Bharti Axa Bharti Axa

Bharti AXA Life Child Advantage

(UIN: 130N065V03)
(ADVT II-DEC-2016-1443A)

A traditional participating savings plan with an in-built Premium waiver benefit that offers you the flexibility to choose between 2 Maturity benefits – Money back and Endowment – depending on the needs and career goals of your child.

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4 Reasons to Buy
  • Choose between pay-out options that are based on your child’s needs – Money back or Endowment. a.)With the Money back option, you will get guaranteed pay-outs in the last 5 years before Maturity to meet your child’s education needs. At Maturity you will get guaranteed Maturity pay-out for your child’s higher education and career needs. b.) With the Endowment option you will get a guaranteed lump sum amount at Maturity, provided the Policy is in force, to help meet your child’s dream.
  • Built-in Premium waiver benefit ensures that your child’s needs will be taken care of. If something unfortunate were to happen to the parent (Life Insured) the future Premiums are waived off while all the benefits in the policy continue.
  • Flexibility to choose your Policy Term – between 11 and 21 years. Based on your child’s age, you can choose a Policy Term between 11 to 21 years. Also choose the Premium payment type –‘limited pay’ where the Premium payment term is 5 years lesser than the Policy Term or ‘regular pay’ where the Premium payment term is equal to Policy Term.
  • Potential upside with bonus. Non-guaranteed annual simple reversionary bonus gets accrued to the policy at the end of each year provided all due Premiums are paid and is payable at Maturity. The company may also declare non-guaranteed terminal bonus that will be also be payable at Maturity.

Plan Details

How it works?

Let’s take a look at this case study

35 year old Karan has a 2 year old son Sahil, he chooses our Bharti AXA Life Child Advantage with Money Back option for a Sum Assured of ₹ 18,18,512. He pays an annual premium of ₹ 1,00,000 p.a. for 20 years.

  • Starts paying an  annual premium* of ₹ 1,00,000

    1ST POLICY YEAR

  • Starts receiving guaranteed pay-outs of ₹ 1,81,851 each year

    15TH AND 16THPOLICY YEAR

  • Then he receives guaranteed pay-outs of ₹ 2,72,777 each year

    17TH AND 18THPOLICY YEAR

  • Next he receives guaranteed pay-out of ₹ 3,63,702

    19TH POLICY YEAR

  • While Karan still continues paying an annual premium* of ₹ 1,00,000 throughout the entire premium payment term of 20 years

    20TH POLICY YEAR

  • He also receives a lump sum maturity benefit : @8% p.a.₹  19,27,623# (Guaranteed ₹ 7,27,405 + Non-guaranteed accumulated bonus ₹  12,00,218#) 
    OR @4% p.a.  ₹  11,67,485# (Guaranteed ₹ 7,27,405 + Non-guaranteed accumulated bonus ₹  4,40,080#)

    END OF 20THPOLICY YEAR

*Premium is exclusive of service tax

# 4% and 8% rates are used only for illustration purposes and are not guaranteed. The values represented with 4% & 8% are not the upper or lower limits of what one can expect from this policy, as it is dependent on number of factors including investment performance

Sad Demise

In case of Karan’s untimely demise, before the 20th Policy year, his son will receive ₹ 20,00,364 as life insurance benefit and all the future premiums will be waived off. Additionally, his son will receive all the remaining guaranteed pay-outs and lump sum maturity benefits.

Parameter Eligibility Criteria
Premium Type Regular Pay Limited Pay
Policy Term 11 to 21 years 11 to 21 years
Premium Payment Term Same as Policy Term
Policy Term minus 5 years
 
Minimum age at entry (age last birthday) 18 Years 18 years
Maximum age at entry (age last birthday) 50 years 55 years
Maximum Maturity Age (age last birthday) 71 years for Regular pay 76 years for Limited pay
Minimum Sum Assured ₹ 25,000
Minimum Annualized Premium
Depends on the Minimum Sum Assured  
Premium Payment Modes Annual, Semi annual, Quarterly*, Monthly*

* Through Auto Pay only

As parents, you take care to plan your child’s future. You want to give them the best and nothing less. But life is unpredictable. An unfortunate event could cast a shadow on your child’s future; you need to be ready for every eventuality.

