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A Review on Bajaj Allianz eTouch Online Term Insurance Plan

Term insurance plans are the purest, cheapest and simplest form of insurance product available in the market. As there are numerous insurance companies that are coming up with an array of term insurance products, which can be customized according to the requirements of the customers, Bajaj Allianz life insurance company limited, a well-known name in the insurance sector, has launched its first online term plan - ‘eTouch’.

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Bajaj Allianz eTouch Online Term Plan is a complete protection plan that is structured to safeguard the future of your loved ones from future uncertainties of life. This is a pure term plan that also provides health cover. The plan provides life cover along with the combined benefits of accidental death and disability (total and/or permanent), as well as critical illness. Moreover, waiver of premium rider is one of the many add-on benefits offered by this online term plan.

What are the Key Features of Bajaj Allianz eTouch Term Plan?

Here is a list of key factors of Bajaj eTouch term plan in India:

  • Comprehensive Life Cover: The plan provides comprehensive protection to the policyholder.

  • Rider benefits: In order to enhance the protection, the insured can choose from the additional rider option available with the plan.

  • Customizable Payout options: The policy provides an option to the beneficiary to avail the policy benefits in a lump-sum amount or in monthly installments.

  • Premium Rebate for non-smokers: The plan provides a lower premium rate for those who lead a healthy lifestyle.

  • Tax Benefits: The term insurance tax benefits are available under sections 80C and 10(10D) of the Income Tax Act, 1961.

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What are the Eligibility Conditions of Bajaj Allianz eTouch Online Term Plan?

The below table shows the eligibility criteria and other details of the policy:

Parameters Minimum Maximum
Entry Age 18 years 55 years
Maturity Age 28 years 99 years
Policy Term 10 years 40 years
Sum Assured 50 Lakhs 10 Crores
Premium payment Mode Annually, quarterly, bi-annually and monthly.
Premium Payment Term Limited Pay or Regular Pay

* You can also use a term insurance premium calculator to check the premium amount you would need to pay for the desired sum assured.

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What are the Benefits of Bajaj Allianz Life eTouch Term Plan?

Let us take a look at some of the Bajaj eTouch term plans in India;

  • Plan Options: There are 3 plan options available with this plan:

    • Life Shield

    • Life Sheild Plus

    • Life Sheild ROP

  • Death Benefits: On the death of the policyholder during the policy term, the insurer will payout the life cover amount to the nominee of the policy.

  • Terminal Illness: In case the policyholder is diagnosed with a terminal illness during the policy term if the life cover is less than 2 Crores, the entire sum assured will be paid to the policyholder. In case the life cover is more than 2 crores, the insurer will pay 2 crore on the diagnosis, and the rest will be paid on the death of the policyholder.

  • WOP Benefit on ATPD/TI: On the diagnosis of accidental total permanent disability (ATPD) or terminal illness, the insurer will waive off all the remaining premiums.

  • Accidental Death Benefit: In case of the accidental death of the policyholder, an additional amount on top of the base life cover will be paid to the nominee of the policy.

  • Return of Premiums: With the ROP options, you will be eligible to receive the premiums paid on the survival of the policy term at policy termination. The returned amount will be paid as a lump sum, exclusive of GST and other nominal charges.

  • Early Exit Benefits: This term insurance plan allows customers to exit the plan within a certain stage and receive all the premiums paid at the termination of the policy.

  • Life Stage Benefits: Customers can increase their base sum assured at different life stages like marriage, childbirth, and home loans.

  • Premium Holiday: You can skip premium payments for 1, 2, or 3 years during teh policy term, provided all the premiums are duly paid. During this holiday, the policy will continue its benefits and coverage.

  • Death Benefit Payment Options: You can choose for the death benefit payout to be paid in lump sum or monthly income.

Why Consider Buying Bajaj Allianz eTouch Term Plan?

Here is a list of reasons why you should consider buying Bajaj Allianz life insurance plan:

  • Smooth Claim Settlement: Bajaj Allianz has a very smooth claim settlement procedure, as there are very few people who file for a claims complaint. This means that most customers had an easy and quick claim settlement.

  • Claim Settlement Ratio: Bajaj Allianz has a claim settlement ratio of 99.02%, which means the company is a reliable insurer. This means, that the company has a better chance of settling your family’s potential claims in the future.

  • Track Claims Online: With Bajaj eTouch term plan, your nominee can keep track of their claims online via their Bajaj Allianz life insurance login portal.

Note: Know what is term insurance first and then buy a term plan for your loved ones.

Wrapping it up!

As it is an online term plan of Bajaj Allianz life insurance, this plan is time-convenient and saves you from the hassle of paperwork. To sum up, Bajaj Allianz eTouch online term insurance plan is a complete life insurance solution that focuses on providing a complete protection against the 3 Ds of life- Death, Disease, and Disability.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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