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 Grameen Jeevan Bima Yojana?

The Grameen Jeevan Bima Yojana is a basic term insurance plan and does not offer additional riders or add-ons. It focuses on providing affordable life coverage without optional enhancements.

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Term Insurance

Bharti AXA Grammen Jeevan Bima

Compare Bharti AXA Grammen Jeevan Bima benefits, exclusions, ratings and related variants in one place.

1.62

Solvency

99.03

ICR

-0.42

Growth

14,029.56

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

1.62

Solvency

99.03

ICR

-0.42

Growth

14,029.56

AUM

About

About Bharti AXA Grammen Jeevan Bima

Bharti AXA Grammen Jeevan Bima Yojna is a life insurance plan designed to provide financial security to individuals in rural and semi-urban areas. Offering coverage from ₹50,00,000, it ensures long-term protection with flexible policy terms ranging from 5 to 99 years. The plan allows premium payment through Single, Limited, or Regular Pay options with monthly, half-yearly, or yearly frequencies. It covers Indian residents and NRIs, providing benefits such as accidental death coverage, critical illness riders, and total permanent disability payouts.

About Company

About Bharti AXA Life Insurance

Bharti was founded in 1976, by Sunil Bharti Mittal. The company has started its journey in the business of manufacturing bicycle parts. It has evolved into one of the most prominent conglomerates in business groups in India. The group has created world class businesses such as telecommunications, insurance, food. Bharti AXA life insurance is a joint venture between Bharti enterprises and AXA was established in 2006, the joint venture focuses on offering a variety of policies including traditional, term, unit linked and saving plans.Bharti AXA General insurance: It is another entity under the joint venture focusing on general insurance products such as health, travel and home insurance.

Testimonials

Bharti AXA Life Insurance 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 Bharti AXA Life Insurance

Death Benefit

In case of death of the Life Insured during the policy term, provided the policy is in force and all due premiums have been paid till the date of death, the Death Benefit will be payable to the nominee/beneficiary immediately on the death.

Maturity Benefit

Pure Protection Plan option: In case the Life Insured survives till the maturity of the policy and all premiums are duly paid, no Maturity Benefit is payable. The Sum Assured on Maturity is zero under this option and hence no benefit shall be payable to the Policyholder.
Protection with Return of Premium option: In case the Life Insured survives till the maturity of the policy and all premiums are duly paid, Sum Assured on Maturity is payable. The Sum Assured on Maturity is equal to 100% of the premiums paid (exclusive of taxes) till the end of the policy term.

Tax Benefits

You may be eligible for tax benefits on the premiums paid as well as the benefits received as per the prevailing tax laws. The tax benefits are subject to change as per change in tax laws from time to time.

Death Benefit

In case of death of the Life Insured during the policy term, provided the policy is in force and all due premiums have been paid till the date of death, the Death Benefit will be payable to the nominee/beneficiary immediately on the death.

Maturity Benefit

Pure Protection Plan option: In case the Life Insured survives till the maturity of the policy and all premiums are duly paid, no Maturity Benefit is payable. The Sum Assured on Maturity is zero under this option and hence no benefit shall be payable to the Policyholder.
Protection with Return of Premium option: In case the Life Insured survives till the maturity of the policy and all premiums are duly paid, Sum Assured on Maturity is payable. The Sum Assured on Maturity is equal to 100% of the premiums paid (exclusive of taxes) till the end of the policy term.

Tax Benefits

You may be eligible for tax benefits on the premiums paid as well as the benefits received as per the prevailing tax laws. The tax benefits are subject to change as per change in tax laws from time to time.

Exclusions

Death due to suicide within the first policy year is excluded, with a limited refund of premiums as per policy terms.
Pre-existing illnesses or conditions before policy issuance may not be covered.
Death or disability due to participation in hazardous activities like adventure sports, racing, or extreme professions is excluded.
Claims arising from war, terrorism, civil unrest, or military service are not covered.
Death due to drug abuse, alcohol consumption, or substance misuse is excluded.
Self-inflicted injuries or intentional harm leading to death or disability are not covered.
Death caused by criminal activities or unlawful acts is excluded.
Participation in aviation or flying activities other than as a fare-paying passenger is not covered.

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Claim Settlement Process

Steps and flow followed by the insurer.

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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.