At Bharti AXA Life, we understand your needs and have decided to act. We bring you Bharti AXA Life Child Advantage. A child plan that offers you guaranteed payouts at key milestones and waives off all future premiums in case of an unfortunate event. Thus, ensuring that your child’s dreams are never compromised. Along with this, you get the benefits of Non-Guaranteed bonuses and Life Insurance, so your child’s aspirations and dreams are secured for life.

Option to choose the desired benefits:

  • You can choose between 2 Maturity benefits options under this plan at inception according to the needs and career goal of your child.

Money Back option

  • Provides guaranteed pay outs in the last 5 years before maturity to meet your child’s education needs. At maturity this plan offers guaranteed maturity payout of 40% of Sum Assured, to support your child’s higher education and kick start his/her career.
Time of Guaranteed pay outs % of Sum Assured Payable
End of 5th Year before the Maturity Date 10%
End of 4th Year before the Maturity Date 10%
End of 3rd Year before the Maturity Date 15%
End of 2nd Year before the Maturity Date 15%
End of 1st Year before the Maturity Date 20%

Endowment option

Provides a guaranteed lump sum amount of 125% of sum assured at maturity of the Policy, provided the policy is in force, to help your child pursue his aspirations and prepare him for the big events in life.

Policy Continuance:

The policy ensures that your child will receive all the benefits as planned, by waiving off all the future premiums in case something unfortunate was to happen thus ensuring that Your child’s dreams will not be compromised even when you are not around.

Life Insurance Benefit:

In case of the unfortunate event of death of the life insured, the nominee will receive Higher of (110% of Sum Assured for Money Back option and 125% of Sum Assured for Endowment option) or 11 times the base annualized Premium to support your child in a time of need. The death benefit payable at any point in time will not be less than 105% of all premiums paid. In case of an unfortunate event, the guaranteed benefits would continue as planned and all future premiums will be waived off.

Potential Upside with Bonus:

The policy participates in the distribution of surplus or profits that may be declared by the Company. Non-Guaranteed Annual Simple Reversionary bonus gets accrued to the policy at the end of each year provided all due premiums are paid and is payable at Maturity. The company may also declare Non- Guaranteed Terminal bonus which is also payable along with Maturity Benefit.

Option to choose Premium Payment term:

Depending upon the age of your child you can choose the Policy Term options from 11 to 21 Years. Then choose the premium payment type i.e. Limited Pay or Regular Pay depending upon your preference of investment tenure. For Regular Pay, the premium payment term is equal to Policy Term. For Limited Pay, the premium payment term is Policy Term minus 5 Years.

Tax Benefits:

You can avail the tax benefits on the premiums paid and, on the benefits, received subject to the prevailing provisions under Section 80C and Section 10 (10D) respectively of the Income Tax Act, 1961. The tax benefits are subject to change as per change in Tax laws from time to time.

Do I get the flexibility to enhance my protection through additional features?

Yes. To enhance your protection, you may customize your policy by opting for the following riders.

1. Bharti AXA Life Hospi Cash Rider (UIN: 130B007V02)
2. Bharti AXA Life Accidental Death Benefit Rider (UIN:130B008V01)

Please refer rider brochures for complete details on terms and conditions and exclusions before opting for the riders.

