How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

Are there any add-ons available with Bajaj Life eTouch?

Yes – Bajaj Life eTouch offers a variety of optional riders including Accidental Death Benefit, Accidental Permanent (Total/Partial) Disability Rider, Critical Illness Rider, Premium Waiver (for ATPD/TI), Return of Premium Rider, Family Income Benefit Rider, Guaranteed Insurability Rider, Long‑Term Care Rider, Accelerated Death Benefit Rider, Income Benefit Rider, and more depending on the variant

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Term Insurance

Bajaj Life E Touch

Compare Bajaj Life E Touch benefits, exclusions, ratings and related variants in one place.

4.32

Solvency

99.23

ICR

18.38

Growth

58,011.75

AUM

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

4.32

Solvency

99.23

ICR

18.38

Growth

58,011.75

AUM

About

About Bajaj Life E Touch

The Bajaj Life eTouch is a non-linked, non-participating individual life insurance term plan designed to provide comprehensive financial protection against life's uncertainties. This plan offers coverage for death, terminal illness, and disability, ensuring that your loved ones are financially secure in unforeseen circumstances. Policyholders have the flexibility to choose premium payment terms that suit their financial planning, including options to pay throughout the policy term, for a limited number of years, or until retirement age (60 years). A notable feature of this plan is the Premium Holiday option, which allows you to skip premium payments for 1, 2, or 3 years during the premium payment term without compromising your coverage. Additionally, the plan provides tax benefits as per prevailing tax laws.

About Company

About Bajaj Life Insurance Limited

Bajaj Life Insurance is a leading private life insurance company in India, formed as a joint venture between Bajaj Finserv Limited and founded in August 2001 in Pune headquarters. Known for its strong claim settlement ratio and innovative products, the company emphasizes customer-centric solutions with features like flexible premiums, rider options, and online services. Bajaj combines the financial expertise with the trust and legacy of Bajaj Group, making it a preferred choice for long-term financial security. The managing director and CEO of Bajaj Life is Mr Tarun Chugh.

Testimonials

Bajaj Life Insurance Limited Customer Testimonials

Customer feedback and experiences.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Life Insurance Limited

Terminal Illness

If the Sum Assured chosen is less than or equal to 2 crores (i.e. maximum TI Sum Assured), the company will pay the Sum Assured on TI, and the policy will terminate Or if the Sum Assured chosen is greater than 2 crores, the company will pay Rs 2 crores and the policy will continue with the balance Sum Assured on Death, i.e. (Sum Assured less 2 crores) with the waiver of future premiums. This balance Sum Assured on Death will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.

Zero Cost Option

Available under Life Shield & Life Shield Plus variants.

Total Permanent Disability Payout

If the insured suffers Accidental Total Permanent Disability (ATPD), future premiums are waived off, and life cover continues.

Inflation Protection Coverage

Policyholders can increase their sum assured at major life events like marriage, childbirth, home loan, or education loan.
Maximum 100% increase over the original sum assured is allowed.

Premium Payment Customizations

In Limited Premium, the Premium Payment Terms available are 5 Pay, 6 Pay, 10 Pay, 12 Pay, 15 Pay, 20 Pay and Pay till Age 60 In Limited Premium, PPTs are subject to maximum PPT cessation age of 75 years
Life Stage Benefit: This feature allows policyholders to increase their sum assured upon significant life events, such as marriage or the birth/adoption of a child, ensuring coverage adapts to changing responsibilities.

Terminal Illness

If the Sum Assured chosen is less than or equal to 2 crores (i.e. maximum TI Sum Assured), the company will pay the Sum Assured on TI, and the policy will terminate Or if the Sum Assured chosen is greater than 2 crores, the company will pay Rs 2 crores and the policy will continue with the balance Sum Assured on Death, i.e. (Sum Assured less 2 crores) with the waiver of future premiums. This balance Sum Assured on Death will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.

Zero Cost Option

Available under Life Shield & Life Shield Plus variants.

Total Permanent Disability Payout

If the insured suffers Accidental Total Permanent Disability (ATPD), future premiums are waived off, and life cover continues.

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Exclusions

Self-inflicted injuries, including intentional self-harm, are excluded.
Disabilities or conditions arising due to alcohol or drug abuse will not be covered.
Injuries or disabilities resulting from participation in hazardous or dangerous activities are excluded.
Conditions arising due to involvement in criminal or unlawful activities will not be covered.
Specific exclusions apply under the Accidental Permanent Total Disability (APTD) benefit, as detailed in the policy document.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

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Things to Remember

Keep KYC documents and nominee details ready before purchase.

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Renewal steps and key points.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.