Bharti Axa Life Flexi Term Plan vs Bharti Axa Saral Jeevan Bima Term Insurance Plan 2026 | PolicyX

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“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 refund on a term insurance plan if you outlive it? Yes, you heard it right. With the Bharti AXA Life Flexi term plan, you can get a refund once you outlive the policy tenure. The plan comes in 2 variants namely, with return of premium and without return of premium.

You can choose the protection level by choosing any benefit option and get protection for up to 99 85 years. Apart from this, the plan lets you cover your spouse under one policy under the without return of the premium option. You can choose a policy term as short as 1 year with the Bharti Axa Life Flexi term plan, and choose your own death benefit payout amongst; lump sum, monthly income, or lump sum plus monthly income. Let's dive into the details of the Bharti AXA term plan.

Bharti AXA Flexi term plan offers you a range of benefits including:

  • 2 Plan Options
  • Guaranteed death benefit
  • Hassle-free buying process
  • Tax benefits
  • Whole life cover
PLAN DETAILS

Bharti Axa Life Flexi Term Plan

Bharti Axa Saral Jeevan Bima

Premium Including GST
Key Features
(Key features of the plan)
  • Joint life cover
  • Increase your life cover
  • Protect against 15 critical illness
  • Flexible Premium Payment Term
  • Special Rates for Females
  • Get Surrender Benefit
Plan Maturity age Maximum Maturity Age - 85 years Maximum Maturity Age - 70 years
Plan Sum Assured Base sum assured: 10 lakhs to 25 lakhs Basic Sum Assured: ₹5 Lakhs to ₹50 Lakhs
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annually, semi-annually quarterly & monthly Annual, Semi-Annual, and Monthly
Plan Policy loan The policy loan is not available under Bandhan Life Saral Jeevan Bima The policy loan is not available under Bharti AXA Life Saral Jeevan Bima.
Plan Sample Premium Rs 567-/ per month Rs 580-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years, Maximum term - 20 years Minimum term - 5 years Maximum term - 40 years
Claim Settlement Ratio (2024-25) 99.18% 99.18%
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Bharti AXA Term Insurance Plans

Bharti AXA Term Insurance Plans

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with Bharti AXA Life Saral Jeevan Bima

You can add the following riders to your Bharti AXA Life Saral Jeevan Bima:

Bharti AXA Life Accidental Death Benefit rider

Bharti AXA Life Accidental Death Benefit rider provides an additional sum assured equal to 50% of the sum assured in case of the unfortunate demise of the life insured due to an accident.

Bharti AXA Life Accidental Total and Permanent Disability Rider

Bharti AXA Life Accidental Total and Permanent Disability Rider provides a rider sum assured to the nominee in case of permanent disability within 120 days of the accident.

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