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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:

| PLAN DETAILS |
Bharti Axa Life Flexi Term Plan |
Click 2 Protect 3d Plus |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
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| Plan Maturity age | Maximum Maturity Age - 85 years | Maximum Maturity Age - 99 years |
| Plan Sum Assured | Base sum assured: 10 lakhs to 25 lakhs | Basic Sum Assured: ₹10 Lakhs to no limit. |
| 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 | Single, Annual, Semi-Annual, Quarterly, and Monthly |
| Plan Policy loan | The policy loan is not available under Bandhan Life Saral Jeevan Bima | The policy loan is not available under HDFC Life Click 2 Protect 3D Plus Plan. |
| Plan Sample Premium | Rs 567-/ per month | Rs 670-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 5 years, Maximum term - 20 years | Minimum term - 10 years Maximum term - 15 years |
| Claim Settlement Ratio (2024-25) | 99.18% | 99.68% |
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Star Flexi Health Insurance | Best Star Health Insurance plan | Star Health Insurance plan 2025 HDFC Life Click 2 Protect 3D Plus Plan Review |
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* 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.
You can add the following riders to your HDFC 3D Plus Plan:
It covers critical illnesses and provides extra financial protection on the investigation of critical illnesses.
A lump sum amount of basic and extra sum insured, is paid for death due to accidents against the payment of additional premium for the extra sum insured selected. It is present only in Extra Life and Extra Life Income options.
By choosing this option, you have the chance to increase the policy cover on every anniversary date of the policy. There would be a systematic or fixed increase as determined during the buying of policy.