Bajaj Life Term Plan for Diabetics

Bajaj Life Diabetic Term Plan Sub 8 HbA1c is a protection plan specially designed to provide term insurance coverage to pre-diabetics and Type-II diabetics (by taking health conditions into consideration). This plan allows diabetics to ensure that their families have all the important resources to continue living their normal lives, in case of absence of a sole earner.

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10.5 Crore Registered Consumer

5.3 Crore Policies Sold

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Exclusively Designed for Diabetics

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List of Diabetic Plan

Bajaj Allianz Life Diabetic Plan

Life Cover

1 Cr

Claim Settlement

99.0%

Disclaimer: ˜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.The above plan is for *1 Cr sum assured Standard T&C Apply. Price would vary basis your profile. Prices offered by the insurer are as per the IRDAI-approved insurance plans. 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

** HbA1c is called glycated haemoglobin: It is a blood test that examines what is your average glucose (blood sugar) level over the last 2 to 3 months.

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 Bajaj Life Diabetic Term Plan Sub 8 HbA1c

This term insurance plan is specifically designed for Individuals with Prediabetes and Type-2 diabetes (having HbA1c level ≤ 8%).
Plan offers comprehensive financial stability to your loved ones
Flexibility to select from a number of premium payment frequencies
‘Keep fit benefit’ helps improve your health and you get the flexibility of discounts on premiums on completing the policy year
Services regarding health management will also be provided via medical consultations, webinars, etc., to help customers in managing their diabetes and health.
Low premium rates for individuals who are non-tobacco users
Get tax benefits as per the prevailing laws of the Income Tax Act, of 1961.

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

How does The Bajaj Life Diabetic Term Plan Sub 8 HbA1c Work?

Step 1: Choose your sum assured: Assess the protection level by choosing the sum assured amount you need to secure the future of your family.

Step 2: Select your policy Term: Choose the time for which you wish to receive a life insurance protection. You are required to pay the premium amounts throughout the policy tenure to continue the life cover.

*Policy term and premium payment term are equivalent under this plan

Step 3: Select your premium payment frequency: You can choose to pay your premium amounts monthly or yearly, depending on your convenience.

Step 4: Click on ‘Check Premium’

Step 5: Fill in your basic details (email address, salary, pincode etc.). Answer Health questions as per your health condition (The premium amount will depend on your age, sum assured, gender, smoker status, HbA1c, health status, premium payment frequency, policy term, etc. ). Click on proceed to get your premium

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₹1 CRORE

Term Plan Starting @

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⁺Standard T&C Applied

Eligibility Criteria of The Bajaj Life Diabetic Term Plan Sub 8 HbA1c

Parameters	Minimum	Maximum
Entry age	30 years	60 years
Maturity Age	35 years	75 years
Policy Term	5 years	25 years
Premium Payment Term	Regular Premium
Premium Payment Frequency	Yearly Half-yearly Quarterly Monthly

Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying.

Benefits of Bajaj Life Diabetic Term Plan Sub 8 HbA1c

Death Benefit

In case of the life assured’s death during the policy tenure, provided the plan is active, your legal heir/nominee will get the sum assured on death chosen at the policy’s inception. The plan will terminate on the life assured’s death.

SA on death is explained as the highest of:
- Sum assured
- 10X of annualized premium
- 105% of the total amount of premium paid till the death date
Maturity Benefit

As it is a pure-term plan, no benefit shall be paid in case of survival till the date of maturity. The plan will terminate on the date of maturity.
“Keep fit” Benefit

This benefit encourages you to take measures to improve your health quality. Improving the parameters of diabetes from the last revival date or policy inception (whichever is later), this benefit helps to get a discount of 10% on your premium installment on the plan anniversary.

Policy Details: Terms & Conditions

Free Look Period

A free look period of 15 days from the receipt date of the policy documents and 30 days of time in case of policies obtained from distance mode or electronic policies is provided to review the terms and conditions of the plan. If you do not agree with these T&Cs, you have the option to return the plan for cancellation, mentioning the reasons for objection, and then a refund of regular premiums will be paid (excluding applicable taxes).
Grace Period

If you forget to pay premiums by the due date mentioned, you will be provided with a grace period of 30 days for yearly, half-yearly and quarterly payments and 15 days for monthly payment frequency to pay the due amount of premium. The life assured will be covered for the death benefit during the grace period. In case of death during the grace period, the outstanding premium amounts will be deducted from the paid benefits.
Non-payment of premiums

In case you have failed to pay the due amount of premium before the expiration of the grace period, then, your plan will lapse at the grace period expiration and no other benefits will be paid under this plan.
Revival

You have the option to revive the plan under certain conditions if your policy gets lapsed because of non-payment of premiums. A written notice for revival is made within 5 years from the due date of 1st unpaid premiums.

Exclusions

In case of a life assured's death because of suicide within 1 year (12 months) from the commencement date of risk or recent policy revival date (whichever is later), the beneficiary/nominee of the policyholder shall be eligible to receive 80% of the full premium amount paid in form of the death benefit under the plan, provided the policy is active.

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

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˜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. 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.

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