1
5% Discount applicable for customer's first individual life insurance policy on the life of the LA, applicable only on first year’s premium. 5% Discount for salaried employees, applicable only on first year’s premium. 6% Discount on online purchase is available for regular premium payment and limited premium payment frequency on first year's premium.
4
Above illustration is for Bajaj Allianz Life eTouch II- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N198V01) considering Male aged 23 years | Non-Smoker Preferred | Annual Income =>Rs. 15,00,000 per annum | Indian Resident | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 7,159. 2nd Year onwards premium is Rs. 7,760. Total Premium is Rs. 2,32,199 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage : 40, Income Payout Percentage : 60). Income payout instalment opted for 40 years | Premium shown above is inclusive of Online Discount only, no other discounts have been considered and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com ) carefully before concluding a sale.
5
Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy. Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.
2
Get Free Health Management Services upto ₹ 31,000 per year
Health Management Services
|
Frequency
|
Cost (₹)
|
|---|
Doctor Insta-Consultations
|
3 consultations per month = 36 consultations per year
|
Average cost per session = ₹ 500
Total cost per year = ₹ 500 * 36 = ₹ 18,000
|
Health Coach
(Diet & nutrition consultations)
|
1 consultation per month =
12 consultations per year
|
Average cost per session = ₹ 500
Total cost per year = ₹ 500 * 12 = ₹ 6,000
|
Emotional Wellness
(Psychologists consultations)
|
1 consultation per month =
12 consultations per year
|
Average cost per session = ₹ 500
Total cost per year = ₹ 500 * 12 = ₹ 6,000
|
Network discounts:
Medicines (M) - 10%
Lab-test booking (L) - 10%
|
Throughout the year
|
Assumption –
Total
expense on these
services throughout
the year
|
Total discounts that can be availed
throughout the year
|
M - ₹ 5,000
|
₹ 500
|
L - ₹ 5,000
|
₹ 500
|
Total per year as per assumption
|
₹ 31,000
|
Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.
Doctor Insta-Consultations and Health Coach Services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.
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Through Parental Care Option available in Bajaj Allianz Life Family Protect Rider (UIN:116B056V01)
11
Loyalty additions are payable only for premium of INR 5 lacs & above and wherein the policy term is 10 years & above
10
Considering assumed investment return@8% in the above illustration.
Assumed Investment return on 20
th
Policy Year
|
CAGR
1
|
|---|
₹1,12,13,273
|
8%
|
₹67,27,659
|
4%
|
1
The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.
7
Above illustration is for Bajaj Allianz Life iSecure - A Non-Linked Non-Participating Term Life Insurance Plan (UIN:116N109V05) considering Male aged 25 years | Non-Smoker | Policy Term (PT) – 10 years | Premium Payment Term (PPT) – 10 years | Sum Assured opted is ₹ 50,00,000 | Online Channel | Standard Life | Total Premium Paid is ₹ 1,17,340 | Medical Rates | Monthly Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.
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If the customer is digitally KYC compliant and meets the eligibility criteria, medical, and underwriting norms.
9
2% Discount on online purchase is available for regular premium payment and limited premium payment frequency throughout the premium payment term.
13
Mortality Charges deducted are returned at the end of the policy term, by way of Loyalty Advantage added to your Fund Value.
14
Loyalty additions & Fund Maintenance Booster are subject to policy terms and conditions
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Please refer to Bajaj Allianz Life Linked Accident Protection Rider (UIN: 116A055V02) sales literature or visit the insurance company’s website or consult your insurance consultant for more details and eligibility condition.
12
Considering assumed investment return@8% in the above illustration.
Assumed Investment return on 20
th
Policy Year
|
CAGR
1
|
|---|
₹99,13,515
|
8%
|
₹59,32,998
|
4%
|
1
The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.
16
Loyalty Addition: Loyalty Addition will be allocated at the end of 5th policy year starting from 10th policy year
17
Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors for more details, please refer to sales brochure.
18
Conditions Apply – The guaranteed benefits are dependent on the purchase price & annuity option chosen. For more details, please refer to sales brochure.
19
Retired Life Income by way of Systematic Partial withdrawal, if opted for. Retired Life Income may be eligible for tax benefits as per extant Income Tax Act, subject to the provision stated therein.
21
HSAR – High Sum Assured Rebate is subject to policy terms and conditions
22
Premium rate applicable to female life will be based on the premium rate of 3 years’ younger male
23
Features and benefits mentioned above are dependent upon annuity option chosen
24
Return of Purchase Price (ROP) - The Purchase Price is the Single Premium paid excluding any GST/any other tax as may be applicable from time to time
25
Fund booster is based on prevailing Annualized Premium at the time of addition of fund booster
26
The Purchase Price is the single Premium or the sum of all regular/limited Premiums paid (including in a paid-up policy); excluding any GST/any other tax as may be applicable from time to time
27
Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.
28
Loyalty Addition: Loyalty Addition will be allocated at the end of 5th policy year starting from 10th policy year provided all due regular premiums have been paid up to date.
