Bharti AXA Life Non-Linked Group Complete Shield Rider
(UIN:130B035V01)
(ADVT NO:II-Mar-2026-5946)
A Non-Linked, Non-Participating Group Health Insurance Rider
Why Choose Bharti AXA Life Non Linked Group Complete Shield Rider?
- Financial protection for employees/families in case of accidental death or disability.
- Coverage against high medical costs and loss of income due to Terminal or Critical Illness.
- Customizable – Select only the covers your group requires.
- Simple yearly renewable structure for better control and flexibility.
- Employers looking to enhance employee benefits with group accidental and critical illness protection.
- Group organizers of non-employer-employee schemes.
- Companies wanting flexible, cost-effective coverage for their workforce.
Key Highlights
- Comprehensive Coverage: Choose 1 or more from multiple Rider Benefit Options – Accidental Death (ADB), Accidental Total & Permanent Disability (ATPD), Accidental Permanent & Partial Disability (APPD), Terminal Illness (TI), Additional Critical Illness (CI), or Accelerated Critical Illness (ACI).
- Flexible Critical Illness Packages: 4 options to match your workforce needs – Lite (4 CIs), Core (9 CIs), Plus (21 CIs), and Max (33 CIs).
- Additional or Accelerated CI Cover: Opt for Critical Illness as an extra benefit (over base sum assured) or as an accelerated benefit (from base sum assured).
- Yearly Renewable Term: Easy annual renewal with flexibility to update group members.
- Tax Benefits: May be available as per prevailing Income Tax laws.
You can combine multiple options (subject to rules and maximum 100% of base premium).
- Accidental Death Benefit (ADB) Pays the Sum Assured to the nominee if the member dies due to an accident (within 180 days of the accident).
- Accidental Total and Permanent Disability (ATPD) Lump-sum payout (up to 100% of Rider Sum Assured) for severe disabilities like loss of two limbs, sight in both eyes, etc.
- Accidental Permanent and Partial Disability (APPD) Lump-sum payout for partial disabilities such as loss of one eye, one hand/foot, hearing in one ear, etc.
- Terminal Illness (TI) Acceleration of base benefit – payout on diagnosis of a terminal condition expected to result in death within 6–12 months (up to 24 months in some cases).
- Additional Critical Illness (CI) Extra payout (100% Rider Sum Assured) on diagnosis of covered Critical Illness .
Accelerated Critical Illness (ACI) Benefit paid from the base Sum Assured (cannot combine with Additional CI).
Important Note: Additional CI and Accelerated CI cannot be chosen together. Terminal Illness cannot be combined with Critical Illness due to possible overlap.
Critical Illness Coverage Packages
| Package | Number of Critical Illnesses Covered |
|---|---|
| Lite | 4 |
| Core | 9 |
| Plus | 21 |
| Max | 33 |
| Parameter | Eligibility Criteria |
|---|---|
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 79 years (or Normal Retirement Age minus 1 year) |
| Maturity Age | Up to 80 years (or Normal Retirement Age) |
| Policy Term | 1 month to 1 year (Yearly Renewable) |
| Minimum Group Size | 5 members |
| Sum Assured | ₹10,000 minimum per member (no maximum limit, subject to underwriting) |
New members can be added during the policy term with proper intimation and premium.
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Disclaimer :
- This is a Group Rider attached to a base group policy.
- All benefits are subject to terms, conditions, and exclusions mentioned in the policy document.
- Tax benefits are as per the Income Tax Act, 1961 (subject to change).
- For complete details, including full list of covered illnesses, exclusions, and definitions, please refer to the policy brochure and terms & conditions.