FAQs

Yes, you can purchase a term plan with Bharti AXA Life Insurance if you already have a term plan from other insurance provider. However, you need to disclose your income and existing insurance cover details in corresponding sections while applying for the term cover under Bharti AXA Life Insurance. Based on underwriting decision, the request for the cover will either be accepted, accepted with certain conditions or declined.

Life insurance is a contract between an insurer and a policy owner. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured dies in exchange for the premiums paid by the policyholder during their lifetime. Life insurance is a key investment, especially in uncertain circumstances, like the present. Life insurance policies work in three stages :

• Purchasing a life insurance policy

  Buy the best life insurance policy that offers flexibility of benefits. Other factors to consider are plan tenure, premium, riders, and, most importantly, the reason you are buying life insurance.

• Premium payment

  It is advisable to choose a premium that you can easily pay on time. As per the life insurance contract, the insurers promise to pay a pre-decided amount to you (policy holder) or your nominee, provided all premiums have been paid. All benefits then are based on timely premium payment.

• Filing a claim

  The last stage of a life insurance plan is related to filing for a claim to get insurance benefits.

  In case of your unfortunate demise, your nominee will be eligible for the sum assured as defined in the contract. To get it, the nominee has to submit a claim form along with various documents. Upon verification of claim, the insurance company releases the benefit to the nominee.

  For life insurance plans with a return of premium, a total of all premiums is paid back if the insured survives the policy term, which can be a great financial aid in the short or long term.

Life insurance offers three major benefits.

• Protection
  Life is full of uncertainties; investing in a life insurance plan provides a safety net. Your insurance provider is liable to pay your beneficiary or nominee the pre-determined death benefit, thus keeping your family protected even in your absence.




• Long-term savings
  It is important to consider life insurance if you are seeking to make long-term savings. The suitable product helps you to save systematically and build a corpus for your future; its accumulated amount may be used for your life goals. What’s more, savings life insurance plans also offer regular pay-outs in the form of annuities, and are therefore, an excellent tool to finance your retirement goals.




• Investment
  Unit-Linked Investment Plans (ULIPs) offered by life insurance providers are primarily investment instruments. These market-linked products create wealth. ULIPs have the potential offer significant returns on premiums paid towards the insurance policy. Most plans provide considerable returns during maturity, thus making them an attractive investment vehicle.*
  
  Besides this, life insurance plans offer a host of other benefits, like tax deductions under Section 10, 80C, and 80CCC of the Income Tax Act, 1961 on the premium paid. You may also borrow a loan against your insurance plan if needed. However, tax benefits are as per provisions of the Income Tax Act and are subject to change.
  
  Life insurance plans provide financial support to you and your family. Buying an insurance policy also inculcates the habit of disciplined savings.
   

*IN ULIP POLICIES, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. The premium paid in Unit Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.

You should definitely consider getting an insurance policy from Bharti AXA Life as we provide flexible products. You can easily change your coverage limits and include riders with your insurance policy in minutes. You can access your account anytime from anywhere. With an impressive claim settlement ratio and dedicated claim handler for the policyholder, our claim settlement process is seamless.

MWPA is the Married Women Property Act of 1874 that entails that if a married man, including a divorcee or a widower, buys life insurance with the MWP addendum, the insurance benefits upon maturity or death are the sole property of the nominated beneficiaries (wife, or of his wife and children) and no one else. Even the policyholder does not have any right over these benefits.

The entire sum is treated as separate fund from the policyholder's estate and hence, these benefits cannot be used for repayment of debt or loan or form part of joint family property, in case of the untimely death of the policyholder.

The list is available with the medical service provider. When a customer receives a call for the arranging the medicals, they are given location options of a medical centre nearest and most convenient to them.

Please enter your Proprietorship/ Partnership & provide us the number of years for which you are active in your business. Giving correct details is very important.

The product offers special rates for a non-smoking person. Even if you are not a regular smoker or a casual smoker, please select the 'Smoker' status only.

