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3 Crore Term Insurance

Q: What are the riders that I can add to my 3 crore term plan?

You can enhance your 3 crore term plan by adding some of the below mentioned riders, among others: Accidental Death Benefit Rider: Provides additional coverage in case of accidental death. Critical Illness Rider: Offers a lump sum payout if diagnosed with a specified critical illness. Disability Rider: Provides financial support if you become permanently disabled. Waiver of Premium Rider: Ensures that future premiums are waived in case of disability or critical illness. The rider also exempts premium payments for the policy if the policyholder dies while the insured individual is still alive.

Q: What are the tax benefits of a 3 crore term insurance?

The 3 crore term insurance premium qualifies for a deduction under Section 80C of the Income Tax Act, up to ₹1.5 lakhs, subject to specific conditions 1 under old regime. The death benefit received by the nominee is tax-free 2 . If you have a return of premium option, the refunded premiums at maturity are also tax-exempt under Section 10(10D) 3 .

Q: What are the eligibility criteria for purchasing a Rs. 3 crore term plan?

The eligibility criteria for a ₹3 crore term insurance plan typically include: Age: Generally, applicants should be between 18 and 65 years. Health Status: A medical examination may be required, and pre-existing conditions could affect eligibility. Income: You may need to demonstrate sufficient income to afford the premium payments. Lifestyle Factors: Non-smokers and those with a healthy lifestyle may receive better premium rates.

Q: Can I increase the coverage amount during the policy term?

Most 3 crore term insurance plans do not allow for an increase in coverage amount during the policy term. However, some insurers offer the option to increase the coverage at specific intervals if it is increasing term plan. It’s essential to check with your insurer for specific terms and conditions.

Q: How to calculate the premium for a 3 crore term insurance plan?

The premium for a 3 crore term insurance plan is determined based on several factors, including: Age of the Policyholder: Younger individuals generally pay lower premiums. Health Status: Medical history and current health condition affect premium rates. Policy Term: The length of the coverage period influences the premium amount. Lifestyle Choices: Factors like smoking, alcohol consumption, and occupation are also considered. Riders Selected: Additional riders increase the premium.

Q: What is the premium amount for a term plan offering coverage of ₹3 crore?

The premium for a ₹3 crore term plan depends on factors like age, health, and other details. A young, healthy individual may get the cover at lower premiums, while older people or smokers may have to pay higher premiums. The premium amount is affected by several factors, and therefore, it is different for all.

Q: Can I Take Term Insurance for My Family?

Yes, you can buy term insurance for your family but the process and eligibility depend on who you are buying for. For example, you can buy a term plan for your spouse or parents. Check with your insurer for more details.

Q: Should Both Husband and Wife Buy Term Insurance?

Some couples choose to have one policy together, while others buy separate plans. Each person can decide what works best for them.

Q: What is the maximum amount of term insurance?

There is no fixed limit for term insurance. Many people get 10 times their income as cover.

Q: Is There Any Maturity Benefit in Term Insurance?

Most standard term insurance plans do not offer any maturity benefit ; they provide a death benefit only if the life assured person passes away during the policy term. If the life assured survives the entire term, no sum assured is paid out, as these plans are designed purely for risk protection.

A ₹3 crore term insurance plan pays a tax-free death benefit of ₹3 crore to your nominee if you pass away during the policy term. This helps your family maintain their lifestyle, replace lost income, repay loans, and stay financially secure despite rising inflation. Premiums depend on your age, health, lifestyle, income, and chosen policy term. Buying early may help secure a higher cover at a lower cost, since younger, healthier applicants are generally assessed as having lower risk. Read More

This plan may be suitable for high-income earners, breadwinners, and those with major liabilities. Before buying, compare quotes from different insurers, check claim settlement ratios, available riders, tax benefits and eligibility to find a suitable ₹3 crore term insurance plan for your family's financial security. Read Less

Get Life Cover of ₹3 Crore Term Insurance Plan at ₹30*/Day

Enjoy a 16% Discount on 1^st year Premium**

Return Of Premium Option^{^^}

Zero Commission^$

Tax Benefits upto ₹46,800^##

Premium Holiday^&

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3.47 Cr Life Covered

₹ 1 Cr @ ₹ 14/Day

Diabetics

Women

NRIs

Self Employed

Written By

Palak Bagadia

Date Published : 16th January 2025

Palak Bagadia

Palak Bagadia, Associate – Digital Marketing at Bajaj Life Insurance, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry, with a strong understanding of the insurance sector.

