Aviva Term
vs
Bharti Axa

  • Multiple policy tenure to choose from
  • Premiums starting @Rs 15/day
  • 30-day grace period
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Aviva Term vs Bharti Axa

Aviva Term

Aviva India is a joint venture between Aviva Plc (UK based company) and Dabur Invest Corp (one of the popular business in India).

Bharti Axa

Bharti AXA started their insurance business in 2006. It is one of the leading insurance company offering wide range of insurance solutions

COMPANY DETAILS Edit Aviva Life Term Insurance

Aviva Term

 Edit Bharti AXA Term Insurance

Bharti Axa
Rating
Number of term insurance plans and add-ons
Annual Premiums Collected (2023-24)

Annual Premiums Collected (2023-24)

1317.45

Annual Premiums Collected (2023-24)

2920.58 Cr
Payout Options

Payout Options

Lump sum, monthly or a combination of both

Payout Options

Lump sum, monthly or a combination of both
Claim ratio

Payout Options

98.3%

Payout Options

99.1%
Solvency Ratio

Solvency Ratio

1.8

Solvency Ratio

1.6
Pan India Presence

Pan India Presence

122+

Pan India Presence

236
Riders Available

Riders Available

Accidental Death Benefit Rider, Critical Illness Rider, Waiver of Premium Rider, Disability Income Riders

Riders Available

Bharti Axa Accidental Death Benefit Rider, Bharti Axa Accidental Total & Permanent Disability Rider, Bharti Axa Premium Waiver Rider, Bharti Axa Hospi Cash Benefit Rider
Policy Term

Policy Term

10 to 40 years

Policy Term

5 to 50 years

Know More About Companies

Overview

About Aviva Term Insurance

Aviva India is a joint venture between Aviva Plc., a UK based insurance group, and Dabur Invest Corp., one of India's oldest and most respected business houses. Aviva plc, founded in 1696, is among the world's oldest insurance companies in continuous existence. Aviva has the distinction of being one of the first insurance companies to set up business in India in 1834. Aviva Term Insurance has a customer base of over 34 million across the globe.

What are some of the
Benefits
that set them apart?

  • Accidental death benefit cover

  • Critical illness cover

  • Waiver of premium cover

  • Choice of policy tenure

  • Affordable Premiums

  • Tax benefits

Riders

Riders You Can Avail With Aviva term insurance Plans

Name of the Riders Benefits
Accidental Death Benefit Rider Accidental Death Benefits Rider by Aviva Term Insurance offers extra sum assured to the nominee of the policyholder, in case of death caused by any accident during the rider term.
Critical Illness Rider n Critical illness rider, sum assured will be given to policyholder in advance if he/she is diagnosed with any of the listed critical illness diseases such as cancer, Kidney failure, heart disease etc.
Waiver of Premium Rider In waiver of premium rider, the policyholder future premiums will be waived off in case of permanent disability of body caused by any reason. In waiver of premium rider the insurance companies will wait for 6 months to finalize the premium waiver. If the customer is still not able to work , the rider will be triggered.
Disability Income Riders In a disability income rider, the policy holder will get a regular income, if their body is disabled due to any of the reasons and is not able to work anymore. Disability income rider helps the policyholder to meet their present expenses in case of disability of the body.

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Aviva Life Term Insurance

Explore India’s best-selling Term insurance plans below

Aviva India is a joint venture between Aviva Plc (UK based company) and Dabur Invest Corp (one of the popular business in India).

Aviva Protection Plus Plan

Aviva Protection Plus Plan

Aviva Protection Plus is a non-linked non-participating individual life insurance savings plan by Aviva Life Insurance India. The plan comes with two ...

Unique Features

  • 2 Plan option
  • High sum assured rebate
  • Return of Premium

Aviva Protection Plus Plan (Pros)

Aviva Protection Plus Plan
  • Accidental Death Benefit
  • Critical Illness Benefit
  • Waiver of Premium

Aviva Protection Plus Plan (Cons)

Aviva Protection Plus Plan
  • No Policy Loan
  • No Investment Option
  • No Maturity Benefit

Aviva Protection Plus Plan (Other Benefits)

Aviva Protection Plus Plan
  • High Sum Assured Discount
  • Tax Benefit
  • Flexible PPT

Aviva Protection Plus Plan (Eligibility Criteria)

Aviva Protection Plus Plan
  • Entry Age - 20 yrs
  • Maturity Age- 65 yrs
  • Min Sum Assured-20 lac
  • Max Maturity Age-80 yrs
  • Tax Benefit - Yes

Bharti AXA Term Insurance

Explore India’s best-selling Term insurance plans below

Bharti AXA started their insurance business in 2006. It is one of the leading insurance company offering wide range of insurance solutions

Bharti AXA Flexi Term Plan

Bharti AXA Flexi Term Plan

“A term plan- that protects against 15 major critical illnesses” Everyone loves a refund, don't you? What if we told you, you could get a ...

