Policyholder has to fill up an `Application form/ proposal form with accurate medical history along with the address proof and other KYC documents. Medical examination may be required in some cases, based on the sum assured and the age of the person. Top Bharti AXA Health Insurance Plans
Details About Premium Annual premium in Rupees for a policy term of 20 years and PPT 10 years Policy Details Grace Period: 30 days grace period is allowed for premium payment in all modes. If policyholder fails to make payment within the grace period, the policy lapses Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 2 / 3 years premiums has been paid. The Surrender Value will be higher of the Guaranteed Surrender Value or the Special Surrender Value. GSV = GSV Factor * annual premiums less the Guaranteed Monthly Income already received 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.
It is a non-participating plan with limited premium payment option Guaranteed Income is paid every month after the completion of the premium payment term Guaranteed Additions accrue after the premium payment term till maturity or death The rate of Guaranteed Additions depends on the policy term and the PPT
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Discount in premium for premiums of Rs. 1 lakh and above Bharti AXA Life Hospital Cash Rider is available under the plan Inclusions A loan of a maximum of 70% of the Surrender Value is available under the plan Exclusions In case of suicide committed within 12 months of policy inception only premiums paid are returned to the nominee. In case of suicide within 12 months of revival, higher of 80% of premiums paid or acquired Surrender Value is paid
On maturity, the basic SA along with the aggregate Guaranteed Additions, is paid to the policyholder On death of the policyholder the death benefit as per the policy term chosen is payable A guaranteed Income of 8% of Sum Assured p.a. is paid from the completion of the PPT till maturity or death Income tax benefit on the premium paid as per Section 80C and on the claims received as per Section 10(10D) of the Income Tax Act.
Bharti AXA Life Secure Income Plan is a traditional non-participating savings plan with regular monthly incomes to take care of the additional expenses and also life insurance coverage for protection purposes