Reviewed By

Avdhesh Gupta

Date Modified : 8th July 2026

Avdhesh Gupta

Avdhesh Gupta, Appointed Actuary at Bajaj Life, brings close to 20 years of experience across life insurance, reinsurance and consulting. He plays a key role in strengthening risk governance, ensuring long-term financial sustainability, and driving customer and shareholder value. He oversees actuarial and risk functions, including valuations, embedded value, product pricing, regulatory and shareholder reporting, and enterprise risk management. Avdhesh also leads global reinsurance partnerships and serves on the Advisory Group of the Institute of Actuaries of India on IFRS 17

Key Benefits of a ₹3 Crore Term Plan?
Bajaj Life Term Plans
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What Are the Key Benefits of a ₹3 Crore Term Insurance Plan?

A ₹3 crore term insurance plan gives a life coverage of Rs 3 crores. It can financially help the family in case of the untimely demise of the life assured. Policyholders can pay the premium as per the payment frequency offered by the insurer like monthly, quarterly, half-yearly or yearly. Extra add-ons, called riders, can be added to the plan at an additional nominal premium. These may include accidental death benefit rider, critical illness benefit rider etc.

Term Insurance Plans from Bajaj Life Insurance

Now with 0% GST

Bajaj Life eTouch II

A Non-Linked, Non-Participating, Individual Life Insurance Term Plan

Up to 16% discount on 1st Year Premium¹

Free Health Benefits² upto ₹31k p.a.

₹2 Cr. Life Cover @ ₹18 per day⁴

Lifelong income for Parents⁶

Tax Benefits up to ₹46,800⁵

Term Plan

Bajaj Life Smart Secure ROP

Get high life cover along with market-linked growth

Get up to ₹3 Crore Life Cover through Video MER^@ without physical medicals.

Get back total premiums paid at maturity along with fund value.

Guaranteed Wealth Booster added to fund value at the end of 15th policy year.

Return of Mortality Charges added to fund value at maturity.

Benefit Enhancer added during the last 5 policy years.

Exclusively for Women

Bajaj Life Superwoman Term

India's First Comprehensive Woman Term Plan

Free Women Health Management Services upto ₹36,500^{^^^} p.a.

60 Critical Illnesses^~~~ Covered Including cancer

Monthly Child Income Benefit Option^{^^*}

Life Cover With Tax Benefits*

Term Plan

Bajaj Life iSecure II

A Non-Linked, Non-Participating, Individual Life Insurance Term Plan

₹50 Lacs Life Cover @ ₹16⁷ per day

No Documentation⁸ & Quick Issuance

2% Online Discount⁹

Tax Benefits²⁷

Term Plan

Bajaj Life Saral Jeevan Bima

A Non-Linked, Non-Participating, Individual Pure Risk Premium Life Insurance Plan

Life Cover

High Sum Assured Rebate²¹

Female Life Rebate²²

Term Plan

Bajaj Life Diabetic Term Plan II Sub 8 HbA1c

A Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan

Term Plan exclusively designed for Type 2 diabetics (with HbA1c level <= 8) and pre-diabetics.

Provides comprehensive financial security to your family.

Flexibility to choose from multiple premiums payment frequencies

Tax benefits^~ available

How does a ₹3 crore term insurance plan work?

A ₹3 crore term insurance plan is a simple plan wherein you choose the following coverage details –

Policy term, i.e. duration of coverage
Premium paying term, i.e. how long you will pay premiums
Premium payment frequency, i.e. whether it’s monthly, quarterly, half yearly or annually
Optional riders can enhance coverage by offering additional protection for specific needs like critical illness or accidental death.

The sum assured is ₹3 crores. The premium amount is calculated based on factors such as your age, health, policy details, and the sum assured of ₹3 crore.

