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Flexibility to pay premiums1
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Premium Holiday option2
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Shield for your life to cover death & Terminal illness
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Get back your paid premiums* as early exit value3
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Flexibility to pay premiums1
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Premium Holiday option2
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Shield for your life to cover death & Terminal illness
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Get back your paid premiums* as early exit value3
Protect what matters most
Life is full of “IF’s”. Presenting a protection plan built to safeguard you and your loved ones from various uncertainties in life. Don’t let worry come knocking on your doors. Be prepared with Bajaj Life eTouch II, a life insurance plan for you and your loved ones to help realize your dreams without any compromises in case of an unforeseen event.
Wait no longer….gift your family the perfect shield against the “IF’s of LIFE” in just a few clicks.
FEATURES
Shield for your life to cover Death & Terminal Illness
Flexibility to pay premiums throughout the policy term, or for a limited number of years, or till your retirement (Age 60)
Get back your Total Premiums Paid4 as Maturity benefit1
Extra pay out in case of death due to accident2
Choose how your family receives the benefit in your absence, as a lump sum or as monthly income for 5 /10/ 20/ 30 / 40 years or a combination of both
Option to defer premiums by up to 12 months with Auto Cover Continuance Benefit
Exit early (after your need for cover is over) and get back your paid premiums as Early Exit Value3
Premium Holiday option which helps you skip your premiums for 1, 2 or 3 years during the premium payment term
Enhance your protection through our comprehensive riders
Tax benefits# as per prevailing tax laws
1Maturity Benefit is available with Life Shield ROP variant
2Accidental Death Benefit is available with Life Shield Plus variant
3Early Exit Value is available with Life Shield & Life Shield Plus variants
ANNUITY OPTIONS/VARIANTS
- No Prior Terminal Illness Claim is made: Your nominee/legal heir will receive the Sum Assured on Death5.
- Prior Terminal Illness Claim has been made: Your nominee/legal heir will receive the Prevailing Sum Assured on Death (i.e. Sum Assured on Death5 – Sum Assured on TI7).
In case, Sum Assured = TI Sum Assured, no Death Benefit will be paid.
The policy will terminate on payment of Death Benefit. - a) If the Sum Assured chosen is less than or equal to 2 crores (i.e. maximum TI Sum Assured), We will pay the Sum Assured on TI7, and the policy will terminate
- b) If the Sum Assured chosen is greater than 2 crores (i.e. maximum TI Sum Assured), We will pay Rs. 2 crores and the policy will continue with the balance Sum Assured on Death5, i.e. (Sum Assured less Rs. 2 crores) with the waiver of future premiums. This balance Sum Assured on Death5 will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.
- a) If the Life Assured is diagnosed with Accidental Total Permanent Disability (ATPD), the policy will continue for existing Death benefit & Terminal Illness Benefit.
- b) If the Life Assured is diagnosed with Terminal Illness (TI) & chosen Sum Assured is greater than Rs.2 crores, the policy will continue for remaining Death Benefit.
Life Shield
1. Death Benefit (Benefit payable on death of the Life Assured during the policy term)
2. Terminal Illness Benefit (Benefit payable in case the Life Assured is diagnosed with Terminal Illness during the policy term)
Or,
Note: The sum assured will include any Life-Stage Upgrade sum assured under the policy. Terminal Illness Benefit is not an additional Benefit. It is an acceleration of Death Benefit and is included in the Sum Assured on Death.
3. WOP Benefit on ATPD/TI
We will waive off any future premiums under the policy in case
Or,
Maturity Benefit - Not applicable
- No Prior Terminal Illness Claim is made: Your nominee/legal heir will receive the Sum Assured on Death5.
- Prior Terminal Illness Claim has been made: Your nominee/legal heir will receive the Prevailing Sum Assured on Death (i.e. Sum Assured on Death5 – Sum Assured on TI7). In case, Sum Assured = TI Sum Assured, no Death Benefit will be paid. The policy will terminate on payment of Death Benefit.
- a) If the Sum Assured chosen is less than or equal to Rs. 2 crores (i.e. maximum TI Sum Assured), We will pay the Sum Assured on TI7, and the policy will terminate
Or, - b) If the Sum Assured chosen is greater than Rs. 2 crores (i.e. maximum TI Sum Assured), We will pay Rs. 2 crores and the policy will continue with the balance Sum Assured on Death5, i.e. (Sum Assured less Rs. 2 crores) with the waiver of future premiums. This balance Sum Assured on Death5 will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.
- a) If the Life Assured is diagnosed with Accidental Total Permanent Disability (ATPD), the policy will continue for existing Death benefit & Terminal Illness Benefit.
