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Bharti AXA Life eProtect Plus Plan

What is the Plan all About?

eProtect+ is an online term insurance Plan that offers protection for  your family at an affordable Premium rate.This plan provides you the assurance of providing regular monthly income for 15 years to your family in your absence to take care of their regular monthly needs. Also, this plan provides you the assurance of opting between another option where  the Co. gives lump sum pay out to the nominee as 50% of the Sum Assured and the remaining 50% of Sum assured in the form of annual income basis in increasing installments to take care of your family’s regular financial needs in your absence.


Bharti AXA Life understands your needs and provides you the plan to safeguard the financial protection of your loved ones in your absence. Bharti AXA Life presents  eProtect + plan which is a simple, hassle-free, online term insurance plan that guarantees the complete financial protection for your family at the lowest cost in the event of your unfortunate demise. Buying this online term plan is easy and quick.

What are the Key Features?

An affordable online Term Plan

Provide Life insurance benefit with regular monthly income for 15 years to your family

An option to take the death benefit as a lump sum

Provide Life insurance benefit with 50 % Lump sum payout and an increasing income benefit

Premium Discounts for non-smokers

Hassle free buying and quick Policy Issuance

What are the Plan benefits?

  • Death Benefit

In the event of an unfortunate death of the Life Insured, there are two death benefit options (which can be chosen by the policyholder at the inception of the policy) which serves as a financial indemnification to the nominee.

1. Death Benefit OPTION 1- Level Monthly Income Benefit:

  • Sum Assured payout will be in the form of  Monthly Income for 15 years, which will be given out to the nominee. The amount of monthly income does not increase during the deferment period. The monthly income is initiated on the death of the life insured and  begins from the date of intimation of death, subject to claim acceptance.

2. Death Benefit OPTION 2- Lump sum & Increasing Monthly Income:

  • In  the event of an unfortunate death of the Life Insured, lump sum payout equal to 50% of the Sum Assured is paid out to the nominee on acceptance of death claims.
  • The remaining  50% Sum Assured is paid out on a yearly basis as an increasing monthly income benefit spread over a tenure of 10 years basis the claim is accepted. The annual payout will be Rs. 4.52 per Rs. 100 of the Sum Assured and will increase by 10% (Compounding) each year till the end of the 10th year.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 18 Years 65 Years
Age at Maturity - 75 Years
Policy Tenure 10 Years 0 Years
Premium Paying Term Same as Policy Term Years Years
Premium Paying Mode Semi Annually & Annually
Sum Assured 32 Lacs No Limit (subject to underwriting)
Maturity Proceeds


Plan Type Online

Is any Rider Available with this Plan?

There are no riders benefits  available with this plan.

Premium Illustration

Sample illustration of the Premium Amount for an individual of age 25, 30 and 35 years, opting for a Life Cover of Rs 50 lacs or Rs 1 crore as Sum Assured and 25 years as Policy Tenure.



25 years

30 years

35 years

Sum assured = Rs. 1 crore

Rs. 12,200

Rs. 13,800

Rs. 17,800

Sum assured = Rs. 50 lacs

Rs. 6,100

Rs. 6,900

Rs. 8,900


(Note: Premium amount is for a non smoker individual keeping good health conditions at the time of buying this insurance plan)

Is the Plan, eligible for Tax Benefit?

eProtect+ plan is eligible for Tax benefits as stated:

  • Premiums paid qualify for tax benefits as per Section 80C of the Income Tax Act,1961.
  • Death benefit(s) are entitled for tax benefits as per Section 10 (10D) of the Income Tax Act.

(Subject to the provision stated therein.)