In case you wish to receive your application form by courier in a hard copy; you need to select this option – Physical Copy. We will send a PDF on your listed email ID & also along with the policy kit once we confirm your application with the company.

Please select 'Yes' & provide details on the number of glasses of specific alcohol consumed per week.

The individual who purchased the life cover is the policyholder. 
The individual or people who will receive the death benefits which is the funds paid by the insurance company when the policyholder dies are the nominee/s.
Life assured is the individual whose life is covered by the life insurance company.
 

The nominee is a person who is nominated or appointed by the policyholder to look after his/her financial accounts, assets, etc., after his death. It is the responsibility of the nominee to disburse the proceeds among the legal heirs.

A beneficiary is an individual who has a financial interest in the life of the policyholder. The beneficiary can be either the legal heirs or financial institutions like banks who have provided loan/ finance to the policyholder.

If any immediate family member (like spouse, children or parents) is made the nominee, then they will automatically become the beneficial owners of the claim benefits and be referred to as beneficiary in life insurance.

If the nominee is a minor, you are required to share their appointee details with us. Additionally you can also appoint multiple nominees. 

Note: An appointee is the person to whom the proceeds/benefits secured under the Policy are payable if the benefit becomes payable to the nominee and the nominee is minor as on the date of claim payment.

Once you buy the policy, you stay covered whether you are in India or abroad.

Accurate mobile number is necessary for all our future communications. This includes pre and post login communication.

If you have purchased the policy online through our website,you can track the proposal status by following below steps :

• Visit our website https://www.bhartiaxa.com/
• Click "Quick Links"→ Select' Resume/Track application
• Enter the product name and quote no to check your policy status.

Alternatively, you can call us on our Customer Care No at 1800-102-4444 or SMS SERVICE at 56677 or Email us at service@bhartiaxa.com to know about for proposal status

Click to check List of Accepted documents.

• Your policy document will be sent to your registered address within 15 working days from date of issuance.
• The soft copy of your policy document will also be emailed to your registered email address after policy issuance.

If you have opted for eIA,policy soft copy will be credited in your IR account post issuance. You will be communicated on credit of policy in e-IA account through SMS and email.

You can submit request for duplicate policy document by visiting any of our nearest branch.

To locate the nearest branch, click here https://www.bhartiaxa.com/contact-us

Policy document soft copy can be downloaded using below options :

• Through customer portal.Below are the steps to follow:

  I. Login to your online profile by clicking here.

  II. Click on the 'View profile' tab.Scroll down and click on "Policy Document" PDF to download the soft copy.

• Send “Hi” to our WhatsApp number 02248815768.Our digital assistant will help you.
• Email Us: You can send us an email request at service@bhartiaxa.com from your registered email ID. Do mention your policy number in the subject line.
• Call Us: You can call us on 1800-102-4444 from Monday to Saturday, between 10am to 7pm.
• Visit Branch: You can request for your policy document soft copy at any of our branches. To locate the nearest branch, click here

The policy term cannot be changed once the policy is issued.

Sum assured in life insurance policies cannot be generally changed mid-term. If you are looking for an enhanced sum assured, you will have to either buy a new policy altogether or buy a supplementary cover.

Cash payment for new policy purchase is not allowed. Exception in cash acceptance is allowed only for short premiums like counter offer up to Rs 5000/- towards new policy login.

If you are not happy with the terms and conditions of the purchased policy,you can cancel the policy within the freelook period.

For policy cancellation request ,you need to visit any of our nearest branch and submit the "Payout Request" Form along with the policy document hard copy and Identity Proof.

Once all the required documents are received , branch will tag the "Freelook Request" for further processing.

Note : Freelook period for policies purchased is 30 days from date of receiving the policy hard copy.

Submit a personalized cancelled cheque along with the ECS mandate form.

However, please ensure the following :

• The name of the customer, bank account number and IFSC Code entered in the mandate should match with the details printed on the cancelled cheque.
• The signature entered on the mandate should be the same as updated in your registered bank account Alternatively, submit your latest 3 month's Bank Statement with your name and account details.