- b) If the Life Assured is diagnosed with Terminal Illness (TI) & chosen Sum Assured is greater than Rs 2 crores the policy will continue for remaining Death Benefit
Life Shield Plus
1. Death Benefit (Benefit payable on death of the Life Assured during the policy term)
2. Accidental Death Benefit (Benefit payable if the Life Assured’s death occurs due to accident during the ADB cover period)
In addition to the Death Benefit, an additional benefit equal to the ADB sum assured (as chosen at inception) shall be paid to the nominee/legal heir.
Note: The ADB sum assured will include any Life-Stage Upgrade sum assured under the policy.
3. Terminal Illness Benefit (Benefit payable in case the Life Assured is diagnosed with Terminal Illness during the policy term)
Note: The sum assured will include any Life-Stage Upgrade sum assured under the policy. Terminal Illness Benefit is not an additional Benefit. It is an acceleration of Death Benefit and is included in the Sum Assured on Death
4. WOP Benefit on ATPD/TI
We will waive off any future premiums under the policy in case
Or,
- No Prior Terminal Illness Claim is made: Your nominee/legal heir will receive the Sum Assured on Death5.
- Prior Terminal Illness Claim has been made: Your nominee/legal heir will receive the Prevailing Sum Assured on Death (i.e. Sum Assured on Death5 – Sum Assured on TI7).
- a) If the Sum Assured chosen is less than or equal to 2 crores (i.e. maximum TI Sum Assured), We will pay the Sum Assured on TI7 and the policy will terminate
- b) If the Sum Assured chosen is greater than 2 crores (i.e. maximum TI Sum Assured), we will pay Rs.2 crores and the policy will continue with the balance Sum Assured, i.e. (Sum Assured on Death5 less than Rs.2 crores) with the waiver of future premiums. This balance Sum Assured on Death5 will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.
- a) If the Life Assured is diagnosed with Accidental Total Permanent Disability (ATPD), the policy will continue for existing Death benefit & Terminal Illness Benefit.
Or, - b) If the Life Assured is diagnosed with Terminal Illness (TI) & chosen Sum Assured is greater than Rs.2 crores, the policy will continue for remaining Death Benefit.
Life Shield
1. Death Benefit (Benefit payable on death of the Life Assured during the policy term)
In case, Sum Assured = TI Sum Assured, no Death Benefit will be paid.
The policy will terminate on payment of Death Benefit.
2. Terminal Illness Benefit (Benefit payable in case the Life Assured is diagnosed with Terminal Illness during the policy term)
Or,
Note: The sum assured will include any Life-Stage Upgrade sum assured under the policy. Terminal Illness Benefit is not an additional Benefit. It is an acceleration of Death Benefit and is included in the Sum Assured on Death.
3. WOP Benefit on ATPD/TI
We will waive off any future premiums under the policy
Maturity Benefit - Not applicable
- No Prior Terminal Illness Claim is made: Your nominee/legal heir will receive the Sum Assured on Death5.
- Prior Terminal Illness Claim has been made: Your nominee/legal heir will receive the Prevailing Sum Assured on Death (i.e. Sum Assured on Death5 – Sum Assured on TI7). In case, Sum Assured = TI Sum Assured, no Death Benefit will be paid.
- a) If the Sum Assured chosen is less than or equal to 2 crores (i.e. maximum TI Sum Assured), We will pay the Sum Assured on TI7, and the policy will terminate
- b) If the Sum Assured chosen is greater than 2 crores (i.e. maximum TI Sum Assured), We will pay Rs. 2 crores and the policy will continue with the balance Sum Assured on Death5, i.e. (Sum Assured less Rs. 2 crores) with the waiver of future premiums. This balance Sum Assured on Death5 will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.
- a) If the Life Assured is diagnosed with Accidental Total Permanent Disability (ATPD), the policy will continue for existing Death benefit & Terminal Illness Benefit.
- b) If the Life Assured is diagnosed with Terminal Illness (TI) & chosen Sum Assured is greater than Rs 2 crores the policy will continue for remaining Death Benefit and Accidental Death Benefit.
Life Shield Plus
1. Death Benefit (Benefit payable on death of the Life Assured during the policy term)
The policy will terminate on payment of Death Benefit.
2. Accidental Death Benefit (Benefit payable if the Life Assured’s death occurs due to accident during the ADB cover period)
In addition to the Death Benefit, an additional benefit equal to the ADB sum assured (as chosen at inception) shall be paid to the nominee/legal heir.
Note: The ADB sum assured will include any Life-Stage Upgrade sum assured under the policy.
