Bharti AXA Life eProtect Plan

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Bharti AXA Life eProtect

Objective	This term insurance policy can only be purchased online. It offers premium discounts to non-smokers and those seeking high value cover.
What does it do?	This is a pure term plan that pays sum assured to the nominee in case of insured member's death. The plan will pay Rs 1 lakh within 48 hours of a claim, provided the policy has been effective for at least two years, which is a USP of this plan.
Pros	The policy will pay Rs 1 lakh within 48 hours of a claim and has low premium rates for women and non-smokers. Policies with sum assured over Rs 50 lakh get a high value premium discount. Premiums paid towards this policy qualify for tax deduction under Section 80C.
Cons	Minimum sum assured is Rs 25 lakh.
Suited for	This is an easy-to-buy, hassle-free policy to be purchased at your convenience. Non-smokers can benefit from the premium discount offered by the policy.
Our View	The immediate release of a part of the claim amount is a great feature to consider, especially for those with tight cash flows and dependents. Check the premium rates for sum assured above Rs 50 lakh to avail high value discount.

 

Eligibility
Entry Age (years)
Minimum	18
Maximum	50
Maximum Maturity Age (years)	60
Policy Term (years)
Minimum	10
Maximum	30
Sum Assured (Rs)
Minimum	2500000
Maximum	No limit
Premium Payment Frequency	Yearly, Half-Yearly
Premium Payment Term	Equal to Policy term
Premium Factor (multiply with annual premium)	0.52 for Semi Annual
Policy Cover	Cover remains same throughout the policy term
Other Features
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 all modes . 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 5 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
Address	Bharti AXA Life Insurance Company Limited, Unit 601 & 602, 6th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (East), Mumbai 400 063

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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

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