Where can I get the list of diagnostic / medical centres?

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.

Bharti AXA Life Secure InstaIncome - Non-Linked, Non-Participating Individual Savings Life Insurance Plan

Why Bharti AXA Life Secure InstaIncome Plan is right for you?

Bharti AXA Life Secure InstaIncome Plan is a non-linked, non-participating individual savings life insurance product. This product offers various premium payment terms and income term options along with the flexibility of choosing a death benefit multiple.

Financial Security
Life insurance cover to protect your family
Guaranteed Instant Returns
Fully guaranteed regular benefits to meet your dreams.
Liquidity
Get income as early as on issuance.
Loyalty additions & Maturity Benefit
You can enhance your returns with loyalty additions and maturity benefits (if applicable).
Multiple Income Structure
Choose from 4 variants based on your needs.
Flexibility
Flexibility to choose premium payment term, policy term, income payout period and deferment period based on your personal choice and needs.
Tax Benefits
As per prevailing tax laws
Enhanced Protection Coverage Through Riders

Key Benefits

Financial Security

Guaranteed Instant Returns

Instant Liquidity

Loyalty additions & Maturity Benefit

Multiple Income Structures

Flexibility

Tax benefits

Enhanced Protection Coverage Through Riders

How Does the Plan Exactly Work?

Following illustrative scenarios will help you understand different variants offered by Bharti AXA Life Secure InstaIncome Plan:

Mohit, at age 35 years, decides to purchase Bharti AXA Life Secure InstaIncome Plan for a premium of INR 1,00,000 p.a. (exclusive of taxes, rider premiums and underwriting extra premiums, if any) and opts for Variant 1.

He opts for a policy term of 30 years and premium payment term of 10 years with an income term of 30 years.

At the beginning of the 1st policy year Mohit receives an Income Booster of Rs. 50,000

On Survival and provided all premiums have been paid, the Guaranteed Early Income will start from end of 2 policy year till Year 10 (end of year); from end of Year 11, income payments (Guaranteed Income plus Loyalty Booster) start and are paid till end of 30th year. On survival till the end of the 30th Year, the Guaranteed Maturity Benefit is paid out.

Early income, Guaranteed and Loyalty income can be taken with a frequency of Annual, Semi-Annual, Quarterly, and Monthly. Mohit opts to receive the income annually.

The below cases illustrate the benefits that Mohit would receive in this option.

Case I: On survival till policy maturity

Mohit pays the premiums for the entire duration of the premium payment term that is, 10 years.

At the beginning of the 1st policy year he receives an Income Booster of Rs. 50,000.

From end of the Second Policy year, Guaranteed Early Income starts and is paid each year till the end of Premium Payment Term.

On Survival, and provided all premiums have been paid, Guaranteed Income and Loyalty Income payments would start from the end of 11th year end till the end of 30th year.

On survival till end of 30th year, Guaranteed Maturity benefit is paid out.

Total Premium Paid (INR)	10,00,000
Benefits Payable	Benefit Amount (INR)	Timing of Benefits
Income Booster	50,000	Beginning of 1st policy year
Guaranteed Early Income (p.a.)	24,950	End of 2nd policy year till the end of the 10th Policy Year
Guaranteed Income (p.a.)	12,480	End of the 11th policy tear till the end of the 30th Policy Year
Loyalty Income (p.a.)	12,480
Total Income (p.a.) (Guaranteed plus Loyalty Booster)	24,960	End of the 11th policy tear till the end of the 30th Policy Year
Total Income paid (including early income and immediate income booster)	7,73,750
Guaranteed Maturity Benefit	10,00,000	End of 30th Policy Year

Case II: Death during Policy Term

In case of Mohit’s death during the policy term in the 10th year, his family would receive death benefit of INR. 10,50,000 immediately on death.

All the above examples are for offline illustration purposes only.

Make your plan with ease

Pick a plan option

Choose one of the options, as per your financial goals.

Variant 1

Get Income Booster on issuance, Guaranteed Early Income, Guaranteed Income, Loyalty Income and Guaranteed Maturity benefit.

