A Review of Bharti AXA Life Flexi Term Pro

Manohar from Karnal bought a Bharti AXA Term insurance plan from us on 15th July 2016 and rated his experience 5 stars. He bought the plan with high life cover and low premium rates online. 

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“My term insurance plan is great which i bought from bharti axa life insurance. Policy premium is less and the returns are high. Policy coverage is high and the claims are even better. Service is fantastic which facilitate by the executives of the company.” - By Manohar

Bharti AXA Life Flexi Term Pro is a term insurance plan offering various benefits to suit the needs of individuals. 

Let us take a look at some of the key features and benefits of this term insurance plan.

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Key Features of Bharti AXA Life Flexi Term Pro

Bharti AXA Term insurance offers the following key features 

  • Since this is a term plan, the family of the policyholder will receive a death benefit in case of the policyholder’s unfortunate death

  • The plan offers 2 options: With or without term return of premium option

  • You can purchase either the single or the joint-life option under without return of premium variant

  • You get flexibility in policy and premium payment term

  • You get the option to extend the cover till 99 years of age

  • The plan allows you to increase the life cover as your life stage requirements increases

  • The plan also offers 3 death benefit payout options: lump sum, monthly income, or lump sum + monthly income

  • The plan offers special premium rates for female customers and non-smokers

Benefits of Bharti AXA Life Flexi Term Pro

Manohar purchased the Bharti AXA Life Flexi Term Pro after going through the following benefits offered by the plan. The benefits of the plan are:

  • Death Benefit: The sum assured on death will be paid as a death benefit to the nominee of the policyholder, in case the policyholder dies during the policy term.

  • Maturity Benefit: Under the term return of premium option, all the premiums paid towards keeping the plan active will be returned at the end of the policy tenure.

  • Increasing Sum Assured: You can increase the sum assured twice during the policy tenure without any medical exam. The sum assured can be increased by 50% of the basic sum assured. This option is only available under the single life option, without return of premium for regular or limited pay till 60-year policies.

  • Add-on Riders: You can include any of the following riders in your base plan to increase its coverage

    • Bharti AXA Life Premium Waiver Rider: On the diagnosis of any of the 13 critical illnesses listed under the plan, the company will pay the remaining premiums for the policy will be waived off.

    • Bharti AXA Life Hospi Cash Rider: In case of hospitalization, the company will pay a fixed amount for each day for a maximum of 40 days per year. It also provides a lump sum in the event of surgery.

    • Bharti AXA Life Accidental Total and Permanent Disability Rider: The rider sum assured will be paid in case of total and permanent disability due to an accident.

    • Bharti AXA Life Accidental Death Benefit Rider: The additional rider sum assured will be offered in case of death due to an accident.

  • Tax Benefits: You can avail of tax benefits under sections 80C and 10(10D) of the Income Tax Act of 1961.

  • Policy Revival: You can receive your lapsed Bharti AXA Life Flexi Term Pro plan within 5 years of the first unpaid premium date by paying the outstanding premiums, applicable interest, and taxes. 

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Eligibility Criteria of the Bharti AXA Life Flexi Term Pro

Here are the eligibility criteria for the Bharti AXA Flexi Term Pro

Parameters Minimum Maximum
Entry Age 18 years 65 years
Maturity Age - Till 99 years
Policy Term Without ROP 1 year 50 years/ till 99 years
With ROP 10 years 50 years/ till 85 years
Premium Payment Term 5 years Till 70 years
Sum Assured Rs. 25 Lacs No limit
Premium Payment Modes Annual, bi-annual, quarterly, and monthly
Premium Payment Option Single pay, Regular pay, or Limited pay

Final Thoughts

Bharti AXA Life Flexi Term Pro is a pure risk protection plan that offers several benefits to fit the needs of individuals from all walks of life. You can purchase the Bharti AXA Term plan online or offline at your convenience, from the comfort of your home.


  • How can I check my Bharti AXA policy details?

    Ans: You can check your Bharti AXA policy details online by logging into your Customer Login Account. You can log in to your customer login by entering your registered mobile number and date of birth.
  • How can I withdraw my Bharti AXA policy?

    Ans: You can surrender your Bharti AXA term insurance plan after the end of the first 2 policy years and the applicable surrender value at the time of policy cancellation will be paid to the policyholder.
  • Can we trust Bharti AXA?

    Ans: Yes, you can trust Bharti AXA as the company is an Indian private insurer that has been providing insurance solutions since 2006 and has a claim settlement ratio of 99.09% for the FY 2021-22.

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