Here Are The Age Wise Premium Rates

Sum Assured Band 1: ₹ 25,000 to ₹ 1,50,000
For Regular Pay Option

Policy Term 11 12 13 14 15 16 17 18 19 20 21
Premium Payment Term 11 12 13 14 15 16 17 18 19 20 21
Age : 18 104.33 94.05 88.97 83.46 80.54 74.70 72.12 66.84 62.26 58.10 54.63
19 104.57 94.32 89.17 83.60 80.78 74.93 72.46 66.97 62.38 58.29 54.80
20 104.81 94.80 89.36 83.82 81.15 75.10 72.52 67.07 62.44 58.38 54.86
21 105.05 94.99 89.75 84.03 81.27 75.20 72.64 67.27 62.65 58.53 54.93
22 105.29 95.48 89.85 84.16 81.39 75.43 72.75 67.42 62.82 58.60 55.00
23 105.54 96.27 90.07 84.34 81.45 75.61 72.89 67.52 62.99 58.74 55.11
24 105.78 96.47 90.41 84.50 81.57 75.78 73.01 67.64 63.22 58.87 55.19
25 106.02 97.15 90.63 84.66 81.66 75.92 73.07 67.68 63.34 58.97 55.28
26 106.26 97.33 90.79 84.92 81.70 76.09 73.15 67.79 63.59 59.05 55.34
27 106.50 97.53 91.02 85.14 81.80 76.34 73.23 67.96 63.78 59.20 55.50
28 106.87 97.79 91.15 85.36 81.93 76.80 73.29 68.13 63.91 59.37 55.62
29 107.00 97.99 91.31 85.70 81.96 77.04 73.38 68.19 64.04 59.55 55.70
30 107.11 98.12 91.56 85.93 82.12 77.25 73.47 68.35 64.30 59.63 55.90
31 107.19 98.28 91.79 86.12 82.22 77.40 73.51 68.59 64.48 59.75 56.07
32 107.32 98.56 91.96 86.26 82.34 77.61 73.60 68.79 64.61 60.10 56.52
33 107.46 98.60 92.05 86.38 82.40 77.73 73.98 68.98 64.66 60.50 56.65
34 107.57 98.93 92.17 86.55 82.57 77.85 74.24 69.17 64.78 61.48 57.23
35 107.63 99.17 92.22 86.67 82.62 77.90 74.42 70.03 66.06 62.04 57.75
36 107.75 101.13 92.28 86.72 84.34 78.02 74.93 70.16 66.15 62.30 58.34
37 107.79 101.25 92.40 86.77 84.47 78.16 75.42 70.27 66.37 62.68 58.58
38 107.92 101.40 92.57 86.81 84.60 78.28 75.87 70.79 66.50 63.20 58.96
39 108.01 101.49 93.16 89.85 84.75 78.53 76.60 71.38 67.05 63.48 59.59
40 108.17 101.61 93.41 90.00 84.94 78.98 77.25 72.07 67.68 63.98 60.62
41 108.36 101.68 93.65 90.04 85.21 79.11 77.88 72.73 68.59 64.90 61.58
42 108.43 101.78 93.71 90.16 85.55 79.30 78.60 73.65 69.33 65.53 62.30
43 108.59 101.88 94.19 90.22 85.74 79.61 79.57 74.65 70.30 66.48 63.20
44 109.07 101.94 94.55 90.30 85.86 81.00 80.92 75.61 71.35 67.47 64.23
45 110.04 102.02 94.62 90.95 85.91 81.23 81.13 76.71 72.55 68.70 65.52
46 111.18 102.05 94.74 91.20 86.40 81.67 81.39 77.62 72.79 70.02 66.97
47 111.30 102.12 94.89 91.42 86.53 82.00 81.49 77.98 73.43 70.73 67.84
48 111.78 102.16 95.14 91.76 86.90 82.31 81.63 78.16 73.81 71.04 68.70
49 112.10 103.52 95.36 92.06 87.02 83.65 82.02 78.31 73.91 71.26 70.07
50 112.35 104.46 98.09 93.09 89.05 85.24 82.38 78.36 74.07 71.53 70.40

