Etouch Online Term Plan vs Hdfc Click To Protect Supreme Plus Term Insurance Plan 2026 | PolicyX

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Bajaj e-touch is a pure term insurance plan safeguarding you and your loved ones from unforeseen circumstances. The plan is equipped to manage various uncertainties of life. Bajaj e-touch plan offers 3 plan variants namely: Life Shield, Life Shield Plus, and Life Shield ROP.

Bajaj e-touch term plan offers multiple sum assured options paired with a plethora of features and coverage against death, and terminal illness with a waiver of premium, maturity benefit, and return of premiums. With Bajaj e-touch customers have the option to opt for early exit value applicable only with Life Shield and Life Shield Plus variants. To understand more about the pros and cons of the Bajaj e-touch term plan read in detail.

 

Bajaj Life e-Touch Term Plan offers you a range of benefits including:

  • Shield for your life to cover death & terminal Illness 
  • Flexibility to pay premiums throughout the policy term
  • Get back your total premiums
  • Extra payout in case of death due to accident
  • It has inbuilt benefits in the form of terminal illness, zero cost benefit and many more.
  • Choose how your family receives the benefit in your absence
  • Premium holiday option which helps you skip your premiums for 1, 2 or 3 years
  • High claim settlement ratio of 99.33%
  • It has inbuilt benefits in the form of terminal illness, zero cost benefit and many more.
PLAN DETAILS

Etouch Online Term Plan

Hdfc Click To Protect Supreme Plus

Premium Including GST
Key Features
(Key features of the plan)
  • High SI Available
  • Accidental Death Benefit
  • Health Management Services
  • 3 plan options
  • wellness benefits
  • survival benefits
Plan Maturity age Maximum Maturity Age - 99 years 85 years
Plan Sum Assured Base sum assured: 50 lakhs to no limit. INR 50,000
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years 18 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Half-yearly, monthly, quarterly
Plan Policy loan The policy loan is not available under Smart Total Elite Protection Plan. No loan
Plan Sample Premium Rs 614/- per month 1900 Rs/ month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 10 years Maximum term - 85-entry age Minimum- 5 years, Maximum- 65 years – Age at Entry
Claim Settlement Ratio (2024-25) 99.33% 99.68%
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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.

Riders

Riders Associated with Bajaj Life e-Touch Plan

You can add the following riders to your Bajaj Life e-Touch Plan:

Bajaj Critical Illness Rider

In case the policyholder is diagnosed with the mentioned critical illnesses, the rider benefits are paid.

Bajaj Life Waiver of Premium Plus Rider

This rider waives off all future premiums of your policy under these circumstances- critical illness, dismemberment, or death. 

Bajaj Family Protect Rider

The Bajaj Family Protect Rider is an optional add-on to certain Bajaj Life Insurance policies that provides additional financial protection for your parents, specifically in the event of your death or accidental total permanent disability.

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