The policy provides coverage over the chosen policy term. If the life assured passes away during the chosen term, a death benefit is paid, and the plan is terminated. However, if the life assured survives the term, nothing is usually paid unless a return of premium option is selected. In this case, the premiums paid will be refunded on maturity.

Why Sum Assured is an Important Factor When It Comes to Term Insurance?

The sum assured is the predetermined fixed amount that a term insurance plan pays to the nominee upon the unfortunate demise of the life assured during the policy term. It is a fundamental component of the plan, and remains unchanged. This amount ensures that the insured’s dependents can meet their daily living expenses, educational costs, and other financial obligations, thereby offering critical financial protection and peace of mind.

Reasons to buy Term insurance for 3 crores

A ₹3 crore term insurance plan comes with several key benefits that make it an excellent choice for securing your family’s financial future.

First, the high coverage ensures that your loved ones will be financially protected, even in your absence, helping them maintain their lifestyle and meet essential needs.
The death benefit can also be used to clear any outstanding debts, such as home loans or other financial obligations.
Additionally, the policy premiums are typically affordable, offering significant coverage at a manageable cost.
You also gain tax benefits on the premiums you pay. Premiums paid for a ₹3 crore term insurance plan are deductible under Section 80C (up to ₹1.5 lakhs)¹under old regime. Additionally, death benefits are tax-free^2, and the premium refunds (under the return of premium plans) are tax-free² under Section 10(10D)³, subject to conditions.
Various rider options like an accidental death benefit rider, critical illness rider, or a term rider allows you to increase the level of protection.

Lastly, the payout can help your family meet long-term financial goals, like education or retirement planning, ensuring stability for years to come.

How to Choose 3 Crore Term Insurance Plan?

When selecting term insurance for 3 crores, consider the following pointers to ensure you make an informed decision:

Coverage Offered

Look for a plan that provides a comprehensive death benefit of ₹3 crore. Assess the additional features or riders available, such as critical illness or accidental death benefits, which can enhance your coverage on payment of nominal additional premium.

Premium Rate

Evaluate the premium rates for the policy based on your age, health, and lifestyle. Compare the premiums from various plans to find one that fits your budget along with providing adequate coverage.

Ease of Purchase

Choose a policy that offers a simple and straightforward application process. Online platforms can make it easier to apply and obtain quotes quickly.

Claim Process

Investigate the claim process. A transparent and efficient claim process can ease the burden on your family during challenging times.

Claim Settlement Ratio

Check the insurance company's claim settlement ratio. A higher ratio indicates that the insurance company has a history of successfully settling claims, providing peace of mind that your beneficiaries will receive the coverage amount when needed.

Who should opt for 3 crore term insurance?

Term insurance for 3 crores is ideal for:

High-income earners

Individuals with significant financial responsibilities, such as large home loans or other debts, can ensure their family's financial stability in their absence.

Family breadwinners

Those who are the primary source of income can provide their families with substantial financial support to continue their usual life in their absence. This term insurance will easily cover future goals for children, like education and marriage.

Individuals Seeking Long-term Protection

It’s suitable for those wanting a comprehensive life cover for an extended period, ensuring large financial security at an affordable premium.

Documents required to buy a 3 crore term plan

When applying for a 3 crore term insurance plan, you'll need to provide certain documents to the insurance provider. Here’s a list of some common documents typically required:

Identity Proof

A government-issued ID such as a passport, Aadhaar card, voter ID, or driver's license to verify your identity.

Address Proof

Documents like utility bills, rental agreements, or bank statements that confirm your residential address.

Age Proof

Municipal birth certificate, school leaving certificate, or any government document that verifies your age, ensuring it aligns with the insurer's age requirements.

Income Proof

Income tax returns, salary slips or bank statements that demonstrate your financial stability and ability to pay premiums.

Medical History

A comprehensive medical history report may be required. This includes details of pre-existing health conditions, treatments, and medications.

Photographs

Passport-sized photographs may be requested for identification purposes.

Application Form

A completed application form with personal details, including your name, age, address, and contact information.

Nominee Details

Information regarding the person you wish to designate as the beneficiary of the policy, including their ID and relationship to you.