Variant 2

Variant 3

Variant 4

Variant 1

Get Income Booster on issuance, Guaranteed Early Income, Guaranteed Income, Loyalty Income and Guaranteed Maturity benefit.

Variant 2

Get Guaranteed Early Income, Guaranteed Income, Loyalty Income and Guaranteed Maturity benefit.

Variant 3

Get Guaranteed Early Income starting from the year you choose, Guaranteed Income & Loyalty Income

Variant 4

Get Guaranteed Early Income starting from the year you choose, Guaranteed Income, Loyalty Income & Guaranteed Maturity benefit.

Now, add a rider

For added protection, the following riders can be availed by paying additional premium along with Bharti AXA Life Secure InstaIncome Plan.

Bharti AXA Life Hospi Cash Rider (UIN 130B007V05): :

This rider allows payment of a fixed benefit for each day of hospitalization and also provides lump sum benefit in case of surgery.

Bharti AXA Life Premium Waiver Rider (UIN 130B005V05)::

Under this rider in case of the unfortunate event of death, Total Permanent Disability or critical illness (in case of Policyholder) and Critical Illness (in case of Life Insured) the future premiums are waived off and the benefits under the policy will continue.

Bharti AXA Life Term Rider (UIN 130B009V03): :

Under this rider the policyholder can increase the life insurance coverage for a nominal premium.

Bharti AXA Life Non-Linked Complete Shield Rider (UIN 130B011V02)::

Receive additional sum assured chosen under the rider in case of happening of a covered event.

Your Questions Answered

How do I know my ideal Sum Assured?

The ideal income for your chosen Sum Assured is shown in the premium box. Depending on your income status you can either increase or decrease your Sum Assured.

What will be the difference if I take the policy from an aggregator?

There is no difference. Web aggregators just advertise the benefits of Bharti AXA Life products on their website. All applications for purchasing the policy are directly routed to the Bharti AXA Life website. A customer cannot directly purchase the policy from an aggregator.

I do not have my policy details readily available with me either for Bharti AXA or for any other Insurance Company.

We suggest you save the data entered till now & collect the information requested for completing this information. Any non-disclosure can have a direct impact on your application.

Insurance Jargon Explained

Sum Assured

Sum assured is the amount that an insurer agrees to pay on the occurrence of a stated contingency (eg: Death).

Maturity Benefit

It is the amount which the insurance company pays to the policy holder on the completion of the Policy Term, if the Life Insured has survived the entire duration of the Policy. This amount includes the guaranteed sum of money called as Sum Assured on Maturity and also the Accrued Bonuses, if applicable.

Coverage

The amount of protection provided to the Policyholder on the basis of premium amount and the terms of the policy.

Rider

A provision attached to a policy that adds benefits not available in the original policy or that changes the original policy.

Riders help the Policyholder in enhancing the insurance product to meet specific needs by adding protection benefits to the basic Insurance Plan at a lower additional cost. For example, Bharti AXA Life Hospi cash rider provides fixed per day cash benefit to the Policyholder for each day of hospitalisation, thus providing benefits of a health plan along with base Life Insurance plan.

View all Jargon

Bharti AXA Life Secure InstaIncome Plan

Why Bharti AXA Life Secure InstaIncome Plan is right for you?

Key Benefits

How Does the Plan Exactly Work?

Make your plan with ease

Pick a plan option

Variant 1

Variant 2

Variant 3

Variant 4

Variant 1

Variant 2

Variant 3

Variant 4

Now, add a rider

Bharti AXA Life Hospi Cash Rider (UIN 130B007V05): :

Bharti AXA Life Premium Waiver Rider (UIN 130B005V05)::

Bharti AXA Life Term Rider (UIN 130B009V03): :

Bharti AXA Life Non-Linked Complete Shield Rider (UIN 130B011V02)::

Your Questions Answered

How do I know my ideal Sum Assured?

What will be the difference if I take the policy from an aggregator?

I do not have my policy details readily available with me either for Bharti AXA or for any other Insurance Company.

Insurance Jargon Explained

Sum Assured

Maturity Benefit

Coverage

Rider

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