Claim Settlement Ratio of 99.23% ~

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Term Insurance

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

New Fund Offer @ ₹10 NAV*
Bajaj Allianz Life Presents Nifty 200 Alpha 30 Index Pension Fund under Bajaj Allianz Life Smart Pension
SFIN: ULIF010217/04/25N200A30PEN116
Term Insurance Available @ ₹10NAV*, valid till 30th May 2025
Term Insurance Starting from ₹1,000/ Month¹
Term Insurance No Medical
Term Insurance High Growth Potential
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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

New Fund Offer @ ₹10 NAV*
Bajaj Allianz Life Presents Nifty 200 Alpha 30 Index Pension Fund under Bajaj Allianz Life Smart Pension
SFIN: ULIF010217/04/25N200A30PEN116
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    Why Bajaj Allianz Life Insurance ?

    Bajaj Allianz Life, one of India's leading Private Life Insurers, is committed to offering value-packed and innovative products to help you achieve your Life Goals.

    99.29%

    Claim Settlement Ratio ~

    Claim Settlement Ratio
    1 Day

    Get 1 Day Claim Approval %

    One Day Claim Approval
    AAA

    Stable Rating by CARE $$

    CARE Stable Rating
    ₹1,23,734 Cr

    Assets Under Management (AUM) **

    Assets Under Management (AUM)
    3.85 Cr

    Number of Lives Covered #

    Number of Lives Covered
    359%

    Solvency Ratio of 359% ^^^

    Solvency Ratio
    Claim Settlement Ratio 2024-25

    Disclaimer: ~ Individual Death Claim Settlement Ratio for FY 2024-2025 |  % 96.70% of non-investigative individual claims approved in one working day for FY 2023-24. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Allianz Life offices |  $$ For details refer to press release published by  CARE  |  ** All figures as on 31 March, 2025 |  ^^^ Solvency ratio 359% as at 31 March 2025 against IRDAI mandated 150% |  # Individual and group, as on 31 March, 2025.

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    Life Insurance Guide

    • Videos

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    Autopay | Life Insurance Made Easy

    Discover how autopay in life insurance simplifies your premium payments and ensures your coverage stays active without hassle!

    Nominee | Life Insurance Made Easy

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    Compound Reversionary Bonus | Life Insurance Made Easy

    Understand more about Compound Revisionary Bonus and how it works.

    Riders | Life Insurance Made Easy

    In this video, we explain what are Riders and how they offer additional coverage and features beneficial to you.

    Return of Premium | Life Insurance Made Easy

    Understand more about Return of Premium feature in a Life Insurance Policy.

    Endowment Plan | Life Insurance Made Easy

    Learn about Endowment Plans and how they combine saving and protection to achieve your financial life goals.

    What Is Life Insurance?

    What Is Life Insurance?

    A life insurance policy is a legal contract between the insurer (Insurance provider) and an individual (policyholder).

    Benefits of Term Insurance

    Benefits of Term Insurance

    A term insurance policy is a life insurance plan which is intended to cover the risk of premature death or demise of the life assured, during the policy tenure.

    Types of Life Insurance Policies In India

    Types of Life Insurance Policies In India

    Life insurance plans help in financial planning by creating a secured corpus on unfortunate death of the life assured during the policy term.

    How Does Ulip Work?

    How Does ULIP Work?

    A Unit Linked Insurance Plan (ULIP) is one of the preferred tax-saving investment options for investors in India.

    Underinsurance Calculator

    Underinsurance Calculator

    With the Underinsurance Calculator, check if your Life Cover is atleast 10x of your Annual Income.

    Term Insurance Calculator

    An easy to use Term Insurance calculator to determine the right life cover amount as per your needs.

    ULIP Calculator

    Know the amount to invest today to have the corpus to accomplish your Life Goals tomorrow.

    Income Tax Calculator

    Know your income tax based on the taxable income and explore Life Insurance plans to save more tax.