The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

Sum Assured Band 1: ₹ 25,000 to ₹ 1,50,000

For Limited Pay Option

Policy Term 11 12 13 14 15 16 17 18 19 20 21
Premium Payment Term 6 7 8 9 10 11 12 13 14 15 16
Age : 18 178.12 153.65 134.34 119.78 109.11 98.94 90.81 82.69 74.76 68.33 62.96
19 178.28 153.73 134.43 119.87 109.20 99.03 90.88 82.79 74.84 68.48 63.16
20 178.52 153.80 134.49 119.94 109.27 99.09 91.00 82.86 74.93 68.65 63.34
21 178.70 153.83 134.57 119.99 109.33 99.18 91.06 82.94 75.01 68.81 63.67
22 178.89 153.86 134.61 120.08 109.39 99.23 91.11 83.02 75.08 68.92 63.79
23 178.97 153.89 134.65 120.12 109.44 99.29 91.17 83.09 75.16 69.03 63.90
24 179.11 153.92 134.68 120.16 109.48 99.34 91.25 83.17 75.28 69.12 64.04
25 179.31 153.96 134.73 120.21 109.53 99.40 91.32 83.27 75.37 69.21 64.14
26 179.45 154.01 134.82 120.27 109.62 99.46 91.41 83.38 75.49 69.48 64.26
27 179.62 154.08 134.89 120.35 109.73 99.54 91.52 83.52 75.64 69.62 64.41
28 179.70 154.21 134.98 120.46 109.84 99.66 91.67 83.70 75.81 69.87 64.78
29 179.92 154.33 135.11 120.57 109.94 99.82 91.84 83.89 76.04 70.08 65.00
30 180.04 154.50 135.23 120.71 110.12 99.96 92.04 84.12 76.44 70.44 65.36
31 180.23 154.68 135.39 120.87 110.27 100.11 92.27 84.38 76.78 70.98 65.89
32 180.39 154.78 135.50 121.02 110.43 100.31 92.51 84.70 77.09 71.28 66.23
33 180.51 154.88 135.65 121.23 110.64 100.51 92.81 85.01 77.61 71.83 66.66
34 180.55 155.05 135.84 121.47 110.89 100.77 93.18 85.39 78.14 72.37 67.29
35 180.92 155.40 136.21 121.77 111.24 101.12 93.61 85.88 79.10 73.26 67.98
36 181.05 155.73 136.50 122.11 111.59 101.49 94.09 86.45 79.90 73.99 68.88
37 181.29 156.09 136.87 122.54 112.02 101.92 94.64 87.36 80.97 75.02 69.89
38 181.59 156.53 137.35 122.98 112.49 102.46 95.29 88.63 82.19 76.23 70.99
39 182.05 157.11 137.87 123.54 113.04 103.04 95.99 89.68 82.69 77.48 72.20
40 182.58 157.72 138.52 124.14 113.71 103.75 96.81 90.19 82.94 77.86 72.82
41 183.28 158.50 139.33 124.90 114.48 104.55 97.72 90.33 83.11 78.60 73.21
42 184.09 159.40 140.20 125.79 115.40 105.44 98.75 91.31 84.06 78.72 73.94
43 185.02 160.44 141.26 126.84 116.43 106.46 99.88 92.54 84.25 78.97 74.32
44 186.15 161.63 142.46 128.12 117.68 107.59 101.17 92.68 84.84 79.12 74.81
45 187.96 163.18 143.95 129.57 119.19 108.96 102.62 92.97 85.70 79.31 75.06
46 189.49 164.74 145.50 131.13 120.77 110.57 104.50 93.32 86.91 79.45 77.28
47 191.26 166.49 147.29 132.90 122.60 112.38 104.71 93.82 87.79 79.83 79.38
48 193.03 168.33 149.14 134.81 124.52 114.38 105.07 94.06 87.92 81.25 80.49
49 194.95 170.35 151.28 136.93 126.73 116.60 106.61 95.15 89.36 82.70 82.47
50 197.47 172.75 153.70 139.29 129.14 119.11 108.67 97.66 91.25 84.68 83.78
51 199.87 175.18 156.24 141.87 130.09 119.60 110.02 98.95 92.57 86.82 85.99
52 202.06 177.63 158.92 143.63 130.68 120.62 111.98 102.18 94.88 89.10 87.03
53 204.40 180.28 159.27 144.73 131.40 122.01 112.70 105.01 97.01 91.33 89.38
54 207.00 180.37 159.92 145.49 132.92 122.81 114.42 107.64 100.41 94.79 91.27
55 207.21 180.41 160.70 146.00 133.92 124.30 116.03 109.45 102.85 96.68 92.40

