surrender Benefit
No Maturity Benefit

Bajaj Allianz Saral Jeevan Bima (Other Benefits)

Avail Tax Benefits
Easy Claim Settlement Process
Flexible-Premium Payment term

Bajaj Allianz Saral Jeevan Bima (Eligibility Criteria)

Entry Age -18 Years
Max Entry Age- 65 Years
Minimum Sum Assured - 5L
Maximum Maturity Age - NA
Premium Payment Term - RP/SP/LP (5&10 Years)

Bajaj Allianz Life Secure

Bajaj Allianz Life Secure is an advanced term insurance plan that offers protection till your 100th birthday. This plan is a non-linked and non-partic...

Unique Features

3 Plan Options
Critical Illness Benefit
Waiver Of Premium

Bajaj Allianz Life Secure (Pros)

Surrender Benefit
Suicide Cover
Choose your Sum Assured

Bajaj Allianz Life Secure (Cons)

No Survival Benefit
No Thyroid Cancer Cover
No Maturity Benefit

Bajaj Allianz Life Secure (Other Benefits)

Death Benefit
Accelerated Critical Illness
Waiver of premium Benefit

Bajaj Allianz Life Secure (Eligibility Criteria)

Entry Age -18 Years
Max Entry Age- 65 Years
Minimum Sum Assured - 20 L
Maximum Maturity Age - NA
Premium Payment Term - 5 7 10 and 15 years

Bajaj Allianz iSecure

Bajaj Allianz iSecure is a non-linked, non-participating plan that offers an advanced level of term insurance coverage at a low cost. The plan offers ...

Unique Features

105% Death Benefit
Rider Benefit
50 lakhs Max Sum Assured

Bajaj Allianz iSecure (Pros)

No Suicide Cover
Healthy Lifestyle Incentives
Customizable Options

Bajaj Allianz iSecure (Cons)

No Maturity Benefit
Limited Rider Options
Limited Availability for POS Channel

Bajaj Allianz iSecure (Other Benefits)

Tax Benefits
Premium Payment Options
High Sum Assured Rebate (HSAR)

Bajaj Allianz iSecure (Eligibility Criteria)

Entry Age -18 Years
Max Entry Age- 65 Years
Minimum Sum Assured - 2.5 L
Maximum Maturity Age - 85 Yrs
Premium Payment Term - 10 to 25 Yrs

Bajaj Allianz Life e-Touch

Bajaj Allianz e-touch is a pure term insurance plan safeguarding you and your loved ones from unforeseen circumstances. The plan is equipped to manage...

Unique Features

High SI Available
Accidental Death Benefit
Health Management Services

Bajaj Allianz Life e-Touch (Pros)

Shield
Shied Plus
Shield Supreme

Bajaj Allianz Life e-Touch (Cons)

No Loans Allowed
No Surrender Benefit
No Maturity Benefit

Bajaj Allianz Life e-Touch (Other Benefits)

Max Sum Assured 2 Cr
Sheild Super
High Sum Assured Rebate (HSAR)

Bajaj Allianz Life e-Touch (Eligibility Criteria)

Entry Age -18 Years
Max Entry Age- 65 Years
Minimum Sum Assured - 50 L
Maximum Maturity Age - 75 Yrs
Premium Payment Term - 10 to 40 Yrs

Bajaj Allianz Life e-Touch: FAQs

1. What is the eligibility criteria for Bajaj Allianz e-touch?

The eligibility criteria for Bajaj Allianz e-touch term plan is as follows: Min Entry Age - 18 Years Max Entry Age - 65 Years

2. What are the sum assured options available under the Bajaj Allianz E-touch term plan?

The sum assured options available under the Bajaj Allianz E-touch term plan is between 50 Lakh to no limit.

3. Can insurance holders avail of tax benefits with the Bajaj Allianz E-touch term plan?

Yes, Insurance holders are eligible to avail of tax benefits for the premiums paid towards Bajaj Allianz e-touch term plan as per the Income Tax Act, of 1961.