Unique Features

  • Joint life cover
  • Increase your life cover
  • Protect against 15 critical illness

Bharti AXA Flexi Term Plan (Pros)

Bharti AXA Flexi Term Plan
  • Joint life cover
  • Increase your life cover
  • Protection against 15 critical illness

Bharti AXA Flexi Term Plan (Cons)

Bharti AXA Flexi Term Plan
  • Suicide during the first 12 months of policy inception
  • Death occurred due to the pandemic
  • Injuries or illnesses caused due to any type of adventure sports

Bharti AXA Flexi Term Plan (Other Benefits)

Bharti AXA Flexi Term Plan
  • Flexible policy term
  • Whole life cover
  • Increasing sum assured

Bharti AXA Flexi Term Plan (Eligibility Criteria)

Bharti AXA Flexi Term Plan
  • Entry Age: Minimum Age - 18 years Maximum Age - 65 years
  • Base sum assured: 10 lakhs to 25 lakhs
  • Maximum Maturity Age - 85 years

Bharti AXA Life Suraksha

Bharti AXA Life Suraksha

Bharti AXA Life Suraksha is a protection plan that allows you to get whole-life coverage till 99 years. It offers 2 plan options: without the return o...

Unique Features

  • Cover your spouse
  • Special exit option
  • Increased sum insured

Bharti AXA Life Suraksha (Pros)

Bharti AXA Life Suraksha
  • Cover your spouse
  • Special exit option
  • Increased sum insured

Bharti AXA Life Suraksha (Cons)

Bharti AXA Life Suraksha
  • 1 Year WP for Suicide
  • No Policy Loans
  • Death Due to Adventure Sports

Bharti AXA Life Suraksha (Other Benefits)

Bharti AXA Life Suraksha
  • Whole Life Cover
  • Life Stage Benefit
  • Top-up Option

Bharti AXA Life Suraksha (Eligibility Criteria)

Bharti AXA Life Suraksha
  • Entry Age -18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - ₹5 Lakhs
  • Maximum Maturity Age - 99 years
  • Premium Payment Term - RP/SP/LP

Bharti AXA Grameen Jeevan Bima

Bharti AXA Grameen Jeevan Bima

Are you looking for an extremely inexpensive term insurance plan with short coverage? Then Bharti AXA Grameen Jeevan Bima might be the right choice fo...

Unique Features

  • Pure protection
  • Return of premium
  • Tax benefit

Bharti AXA Grameen Jeevan Bima (Pros)

Bharti AXA Grameen Jeevan Bima
  • Pure protection
  • Return of premium
  • Tax benefit

Bharti AXA Grameen Jeevan Bima (Cons)

Bharti AXA Grameen Jeevan Bima
  • 1 Year WP for Suicide
  • No Policy Loans
  • Death Due to Adventure Sports

Bharti AXA Grameen Jeevan Bima (Other Benefits)

Bharti AXA Grameen Jeevan Bima
  • Advance Premium Option
  • Choice of Plan Options
  • Return of Premium Benefit

Bharti AXA Grameen Jeevan Bima (Eligibility Criteria)

Bharti AXA Grameen Jeevan Bima
  • Entry Age -18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - ₹10 Thousands
  • Maximum Maturity Age - 65 years
  • Premium Payment Term - RP/SP

POS Saral Jeevan Bima Yojana

POS Saral Jeevan Bima Yojana

Bharti AXA Life POS Saral Jeevan Bima Yojana is a non-linked, non-participating, individual, pure-risk premium life insurance plan that offers lump su...

Unique Features

  • Double Sum Assured
  • No medical examination
  • Quick policy issuance

POS Saral Jeevan Bima Yojana (Pros)

POS Saral Jeevan Bima Yojana
  • Double Sum Assured
  • No Medical Examination
  • Quick Policy Issuance

POS Saral Jeevan Bima Yojana (Cons)

POS Saral Jeevan Bima Yojana
  • 1 Year WP for Suicide
  • No Policy Loans
  • No Maturity Benefits

POS Saral Jeevan Bima Yojana (Other Benefits)

POS Saral Jeevan Bima Yojana
  • Death Benefit
  • Advance Premium
  • Online Discount

POS Saral Jeevan Bima Yojana (Eligibility Criteria)

POS Saral Jeevan Bima Yojana
  • Entry Age -18 Years
  • Max Entry Age - 55 years
  • Minimum Sum Assured - ₹50 Thousands
  • Maximum Maturity Age - 65 years
  • Premium Payment Term - RP

Bharti AXA Life Saral Jeevan Bima

Bharti AXA Life Saral Jeevan Bima

Uncertainties are inescapable, but you can make sure your family's goals remain undisturbed, irrespective of the circumstances, with a Bharti AXA Life...

