Bharti AXA Group Suraksha
  • Affordable premiums
  • No Medical examination
  • Flexible-Premium Paying modes
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Bharti AXA Life Group Suraksha

Are you looking for a term plan that covers several people, is simple, and has simple and low-cost premiums? If yes, then today we have got you a term plan named Bharti Axa Group Suraksha that not only provides life insurance to its members on their unfortunate death but also does not require medical underwriting during purchase.

Bharti Axa Life Group Suruksha is a pure-term insurance plan, designed to provide term coverage for one year for groups such as institutions, co-operatives, and NGOs operating in rural and social sectors.

In this article, we will discuss all key parameters related to Bharti Axa Group Suraksha.

Bharti AXA Group Suraksha: Eligibility Criteria

Parameters Specifications
Policy Benefit Period One year
Size of the Group Minimum 15
Age of Entry Min - 18 years
Max - 15 years
Sum Assured Min - 5 thousand
Max - 25 thousand
Premium paying modes Annual, Semi-annual, Monthly, Quarterly

What are the Features of Bharti AXA Group Suraksha?

  • Ease of purchase

     As there is no requirement for medical underwriting to purchase the Bharti Axa Group Suraksha plan, customers can enjoy hassle-free and quick issuance of the policy.

  • Multiple Premium Payment Modes

     In the Bharti Axa Group Suraksha plan, there are multiple modes of premium paying terms available such as annual, semi-annual, quarterly or monthly modes.

  • Sum Assured Options

     Bharti Axa Group Suraksha plan offers a sum assured from ₹ 5,000 up to ₹ 25,000, to cater to the needs of each group.

  • Affordable premiums

     Bharti Axa Group Suraksha plan comes with affordable premiums, a basic plan with 15 members starting with just 3500/- per month for a sum of 25 thousand.

Benefits of Bharti AXA Group Suraksha term plan

  1. Death benefit

    Upon the unfortunate demise of the life insured during the policy term, The death benefit will be payable as a Sum Assured to the nominee.

  2. Survival benefit

    There is no survival benefit available under the Bharti Axa Group Suraksha plan.

  3. Tax benefit

    All the premiums paid under the Bharti axa Group Suraksha term plan can be used as tax redemption for up to 1.5lacs under section 80C of the Income Tax Act 1961.

Other Provisions of Bharti AXA Group Suraksha term plan

  • Grace period

     In case the premium due date is missed, the Bharti AXA Group Suraksha term plan offers a 30-day non-interestable grace period to continue the policy without any charges.

  • Free-look period

     If you are satisfied with the terms and conditions associated with the Bharti Axa group Suraksha term plan, you can get 15 days of the free-look period available under offline purchases and 30 days for online purchases.

  • Lapstation and revival

     In case you fail to pay the premium in the grace period, your policy will be considered as lapsed. But you still revive your Bharti AXA Group Suraksha policy after 6 months from the last due premiums.

Exclusions of Bharti AXA Group Suraksha term plan

Given below are some exclusions of Bharti AXA Group Suraksha term plan:

  • Suicide within 12 months of policy inception.
  • Consumption of any type of intoxicant.
  • Death due to any aviation accident.
  • Death due to any adventurous sports.

Explore Other Bharti AXA Life Term Insurance Plans

To secure your family's needs, Bharti AXA Life Term Insurance offers 7 term insurance plans, from which you can choose a well-suited plan for yourself:

Bharti AXA Flexi Term Pro

The plan offers a lump sum or monthly income to the family upon the policyholder's demise, with guaranteed payouts of up to 150% and tax benefits.

Unique Features

  • 100% to 150% of total premium
  • Death Benefits
  • Special Surrender Benefit

Flexi Term Pro (Pros)

  • Maturity Benefit
  • Loans Are Allowed
  • Guaranteed Monthly Income

Flexi Term Pro (Cons)

  • 1 Yr WP For Suicide
  • Unpaid Policy Lapses
  • Limited Revival Period

Flexi Term Pro (Other Benefits)

  • Easy Enrollment
  • Life Cover For Policy Term
  • Flexible-Premium Payment Modes

Flexi Term Pro (Eligibility Criteria)

  • Entry Age -18 Years
  • Max Entry Age- 65 Years
  • Minimum Sum Assured - NA
  • Maximum Maturity Age - 75 Years
  • Premium Payment Term - 5 To 20 Yrs

Bharti AXA Saral Jeevan Bima

Non-Linked Non-Participating term insurance plan with a double sum assured on death due to accident and tax benefits.

Unique Features

  • Flexible policy term
  • Rider benefit
  • Discounts for women

Saral Jeevan Bima (Pros)

  • Available for Online Buying
  • Choose to pay Premium Once
  • Max Sum Assured 50L

Saral Jeevan Bima (Cons)

  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

Saral Jeevan Bima (Other Benefits)

  • Suicide Cover
  • Spouse Cover
  • Policy Revival Within 5 Years

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)

Bharti AXA Flexi Term Plan

An individual pure risk premium plan that covers critical illness at the age of 75 and comes with2 cover options.