4. What are the various plan variants available under Bajaj Allianz e-Touch Plan?

There are 3 plan variants under Bajaj Allianz e-touch term plan: Life Shield Life Shield Plus Life Shield ROP

5. What are the various benefits available to insurance holders under Bajaj Allianz e-touch plan?

The various benefits available on the purchase of Bajaj Allianz e-touch are as follows: Death Benefit Accidental Death Benefit Terminal Illness Benefit Waiver of Premium on ATPD/TI Maturity Benefit and more.

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Written By: Himanshu Kumar

Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.

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Bajaj Allianz Life e-Touch

Eligibility Criteria for Bajaj Allianz Life e-Touch

Entry age

Maturity age

Policy term

Sum assured

Policy loan

Payment modes

How Does Bajaj Allianz Life e-Touch Plan Work?

Problem

Solution

Benefits of Bajaj Allianz Life e-Touch

Recommended Videos

Riders Associated with Bajaj Allianz Life e-Touch Plan

Bajaj Allianz Critical Illness Rider

Bajaj Allianz Life Waiver of Premium Plus Rider

Bajaj Allianz Family Protect Rider

Features of Bajaj Allianz Life e-Touch

Choice of plan option

Life Stage Upgrade

Choice of death benefit option

Extra payout in case of the accident.

Exclusions of Bajaj Allianz Life eTouch Plan

Conclusion

Explore more about Bajaj Allianz Term Insurance Company

Explore other Bajaj Allianz Term Insurance

Bajaj Allianz Superwoman (Pros)

Bajaj Allianz Superwoman (Cons)

Bajaj Allianz Superwoman (Other Benefits)

Bajaj Allianz Superwoman (Eligibility Criteria)

Bajaj Allianz iSecure More (Pros)

Bajaj Allianz iSecure More (Cons)

Bajaj Allianz iSecure More (Other Benefits)

Bajaj Allianz iSecure More (Eligibility Criteria)

Bajaj Allianz Diabetic Term (Pros)

Bajaj Allianz Diabetic Term (Cons)

Bajaj Allianz Diabetic Term (Other Benefits)

Bajaj Allianz Diabetic Term (Eligibility Criteria)

Bajaj Allianz Life Smart Protect Goal (Pros)

Bajaj Allianz Life Smart Protect Goal (Cons)

Bajaj Allianz Life Smart Protect Goal (Other Benefits)

Bajaj Allianz Life Smart Protect Goal (Eligibility Criteria)

Bajaj Allianz Lifestyle Secure Plan (Pros)

Bajaj Allianz Lifestyle Secure Plan (Cons)

Bajaj Allianz Lifestyle Secure Plan (Other Benefits)

Bajaj Allianz Lifestyle Secure Plan (Eligibility Criteria)

Bajaj Allianz iSecure Loan (Pros)

Bajaj Allianz iSecure Loan (Cons)

Bajaj Allianz iSecure Loan (Other Benefits)

Bajaj Allianz iSecure Loan (Eligibility Criteria)

Bajaj Allianz Saral Jeevan Bima (Pros)

Bajaj Allianz Saral Jeevan Bima (Cons)

Bajaj Allianz Saral Jeevan Bima (Other Benefits)

Bajaj Allianz Saral Jeevan Bima (Eligibility Criteria)

Bajaj Allianz Life Secure (Pros)

Bajaj Allianz Life Secure (Cons)

Bajaj Allianz Life Secure (Other Benefits)

Bajaj Allianz Life Secure (Eligibility Criteria)

Bajaj Allianz iSecure (Pros)

Bajaj Allianz iSecure (Cons)

Bajaj Allianz iSecure (Other Benefits)

Bajaj Allianz iSecure (Eligibility Criteria)

Bajaj Allianz Life e-Touch (Pros)

Bajaj Allianz Life e-Touch (Cons)

Bajaj Allianz Life e-Touch (Other Benefits)

Bajaj Allianz Life e-Touch (Eligibility Criteria)

Bajaj Allianz Life e-Touch: FAQs

1. What is the eligibility criteria for Bajaj Allianz e-touch?

2. What are the sum assured options available under the Bajaj Allianz E-touch term plan?

3. Can insurance holders avail of tax benefits with the Bajaj Allianz E-touch term plan?

4. What are the various plan variants available under Bajaj Allianz e-Touch Plan?

5. What are the various benefits available to insurance holders under Bajaj Allianz e-touch plan?

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