Step-By-Step Process to Buy ₹3 Crore Cover Online

To get ₹3 crore term insurance cover online, just like any other term plan, follow the steps below:

Calculate Ideal Life Cover

Start by looking at how much financial support your family may need in your absence. Think about your yearly income, outstanding loans, rent, school costs, and future goals etc.

Compare Quotes

Use online tools to check different plans. These tools usually ask for your age, cover amount, lifestyle habits etc . After entering the information, you will see prices from different insurers. This helps you understand the cost of the plans and what they offer. Choose the one that fits your budget.

Choose the Right Insurer

After reviewing all the options, focus on factors like the claim settlement ratio. Choose the insurer that best fits your comfort level and trust.

Apply Online

Once you have chosen an insurer, visit their website and fill out details requested. It asks for details like your name, age, job, health, etc. Answer all the questions correctly to avoid any issues during claim settlement in the future. Make sure everything looks perfect before you move ahead.

Pay First Premium

Once you are done filling out the basic details, upload your ID address proof and other necessary details. Only after the insurer communicates the decision of acceptance of the proposal, pay the premium amount to begin your policy. Risk Cover will start only after receipt of premium. After your payment is processed, you will receive the policy papers.

Pay Future Premiums

To keep your cover active, pay on time. You can pay the premium in a single go or monthly, quarterly, half yearly or annually, depending on your choice. Check with your insurer for the available payment frequencies.

Factors Affecting Term Insurance Premium

When evaluating a term insurance plan, several factors can influence the premium amount you will pay. Understanding these factors⁴ can help you make an informed decision and choose the right coverage for your needs:

Age : The younger you are when you purchase a term insurance policy, the lower your premium will typically be. As you age, the risk of health issues increases, resulting in higher premiums.
Health Conditions : Pre-existing medical conditions can significantly impact your premium rates. Insurers assess your health history and may charge higher premiums if you have chronic illnesses or a family history of severe health issues.
Lifestyle Choices : Habits such as smoking or excessive drinking can lead to higher premiums. Maintaining a healthy lifestyle can help reduce the cost of your insurance.
Occupation : Certain professions deemed hazardous may result in higher premiums. For example, those working in high-risk jobs, such as construction or aviation, may face increased rates.
Policy Term : The length of the policy term can also affect your premium. Longer terms may lead to higher premiums since the insurer is exposed to risk for a more extended period.
Sum Assured : The coverage amount you choose directly correlates with your premium. A ₹3 crore sum assured will naturally have a higher premium than lower coverage amounts.

Things to Consider Before Buying a 3 Crore Term Insurance Plan

Before purchasing a 3 crore term insurance plan, it’s essential to consider several factors to ensure that it meets your needs and offers adequate protection for your family:

Financial Goals	Premium Affordability	Flexibility	Insurer's Reputation	Additional Benefits
Assess your financial obligations and goals. Consider factors such as outstanding debts, children's education, and retirement plans to determine if ₹3 crore is an appropriate coverage amount.	Evaluate your financial situation and ensure that you can comfortably pay the premium over the policy term without straining your budget.	Look for policies that offer flexibility in terms of premium payment options and coverage modifications. This allows you to adjust the plan as your financial situation or family needs change.	Research the insurance provider's reputation in the market. Look for customer reviews, industry ratings, and the insurer's claim settlement history to ensure you choose a reliable company.	Consider any added benefits or riders that can enhance your policy, such as critical illness coverage or waiver of premium benefits, which can provide extra protection on payment of a nominal additional premium.

Conclusion

Opting for a 3 crore term insurance plan is a wise decision for anyone looking to secure their family's financial future. With the right coverage, you can ensure your loved ones are protected against unforeseen events. By carefully evaluating factors like 3 crore term insurance premiums, coverage options, and claim settlement ratios, you can make an informed choice that meets your needs. Investing in term insurance not only provides peace of mind but also lays the foundation for a stable financial legacy, allowing you to focus on enjoying life while knowing your family is safeguarded.