The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

Sum Assured Band 2: ₹ 1,50,001 to ₹ 5,00,000

For Regular Pay Option

Policy Term 11 12 13 14 15 16 17 18 19 20 21
Premium Payment Term 11 12 13 14 15 16 17 18 19 20 21
Age : 18 99.36 89.15 83.93 78.00 74.57 68.85 65.56 60.76 56.60 52.82 49.66
19 99.59 89.40 84.12 78.13 74.80 69.06 65.87 60.88 56.71 52.99 49.82
20 99.82 89.86 84.30 78.34 75.14 69.22 65.93 60.97 56.76 53.07 49.87
21 100.05 90.04 84.67 78.53 75.25 69.31 66.04 61.15 56.95 53.21 49.94
22 100.28 90.50 84.76 78.65 75.36 69.52 66.14 61.29 57.11 53.27 50.00
23 100.51 91.25 84.97 78.82 75.42 69.69 66.26 61.38 57.26 53.40 50.10
24 100.74 91.44 85.29 78.97 75.53 69.84 66.37 61.49 57.47 53.52 50.17
25 100.97 92.09 85.50 79.12 75.61 69.97 66.43 61.53 57.58 53.61 50.25
26 101.20 92.26 85.65 79.36 75.65 70.13 66.50 61.63 57.81 53.68 50.31
27 101.43 92.45 85.87 79.57 75.74 70.36 66.57 61.78 57.98 53.82 50.45
28 101.78 92.69 85.99 79.78 75.86 70.78 66.63 61.94 58.10 53.97 50.56
29 101.90 92.88 86.14 80.09 75.89 71.00 66.71 61.99 58.22 54.14 50.64
30 102.01 93.00 86.38 80.31 76.04 71.20 66.79 62.14 58.45 54.21 50.82
31 102.09 93.16 86.59 80.49 76.13 71.34 66.83 62.35 58.62 54.32 50.97
32 102.21 93.42 86.75 80.62 76.24 71.53 66.91 62.54 58.74 54.64 51.38
33 102.34 93.46 86.84 80.73 76.30 71.64 67.25 62.71 58.78 55.00 51.50
34 102.45 93.77 86.95 80.89 76.45 71.75 67.49 62.88 58.89 55.89 52.03
35 102.50 94.00 87.00 81.00 76.50 71.80 67.65 63.66 60.05 56.40 52.50
36 102.62 95.86 87.06 81.05 78.09 71.91 68.12 63.78 60.14 56.64 53.04
37 102.66 95.97 87.17 81.09 78.21 72.04 68.56 63.88 60.34 56.98 53.25
38 102.78 96.11 87.33 81.13 78.33 72.15 68.97 64.35 60.45 57.45 53.60
39 102.87 96.20 87.89 83.97 78.47 72.38 69.64 64.89 60.95 57.71 54.17
40 103.02 96.31 88.12 84.11 78.65 72.79 70.23 65.52 61.53 58.16 55.11
41 103.20 96.38 88.35 84.15 78.90 72.91 70.80 66.12 62.35 59.00 55.98
42 103.27 96.47 88.41 84.26 79.21 73.09 71.45 66.95 63.03 59.57 56.64
43 103.42 96.57 88.86 84.32 79.39 73.32 72.34 67.86 63.91 60.44 57.45
44 103.88 96.63 89.20 84.39 79.50 73.66 73.56 68.74 64.86 61.34 58.39
45 104.80 96.70 89.26 85.00 79.55 73.90 73.75 69.74 65.95 62.45 59.56
46 105.89 96.73 89.38 85.23 80.00 74.01 73.99 70.56 66.17 63.65 60.88
47 106.00 96.80 89.52 85.44 80.12 74.97 74.08 70.89 66.75 64.30 61.67
48 106.46 96.83 89.75 85.76 80.46 75.86 74.21 71.05 67.10 64.58 62.45
49 106.76 98.12 89.96 86.04 80.57 77.10 74.56 71.19 67.19 64.78 63.70
50 107.00 99.01 92.54 87.00 82.45 78.56 74.89 71.24 67.34 65.03 64.00

