Bharti Axa Life Flexi Term Plan vs Eshield Plan 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

Eshield Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Joint life cover
  • Increase your life cover
  • Protect against 15 critical illness
  • Choose your sum assured
  • Terminal illness cover
  • Non-smoker discounts
Plan Maturity age Maximum Maturity Age - 85 years Maximum Maturity Age - 80 years
Plan Sum Assured Base sum assured: 10 lakhs to 25 lakhs Basic Sum Assured: ₹50L 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 Yearly, Half-yearly,& Monthly
Plan Policy loan The policy loan is not available under Bandhan Life Saral Jeevan Bima The policy loan is not available under SBI Life eShield Plan.
Plan Sample Premium Rs 567-/ per month Rs 521-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years, Maximum term - 20 years Minimum term - 5 years Maximum term - 85-less than entry age years
Claim Settlement Ratio (2024-25) 99.18% 98.83%
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SBI eShield term insurance plan

SBI eShield term insurance plan

* 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.

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