Lifestyle Secure Plan vs Aditya Birla Sun Life Insurance Saral Jeevan Bima Term Insurance Plan 2026

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Bajaj Lifestyle Secure is a dual benefit insurance plan that combines life cover with protection against critical and terminal illnesses in one policy. Many people struggle to choose between life insurance and health insurance, but this plan addresses both needs together through a single solution. It provides financial protection for the family in case of death and offers lump sum support during serious health conditions.

Bajaj Lifestyle Secure Plan offers you a range of benefits including:

Flexible premium payment modes
Terminal illness coverage
High sum assured discounts
Tax benefits

Affordable premiums
Death benefit payout options

Riders Associated with Bajaj Lifestyle Secure Plan

You can add the following riders to your Bajaj Lifestyle Secure:

Bajaj Accidental Death Benefit Rider

In case of the policyholder’s demise due to the accident benefits are paid to their nominee.

Bajaj Accidental Permanent Total/ Partial Disability Benefit Rider

Under the accidental disability rider,Benefits are offered in case of the policyholder’s disability or demise due to the accident.

All the future premiums get waived if you face disability or critical illness, while the policy continues to stay active.

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Premium Including GST
Key Features (Key features of the plan)	Level Cover Term Terminal Illness Cover Flexible-Premium Payment Term	Simple Protection Plan Flexible Premium Payment Covers Accidental Death
Plan Maturity age	Maximum Maturity Age - 60 years	Maximum Maturity Age - 70 years
Plan Sum Assured	Base sum assured: Rs 3 lakh to 15 lakh	Base sum assured: 5 lakhs to 25 Lakhs
Plan Entry Age	Minimum Age - 18 years Maximum Age - 50 years	Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes	Annual, half-yearly, quarterly & monthly	Monthly, Half-Yearly or Annually
Plan Policy loan	The policy loan is not available under Bajaj Lifestyle Secure Plan	The policy loan is not available under Aditya Birla Life Saral Jeevan Bima
Plan Sample Premium	Rs 728/- per month	Rs 567-/ 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)	99.33%	98.65

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Riders

Riders Associated with Bajaj Lifestyle Secure Plan

Bajaj Accidental Death Benefit Rider

Bajaj Accidental Permanent Total/ Partial Disability Benefit Rider

Riders Associated with HDFC Life Click 2 Protect Supreme Plan

Accidental Death Benefit Rider

Accidental Total and Permanent Disability Rider

Critical Illness Rider

Waiver of Premium Rider

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