    Investment Calculator

    Answer a few simple questions to know estimated corpus you will have to fulfil your Life Goals.

    Power of Compounding Calculator

    Get an estimate of how much your investment will grow over a period of time.

    Fixed Deposit Calculator

    Answer a few easy questions to calculate your Fixed Deposit Returns.

    NPS Calculator

    Calculate your NPS returns effortlessly with our simple to use NPS Calculator.

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    Plan your investments effortlessly and achieve your financial goals with our easy-to-use SIP Calculator.

    Retirement Preparedness Score Calculator

    Retirement Preparedness Score Calculator

    Answer a few simple questions to know how prepared you are for your retirement.

    Life Goal Calculator

    Answer a few simple questions to know the corpus required to fulfil your Life Goal.

    Child Education Planning Tool

    A simple to use and comprehensive tool to plan for your child's education.

    Savings to Life Goals Convertor

    Use this calculator to know how savings from regular expenses can help you achieve your Life Goals.

    Financial Fitness Calculator

    Get to know your Financial Fitness Score by answering few simple questions.

    Immunity Score Calculator

    Use our immunity calculator to find out your immunity score in just a few clicks!

    Child Plan Calculator

    A simple to use calculator that helps you plan for fulfilling your Child's Life Goals.

    Retirement Calculator

    Calculate the amount you need to invest today to accomplish your retirement life goals.

    Body Mass Index (BMI) Calculator

    Body Mass Index (BMI) is a measure to understand whether your body weight is healthy as per your height.

    EP 1: How to Retire Rich

    Mr. Sameer Joshi, Chief Agency Officer, discusses how to manage finances for financial freedom.

    EP 2: Decoding Union Budget FY24

    Mr. Sampath Reddy, Chief Investment Officer, shares his views on the Union Budget 2023.

    EP 3: Will Writing Simplified

    Mr. Dheeraj Sehgal, CDO – IB & Mr. Jatin Popat, WillJini discuss Will Writing & Succession Planning.

    Ep 4: Monthly Market Outlook (Mar'23)

    Mr. Sampath Reddy, CIO, talks about upcoming challenges - inflation & recession and our Market Outlook.

    EP 5: Monthly Market Outlook (Apr'23)

    Mr. Sampath Reddy, CIO, is back with another insightful episode of India Market Outlook.

    EP 6: Buidling Wealth with SISO

    Mr. Ajay Rajvanshi, Sr. EVP, shares his views on building wealth with SISO.

    EP 7: Monthly Market Outlook (May'23)

    Mr. Sampath Reddy, CIO, shares his views on the latest happenings in the market, globally and India.

    EP 8: Monthly Market Outlook (Jun'23)

    Mr. Sampath Reddy, CIO, discusses the impact of US FED, RBI and impact of global slowdown on India.

    EP 9: NRIs and Investment in India

    Mr. Rajesh Krishnan, COO, discusses immense investment potential of India for NRIs.

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    Bajaj Allianz Life Insurance Co. Ltd.

    Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

    Tel No:  020-66026773

     

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    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.

    6 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.

    8 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

    15 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

    ^ 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.

    ^^* Available with Bajaj Allianz Life Family Protect Rider – Child Care option - A Lumpsum benefit equal to 105% of Total premiums paid 4 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. 4 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.

    ~~~ 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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    Call to Buy

