Bharti AXA Life eProtect(UIN: 130N052V03)

A simple and affordable online Term Plan that protects your family, should something unfortunate ever happen to you.


  • When your family is financially dependent on you.

    Protect and safeguard your family from sudden events by always being prepared.

  • Need a sufficient Sum Assured to take care of your liabilities or loans in case of any eventuality.

    An amount equal to the Sum Assured will be paid as a Life Insurance benefit to your nominee.

  • Easy affordable Premiums.

    Convenient and affordable to buy.

  • Enjoy Tax benefits on the Premiums paid and pay-out benefits received.

    The Tax benefits fall under Income Tax Act, 1961. They are subject to change as per change in tax laws from time to time.

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Who can buy?


Life Insurance Benefits and other terms related to the term insurance plan

Parameter Eligibility Criteria
Minimum age at entry 18 years for all terms except To Age 70 and To Age 75 years. 40 years for To Age 70 and To Age 75 years.
Maximum age at entry
Available Term Maximum Age
10 65 years
15 60 years
20 55 years
25 50 years
30 45 years
To Age 60 50 years
To Age 65 55 years
To Age 70 60 years
To Age 75 65 years
Minimum sum Assured ` 2,500,000/-
Death Benefit Sum Assured
Policy Term 10, 15, 20, 25, 30, To Age 60, To Age 65,
To Age 70 and To Age 75 years.
Premium Payment Term Same as policy Term
Premium Payment Modes Annual & Semi Annual modes
More Details


A Cover of Rs. 1 Cr for Rs. 6100*

Affordable life insurance premium rates: You can get yourself insured at affordable premium rates with this life insurance term policy


A Unique Family Care Benefit

Life Insurance Benefit:

The life insurance coverage that you get ensures that incase of an unfortunate death of the Life Insured, an amount equal to sum assured will be paid as a life insurance benefit to the nominee

Family Care Benefit as part of the life insurance benefit:

Unfortunate events come unannounced and during this time of distress your family could require contingency support. Family Care Benefit, is a unique proposition through which, a part of the life insurance benefit i.e. Rs 100,000 is paid as a lump sum to the nominee in case of death of the life insured, within 48 hours** of submission of all relevant claim documents. This term life insurance benefit is paid subject to the policy being in force and the premiums for 2 consecutive term insurance policy years from the date of issuance or the date of latest reinstatement have been paid.


Reward for Non Smokers

Reward for non-smokers, premium discounts on the term insurance policy: You will be eligible for special rates if you are a non-smoker and you have applied for a life insurance benefit (sum assured) in excess of Rs 5,000,000. This gives better value for money for non-smokers when it comes to the life insurance premium that they pay.


Hassle Free Process

Hassle Free process of buying a term insurance policy: Now get the advantage of Life Insurance cover at the click of a button. Bharti AXA Life eProtect offers you convenience at your finger tips, as you can buy this term insurance plan online to save the time and effort that would have been required otherwise.


Tax Benefits

Tax benefits along with life insurance: Apart from the life insurance benefit with this term insurance plan, you can avail the tax benefits on the premiums paid and the benefits received subject to the prevailing provisions under Income Tax Act, 1961. The tax benefits are subject to change as per change in Tax laws from time to time. So in addition to the life insurance coverage you also get to save tax.

Calculate Premium

Sample Premiums for eProtect

Calculate Your Premium

Sample premium for Rs. 1 crore for a healthy male

Premium for Sum Assured of ` 1 Crore
Age (Yrs) Term (Yrs)
10 20 30
25 ` 6,100 ` 6,100 ` 6,400
30 ` 6,800 ` 7,000 ` 7,300
35 ` 8,700 ` 9,300 ` 9,700
40 ` 12,200 ` 13,500 ` 14,700


You may enhance your protection under this Plan by opting for the following rider(s):

  • Bharti AXA Life Accidental Death Benefit Rider(UIN:130B008V01): 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.

  • Bharti AXA Life Hospi Cash Rider (UIN:130B007V02): 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.

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.



The insurance industry is getting digitally savvy giving policyholders the comfort of buying and managing their policy and that too at lower costs.

Expert Review

A regulatory clause makes it mandatory for life insurers to offer guaranteed returns to all its subscribers.