Unique Features

  • Flexible Premium Payment Term
  • Special Rates for Females
  • Get Surrender Benefit

Bharti AXA Life Saral Jeevan Bima (Pros)

Bharti AXA Life Saral Jeevan Bima
  • Flexible Premium Payment Term
  • Special Rates for Females
  • Get Surrender Benefit

Bharti AXA Life Saral Jeevan Bima (Cons)

Bharti AXA Life Saral Jeevan Bima
  • 1 Year WP for Suicide
  • No Policy Loans
  • No Maturity Benefits

Bharti AXA Life Saral Jeevan Bima (Other Benefits)

Bharti AXA Life Saral Jeevan Bima
  • Advance Premium Option
  • Add-on Riders
  • Optional Accidental Cover

Bharti AXA Life Saral Jeevan Bima (Eligibility Criteria)

Bharti AXA Life Saral Jeevan Bima
  • Entry Age -18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - ₹5 Lakhs
  • Maximum Maturity Age - 70 years
  • Premium Payment Term - RP/SP/LP

Bharti AXA Group Suraksha Policy

Bharti AXA Group Suraksha Policy

Are you looking for a term plan that covers a group of people, is simple, and has simple and low-cost premiums? If yes, then today we have a term plan...

Unique Features

  • Affordable premiums
  • No Medical examination
  • Flexible-Premium Paying Modes

Bharti AXA Group Suraksha Policy (Pros)

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

Bharti AXA Group Suraksha Policy (Cons)

Bharti AXA Group Suraksha Policy
  • 1 Year WP for Suicide
  • No Policy Loans
  • No Survival Benefits

Bharti AXA Group Suraksha Policy (Other Benefits)

Bharti AXA Group Suraksha Policy
  • One Year Renewable
  • No Medical Requirement
  • Death Benefit

Bharti AXA Group Suraksha Policy (Eligibility Criteria)

Bharti AXA Group Suraksha Policy
  • Entry Age -18 Years
  • Max Entry Age - 54 years
  • Minimum Sum Assured - ₹5 Thousands
  • Maximum Maturity Age - Annual Renewal
  • Premium Payment Term - RP

Bharti AXA Life POS Saral Bachat Yojana

Bharti AXA Life POS Saral Bachat Yojana

Are you looking to save for the future and protect your loved ones? Then Bharti AXA POS Saral Bachat Yojana might be perfect for you! A term insurance...

Unique Features

  • Return of premium
  • Affordable premiums
  • Tax benefits

Bharti AXA Life POS Saral Bachat Yojana (Pros)

Bharti AXA Life POS Saral Bachat Yojana
  • Return of premium
  • Affordable premiums
  • Tax benefits

Bharti AXA Life POS Saral Bachat Yojana (Cons)

Bharti AXA Life POS Saral Bachat Yojana
  • 1 Year WP for Suicide
  • No Policy Loans
  • Death Due to Adventure Sports

Bharti AXA Life POS Saral Bachat Yojana (Other Benefits)

Bharti AXA Life POS Saral Bachat Yojana
  • Maturity Benefit
  • In-built Accidental Cover
  • Flexible-Premium Payment Terms

Bharti AXA Life POS Saral Bachat Yojana (Eligibility Criteria)

Bharti AXA Life POS Saral Bachat Yojana
  • Entry Age -8 Years
  • Max Entry Age - 55 years
  • Minimum Sum Assured - ₹40 Thousands
  • Maximum Maturity Age - 60 years
  • Premium Payment Term - RP/LP

Bharti AXA Life Flexi Term Pro Plan

Bharti AXA Life Flexi Term Pro Plan

Bharti AXA Life Flexi Term Pro is a comprehensive and best term insurance plan that can be customized as per your needs. It offers two plan options an...

Unique Features

  • Choice of Plan Options
  • Lower Premium for Women
  • Whole Life Cover

Bharti AXA Life Flexi Term Pro Plan (Pros)

Bharti AXA Life Flexi Term Pro Plan
  • Choice of Plan Options
  • Lower Premium for Women
  • Whole Life Cover

Bharti AXA Life Flexi Term Pro Plan (Cons)

Bharti AXA Life Flexi Term Pro Plan
  • No Policy Loan
  • No Health Benefits
  • Suicide Clause

Bharti AXA Life Flexi Term Pro Plan (Other Benefits)

Bharti AXA Life Flexi Term Pro Plan
  • Life Stage Benefit
  • Joint Life Cover
  • Return of Premium

Bharti AXA Life Flexi Term Pro Plan (Eligibility Criteria)

Bharti AXA Life Flexi Term Pro Plan
  • Entry Age -18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - ₹25 Lakhs
  • Maximum Maturity Age - 99 years
  • Premium Payment Term - RP/SP/LP

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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