3. Terminal Illness Benefit (Benefit payable in case the Life Assured is diagnosed with Terminal Illness during the policy term)
Or,
Note: The sum assured will include any Life-Stage Upgrade sum assured under the policy. Terminal Illness Benefit is not an additional Benefit. It is an acceleration of Death Benefit and is included in the Sum Assured on Death.
4. WOP Benefit on ATPD/TI
We will waive off any future premiums under the policy in case
Or,
Maturity Benefit - Not applicable
- No Prior Terminal Illness Claim is made: Your nominee/legal heir will receive the Sum Assured (as chosen by you at inception).
- Prior Terminal Illness Claim has been made: Your nominee/legal heir will receive the Prevailing Sum Assured on Death (i.e. Sum Assured on Death5 – Sum Assured on TI7). In case, Sum Assured = TI Sum Assured, no Death Benefit will be paid.
- a) If the Sum Assured chosen is less than or equal to 2 crores (i.e. maximum TI Sum Assured), we will pay the Sum Assured on TI7, and the policy will terminate
- b) If the Sum Assured chosen is greater than 2 crores, we will pay Rs 2 crores and the policy will continue with the balance Sum Assured on Death5, i.e. (Sum Assured less Rs. 2 crores) with the waiver of future premiums. This balance Sum Assured on Death5 will be payable on death of the Life Assured, and the policy will terminate on death of Life Assured.
- a) If the Life Assured is diagnosed with Accidental Total Permanent Disability (ATPD), the policy will continue for existing Death benefit & Terminal Illness Benefit.
- b) If the Life Assured is diagnosed with Terminal Illness (TI) & chosen Sum Assured is greater than Rs.2 crores, the policy will continue for remaining Death Benefit.
- a) Benefit payable if the Life Assured survives till date of maturity and if no claims have been paid before date of maturity - You will receive an amount equal to Sum Assured on Maturity i.e. Total Premiums Paid4, as a one-time lump sum on the date of maturity
- b) Benefit payable if Terminal Illness Benefit has been paid before the date of maturity – You will receive Maturity Benefit equal to [1 - (Sum Assured on TI7/Sum Assured on Death5)] X Total Premiums Paid4 and will be paid out on the maturity date.
Life Shield ROP
Death Benefit (Benefit payable on death of the Life Assured during the policy term)
The policy will terminate on payment of Death Benefit.
2.Terminal Illness Benefit (Benefit payable in case the Life Assured is diagnosed with Terminal Illness during the policy term)
Or,
Note: Terminal Illness Benefit is not an additional Benefit. It is an acceleration of Death Benefit and is included in the Sum Assured on Death.
3. WOP Benefit on ATPD/TI
We will waive off any future premiums under the policy in case
Or,
4. Maturity Benefit
If the Life Assured survives till the end of Policy Term, Maturity Benefit will be payable
The Policy will terminate on payment of Maturity Benefit.
Policy Documents
ELIGIBILITY
Disclaimer
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS - IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
4Total Premiums Paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly. Please note that GST and cess, if any, will be collected over and above the premium under the policy.
5Sum Assured on Death: is defined as higher of
a)10 times Annualized Premium6
b) Sum Assured plus, total Life-Stage sum assured.
At no time the Sum Assured on Death will be less than Guaranteed Death Benefit of 105% of the Total Premiums paid4 up to the date of death.
6Annualized Premium means the premium amount payable in a year excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums.
7Sum Assured on TI is the lower of (a) Sum Assured on Death, (b) Maximum TI Sum Assured
# 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.Read More
Bajaj Life Insurance Ltd. (Formerly known as Bajaj Allianz Life Insurance Company Limited)
Risk Factors and Warning Statements: Bajaj Life Insurance Limited and Bajaj Life eTouch II are the names of the company and the product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale Red. Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006. IRDAI Reg. No.: 116. CIN: U66010PN2001PLC015959, Call us on Customer Care Number: 020-6712 1212, Mail us: customercare@bajajlife.com. Bajaj Life eTouch II is A Non-linked Non- Participating Individual Life Insurance Term Plan (UIN: 116N198V05). The Logo of Bajaj Life Insurance Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo. All charges/ taxes, as applicable, will be borne by the Policyholder.
IDFC FIRST Bank Ltd is a Corporate Agent for Bajaj Life Insurance Limited and is registered with Insurance Regulatory and Development Authority of India bearing registration number CA0106. This Plan is offered and underwritten by Bajaj Life Insurance Limited. The purchase of an insurance plan by the customer is purely on voluntary basis.Read Less