The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

Sum Assured Band 2: ₹ 1,50,001 to ₹ 5,00,000

For Limited Pay Option

Policy Term 11 12 13 14 15 16 17 18 19 20 21
Premium Payment Term 6 7 8 9 10 11 12 13 14 15 16
Age : 18 169.64 145.64 126.74 111.94 101.03 91.19 82.55 75.17 67.96 62.12 57.24
19 169.79 145.72 126.82 112.03 101.11 91.27 82.62 75.26 68.04 62.25 57.42
20 170.02 145.78 126.88 112.09 101.18 91.33 82.73 75.33 68.12 62.41 57.58
21 170.19 145.81 126.95 112.14 101.23 91.41 82.78 75.40 68.19 62.55 57.88
22 170.37 145.84 126.99 112.22 101.29 91.46 82.83 75.47 68.25 62.65 57.99
23 170.45 145.87 127.03 112.26 101.33 91.51 82.88 75.54 68.33 62.75 58.09
24 170.58 145.90 127.06 112.30 101.37 91.56 82.95 75.61 68.44 62.84 58.22
25 170.77 145.93 127.10 112.35 101.42 91.61 83.02 75.70 68.52 62.92 58.31
26 170.90 145.98 127.19 112.40 101.50 91.67 83.10 75.80 68.63 63.16 58.42
27 171.07 146.05 127.25 112.48 101.60 91.74 83.20 75.93 68.76 63.29 58.55
28 171.14 146.17 127.34 112.58 101.70 91.85 83.34 76.09 68.92 63.52 58.89
29 171.35 146.28 127.46 112.68 101.80 92.00 83.49 76.26 69.13 63.71 59.09
30 171.47 146.45 127.58 112.81 101.96 92.13 83.67 76.47 69.49 64.04 59.42
31 171.65 146.62 127.73 112.96 102.10 92.27 83.88 76.71 69.80 64.53 59.90
32 171.80 146.71 127.83 113.10 102.25 92.45 84.10 77.00 70.08 64.80 60.21
33 171.91 146.81 127.97 113.30 102.44 92.64 84.37 77.28 70.55 65.30 60.60
34 171.95 146.97 128.15 113.52 102.68 92.88 84.71 77.63 71.04 65.79 61.17
35 172.30 147.30 128.50 113.80 103.00 93.20 85.10 78.07 71.91 66.60 61.80
36 172.43 147.61 128.77 114.12 103.32 93.54 85.54 78.59 72.64 67.26 62.62
37 172.66 147.95 129.12 114.52 103.72 93.94 86.04 79.42 73.61 68.20 63.54
38 172.94 148.37 129.58 114.93 104.16 94.43 86.63 80.57 74.72 69.30 64.54
39 173.38 148.92 130.07 115.46 104.67 94.97 87.26 81.53 75.17 70.44 65.64
40 173.89 149.50 130.68 116.02 105.29 95.62 88.01 81.99 75.40 70.78 66.20
41 174.55 150.24 131.44 116.73 106.00 96.36 88.84 82.12 75.55 71.45 66.55
42 175.32 151.09 132.26 117.56 106.85 97.18 89.77 83.01 76.42 71.56 67.22
43 176.21 152.08 133.26 118.54 107.81 98.12 90.80 84.13 76.59 71.79 67.56
44 177.29 153.20 134.40 119.74 108.96 99.16 91.97 84.25 77.13 71.93 68.01
45 179.01 154.67 135.80 121.09 110.36 100.42 93.29 84.52 77.91 72.10 68.24
46 180.47 156.15 137.26 122.55 111.82 101.91 95.00 84.84 79.01 72.23 70.25
47 182.15 157.81 138.95 124.21 113.52 103.58 95.19 85.29 79.81 72.57 72.16
48 183.84 159.55 140.70 125.99 115.30 105.42 95.52 85.51 79.93 73.86 73.17
49 185.67 161.47 142.72 127.97 117.34 107.47 96.92 86.50 81.24 75.18 74.97
50 188.07 163.74 145.00 130.18 119.57 109.78 98.79 88.78 82.95 76.98 76.16
51 190.35 166.05 147.40 132.59 120.45 110.23 100.02 89.95 84.15 78.93 78.17
52 192.44 168.37 149.92 134.23 121.00 111.17 101.80 92.89 86.25 81.00 79.12
53 194.67 170.88 150.25 135.26 121.67 112.45 102.45 95.46 88.19 83.03 81.25
54 197.14 170.97 150.87 135.97 123.07 113.19 104.02 97.85 91.28 86.17 82.97
55 197.34 171.00 151.60 136.45 124.00 114.56 105.48 99.50 93.50 87.89 84.00