99.33%

Claim Settlement Ratio^~

266%

Solvency Ratio of 266%^{^^^}

3.47 cr

Number of Lives Covered^##

₹1.40 lakh cr

Assets Under Management (AUM)^***

AAA

Stable Rating by CARE^$$

₹8,288.13 cr

Amount of Individual claims paid*

Disclaimer:^~Individual death claim settlement ratio FY-2025-26 | ^{^^^}Solvency ratio 266% as at 31 March 2026 against IRDAI mandated 150% | ^##Individual and group, as on 31st May, 2026 | ^***Asset under management (AUM) ₹1.40 lakh crore as on 31st May, 2026 | ^$$For details refer to press release published by CARE | ^*All figures are from FY 2006-07 to 31st March 2026.

Frequently Asked Questions

What are the riders that I can add to my 3 crore term plan?

You can enhance your 3 crore term plan by adding some of the below mentioned riders, among others:

Accidental Death Benefit Rider: Provides additional coverage in case of accidental death.
Critical Illness Rider: Offers a lump sum payout if diagnosed with a specified critical illness.
Disability Rider: Provides financial support if you become permanently disabled.
Waiver of Premium Rider: Ensures that future premiums are waived in case of disability or critical illness. The rider also exempts premium payments for the policy if the policyholder dies while the insured individual is still alive.

What are the tax benefits of a 3 crore term insurance?

The 3 crore term insurance premium qualifies for a deduction under Section 80C of the Income Tax Act, up to ₹1.5 lakhs, subject to specific conditions¹ under old regime. The death benefit received by the nominee is tax-free². If you have a return of premium option, the refunded premiums at maturity are also tax-exempt under Section 10(10D)³.

What are the eligibility criteria for purchasing a Rs. 3 crore term plan?

The eligibility criteria for a ₹3 crore term insurance plan typically include:

Age: Generally, applicants should be between 18 and 65 years.
Health Status: A medical examination may be required, and pre-existing conditions could affect eligibility.
Income: You may need to demonstrate sufficient income to afford the premium payments.
Lifestyle Factors: Non-smokers and those with a healthy lifestyle may receive better premium rates.

Can I increase the coverage amount during the policy term?

Most 3 crore term insurance plans do not allow for an increase in coverage amount during the policy term. However, some insurers offer the option to increase the coverage at specific intervals if it is increasing term plan. It’s essential to check with your insurer for specific terms and conditions.

How to calculate the premium for a 3 crore term insurance plan?

The premium for a 3 crore term insurance plan is determined based on several factors, including:

Age of the Policyholder: Younger individuals generally pay lower premiums.
Health Status: Medical history and current health condition affect premium rates.
Policy Term: The length of the coverage period influences the premium amount.
Lifestyle Choices: Factors like smoking, alcohol consumption, and occupation are also considered.
Riders Selected: Additional riders increase the premium.

What is the premium amount for a term plan offering coverage of ₹3 crore?

The premium for a ₹3 crore term plan depends on factors like age, health, and other details. A young, healthy individual may get the cover at lower premiums, while older people or smokers may have to pay higher premiums. The premium amount is affected by several factors, and therefore, it is different for all.

Can I Take Term Insurance for My Family?

Yes, you can buy term insurance for your family but the process and eligibility depend on who you are buying for. For example, you can buy a term plan for your spouse or parents. Check with your insurer for more details.

Should Both Husband and Wife Buy Term Insurance?

Some couples choose to have one policy together, while others buy separate plans. Each person can decide what works best for them.

What is the maximum amount of term insurance?

There is no fixed limit for term insurance. Many people get 10 times their income as cover.

Is There Any Maturity Benefit in Term Insurance?

Most standard term insurance plans do not offer any maturity benefit; they provide a death benefit only if the life assured person passes away during the policy term. If the life assured survives the entire term, no sum assured is paid out, as these plans are designed purely for risk protection.

Can I retire with ₹3 crore in India?

The decision to retire with ₹3 crore in India depends on various factors, such as your retirement age, monthly expenses, lifestyle, medical costs, outstanding loans and inflation. However, for retirement planning, you should consider supplementing term insurance with a suitable retirement or investment plan to help build a retirement corpus, since a term insurance plan is primarily a protection-oriented product and generally does not provide a maturity benefit

Is a medical test mandatory for a ₹3 crore term insurance plan?