Note: A personalized cheque has important details like the individual's name, IFSC code and account number printed on it along with other bank account details.

Yes, the ECS debit date can be changed on ‘DigiServe’. Follow these steps:

• Click on ‘Services’
• Select the ‘Change ECS Date’ option in Premium Related Services section
• Enter details and press ‘confirm’

Alternatively, change the date by visiting your nearest Bharti AXA Life Insurance branch office.
We only offer debit dates for ECS only between the 1st and 10th of every month. Therefore, your chosen date should fall between this date range.

Note: ECS debit date is the date/month on which the premium amount is debited as agreed by the customer and the insurance provider.

No. You can only deactivate the ECS payment service by visiting the nearest Bharti AXA Life Insurance branch.

You can change the premium mode if you are within your grace period from the policy anniversary date.

If you change the premium mode, then:

• A fee will be levied on changing the premium mode
• For monthly mode policies issued after January 2020, the grace period is capped at 15 days. For the remaining modes, the grace period stands at 30 days
• For all policies issued prior to January 2020, the grace period is limited to 30 days

Note: In insurance policies where the term is more than 1 year, the policy effective date is considered as the policy anniversary date for the year that the policy is renewed.

Our customers will receive their premium acknowledgement deposit receipt:
Download the acknowledgement deposit receipt post making the payment from the final acknowledgment page on ‘DigiServe’.

• Click on the ‘View policy details’
• Click on "Payment Receipt" 
• Download the receipt

Post payment, the deposit receipt is simultaneously sent to your registered email id

The deposit receipt can be sent on WhatsApp if you have opted-in for the service.

Note: Below are the various options for WhatsApp Opt-in

• Send ‘Hi’ from your registered WhatsApp number to
• +91 22 4881 5768. You will get a message for notification confirmation if not opted in. Click on yes and you will be opted in
• Give a missed call on the no - 87509-60306 from your registered Mobile no
• Scan the QR code from your registered Mobile no
• You can log on to Website or Digiserve
• Visit your nearest branch

Accessing premium certificate is very easy using below options:

•  Premium Paid Certificate is uploaded on the customer portal prior to the due date. You can download it using the "Download" section on our customer portal.
• You can visit any of our Bharti AXA Life branches to collect it. 
• The premium paid certificate is triggered on WhatsApp if you have opted-in to receive notifications from Bharti AXA Life. Alternatively, you also send ‘Hi’ from your WhatsApp number to +91 22 4881 5768 to download it

If you fail to pay your premium within the grace period, the policy will lapse. 
 

Note: In life insurance, the grace period is the specific additional time you get after the premium due date is over to pay the premium and avoid policy lapse.

The grace period varies depending on when the policy was issued to you. 

• For monthly mode policies issued after January 2020, the grace period is capped at 15 days. For the remaining modes, the grace period stands at 30 days
• For all policies issued prior to January 2020, the grace period is limited to 30 days

Note: In life insurance, the grace period is the specific additional time you get after the premium due date is over to pay the premium and avoid policy lapse.

No, you will lose the expected insurance benefits if your policy lapses.

Note: In life insurance, the grace period is the specific additional time you get after the premium due date is over to pay the premium and avoid policy lapse.

You can reinstate a lapsed policy.

For policy reinstatement on ‘DigiServe’, you need to fill out the DOGH and Covid Questionnaire as per guidelines. Basis the medical details entered in the above forms, if there is no medical raised, you can pay the premium dues and reinstate the policy online.

However, if there is a medical raised, you will need to undergo the medicals. Basis the medical report, the revised premium amount is generated which needs to be paid by visiting your nearest Bharti AXA Life Insurance branch office along with the required documents.

An interest of 7.15% on the outstanding premium dues will be charged during the reinstatement process. (Except for Guaranteed Wealth Pro). For Guaranteed Wealth Pro ,the rate is 8.65% .  Other policy terms and conditions may apply.

