R
ReviewerVerified
1 month ago
My investment-linked plan from Bharti AXA Life has performed reasonably and the premium allocation is transparent. However, reaching support during a query about my nominee update was frustrating, with long hold times. The product is fine; the service could be smoother.
Transparent premium allocation
Long support hold times
I tried to partially surrender my Bharti AXA Life savings plan and the deductions were far higher than what the agent had implied at sale. The branch staff could not give me a clear breakup of charges, and I felt misled about the actual liquidity of the plan.
High surrender charges, unclear breakup
Bharti AXA Life made buying a term cover genuinely painless. The medical test was arranged at my home, the policy was issued within days, and every charge was explained clearly. For a young family, this gave me real peace of mind without the usual insurance runaround.
Fast issuance, home medicals
The term plan was easy to buy online and reasonably priced. But I have had two instances where the renewal payment did not reflect immediately and I panicked about lapsing. It eventually got sorted, yet the uncertainty makes me cautious about recommending it outright.
Easy online purchase
Payment reflection delays
The savings plan does what it promises and I get my premium reminders on time. The mobile app, though, frequently logs me out and the statements take ages to load. Decent insurer, but the digital side feels dated compared to newer players.
Reliable premium reminders
Buggy, slow app