Yes, a medical test is may be required when buying a ₹3 crore term insurance plan in India. Most insurers generally require medical screening for high-value policies to assess the applicant's health risk before issuing the policy.

What happens if you survive a ₹3 crore term insurance plan?

In a standard ₹3 crore term insurance plan, you don't receive any maturity benefit if you survive the policy term. But, if you have opted for a term plan with Return of Premium (TROP), the premiums are returned upon survival of the policy term.

Is GST applicable on a ₹3 crore term insurance plan?

No. Effective September 22, 2025, GST is not applicable on premiums paid for individual insurance plans in India.

How can I purchase a ₹3 crore term insurance plan?

You can buy a ₹3 crore term insurance plan online, which is simple and convenient. You can compare quotes from different insurers and check features like claim settlement ratio, riders, and premium costs. After selecting a plan, complete the application form, provide documents and take the medical tests. The premiums depend on your income, health status, age and gender.

How long does it take to settle a ₹3 crore term insurance claim?

For non-investigated claims, insurers are required to settle within 15 days under IRDAI rules. If they need to investigate the claim, which happens more often with high-value policies like ₹3 crore, they have up to 45 days from the date of claim intimation to make the settlement.

Can you cancel a ₹3 crore term insurance plan after purchase?

Yes. You get a free-look period of 30 days starting from the date of receipt of the policy documents. If you are not satisfied with the policy terms & conditions, you can cancel during the free-look period and get your premium back, after applicable deductions, as per the insurer's terms and conditions.

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Disclaimers:

¹5% Discount applicable for customer's first individual life insurance policy on the life of the LA, applicable only on first year’s premium. 5% Discount for salaried employees, applicable only on first year’s premium. 6% Discount on online purchase is available for regular premium payment and limited premium payment frequency on first year's premium.

⁴Above illustration is for Bajaj Life eTouch II- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N198V07) considering Male aged 23 years | Non-Smoker Preferred | Annual Income =>Rs. 15,00,000 per annum | Indian Resident | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,214. 2nd Year onwards premium is Rs. 6,736. Total Premium is Rs. 2,01,558 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage : 40, Income Payout Percentage : 60). Income payout instalment opted for 40 years | Premium shown above is inclusive of Online Discount only, no other discounts have been considered and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

⁵Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy. Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

²Get Free Health Management Services upto ₹ 31,000 per year

Health Management Services	Frequency	Cost (₹)
Doctor Insta-Consultations	3 consultations per month = 36 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000
Health Coach (Diet & nutrition consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Emotional Wellness (Psychologists consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Network discounts: Medicines (M) - 10% Lab-test booking (L) - 10%	Throughout the year	Assumption – Total expense on these services throughout the year	Total discounts that can be availed throughout the year
		M - ₹ 5,000	₹ 500
		L - ₹ 5,000	₹ 500
Total per year as per assumption		₹ 31,000

Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.

Doctor Insta-Consultations and Health Coach Services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.

⁶Through Parental Care Option available in Bajaj Life Family Protect Rider (UIN:116B056V01)

^*Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy

Bajaj Life Insurance Limited, Bajaj Life eTouch II, Bajaj Life New Critical Illness Benefit Rider and Bajaj Life Family Protect Rider are the names of the company and the product/rider respectively and do not in any way indicate the quality of the product/rider and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochure & policy document of base product and rider carefully before concluding a sale or consult your “Insurance Consultant” for more details and eligibility conditions. Bajaj Life Superwoman Term^{^} comprises of Bajaj Life eTouch II – Life Shield variant (UIN:116N198V07) a Non-linked Non- Participating Individual Life Insurance Term Plan, Bajaj Life New Critical Illness Benefit Rider – Comprehensive option (UIN: 116B058V01) a Non-Linked, Non-Participating, Individual, Pure Risk Health Rider (this is a mandatory rider) and Bajaj Life Family Protect Rider – Child Care option (UIN: 116B056V01) - a Non-linked, Non-participating, Individual, Pure Risk Health Rider (this is an optional rider).

