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Bajaj Life Superwoman Term is a protection solution designed specifically for women and combines life cover with additional protection options. The plan comprises the eligible eTouch II Life Shield base plan, the New Critical Illness Benefit Rider and an optional Family Protect Rider for child-care benefits. The critical illness rider covers 60 specified illnesses, including certain women-specific cancers, subject to the rider wording. Eligible policyholders can also access women’s health management services, while child-care benefits require the relevant optional rider and are subject to its conditions.
Women Focused
Superwoman Term may suit women who want life insurance alongside specified critical illness protection and additional support for a child’s future. Its main distinction is the combination of a term life policy with rider-based benefits rather than a simple standalone death-benefit plan. Review the critical illness definitions, rider sum assured, premium payment duration, child-care eligibility and service limits before purchasing. The official premium example is specific to one illustrated profile and should not be treated as a universal price.
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
The eTouch II base plan pays the applicable death benefit to the nominee if the life assured dies while the policy is in force, subject to policy terms and exclusions.
The actual benefit depends on the selected base-plan option and policy schedule.
The New Critical Illness Benefit Rider can pay a lump-sum benefit on diagnosis of a covered illness when the rider’s definitions and claim conditions are met.
The official one-pager describes cover for 60 specified critical illnesses.
The critical illness rider includes certain women-specific cancers, such as specified cancers of the breast, cervix, ovary and other listed reproductive organs.
Only illnesses and definitions expressly listed in the current rider wording are covered.
The eligible eTouch II base plan may provide a terminal illness benefit under the applicable base-plan terms.
The benefit amount, definition and claim conditions are governed by the base policy.
When the optional Family Protect Rider child-care option is selected, benefits may include a lump sum and monthly income to support an eligible child’s future.
The official example shows monthly income until the child turns 25; actual benefits depend on the rider schedule and conditions.
Provides a lump-sum benefit for a covered critical illness, including specified women-specific illnesses, subject to the selected rider option.
Rider sum assured, term, premium and covered conditions are shown in the policy schedule.
Optional child-care cover can provide benefits designed to help fund a child’s future if a covered event occurs.
Not automatically included in every illustration; benefit and eligibility depend on the selected option.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Bajaj Allianz Life plans and claim process
It is a protection solution for women comprising an eligible eTouch II Life Shield base plan, a critical illness rider and an optional child-care rider.
The official one-pager describes a critical illness rider covering 60 specified illnesses, including certain women-specific cancers. The rider wording determines the exact covered conditions.
Child-care benefits are available through the optional Family Protect Rider child-care option. Check the rider schedule to confirm the selected benefits.
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 official one-pager shows ₹1,956 per month for a 25-year-old woman with ₹1 Crore base life cover, ₹10 Lakh critical illness rider, a 40-year policy term and a 10-year premium payment term. The child-care option was not selected in this example.
No. The premium depends on age, health, underwriting, base cover, rider sum assured, policy term and premium payment term. Use the insurer’s quote for the applicant’s actual details.
The official one-pager advertises women’s health management services worth up to ₹36,500 per year, including specified health-check, OPD and wellness services. Terms and usage limits apply.
No. The diagnosis must meet the exact definition and claim conditions for an illness listed in the selected critical illness rider.
The base eTouch II Life Shield variant is a term protection plan and does not ordinarily provide a maturity payout. Check the selected policy schedule for the benefits applicable to the chosen option.
Review the current Bajaj Life Superwoman Term one-pager and the underlying eTouch II base-plan and rider policy documents before purchase.