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    Disclaimer

    ^ Above illustration is considering Female & Male aged 35 years | Non Smoker| Standard Life | Base Plan Policy Term 50 years & Premium Payment Term 50 years & Rider Policy Term 50 years & Premium Payment Term 50 years | Sum Assured for Bajaj Allianz Life eTouch II Life Shield variant is ₹1,00,00,000 & Bajaj Allianz Life New Critical Illness Benefit Rider Comprehensive option is ₹10,00,000 | Medical Rates | Yearly Premium Payment Mode | Online Channel | Death benefit opted is Lump Sum Payout | For Female- Bajaj Allianz Life eTouch II base plan 1st year premium is ₹16,533 and 2nd year onwards premium is ₹17,589 | Total Base Plan Premium ₹8,78,394 | Bajaj Allianz Life New Critical Illness Benefit Rider Comprehensive option premium is ₹2,950/ year | Total Rider Premium ₹1,47,500 | For Male- Bajaj Allianz Life eTouch II base plan 1st year premium is ₹21,410 and 2nd year onwards premium is ₹22,777 | Total Base Plan Premium ₹11,37,483 | Bajaj Allianz Life New Critical Illness Benefit Rider Comprehensive option premium is ₹4,730/ year | Total Rider Premium ₹2,36,500. Premium shown above is inclusive of 6% Discount on online purchase available for regular premium payment and limited premium payment frequency on first year's premium, 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 of base product and rider (available on www.bajajallianzlife.com) carefully before concluding a sale or consult your “Insurance Consultant” for more details and eligibility conditions.

     

    $ 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. Tax Benefit is calculated at the rate of 31.20% after considering deduction of Rs. 150,000/- under Section 80C and deduction of Rs. 25,000/- (for self) under Section 80D of the Income Tax Act 1961 (under old tax regime).

    1 Available with Bajaj Allianz Life Family Protect Rider – Child Care option - A Lumpsum benefit equal to 105% of Total premiums** paid 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. **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

    2 Term Insurance plan bought online directly from Bajaj Allianz Life Insurance has no commissions involved.

    *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.

     

    ^^Get Free Health Management Services for Women up to Rs. 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.

     

    Bajaj Allianz Life Insurance Co. Ltd. | IRDAI No. 116

     

     

     

    X
    Disclaimer

    ~ Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error.

    Risk Profile: High

    * Not available if policy issued after 30th May 2025 | ^^As on 28th March 2025

    ^ Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

    1 Minimum premium mentioned is applicable for Bajaj Allianz Life Smart Pension- A Unit-Linked, Non-Participating Individual Pension Plan (UIN- 116L209V01) and is subject to policy terms and conditions.

    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. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN- 116L209V01) is only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. 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.

    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.

    Nifty 200 Alpha 30 Index Pension Fund is available only with Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN: 116L209V01).

    In addition to other funds, Nifty 200 Alpha 30 Index Pension Fund is now available with Bajaj Allianz Life Smart Pension. Customer has an option to choose from other available funds apart from Nifty 200 Alpha 30 Index Pension Fund.

    Death Benefit shall be the Fund Value, subject to a minimum of the 105% of Total Premiums Paid, as on the date of death.

    Bajaj Allianz Life Insurance Co.Ltd.| IRDAI No.116

    X
    Disclaimer

    For more details on risk factors, terms and conditions please read sales brochure & policy document of base plan and rider (available on www.bajajallianzlife.com ) or consult your "Insurance Consultant' for more details and eligibility conditions carefully before concluding a sale.

    ~ Individual Death Claim Settlement Ratio for FY 2024-2025

    *Premium increase applicable only for certain policy term, premium payment term and sum assured combinations.

    ^ BIMA Applications Supported by Blocked Amount (BASBA)-  One- time mandate for blocking the amount towards premium through Unified Payments Interface (UPI mandate) for issuance of life insurance policies. Premium is required to be paid only after the insurer communicates the decision of acceptance of the proposal. Risk cover shall commence only after receipt of premium. Available only for online channel.

    3 5% Discount applicable for customer's first individual life insurance policy, applicable only on first year’s premium. 5% Discount for salaried customers, 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.

    # The Premium prices mentioned are the lowest available across all online channels/ platforms for the purchase of this specific version of the product. These rates are subject to input parameters & as required for policy issuance remaining consistent during comparison. No Staff/Partner discount* can be availed with this product. If a lower premium rate is found elsewhere, under the same conditions mentioned above, the policyholder may choose to cancel their policy and receive a full refund of the premium paid. *Staff includes directors and employees of Bajaj Finserv Group & their spouse, children, and dependent parents. Partner includes employees and agents of intermediaries and their family members. & Input parameters include age, medical details, qualifications, occupation, income and other factors required for policy issuance

    1 Through Parental Care Option available in Bajaj Allianz Life Family Protect Rider (UIN: 116B056V01). Please refer to respective rider sales literature or visit Company website or consult your “Insurance Consultant” for more details and eligibility conditions.

