Suraksha Plan vs Hdfc Life Click 2 Protect Elite Term Insurance Plan 2026 | PolicyX
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Bharti AXA Life Suraksha is a protection plan that allows you to get whole-life coverage till 99 years. It offers 2 plan options: without the return of premium and with the return of premium. The plan provides several additional in-built benefits such as life stage benefit, joint life cover, special exit value, premium top-up option, etc. The plan offers flexible premium payment terms that allow you to pay premiums at your convenience. Also, decide on your death benefit payout: lump sum, monthly installments, or lump sum + monthly installments. In this plan, you get additional protection against critical illness and hospitalization.

Bharti AXA Life Suraksha Plan offers you a range of benefits including:

  • Whole Life Cover
  • Life Stage Benefit
  • Spouse Life Cover
  • Tax Benefits as per laws
  • Premium Top-up Option
  • Return of Premium
PLAN DETAILS

Suraksha Plan

Hdfc Life Click 2 Protect Elite
Premium Including GST
Key Features
(Key features of the plan)
  • Cover your spouse
  • Special exit option
  • Increased sum insured
  • Smart Exit Benefit
  • Free-look period
  • Policy revival
Plan Maturity age Maximum Maturity Age - 99 years Maximum Maturity Age - 45 years
Plan Sum Assured Basic Sum Assured: ₹5 Lakhs to no limit. Base sum assured: 2 Crores to No Limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 45 years
Plan Payment modes Annual, Semi-Annual, Quarterly, and Monthly Monthly, Quarterly, and Half-yearly and Yearly
Plan Policy loan The policy loan is not available under Bharti AXA Life Suraksha Plan. The policy loan is available under HDFC Life Click 2 Protect Elite Plan
Plan Sample Premium Rs 519-/ per month Rs 671/- per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 50 years 15 to 40 Years
Claim Settlement Ratio (2024-25) 99.18% 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 Bharti AXA Life Suraksha Plan

You can add the following riders to your Bharti AXA Life Suraksha Plan:

Bharti AXA Life Premium Waiver Rider

It waives off your future premiums in case you're faced with an unfortunate event like critical illness, permanent disability, or death.

Bharti AXA Life Hospi Cash Rider

Get an additional payment of a fixed benefit for each day of hospitalization and a lump sum benefit in case of surgery.

Bharti AXA Life Complete Shield Rider

Receive additional sum assured chosen under the rider in case of happening of a covered event.

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