The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

Sum Assured Band 3: ₹ 5,00,001 and above

For Regular Pay Option

Policy Term 11 12 13 14 15 16 17 18 19 20 21
Premium Payment Term 11 12 13 14 15 16 17 18 19 20 21
Age : 18 96.88 86.92 81.83 76.05 72.71 67.13 63.92 59.24 55.19 51.50 48.42
19 97.10 87.17 82.02 76.18 72.93 67.33 64.22 59.36 55.29 51.67 48.57
20 97.32 87.61 82.19 76.38 73.26 67.49 64.28 59.45 55.34 51.74 48.62
21 97.55 87.79 82.55 76.57 73.37 67.58 64.39 59.62 55.53 51.88 48.69
22 97.77 88.24 82.64 76.68 73.48 67.78 64.49 59.76 55.68 51.94 48.75
23 98.00 88.97 82.85 76.85 73.53 67.95 64.60 59.85 55.83 52.07 48.85
24 98.22 89.15 83.16 77.00 73.64 68.09 64.71 59.95 56.03 52.18 48.92
25 98.45 89.79 83.36 77.14 73.72 68.22 64.77 59.99 56.14 52.27 48.99
26 98.67 89.95 83.51 77.38 73.76 68.38 64.84 60.09 56.36 52.34 49.05
27 98.89 90.14 83.72 77.58 73.85 68.60 64.91 60.24 56.53 52.47 49.19
28 99.24 90.37 83.84 77.79 73.96 69.01 64.96 60.39 56.65 52.62 49.30
29 99.35 90.56 83.99 78.09 73.99 69.23 65.04 60.44 56.76 52.79 49.37
30 99.46 90.68 84.22 78.30 74.14 69.42 65.12 60.59 56.99 52.85 49.55
31 99.54 90.83 84.43 78.48 74.23 69.56 65.16 60.79 57.15 52.96 49.70
32 99.65 91.08 84.58 78.60 74.33 69.74 65.24 60.98 57.27 53.27 50.10
33 99.78 91.12 84.67 78.71 74.39 69.85 65.57 61.14 57.31 53.63 50.21
34 99.89 91.43 84.78 78.87 74.54 69.96 65.80 61.31 57.42 54.49 50.73
35 99.94 91.65 84.83 78.98 74.59 70.01 65.96 62.07 58.55 54.99 51.19
36 100.05 93.46 84.88 79.02 76.14 70.11 66.42 62.19 58.64 55.22 51.71
37 100.09 93.57 84.99 79.06 76.25 70.24 66.85 62.28 58.83 55.56 51.92
38 100.21 93.71 85.15 79.10 76.37 70.35 67.25 62.74 58.94 56.01 52.26
39 100.30 93.80 85.69 81.87 76.51 70.57 67.90 63.27 59.43 56.27 52.82
40 100.44 93.90 85.92 82.01 76.68 70.97 68.47 63.88 59.99 56.71 53.73
41 100.62 93.97 86.14 82.05 76.93 71.09 69.03 64.47 60.79 57.53 54.58
42 100.69 94.06 86.20 82.15 77.23 71.26 69.66 65.28 61.45 58.08 55.22
43 100.83 94.16 86.64 82.21 77.41 71.49 70.53 66.16 62.31 58.93 56.01
44 101.28 94.21 86.97 82.28 77.51 71.82 71.72 67.02 63.24 59.81 56.93
45 102.18 94.28 87.03 82.88 77.56 72.05 71.91 68.00 64.30 60.89 58.07
46 103.24 94.31 87.15 83.10 78.00 72.16 72.14 68.80 64.52 62.06 59.36
47 103.35 94.38 87.28 83.30 78.12 73.10 72.23 69.12 65.08 62.69 60.13
48 103.80 94.41 87.51 83.62 78.45 73.96 72.35 69.27 65.42 62.97 60.89
49 104.09 95.67 87.71 83.89 78.56 75.17 72.70 69.41 65.51 63.16 62.11
50 104.33 96.53 90.23 84.83 80.39 76.60 73.02 69.46 65.66 63.40 62.40