    $ 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. Tax Benefit is calculated at the rate of 31.20% after considering deduction of Rs. 150,000/- under Section 80C of the Income Tax Act 1961 (under old tax regime).

    **Get Free Health Management Services for men up to Rs. 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.

     

    Bajaj Allianz Life Insurance Co. Ltd. | IRDAI No. 116

    X
    Disclaimer

    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. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02) are only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. 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.

    ^Above illustration is for Bajaj Allianz Life Smart Wealth Goal V is A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02) considering Male aged 25 years | Standard Life | Variant- Wealth | Policy term (PT) - 35 years | Premium Payment Term (PPT) - 10 years | Total premiums paid Rs. 12,00,000 | Monthly Premium Payment Mode | Sum Assured Rs. 18,00,000 | Incase of unfortunate death during the 1st policy year, death benefit payable at 4% and 8% will be Rs. 18,00,000. This illustration is considering investment in "Bond Fund - ULIF02610/07/06BONDFUNDLI116” through Auto Transfer Portfolio Strategy and Goods & Service Tax (GST) of 18%.

    Assumed investment returns on 35 th Policy Year

    CAGR #

                       ₹ 1,26,27,417

    8% #

                       ₹ 40,23,358

    4% #

    # 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.

    1 Minimum monthly premium payment frequency will be available under auto-debit option as approved by RBI mentioned. This is applicable for Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02) and is subject to policy terms and conditions.

    $ Subject to Section 10 (10D) conditions i.e. aggregate annual premium for ULIP policies issued on or after 1st February 2021 does not exceed Rs. 2.5 Lakhs.

    2 Source: https://economictimes.indiatimes.com/investments-marts/eight-crucial-numbers-to-ensure-financial-success/10-times-the-annual-income-is-your-life-insurance/slideshow/16699748.cms. Subject to availability in Bajaj Allianz Life ULIP Plans. 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

    Bajaj Allianz Life Insurance Co.Ltd.| IRDAI  Reg no. 116

    X
    Disclaimer

    2 Based on data pertaining to online sales channel for the period 1st February 2024 till 25th March 2024

    5 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 Rs. 50,00,000 | Online Channel | Standard Life | Total Premium Paid is Rs. 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.

    1 If the customer is digitally KYC compliant and meets the eligibility criteria, medical, and underwriting norms.

    $$ 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.

    4 Term Insurance plan bought online directly from Bajaj Allianz Life Insurance has no commissions involved.

    3 2% Discount on online purchase is available for regular premium payment and limited premium payment frequency throughout the premium payment term.

    X
    Terms & Conditions

    I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

     

    Please refer to BALIC  Privacy Policy

    X
    Terms & Conditions

    I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

     

    Please refer to BALIC Privacy Policy

    X
    Terms & Conditions

    I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business.

     

    Please refer to BALIC Privacy Policy .

    X
    Terms & Conditions

    I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any Call made, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages , in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

    X
    Disclaimer

    ^ Not available if policy issued after 30th May 2025 | *As on 28th March 2025 Past 5 Year CAGR returns in Benchmark Nifty 200 Alpha 30 Index. Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error. Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

    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. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN- 116L209V01) is only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. 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.

    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.

    Nifty 200 Alpha 30 Index Pension Fund is available only with Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN: 116L209V01).

    In addition to other funds, Nifty 200 Alpha 30 Index Pension Fund is now available with Bajaj Allianz Life Smart Pension. Customer has an option to choose from other available funds apart from Nifty 200 Alpha 30 Index Pension Fund.

    Death Benefit shall be the Fund Value, subject to a minimum of the 105% of Total Premiums Paid, as on the date of death.

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