Bajaj Life eTouch II

Quick Information

Basic Details

Entry Age 18 to 65 years

Coverage Amount Not specified

Policy Term Up to 81 years

Premium Payment Up to 60 years

Claim Settlement 99.29% (FY 2025)

Claim Value Ratio 0.00%

Best For

Families needing comprehensive coverage

People who want no room rent restrictions

Those preferring cashless treatments

Individuals looking for AYUSH coverage

Senior citizens seeking reliable cover

What Works Well

Coverage available till age 99

Multiple Limited Pay options

Return of Premium variant available

Premium Holiday feature available

Auto Cover Continuance benefit available

Early Exit Value available

Watch Out For

No increasing life cover option

No joint life option

No child education benefit

No home pickup service for claims

No personal relationship manager during claims

Twitter/X response speed below top competitors

Hidden Clauses - Read Very Carefully!

These clauses are often buried in fine print. MyInsureBuddy surfaces them so you're never surprised at claim time.

Suicide exclusion applies during first 12 months

Terminal illness benefit is an acceleration of death benefit and not an additional payout

Terminal illness payout capped at ₹2 Crore under policy terms

Premium Holiday can be used only after completing 5 policy years

Auto Cover Continuance available only after payment of 3 full policy years

Accidental disability must persist for at least 180 days for claim eligibility

⚡ At a Glance

Return of Premium Whole Life Cover Income Benefit Monthly Income Option Waiver of Premium Smoker Allowed Terminal Illness Cover Critical Illness Rider Accidental Death Rider Accidental Disability Rider

Death Benefit Options

•["Lump Sum"

•"Monthly Income"

•"Combination Payout"]

Premium Payment Options

•Regular Pay

•Limited Pay

•Pay Till 60

Premium Frequency

•Annual

•Semi-Annual

•Quarterly

•Monthly

Available Riders

•Critical Illness Rider: Coverage against 60 specified critical illnesses with payout over and above life cover

•Accidental Death Benefit Rider: Additional payout up to ₹2 Crore in case of accidental death

•Waiver of Premium Benefit: Future premiums waived on accidental total permanent disability or terminal illness

Special Plan Features

•Premium Holiday option for 1, 2 or 3 years

•Auto Cover Continuance for up to 12 months

•Early Exit Value available

•Return of Premium option available

•Coverage till age 99

•Multiple payout combinations

Claims Experience

•Claim Settlement Ratio: 99.29%

•93.94% claims settled within 30 days

•Claim complaints only 0.03%

•Online claim tracking available

•Shorter claim form than many competitors

•Solvency Ratio: 359%

Customer Service Details

•After-sales complaint ratio: 0.37%

•Toll-free support response: Average

•Twitter/X response: Slow

•Online servicing available

Not Available Features Or Data

•Home pickup of claim documents

•Personal relationship manager for claims

•Dedicated toll-free claims helpline

•Automatic increasing life cover

•Joint life option

•Child education benefit

Important Buying Suggestions

•Disclose all medical conditions honestly

•Declare smoking habits accurately

•Maintain nominee details regularly

•Choose coverage of at least 15-20 times annual income

•Read rider wording carefully before purchase

Age-wise Premium Breakdown

Age	Premium (approx)
18-25 Years	₹8,000
26-35 Years	₹9,600
36-45 Years	₹14,400
46-55 Years	₹21,600
56-65 Years	₹34,400

Premium by Cover Amount

Cover Amount	Premium (approx)
₹50 Lakh	₹9,000
₹1 Cr	₹16,000
₹2 Cr	₹30,000

Coverage & Benefits

Base Death Benefit

Lump sum or income payout to nominees upon the policyholder's demise during the policy term.

Terminal Illness Cover

Accelerated payout of the base cover if diagnosed with a terminal illness.

Return of Premium

100% refund of total premiums paid if the policyholder survives the policy term.

Whole Life Cover

Extended life coverage up to 99 or 100 years of age.

Waiver of Premium

Future premiums are waived in case of critical illness or permanent disability.

Income Benefit Payout

Death benefit can be structured as regular monthly/annual income instead of a lump sum.

Critical Illness Rider

Lump sum payout upon diagnosis of covered critical illnesses.

Accidental Death Rider

Additional sum assured paid in case of death due to an accident.

Accidental Disability Rider

Financial protection against permanent or partial disability caused by an accident.

Waiver of Premium Benefit

Future premiums waived on accidental total permanent disability or terminal illness

Official Policy PDF

Download the official IRDAI-filed brochure from Bajaj Life Insurance Limited.

Download (0.5 MB)

MyInsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 96%

Product Benefits 0%

Value for Money 89%

Flexibility 92%

Rider Strength 84%

Hidden Risk Safety 0%

Risk Level Low Risk (2/10)

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Quick Information

What Works Well

Watch Out For

Hidden Clauses - Read Very Carefully!

⚡ At a Glance

Death Benefit Options

Premium Payment Options

Premium Frequency

Available Riders

Special Plan Features

Claims Experience

Customer Service Details

Not Available Features Or Data

Important Buying Suggestions

Age-wise Premium Breakdown

Premium by Cover Amount

Coverage & Benefits

Terms & Conditions (Simplified)

Maximum Maturity Age

Minimum Entry Age

Maximum Entry Age

Minimum Sum Assured

Free Look Period

Grace Period

Revival Period

Premium Holiday

Auto Cover Continuance

Early Exit Value

Return of Premium

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

Quick Actions

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