|Entry Age (years)|
|Maximum Maturity Age (years)||75|
|Policy Term (years)|
|Maximum||25/ 'To Age 75 years'|
|Sum Assured (Rs)|
|Minimum Premium (Rs)|
|Premium Payment Frequency||Yearly, Half-Yearly, Quarterly, Monthly|
|Premium Payment Term||Equal to Policy term|
|Policy Cover||Cover remains same throughout the policy term|
|Free Look Cancellation||In case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums, minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered.|
|Grace Period||You are allowed to pay premiums within 30 days from the due date for Yearly, Half yearly and quarterly premium payment modes and 15 days in case of monthly premium payment mode.. If a due premium is not received within the grace period, your policy will lapse and the life insurance cover will be terminated.|
|Lapsed Policy Reinstatement||You can reinstate your lapsed policy any time (within 2 years from the due date of the first unpaid premium) by paying all the due premiums with interest and undergoing underwriting requirements, if any.|
|Tax Benefits||Section 80C, 10(10D) of the Income Tax Act, 1961 would apply.|
|Exclusions||In case of death by suicide during the first policy year, or within one year from the date of reinstatement, no death benefit is payable.|
|Customer Service||Bharti AXA Life Insurance Company Limited, Unit 601 & 602, 6th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (East), Mumbai 400 063|
|Mail To||[email protected]|
|Call On||1800 102 4444|
|Additions to the Plan|
Accidental Death and Disability Benefit Rider: Death due to accident.
Permanent total disability as a result of an accident.
Critical Illness Benefit Rider: It covers 6 critical illnesses namely: Cancer, Heart Attack, Stroke, Total kidney failure, Major organ transplant and bypass surgery.
|Rider Premium (Rs)||Rider premiums vary for each policyholder.However, the sum of all rider premiums excluding critical illnes rider premium should not exceed 30% of the base policy premium. The premium for critical illness rider should not exceed base policy premium. For instance, if a 30-year old opts for the Critical Illnes rider for Rs 5 lakh sum assured over a 10 year tenure; the annual Critical Illness rider premium works to Rs 1160 and Rs 675 per annum in case of Accidental Death and Disability Benefit Rider.|