Bharti AXA Life Insurance Review

“I did not want a fancy plan for my family's security. I just wanted to be sure that, even if I wasn't around tomorrow, my family wouldn't be left financially insecure. After looking at a few insurers, I chose a term plan from Bharti AXA Life Insurance. The pricing made sense, the coverage was clear, and their claim numbers gave me confidence. I sleep better now knowing my family has a backup.”
– Rohan

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About Bharti AXA Life Insurance

Bharti AXA Life Insurance offers life insurance solutions designed for different stages of life. It's a joint venture between Bharti Enterprises and the AXA Group, operating in India since 2006. Whether you're just starting out in your career, getting ready for your child's education, or thinking about retirement. The company has something for everyone.
Rohan chose Bharti AXA Life Insurance for long-term protection because he wanted a dependable insurer with a clear claim process and reasonable premiums. His decision was influenced by the company’s strong financial backing and consistent claim settlement record.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Key Features of Bharti AXA Life Insurance

  • Different Plans for different stages of life
    Bharti AXA has term life insurance, ULIPs, plans for kids, savings plans, and retirement plans. The insurance company takes care of all your insurance needs by offering a wide range of plans.

  • Strong backing
    The insurer is supported by Bharti Enterprises and AXA Group. That backing shows up in how conservatively the company operates and how it manages long-term commitments.

  • Service reach
    With offices across more than 120 cities and multiple service channels, customers aren’t completely dependent on one mode of support.

  • Flexibility
    Policy terms, premium payment options, and riders can usually be adjusted, which helps when income or responsibilities change.

one crore term plan

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%#

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

Benefits of Bharti AXA Life Insurance Policies

  • Bharti AXA offers a wide range of life insurance plans, making it easy for you to find one that meets your protection and financial goals.

  • Bharti AXA's term insurance plans offer full life insurance coverage at a low cost. Riders like critical illness riders and accidental death benefits can also add extra benefits to your plans.

  • A claim settlement ratio of 99.18% is not marketing language. It’s a performance indicator that matters most after the policyholder is gone.

  • Critical illness and accidental death riders allow policyholders to add extra protection without buying separate policies.

  • According to current tax laws, premiums paid for Bharti AXA Life Insurance Plans can be deducted from your taxes under Section 80C. Maturity or death benefits may also be exempt from taxes under Section 10(10D).

Why You Should Buy Bharti AXA Life Insurance?

Choosing Bharti AXA Life Insurance is a best way to protect your and your family's future because it has plans that are affordable, offers wide coverage and can be customized as per your needs.

  • It has a wide service network with over 200 offices

  • It manages assets worth more than ₹18,000 crore

  • It has a high claim settlement ratio of 99.18%*, that makes sure your family gets the financial support when they need it most

Life Insurer Details

Should You Buy Bharti AXA Life Insurance? Final Thoughts.

Bharti AXA Life Insurance is ideal for you if you:

  • Looking for a reliable term plan, not an over-designed product

  • Someone who values claim reliability over brand noise

  • Early in your career, and want affordable long-term protection

  • Planning family responsibilities and future liabilities

It may not be the right choice if you're chasing high returns or want aggressive investment features. But if you wish to secure your family's future, Bharti AXA focuses on protection, process, and consistency.

Life Insurer Details


Premium By Age

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.



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