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Bharti AXA Life Linked Complete Shield Rider

(UIN:130A012V02)
(ADVT NO:II-Sep-2024-5508)

A Non-Linked, Non-Participating Individual Health Insurance Rider

Accidents and critical incidents can hit you badly without any prior notification. Therefore, you need to invest in insurance plans that can protect against unforeseen incidents. Bharti AXA Life Linked Complete Shield Rider gives you additional protection in the event of accidental disability (total and permanent), accidental death, accidental disability (permanent and partial), critical illnesses, and cancer. You can enjoy the liberty to choose the benefits of your choice so that your family is safe and can meet the financial crisis in the event of your accidental death or disability or diseases.

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4 Reasons to Buy

Bharti AXA life linked complete shield rider is a comprehensive add-on because of the following 4 reasons :

  • Customization of Insurance plan : There are six rider benefits available in Bharti AXA life-linked complete shield rider including total or partial disability, accidental death, cancer, and other critical illnesses. You can also avail the waiver of premium options. You can customize the rider benefits according to your choice.
  • Women's special benefits : There is coverage for fifteen critical illnesses for women under the standard critical illnesses option.
  • Income tax benefits : Bharti AXA life linked complete shield rider provides various tax benefits according to the prevailing tax laws*.
  • 105% return on premium : Under Return of Premium benefit option, you will receive a 105% return in case of Accidental Death Benefit (ADB), Accidental Permanent and Partial Disability (APPD), and Accidental Total and Permanent Disability (ATPD).

*‘Tax benefits are as per Income Tax Act, 1961, and subject to amendment from time to time’

The eligibility criteria for Linked Complete Shield Rider are as below :

Parameter Eligibility Criteria

Minimum age at entry

18 years

Maximum age at entry

65 years

Maximum age at Maturity

85 years

Rider Term

Fixed Rider term:5,10,12,14,15,16,20,25,30,35,40, 45, 50
Variable Rider term: To Age 60,65,70,75,80,85
For ADB, ATPD, APPD, ADB – ROP, ATPD – ROP, APPD - ROP and WoP on ATPD: 67 years
For SCI, CCI, Cancer Care WoP on SCI and WoP on Major CCI : 10 years

Premium Payment Term
Rider Premium Payment Term(In Years) Without Return of PremiumRider term(In Years) Return of PremiumRider Term(In Years)

5 years

10,12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

10,12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

6 years

12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

7 years

12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

8 years

14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

14,15,16,20,25,30,35,40,45,50,To Age 60, 65, 70, 75, 80, 85

10 years

15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

11 years

16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

12 years

20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

15 years

20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

Pay till 60

10,12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

10,12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

Pay till 70

10,12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

10,12,14,15,16,20,25,30,35,40,45,50, To Age 60, 65, 70, 75, 80, 85

Regular Pay

Same as Rider Term(5,10,12,14,15,16,20,25,30,35,40, 45, 50, To Age 60, 65, 70, 75, 80, 85)

Same as Rider Term(5,10,12,14,15,16,20,25,30,35,40, 45, 50, To Age 60, 65, 70, 75, 80, 85)

Single Pay (1 year PPT)

5,10,12,14,15,16,20,25,30,35,40, 45, 50, To Age 60, 65, 70, 75, 80, 85

5,10,12,14,15,16,20,25,30,35,40, 45, 50, To Age 60, 65, 70, 75, 80, 85

Minimum Sum Assured (Rs.)

Rs 1,00,000/-

Maximum Sum Assured (Rs.)#

No Limit. The maximum premium shall be subject to the Company’s Board Approved Underwriting Policy.

Premium Payment Modes

Single, Annual, semi- annual, quarterly* & monthly*

Minimum Premium

Based on the minimum Rider Sum Assured.
Premium will vary depending upon the Option chosen.

*Through auto pay only

# The maximum rider sum assured shall comply with Master Circular on Life Insurance Products (Ref: IRDAI/ACTL/MSTCIR/MISC/89/6/2024) and any subsequent changes as may be applicable. The Company shall comply with the extant regulations amended from time to time.

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