^{^}Bajaj Life Superwoman Term comprises of Bajaj Life eTouch II – Life Shield variant (UIN:116N198V07) a Non-linked Non- Participating Individual Life Insurance Term Plan, Bajaj Life New Critical Illness Benefit Rider – Comprehensive variant (UIN: 116B058V01) a Non-Linked, Non-Participating, Individual, Pure Risk Health Rider and Bajaj Life Family Protect Rider – Child Care variant (UIN: 116B056V01) - a Non-linked, Non-participating, Individual, Pure Risk Health Rider.

Bajaj Life eTouch II is also available individually for sale without the riders or with the other available riders options under the base policy.

^{^^*}Available with Bajaj Life Family Protect Rider – Child Care option - A Lumpsum benefit equal to 105% of Total premiums paid4 w.r.t rider will be paid on the earliest occurrence of death or Accidental Total Permanent Disability, plus a monthly income as a percentage (0.1% to 0.5%) of Rider Sum Assured as opted at inception will be paid until child turns Age 25. 4Total Premiums Paid: Total Premiums paid till date w.r.t. the rider option shall be the total of all premiums received under the rider option chosen, exclusive of taxes, extra premium w.r.t. the rider, if any. This is an optional rider.

^~~~Available with Bajaj Life New Critical Illness Benefit Rider - Comprehensive option (UIN: 116B058V01) - A Non-Linked, Non-Participating, Individual, Pure Risk Health Rider. This is a mandatory rider

^{^^^}Health Management Services for Women upto ₹ 36,500 per year

Health Management Services for Women	Frequency	Cost (₹)
Comprehensive Health Check-Up: - Cancer Screening - Diabetic, Thyroid, Lipid profile tests - Calcium Serum test - Complete Blood Count test	1 per year	₹ 3,500
*OPD^{^} in-clinic consultations* (Specialist doctors like Gynaecologist, Obstetrician, Dermatologist, Paediatrician, Orthopaedic & General Physician) ^{^}OPD – Outpatient Department	1 per year	₹ 1,000
*Pregnancy OPD^* wallet** (OPD^ benefit worth ₹ 2,000 unlocked in case of pregnancy)	Once during policy term	Not considered in yearly cost since this is available once during policy term
Doctor Insta-Consultations	3 consultations per month = 36 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000
Health Coach (Diet & nutrition consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Emotional Wellness (Psychologists consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Network discounts: Medicines (M) - 10% Lab-test booking (L) - 10% Out-patient consultation (O) - 10% In-patient consultation (P) - 5%	Throughout the year	Assumption – Total expense on these services throughout the year	Total discounts that can be availed throughout the year
		M - ₹ 5,000	₹ 500
		L - ₹ 5,000	₹ 500
		O - ₹ 5,000	₹ 500
		P - ₹ 10,000	₹ 500
Total per year as per assumption		₹ 36,500

Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.

Doctor insta consultations and health coach services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.

⁷Above illustration is for Bajaj Life iSecure II - A Non-Linked Non-Participating Term Life Insurance Plan (UIN:116N208V03) considering Male aged 25 years | Non-Smoker | Policy Term (PT) – 10 years | Premium Payment Term (PPT) – 10 years | Sum Assured opted is ₹ 50,00,000 | Online Channel | Standard Life | Total Premium Paid is ₹ 1,17,340 | Medical Rates | Monthly Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

⁸If the customer is digitally KYC compliant and meets the eligibility criteria, medical, and underwriting norms.

⁹2% Discount on online purchase is available for regular premium payment and limited premium payment frequency throughout the premium payment term.

²⁷Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

²¹HSAR – High Sum Assured Rebate is subject to policy terms and conditions

²²Premium rate applicable to female life will be based on the premium rate of 3 years’ younger male

³5% Discount applicable for customer's first individual life insurance policy, applicable only on first year’s premium, 5% Discount for salaried customers, applicable only on first year’s premium, 6% Discount on online purchase is available for regular premium payment and limited premium payment frequency, applicable only on first year’s premium.

²Above illustration is for Bajaj Life Smart Protection Goal - A Non Linked, Non Participating, Individual Life Insurance Term Plan (UIN: 116N174V05) considering Male aged 25 years | Non-Smoker | Standard Life | Policy term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Total Sum Assured opted is Rs. 1,00,00,000 | Total Premium - Rs. 2,08,143 (1st Year Premium is Rs- 6535/- and 2nd Year onwards Rs -6952/- )| Online Channel | This is exclusive of discount for salaried customers and for customer's first individual life insurance policy | medical rates | Yearly Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

¹Product feature/benefit mentioned above are dependent on optional benefit, if selected.