Note: If a policyholder fails to pay the premium, the insurance policy lapses after a certain time period. However, the insurance coverage can be renewed (conditions applied). This process of activating the insurance policy back after a lapse is known as policy reinstatement.
The interest rates mentioned are without GST.

If your policy was issued after January 2020, the reinstatement period applicable is:

• For Non-ULIP plans, it is 5 years from the last premium due date
• For ULIP plans, it is 3 years from the last premium due date

Policies issued prior to January 2020; it is product specific. Please read the policy document for more information. 

You can repay loan by login to our customer portal - ‘DigiServe’.

• Click on the ‘Services’ option
• Go to Service Request Section
• Click on ‘Loan Repayment’
• Enter your Policy Number to proceed

Alternatively, visit our nearest branch office to repay the loan taken against your policy.

Below are the key services available :

Pay Premium :

• Premiums can be paid online via the Quick Pay option on the website. Click here
• Alternative online payment gateways are also available on the website
• You can also register for eNACH: Please Click here

Submit 'Claim request' :

Click on the 'Quick link' option

• Go to Claim Centre to register Claims
• Upload the necessary documents

For rest of the services for an existing policy, you would need to login with your credentials on DigiServe platform or use our WhatsApp services

Note: eNACH is the electronic process of automated premium payment. Once the user signs the eNACH or electronic NACH form, he gives permission to the concerned authority to debit the premium amount from his bank at a pre-settled frequency. Please note that there is no need to submit any additional documents for eNACH registration.

Bonus History can be viewed for various products via link. Click here.

Please go to "Key Services " option after landing on the above link 

Click here to access the DigiServe, our dedicated Customer Portal. At the time of login, you will see the following options: 

Option 1: Enter Mobile no and DOB with OTP

Option 2: Click on 'Try another way'

If you choose option 2, you will need to insert the following information:

• Policy Number with TPIN and OTP option

Note: An OTP is triggered to both your registered mobile no and email id.
TPIN is a 4 digit number. For first times users, the 4 digit TPIN needs to be generated and validated via an OTP

A TPIN is a ‘Transactional Personal Identification Number’ that is unique to each of our policyholders. The TPIN can be used by our policyholder to view his or her account information / statement on the website or on select channels.

If you forget the TPIN, you can login with the Policy Number & OTP option → Go to 'Manage TPIN' and then reset your TPIN.

Click here to download our Bharti AXA Life Insurance Mobile App

DigiServe offers wide range of digital services such as :

• Fund switch
• Pay premium
• Mode and method change
• Top up premium
• Demographic changes
• Update Bank Account for NEFT Update
• Loan repayment
• Download statements
• Change of ECS date
• Premium Redirection
• Nominee change

Note: It should be noted that the NEFT update is mandatory for all payouts. You can update account details on the customer portal by :

• Click here to login to customer portal- 'DigiServe'
• Click on ‘Services’ on the top right
• Select ‘Updation of bank a/c details’ option to proceed

Status of service request can be viewed on ‘DigiServe’ under the ‘Track Service Request’ option. 

Yes, its very easy to download soft copy of policy contract from customer portal.
Click on the " View Policy Details " option on the dashboard page.

Note: It should be noted that the policy contract will be available for download only for 2 years from the date of your policy issuance.

Our customers can download the following statements from DigiServe :

• Premium paid certificate [Year-wise]
• Fund Statement
• Portfolio summary
• Bonus letter [ Available only for last financial year]

Note: Premium Paid Certificate is a document that displays the total premium that you have paid for all your policies in a specific financial year. You can use this document as investment proof for tax filing.

Yes, branch locations are available on the website.

