Whatsapp Icon

Bharti AXA Life Non-Linked Complete Shield Rider

(UIN:130B011V02)
(ADVT NO:II-Sep-2024-5507)

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

The Bharti AXA life non-linked complete shield rider gives you protection from many life risks. It offers rider benefits for accidental death, accidental total and permanent disability, accidental permanent and partial disability, standard critical illnesses, comprehensive critical illnesses and cancer care. You can choose according to your needs and pay only for the specified benefits.

The rider provides extra coverage at a nominal rate. You will receive the rider sum assured along with the base sum assured in case of insured events. You and your family can get protection from financial emergencies through the rider.

Ask An Advisor

4 Reasons to Buy

  • Financial protection in case of accidental death : In case of accidental death of the person insured, the sum assured under the rider will be paid in addition to the base sum assured to the nominee.
  • Tax benefits : You can get tax benefits with Bharti AXA Life Non-Linked Complete Shield Rider under Income Tax Act, 1961.
  • Advantageous benefits for women : Under Standard Critical Illness, 3 additional illnesses are covered for women lives, making it advantageous for women.
  • 105% return of premium : You have the option to choose return on premiums (105%)for 3 accidental rider variants: Accidental Death Benefit (ADB), Accidental Total and Partial Disability (ATPD) and the Accidental Permanent and Partial Disability (APPD).

*'Tax benefits are as per Income Tax Act, 1963, and subject to amendment from time to time.

Individuals falling under the below criteria can buy Bharti AXA life Non-Linked Complete Shield Rider.

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.

Download Brochure
Policy Bond