^~Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

The views stated in this article are not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read the sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale. Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) Reg. Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006. CIN: U66010PN2001PLC015959, call us on Customer Care No. 020-6712 1212 , mail us on: customercare@bajajlife.com. The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility

^~Individual Death Claim Settlement Ratio for FY 2024-2025, as on 31^st March 2025

*Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 30years | Smoker | Policy Term(PT)– 15 years | Premium Payment Term (PPT)– 15 years | Sum Assured opted is Rs.1,50,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 13,137. 2nd Year onwards premium Rs. 14,990. Total Premium Rs. 2,22,997 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

**Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 30years | Non-Smoker | Policy Term(PT)– 15 years | Premium Payment Term (PPT)– 15 years | Sum Assured opted is Rs.1,50,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,685. 2nd Year onwards premium Rs. 7,628. Total Premium Rs. 1,13,477 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

^##Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 30 years | Non-Smoker Preferred| Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 7,862. 2nd Year onwards premium Rs. 8,522. Total Premium Rs. 2,55,000| Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

^$Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 35 years | Non-Smoker Preferred| Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 18,082. 2nd Year onwards premium Rs. 19,601. Total Premium Rs. 5,86,511| Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

^$$Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 40 years | Non-Smoker Preferred| Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 26,794. 2nd Year onwards premium Rs. 29,044. Total Premium Rs. 8,69,070 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

^%Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 45 years | Non-Smoker Preferred| Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 44,820. 2nd Year onwards premium Rs. 48,585. Total Premium Rs. 14,53,785 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

^%%Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V07) considering Male aged 50 years | Non-Smoker Preferred| Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 65841. 2nd Year onwards premium Rs. 71,370. Total Premium Rs. 21,35,571 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.

Bajaj Life Insurance Limited is only the name of the Life Insurance Company, Bajaj Life eTouch II (UIN: 116N198V07), A Non-Linked, Non-Participating, Individual Life Insurance Term Plan and Bajaj Life iSecure II, A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N208V03), Bajaj Life Superwoman Term and Bajaj Life Diabetic Term Plan II Sub 8 HbA1c, A Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan (UIN: 116N183V01) are only the name of the term insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.

^***Asset under management (AUM) ₹1.34 lakh crore as on 31st March, 2026

The risk factors of the bonuses projected under the product are not guaranteed.

Past performance of the Company doesn’t construe any indication of future bonuses

The product is subject to the overall performance of the Company in terms of investments, management of expenses, mortality and lapses.

^@Video Medical Examination Report is subject to age criteria and applicable for all cases. Physical medical examination may be required depending on customer health condition or any history of previous policy issued with extra premium etc, basis underwriting requirement.

Tax benefits as per prevailing Section 10(10D) and Section 80C (old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

BLIC-WEB-EC-22614/26

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra

Email: customercare@bajajlife.com | Customer Care No.: 020 6712 1212

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

Website Compatible Browsers: IE11, Firefox, Safari, Opera, Chrome

Disclaimer

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Life Insurance Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

¹©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

Disclaimer

Claim Settlement Ratio of 99.33%^~

3 Crore Term Insurance

What Are the Key Benefits of a ₹3 Crore Term Insurance Plan?

Term Insurance Plans from Bajaj Life Insurance

How does a ₹3 crore term insurance plan work?

Why Sum Assured is an Important Factor When It Comes to Term Insurance?

Reasons to buy Term insurance for 3 crores

How to Choose 3 Crore Term Insurance Plan?

Who should opt for 3 crore term insurance?

Documents required to buy a 3 crore term plan

Step-By-Step Process to Buy ₹3 Crore Cover Online

Factors Affecting Term Insurance Premium

Things to Consider Before Buying a 3 Crore Term Insurance Plan

Conclusion

Why Bajaj Life Insurance ?

Frequently Asked Questions

Term Insurance Guide

Customer Speaks

Popular Searches