• Click here
• Click on the 'Contact Us' option
• Click on Branch Locator to locate your nearest branch

Follow these simple steps to use our WhatsApp service:

• Send ‘Hi’ on our WhatsApp number - 022 48815768
• You can also click on the QR code

  

The following services can be accessed from the Bharti AXA Life WhatsApp platform :

• Pay premium
• Download statements
• Demographic changes
• Register for E-Nach
• Download forms
• Funds switch
• Mode and method change
• Branch locator
• Check Service request status

Here are the various ways in which you can connect on WhatsApp with us:

• Send ‘Hi’ from your registered mobile number to +91 22 4881 5768. You will get a message for notification confirmation if have not previously opted in for it. Click on ‘yes’ and which will automatically opt you in for notifications
• Give a missed call on this number - 87509-60306 from your registered mobile number
• Scan the QR code from your registered mobile number
• You can log on to the Bharti AXA Life Insurance website or our customer portal ‘DigiServe’
• Visit your nearest Bharti AXA Life branch office

By opting in to receive WhatsApp notifications you can always stay on top of the latest Bharti AXA Life updates on your registered mobile number.

In addition to receiving the latest updates, our customers will also receive important information on new product launches, offers, reminders and much more. 

Yes, customers can use an unregistered mobile number to use our WhatsApp service. Enter the OTP triggered from your registered mobile number to log in. 

For all customers who have updated their account details with us, payout is done through NEFT provided the penny testing verification for bank account detail is successful.

Penny Drop Testing or Bank account verification is commonly referred to a way to verify the authenticity of a user’s Bank Account. This is achieved by depositing a small amount (usually a penny and hence the name) – usually INR 1 (one rupee) in the Indian context – which returns the validated bank details along with the account holder's name.

Below are the easy ways to update your bank account details

• Follow the below steps
  1. Login to portal through the below link
  https://www.bhartiaxa.com/customer-service-login/
  2. Click on "Services"
  3. Select "Updation of bank a/c details" option
  4. Enter the Account details
  5. Select & upload the supporting document
  6. Click on "Update"
• Email to Service id
  1. Send email to service@bhartiaxa.com from your registered mail id.
  2. Attach below mentioned supporting documents(any one):
  I. Scanned copy of Personalized Cancelled cheque with account holder name,bank account number and IFSC code clearly visible.
  II. Latest printed Bank statement/printed pass book copy with account holder name,bank account number and IFSC code clearly visible.
  3. Attach the filled in scanned copy of NEFT form. Click here to download.
• Send "Hi" to our WhatsApp number 02248815768. Our digital assistant will help you.
• Visit any of our nearest branch. Locate the nearest branch here

You may submit any one of the below mentioned documenets

• Personalized Cancelled Cheque Copy
• Printed Bank Statement / Pass book Copy.

The proof must have the policy holders name, account no and IFSC Code clearly mentioned.

Below are the options to check your refund details

• Through our customer portal by following below steps

  I. Login to DigiServe through the below link
  https://www.bhartiaxa.com/customer-service-login/

  II. Click on "Service Request History" in Services section to request status

• Send email to service@bhartiaxa.com from your registered mail id.
• Call Us on our toll free number 1800-102-4444 from Monday to Saturday, between 10am to 7pm.

Survival Benefit depends on the type of insurance policy you have purchased.
If the policy purchased has survival benefit, the amount will paid to you as per product benefits/specifics provided all premiums are paid till date.

Survival Benefits will be paid as per policy terms and condition. Please refer your policy document for more details.

Below are the options to check your refund details

• Through our customer portal by following below steps

  I. Login to DigiServe through the below link
  https://www.bhartiaxa.com/customer-service-login/

  II. Go to "Refunds and Payouts" section to check details

• Send email to service@bhartiaxa.com from your registered mail id.
• Call Us on our toll free number 1800-102-4444 from Monday to Saturday, between 10am to 7pm.

Maturity Benefit depends on the type of insurance policy that you have purchased. If the policy purchased has the maturity benefit feature, the amount will be paid to you once the policy has reached its expiration date.

To avail of the maturity benefit payout, it is important that you update your latest bank account details on your policy prior to its maturity. This is a requirement so that all payouts can be made directly into your bank account. Log in to the customer portal to update your bank account information instantly.

