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.

Does Bharti AXA Flexi Term Pro cover accidental death?

Yes, the plan offers an optional Accidental Death Benefit Rider, providing an additional payout if death occurs due to an accident.

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Term Insurance

Bharti AXA Flexi Term Pro

Compare Bharti AXA Flexi Term Pro 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 Flexi Term Pro

The Bharti AXA Life Flexi Term Pro offers customizable term insurance with two options: Without Return of Premium (flexible life cover, whole life up to 99 years) and With Return of Premium (refund of total premiums on survival). Policyholders can increase coverage over time and add riders like Hospital Cash Rider (fixed daily hospitalization benefit) and Premium Waiver Rider (waives future premiums for critical illness). This plan provides flexible, lifelong protection, adapting to individual life stages and evolving financial needs.

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

Terminal Illness

If the policyholder is diagnosed with a terminal illness, an advance payout of the sum assured may be provided to help with medical and living expenses.

Zero Cost Option

Under certain conditions, if the policyholder survives the policy term, they may receive a refund of premiums paid, effectively making the coverage cost-free.

Total Permanent Disability Payout

In the event of total and permanent disability, the policy may provide a payout to support the insured during a period of financial instability.

Inflation Protection Coverage

The sum assured may be increased periodically to account for inflation, ensuring the policyholder's family receives adequate financial protection.

Premium Payment Customizations

The policy allows flexibility in premium payment options, including single pay, limited pay, and regular pay, catering to different financial planning needs.

Terminal Illness

If the policyholder is diagnosed with a terminal illness, an advance payout of the sum assured may be provided to help with medical and living expenses.

Zero Cost Option

Under certain conditions, if the policyholder survives the policy term, they may receive a refund of premiums paid, effectively making the coverage cost-free.

Total Permanent Disability Payout

In the event of total and permanent disability, the policy may provide a payout to support the insured during a period of financial instability.

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Exclusions

Death due to participation in hazardous activities or adventure sports.
Death resulting from the consumption of alcohol or drugs not prescribed by a medical practitioner.
Death due to pre-existing conditions not disclosed at the time of policy inception.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

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Insurance Premium Calculator

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How to Buy

Purchase flow from OneAssure.

Things to Remember

Keep KYC documents and nominee details ready before purchase.

Renewal

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.