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Introduction/Overview
Bharti AXA Life Premium Waiver Rider is an additional benefit which can be attached to the base policy to customize the plan. The rider offers additional benefit in case of death of the policyholder.
Benefits
On death of the policyholder, the future premiums are waived off and are paid by the insurer while the base plan continues The rider benefit ceases when the base plan ceases or the event insured against occurs or the policyholder discontinues the rider Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
Exclusions
In case of suicide only 80% of the premiums paid till death are returned
Key Features
The rider is applicable where the policyholder and the life insured is different The rider can be availed at very nominal rates
Product Specification:
Policy Details Grace Period: grace period as applicable under the base plan Policy Termination or Surrender Benefit: not applicable under the plan Free look period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
Documents Required
Policyholder has to fill up an `Application form/ proposal form of the base plan with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.