Note: Maturity benefit is a lump-sum payment made by the insurance provider when the policy has reached its expiration date.

The date on which your life insurance policy matures, i.e., reaches the expiration date is known as the maturity date of the policy. You will receive maturity benefit within 7 days after maturity of the policy.

For example, if you have taken a savings plan for 10 years in 2022. Then after the 10th year, that is 2032, your policy will cease to exist, and you will receive the maturity benefit payout.

Pension policies come with vesting benefits. Therefore, the policyholder will be able to utilise the entire Policy Fund Value to purchase the annuity product from another insurer (Open Market Option).

Alternatively, the policyholder can utilise at least 2/3rd value of the Policy Fund Value to purchase the annuity product from another insurer (Open Market Option) and withdraw the balance amount.

Note: You need to submit the Pension Payout declaration, personalized cancelled cheque/ clear copy of your bank statement and KYC documents at your nearest Bharti AXA Life Insurance branch office for processing the benefit on the Pension Policy.

To check your policy's "unclaimed amount" on our website, Click here

Enter the policy details to check the details.

Surrendering means terminating the policy before the policy term. Surrender amount is calculated basis the premium amount paid and sum assured. On policy surrender, the life insurance cover ends and all policy benefits stop.Therefore to avail all policy benefits, it is adviced to continue with the policy.

Policy can be surrendered only after completion of the lock-in period.

Note : Lock in period depends on the type of policy purchased.Please refer your policy document for more details.

You need to visit any of our nearest branch to place surrender request.Below documents will be required to be submitted.

• Surrender Request Form
• Orginal policy document
• Click to check List of Accepted documents.
• Back Account Proof for surrender refund credit through NEFT.You can submit any one of below proofs.

  I. Personalized Cancelled Cheque Copy.

  II. Printed Bank Statement / Pass book Copy.

The proof must have the policy holders name , bank account no and IFSC Code clearly mentioned.

Note : Policy surrender option is not available online currently.

To report a claims, please visit the nearest Bharti AXA Life Insurance branch with the required documents.
Click here to locate your nearest branch.

It is recommended that you raise the claim request with us as soon as possible by visiting your nearest Bharti AXA Life Insurance branch.

Claims decision is communicated within 30 days from the receipt of all necessary documents / clarifications. In case the claim request requires further verification, it may take up to 120 days to settle the claim.

Although rare, claim requests can be rejected under the following circumstances:

• Non-Disclosure of medical adversities
• Incorrect disclosure of Age
• Incorrect disclosure of occupation/income
• Non –disclosure of previous insurance
• Fraud
• Falling under the purview of exclusion as per Policy Terms & Conditions

Claims payout is done online via NEFT.

The nominee is required to email the below documents to lifeclaims@bhartiaxa.com for receciving the payout through NEFT
1. Nominee's KYC documents (Identity and Address proof)
2. Scanned copy of any one of the below bank account proofs of the nominee:

• Personalized cancelled cheque
• Printed copy of Bank statement or Passbook

Receive your policy payouts digitally through NEFT, and meet your financial goals. Update your bank details anytime, anywhere on Bharti AXA Life Insurance Mobile App. Click here to download the app NOW!
Below are the alternate options to update your bank details with us:

• Customer Portal
• Send “Hi” to 022-48815768 to update bank details using our WhatsApp services
• Email us at service@bhartiaxa.com from your registered email address
• Visit nearest Bharti AXA Life Insurance branch. Click here to locate nearest Bharti AXA Life Insurance branch

Note : Click here to download policy servicing forms.

Life Insurance provides your family with long-term financial security.
We, therefore, urge you to continue with your policy to avail all benefits and meet your financial goals.
However, if you still wish to surrender the policy, please visit the nearest Bharti AXA Life Insurance branch. Click here to locate your nearest branch.
Click here to download our smart Bharti AXA Life Insurance Mobile App and check your accumulated surrender value online at the click of a button.
To know more about the surrender process, you can call us on our toll-free number 1800-102-4444 from Monday to Saturday, between 9 am to 7 pm OR email us at service@bhartiaxa.com from your registered email address.

