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eTouch Life Secure is presented as a return-of-premium option for customers who want life protection and a potential premium refund if the policy reaches its eligible maturity conditions. The benefit payable depends on the selected variant and the policy wording. Customers should check which premiums qualify for refund and whether taxes, rider premiums or other charges are excluded.
Return-of-premium variant with payment options subject to the applicable policy terms.
A return-of-premium option generally costs more than comparable pure term cover. Compare the total premiums payable with the maturity amount and review the policy term, premium-payment term and conditions for receiving the refund. The starting price shown on the website should be treated as indicative rather than a personalised quote.
Bajaj Allianz Life
Key Insights
Founded
2001
Bajaj Allianz Life was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.3% CSR, calculated as a 3-year average
Bajaj Allianz Life settles 99.3% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-209-7272
Headquarters: Bajaj Insurance House, Airport Road, Yerawada, Pune – 411006, Maharashtra, India
Provides a death benefit to the nominee if the insured dies during the active policy term and the claim meets policy conditions.
Select cover based on dependants, outstanding loans and long-term financial needs.
The return-of-premium variant may return eligible premiums if the policy reaches the qualifying maturity conditions.
Check which premiums are refundable and whether taxes, rider premiums or charges are excluded.
Available policy terms depend on the variant, age and insurer eligibility rules.
Confirm the maturity age and term options in the current policy wording.
Regular, limited or single-payment options may be available depending on the applicable product variant.
Compare the total amount payable, not only the annual premium.
The eligible death benefit is payable to the nominee according to the policy schedule and terms.
Keep nominee information current and accurate.
If offered with the selected policy version, this rider can provide a benefit for a covered critical illness when all rider conditions are met.
Check the covered illnesses, survival period and claim definitions.
An eligible rider may provide an additional benefit for a qualifying accidental death.
Availability and benefit amounts are subject to rider terms and underwriting.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Bajaj Allianz Life plans and claim process
It is listed as a return-of-premium term insurance option. Confirm the precise product variant and benefits in the current insurer documents.
Under an eligible return-of-premium variant, qualifying premiums may be returned if the policy reaches the stated maturity conditions. The policy defines which premiums qualify.
No. It is a displayed starting price, not a guaranteed personalised quote. The final premium depends on age, health, cover, term and payment choices.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Bajaj Allianz Life website before purchasing.
Official Website
bajajallianzlife.com
Visit the official Bajaj Allianz Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The current listing displays ₹25 lakh–₹3 crore. Actual available cover is subject to the applicable product rules and underwriting.
Not necessarily. Check the policy wording to see whether taxes, rider premiums or other charges are excluded from the refund.
The death benefit is payable according to the policy schedule and terms if the insured dies during the covered period and the claim is accepted.
Payment options depend on the exact variant and product version. Confirm the available options before purchasing.
Some optional riders may be available for eligible customers. Check the current product and rider documents for availability, costs and conditions.
The consequences depend on the policy terms, premium-payment history and any applicable grace period or lapse/revival provisions. Review the policy document before discontinuing payments.
Compare total premiums, life cover, maturity refund conditions, policy duration, exclusions, rider costs and the current policy schedule.