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I have read and understood the entire text, features, disclosures, benefit illustration and terms and conditions of the product. By submitting the details, I override my NDNC registration and agree to be contacted by Bharti AXA life through call, e-mail, SMS or WhatsApp


Disclaimers

    • Bharti AXA Life Insurance is the name of the Company and Bharti AXA Life Shining Stars is only the name the traditional non-participating life insurance policy and does not in any way represent or indicate the quality of the policy or its future prospects •This product brochure is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy bond
    •Life Insurance Coverage is available under this policy
    •Riders are optional and available at an extra cost
    •Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time
    Bharti AXA Life Insurance Company Limited, IRDAI Registration No.: 130 Registered Office: Unit No. 1904, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
    UIN: 130N095V03, Advt. No. II-Jan-2019-1785 CIN: U66010MH2005PLC157108

    Terms and conditions

    Free-look option
    The Policyholder has a period of 15 days from the date of receipt of the policy document in case of offline policy and within 30 days of receipt of the Policy in case of Policy sourced through distance marketing (i.e. online sales) to review the terms and conditions of the policy and if Policyholder disagrees with any of the terms and conditions of the Policy, there is an option to return the original Policy along with a letter stating reasons for objection. The Policy will accordingly be cancelled and the policyholder shall be entitled to a refund of the Premium paid, subject only to a deduction of a proportionate risk premium for the period on cover and the expenses incurred by the Company on medical examination of the proposer and the stamp duty charges. All rights under this Policy shall stand extinguished immediately on cancellation of the Policy under the free look option.
    If the Policy is opted through Insurance Repository (IR), the computation of the said Free Look Period will be as stated below:-
    For existing e-Insurance Account
    For the purpose of computation of commencement of free look period, the date of delivery of email confirming the credit of the insurance policy by IR shall be reckoned as the starting date of 15 days period.
    For New e-Insurance Account
    If an application for e-Insurance Account accompanies the proposal for insurance, the date of receipt of the ‘welcome kit’ from the IR with the credentials to log on to the e-Insurance Account(e IA) or the delivery date of the email confirming the grant of access to the eIA or the delivery date of the email confirming the credit of the Insurance policy by the IR to the eIA, whichever is later shall be reckoned for the purpose of computation of the free look period.
    Suicide
    • If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of inception of the Policy, the nominee (s) or beneficiary will be entitled to at least 80% of the premiums paid till the date of death.
    •If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of revival of the Policy, the nominee (s) or beneficiary of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.