The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

Sum Assured Band 3: ₹ 5,00,001 and above

For Limited Pay Option

Policy Term 11 12 13 14 15 16 17 18 19 20 21
Premium Payment Term 6 7 8 9 10 11 12 13 14 15 16
Age : 18 165.40 142.00 123.57 109.14 98.50 88.91 80.49 73.29 66.26 60.57 55.81
19 165.55 142.08 123.65 109.23 98.58 88.99 80.55 73.38 66.34 60.69 55.98
20 165.77 142.14 123.71 109.29 98.65 89.05 80.66 73.45 66.42 60.85 56.14
21 165.94 142.16 123.78 109.34 98.70 89.12 80.71 73.52 66.49 60.99 56.43
22 166.11 142.19 123.82 109.41 98.76 89.17 80.76 73.58 66.54 61.08 56.54
23 166.19 142.22 123.85 109.45 98.80 89.22 80.81 73.65 66.62 61.18 56.64
24 166.32 142.25 123.88 109.49 98.84 89.27 80.88 73.72 66.73 61.27 56.76
25 166.50 142.28 123.92 109.54 98.88 89.32 80.94 73.81 66.81 61.35 56.85
26 166.63 142.33 124.01 109.59 98.96 89.38 81.02 73.91 66.91 61.58 56.96
27 166.79 142.40 124.07 109.67 99.06 89.45 81.12 74.03 67.04 61.71 57.09
28 166.86 142.52 124.16 109.77 99.16 89.55 81.26 74.19 67.20 61.93 57.42
29 167.07 142.62 124.27 109.86 99.26 89.70 81.40 74.35 67.40 62.12 57.61
30 167.18 142.79 124.39 109.99 99.41 89.83 81.58 74.56 67.75 62.44 57.93
31 167.36 142.95 124.54 110.14 99.55 89.96 81.78 74.79 68.06 62.92 58.40
32 167.51 143.04 124.63 110.27 99.69 90.14 82.00 75.08 68.33 63.18 58.70
33 167.61 143.14 124.77 110.47 99.88 90.32 82.26 75.35 68.79 63.67 59.09
34 167.65 143.30 124.95 110.68 100.11 90.56 82.59 75.69 69.26 64.15 59.64
35 167.99 143.62 125.29 110.96 100.43 90.87 82.97 76.12 70.11 64.94 60.26
36 168.12 143.92 125.55 111.27 100.74 91.20 83.40 76.63 70.82 65.58 61.05
37 168.34 144.25 125.89 111.66 101.13 91.59 83.89 77.43 71.77 66.50 61.95
38 168.62 144.66 126.34 112.06 101.56 92.07 84.46 78.56 72.85 67.57 62.93
39 169.05 145.20 126.82 112.57 102.05 92.60 85.08 79.49 73.29 68.68 64.00
40 169.54 145.76 127.41 113.12 102.66 93.23 85.81 79.94 73.52 69.01 64.55
41 170.19 146.48 128.15 113.81 103.35 93.95 86.62 80.07 73.66 69.66 64.89
42 170.94 147.31 128.95 114.62 104.18 94.75 87.53 80.93 74.51 69.77 65.54
43 171.80 148.28 129.93 115.58 105.11 95.67 88.53 82.03 74.68 70.00 65.87
44 172.86 149.37 131.04 116.75 106.24 96.68 89.67 82.14 75.20 70.13 66.31
45 174.53 150.80 132.41 118.06 107.60 97.91 90.96 82.41 75.96 70.30 66.53
46 175.96 152.25 133.83 119.49 109.02 99.36 92.63 82.72 77.03 70.42 68.49
47 177.60 153.86 135.48 121.10 110.68 100.99 92.81 83.16 77.81 70.76 70.36
48 179.24 155.56 137.18 122.84 112.42 102.78 93.13 83.37 77.93 72.01 71.34
49 181.03 157.43 139.15 124.77 114.41 104.78 94.50 84.34 79.21 73.30 73.10
50 183.37 159.65 141.38 126.93 116.58 107.04 96.32 86.56 80.88 75.06 74.26
51 185.59 161.90 143.72 129.28 117.44 107.47 97.52 87.70 82.05 76.96 76.22
52 187.63 164.16 146.17 130.87 117.98 108.39 99.26 90.57 84.09 78.98 77.14
53 189.80 166.61 146.49 131.88 118.63 109.64 99.89 93.07 85.99 80.95 79.22
54 192.21 166.70 147.10 132.57 119.99 110.36 101.42 95.40 89.00 84.02 80.90
55 192.41 166.73 147.81 133.04 120.90 111.70 102.84 97.01 91.16 85.69 81.90

The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

You may enhance your protection under this Plan by opting for the following rider(s):
  • Bharti AXA Life Hospi Cash Rider (UIN:130B007V03): This rider allows payment of a fixed benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery.
  • Bharti AXA Life Accidental Death Benefit Rider (UIN:130B008V02): This is a non-linked and regular pay rider that provides 100% Sum Assured in case of death of the life insured due to an accident subject to the rider policy being in-force.

    Please refer to the rider brochure for complete details on terms and conditions and exclusions before opting for the rider. Riders are optional and are available at an extra cost.