Unique Features

  • 75 CI covered
  • Comprehensive cover
  • Major illness cover

Flexi Term Plan (Pros)

  • Cancer of Specified Severity Cover
  • Flexibility for Coverage Period
  • 105 % Death Benefit

Flexi Term Plan (Cons)

  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

Flexi Term Plan (Other Benefits)

  • Suicide Cover
  • Waiver of Premium on CI
  • Multiple Death Benefit Payout Options

Flexi Term Plan (Eligibility Criteria)

  • Entry Age -18 Years
  • Max Entry Age- 65 Years
  • Minimum Sum Assured - 10L
  • Maximum Maturity Age - 85 Yrs
  • Premium Payment Term - Fixed (5 & 20 Yrs)

Bharti AXA Grameen Jeevan Bima Yojana

Non-Linked Non-Participating Life Term Micro Insurance Plan. It offers flexibility to opt 2 plan options and tax benefits.

Unique Features

  • Pure protection plan
  • Protection with ROP
  • Tax benefits

Grameen Jeevan Bima Yojana (Pros)

  • Loans Are Allowed
  • Surrender Benefit
  • Rider Benefit

Grameen Jeevan Bima Yojana (Cons)

  • No HIV Cover
  • No Discount Available
  • 1 Yr Waiting Period For Suicide

Grameen Jeevan Bima Yojana (Other Benefits)

  • Death Benefit
  • Max Sum Assured 2L
  • Policy Can Be Bought Online

Grameen Jeevan Bima Yojana (Eligibility Criteria)

  • Entry Age -18 Years
  • Max Entry Age- 65 Years
  • Minimum Sum Assured - 10K
  • Maximum Maturity Age - 65 Yrs
  • Premium Payment Term - RP/SP

Bharti AXA Life Smart Jeevan

A plan that offers affordable premiums and 100% return of premiums paid till the end of Policy Term as maturity benefit.

Unique Features

  • Tax Benefits
  • Maturity benefits available
  • Affordable premiums

Bharti AXA POS Saral Jeevan Bima Yojana

Non-Linked Non-Participating term insurance policy provides double the sum assured on death due to an accident.

Unique Features

  • Flexible policy term
  • No medical test required
  • Tax benefits

POS Saral Jeevan Bima Yojana (Pros)

  • Available for Online Buying
  • Choose to pay Premium Once
  • Max Sum Assured 50L

POS Saral Jeevan Bima Yojana (Cons)

  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

POS Saral Jeevan Bima Yojana (Other Benefits)

  • Suicide Cover
  • Spouse Cover
  • Policy Revival Within 5 Years

POS Saral Jeevan Bima Yojana (Eligibility Criteria)

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

Bharti AXA Life Income Protection Plan

A plan that guarantees an annual pre-planned income and 2 death benefit options available.

Unique Features

  • Maturity benefits available
  • 2 death benefit options
  • Avail survival benefit

Bharti AXA Group Suraksha: FAQ's

1. What is the minimum no. of people I can add up under the Bharti AXA Group Suraksha term plan?

You can add up to a minimum of 15 people under the Bharti AXA Group Suraksha term plan.

2. How much max. sum assured is available under the Bharti AXA Group Suraksha term plan?

The max. sum assured is available is 25 thousand.

3. Who can purchase the Bharti AXA Group Suraksha term plan?

Any groups such as co-operatives, institutions, and NGOs operating in rural and social sectors.

4. What is the minimum age to purchase the Bharti AXA Group Suraksha term plan?

The minimum age to purchase to Bharti AXA Group Suraksha term plan is 18 years of age.

5. How much grace period is available under the Bharti AXA Group Suraksha term plan?

The 30-day grace period is available under the Bharti AXA Group Suraksha term plan.

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Bharti Axa Life Insurance Reviews

Read what our customers have to say about Bharti AXA term insurance company

Customer Review Image

Vidit

Pune

March 14, 2024

I Purchased a Bharti Axa life insurance policy on 2 Jan 24 from policyx.com; the overall experience was excellent for everyone.

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.

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K V Sharma

Kolkata

October 6, 2021

decent company overall...took time to explain everything and listened attentively! found it impressive and bought a term plan within a day!

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Tanesh G

Pune

October 6, 2021

help ke liye thanks a lot to team bharti! you are a good help and I will soon buy another cover from them! Recommended!

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Tanuj Kumar

Mumbai

October 5, 2021

policyx suggested my this company. it is trustworthy also and I wud recommedn to everybody who is planning to buy insurance

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Geetanjali

Kolkata

October 5, 2021

Bought a plan thru policyx for first time...so thankful to the team there...they facilite a smooth talk and buying!

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Jyoti Desai

Delhi

October 4, 2021

Bought my very first life insurance policy from Bharti...I had some great options to choose from! I belive it will help my family if ever required! Thanks, guys! and keep up

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Sweety

Belgaum

October 4, 2021

my claim was etlled in mere 8 days...I was so worried about it but the Bharti axa team was swift and very considerate of my financial situation

View All Bharti Axa Life Insurance Reviews

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