~~
As on 31st January, 2025
*
Number of Individual Death claims paid from FY 2006-07 to 31st March 2025
Product of the Year - Source -
https://www.businesswireindia.com/product-of-the-year-announces-2024-winners-consumers-recognize-innovation-90443.html
This advertisement is designed for combination of Benefits of two individual products named (1) Bajaj Allianz Life Goal Assure IV - A Unit- Linked NonParticipating Individual Life Savings Insurance Plan (UIN: 116L204V01). (2) Bajaj Allianz Life POS Goal Suraksha - A Non Linked, Non Participating, Individual, Life Insurance Savings Plan (UIN: 116N155V13).These products are also available for sale individually without the combination offered/ suggested. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale
^
Conditions apply. The Guaranteed benefits are dependent on the policy terms, premium payment terms availed along with other variable factors. For more details please refer respective product sales brochure.
%
market linked returns benefit is available for Bajaj Allianz Life Goal Assure IV
#
For Premiums of ₹ 10 Lakhs and above
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Loyalty Additions is subject to policy terms and conditions.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.
ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility
* Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details please refer to sales brochure.
**Past performance is not indicative of future performance.
*
Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy
Bajaj Allianz Life Insurance Company Limited, Bajaj Allianz Life eTouch II, Bajaj Allianz Life New Critical Illness Benefit Rider and Bajaj Allianz Life Family Protect Rider are the names of the company and the product/rider respectively and do not in any way indicate the quality of the product/rider and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochure & policy document of base product and rider carefully before concluding a sale or consult your “Insurance Consultant” for more details and eligibility conditions. Bajaj Allianz Life Superwoman Term comprises of Bajaj Allianz Life eTouch II – Life Shield variant (UIN:116N198V03) a Non-linked Non- Participating Individual Life Insurance Term Plan, Bajaj Allianz Life New Critical Illness Benefit Rider – Comprehensive option (UIN: 116B058V01) a Non-Linked, Non-Participating, Individual, Pure Risk Health Rider (this is a mandatory rider) and Bajaj Allianz Life Family Protect Rider – Child Care option (UIN: 116B056V01) - a Non-linked, Non-participating, Individual, Pure Risk Health Rider (this is an optional rider).
Bajaj Allianz Life eTouch II is also available individually for sale without the riders or with the other available riders options under the base policy.
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Available with Bajaj Allianz Life Family Protect Rider – Child Care option - A Lumpsum benefit equal to 105% of Total premiums paid
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w.r.t rider will be paid on the earliest occurrence of death or Accidental Total Permanent Disability, plus a monthly income as a percentage (0.1% to 0.5%) of Rider Sum Assured as opted at inception will be paid until child turns Age 25.
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Total Premiums Paid: Total Premiums paid till date w.r.t. the rider option shall be the total of all premiums received under the rider option chosen, exclusive of taxes, extra premium w.r.t. the rider, if any. This is an optional rider.
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Available with Bajaj Allianz Life New Critical Illness Benefit Rider - Comprehensive option (UIN: 116B058V01) - A Non-Linked, Non-Participating, Individual, Pure Risk Health Rider. This is a mandatory rider
^^^
Health Management Services for Women upto ₹ 36,500 per year
Health Management Services for Women
|
Frequency
|
Cost (₹)
|
|---|
Comprehensive Health Check-Up:
- Cancer Screening
- Diabetic, Thyroid, Lipid profile tests
- Calcium Serum test
- Complete Blood Count test
|
1 per year
|
₹ 3,500
|
OPD
*^*
in-clinic consultations
(Specialist doctors like Gynaecologist, Obstetrician, Dermatologist, Paediatrician, Orthopaedic & General Physician)
*^*
OPD – Outpatient Department
|
1 per year
|
₹ 1,000
|
Pregnancy OPD*^* wallet
(OPD*^* benefit worth ₹ 2,000 unlocked in case of pregnancy)
|
Once during policy term
|
Not considered in yearly cost since this is available once during policy term
|
Doctor Insta-Consultations
|
3 consultations per month = 36 consultations per year
|
Average cost per session = ₹ 500
Total cost per year = ₹ 500 * 36 = ₹ 18,000
|
Health Coach
(Diet & nutrition consultations)
|
1 consultation per month =
12 consultations per year
|
Average cost per session = ₹ 500
Total cost per year = ₹ 500 * 12 = ₹ 6,000
|
Emotional Wellness
(Psychologists consultations)
|
1 consultation per month =
12 consultations per year
|
Average cost per session = ₹ 500
Total cost per year = ₹ 500 * 12 = ₹ 6,000
|
Network discounts:
Medicines (M) - 10%
Lab-test booking (L) - 10%
Out-patient consultation (O) - 10%
In-patient consultation (P) - 5%
|
Throughout the year
|
Assumption –
Total
expense on these
services throughout
the year
|
Total discounts that can be availed
throughout the year
|
M - ₹ 5,000
|
₹ 500
|
L - ₹ 5,000
|
₹ 500
|
O - ₹ 5,000
|
₹ 500
|
P - ₹ 10,000
|
₹ 500
|
Total per year as per assumption
|
₹ 36,500
|
Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.
Doctor insta consultations and health coach services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.
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