Insurance Company
Bajaj Allianz Life Insurance
Policy Name
eTouch II
Expert Overview -
Bajaj Life (formerly Bajaj Allianz Life) is a long-established life insurer in India, offering protection and savings solutions through a wide distribution network and digital channels.
Plan Strategy -
A term plan with options such as Zero Cost/early-exit style feature (as per plan rules), waiver of premium on disability, and rider choices including a critical illness rider covering up to 60 illnesses (variant-based).
Network Hospitals
N/A+
Not applicable
Claim Ratio
99.21%
>95% recommended
Complaints
3.95
<10 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Option to increase coverage with milestone events
Included
Standard Feature
Option to receive premium payback between age 60-64
Included
Standard Feature
Accelerated payout of 2 Cr in case of terminal illness
Included
Standard Feature
Waiver of premium in case of permamnet disability or terminal illness
Included
Standard Feature
Choose to pause premium for upto 3 years
Included
Standard Feature
Option to include 60 critical illness
Included
Standard Feature
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Accidental Death BenefitAdditional payout on accidental death
Waiver of PremiumPremiums waived on disability or CI
Critical Illness BenefitLump-sum on CI diagnosis