Note : Surrender request cannot be submitted online.

It is important to keep your current address updated for us to reach out to you conveniently for any communication related to your policy. Click here to download Bharti AXA Life Insurance Mobile App and conveniently update your address on your smartphone anytime, anywhere!
Below are the alternate options to update your address with us:

• Customer Portal
• Send “Hi” to 022-48815768 to update details using our WhatsApp services
• Email us at service@bhartiaxa.com from your registered email address
• Visit nearest Bharti AXA Life Insurance branch
• Click here to locate your nearest branch

Please note, mode change for your policy will be allowed only within 30 days from your policy anniversary date.
Click here to download Bharti AXA Life Insurance Mobile App and conveniently update your your mode and method of payment on your smartphone anytime, anywhere!
Below are the alternate options to update the mode or method of your policy:

• Customer Portal
• Send “Hi” to 022-48815768 to update details using WhatsApp services
• Email us at service@bhartiaxa.com from your registered email address
• Visit nearest Bharti AXA Life Insurance branch. Click here to locate your nearest branch

A nominee is the one who receives the benefits of a life insurance plan. It is therefore crucial to choose someone who you trust and genuinely care for as policy nominee. You also have the option to change the nominee at any given time during the policy journey.
Click here to download Bharti AXA Life Insurance Mobile App and conveniently update your nominee on your smartphone anytime, anywhere!
Below are the alternate options to update the nominee of your policy:

• Customer Portal
• Send “Hi” to 022-48815768 to update details using our WhatsApp services
• Email us at service@bhartiaxa.com from your registered email address
• Visit nearest Bharti AXA Life Insurance branch. Click here to locate your nearest branch

To ensure that you receive all important policy related communication on time and to get any assistance from us, it is prudent that you keep your contact details updated with us. You can also avail a host of DIY (Do It Yourself) services conveniently on our WhatsApp BOT "Uttara" with your registered mobile number.
Click here to download Bharti AXA Life Insurance Mobile App and conveniently update your mobile number on your smartphone anytime, anywhere!
Below are the alternate options to update your contact details:

• Customer Portal
• Send “Hi” to 022-48815768 to update details using our WhatsApp services.
• Email us at service@bhartiaxa.com from your registered email address
• Call us on our Toll Free Number 1800-102-4444
• Visit nearest Bharti AXA Life Insurance branch. Click here to locate your nearest branch

A loan on life insurance policy allows the policyholder to borrow money from insurer using the surrender value of the life insurance policy as collateral.
 

1. The loan amount you can borrow depends on the surrender value of your policy. Typically, you can borrow up to 70% - 90% of the surrender value subject to a minimum availability of ₹15,000 and T&C specified in your policy document.

The interest rate for loan on life insurance policy varies by insurer and the terms of the policy. The interest rate chargeable for loans from Bharti AXA Life will be at 10.18% p.a. simple interest for FY24-25.

Bharti AXA Life does not charge any processing fees, foreclosure charges or any other type of fees for loan on policy.
 

Bharti AXA Life will deduct the loan amount, plus interest, from the death benefit/surrender/any pay-out to be received. If the loan balance exceeds the policy’s surrender value, the policy will get terminated.
 

Repay your loan digitally through DigiServe, Mobile Application/ Customer Portal. 

• Click on “Loan Repayment” icon under “Services” on DigiServe
• Enter policy details and proceed with full payment
• Select the payment method and proceed
• After successful payment, a request ticket number is displayed
   

Customer can conveniently apply for a loan digitally with the given steps:

• By login through DigiServe, Mobile Application/ Customer Portal
• Click on “Service” tab
• Thereafter, click on “Loan Request” button
• Select the loan amount needed and follow the steps
• Verify the account details and proceed for confirmation

Customer can also walk-in to their nearest Bharti AXA Life branch. Locate us at Branch locator