Bajaj Allianz eTouch II *DETAILED REVIEW* 2025 | Bajaj Allianz Term Life Insurance | Ditto
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In today’s video, we’re reviewing one of the most underrated yet powerful term plans in the market — the Bajaj Allianz eTouch II. If you’re searching for the best term life insurance that offers smart benefits, return of premium, critical illness cover, and flexibility, then this Bajaj Allianz Life Insurance Review is just what you need.
Let’s start with the basics. Bajaj Allianz Life Insurance is one of the most trusted names in India when it comes to life insurance. With over ₹1.22 lakh crore in assets under management, a claim settlement ratio of 99.11%, and a solvency ratio that’s more than three times the regulatory requirement, this company brings a strong foundation to your financial planning. If you’re looking for solid term insurance from a reliable brand, Bajaj Allianz should definitely be on your radar.
Now let’s talk about the Bajaj Term Plan that has everyone’s attention — the eTouch II. This isn’t just another term insurance policy. The eTouch II from Bajaj Allianz packs some of the most innovative features we’ve seen in the life insurance space.
One of the biggest USPs? The Zero Cost Exit. Imagine buying a term plan with full coverage for 35+ years, and then getting all your money back if you decide to exit after turning 60. That’s exactly what the eTouch II offers. It’s a standout feature that makes this plan one of the best term life insurance options today. You enjoy full protection for decades, and then get a refund of your premiums if you walk away early. It’s real value.
This Bajaj Term Plan also includes a variant called Life Shield Plus, which adds accidental death cover, and another called Life Shield ROP, which returns your premiums at the end of the term. However, most people find the base Life Shield variant with the Zero Cost Exit more than sufficient.
If your policy term is 40 years or more and you choose limited pay options like 5, 10, or 15 years, you could even qualify for 2x the premiums you paid back under the Early Exit option. That’s right — some people could actually get double their money back. This feature alone places eTouch II among the best term life insurance policies available.
Let’s talk about critical illness coverage. The eTouch II now offers a Critical Illness Rider with three levels: 10, 25, and 60 illnesses. The payout is over and above the base sum assured, with a 90-day waiting period and a 14-day survival clause. This addition has made a strong Bajaj Allianz term plan even more compelling.
Other key inbuilt features include Terminal Illness Benefits (up to ₹2 crore paid out in advance), Waiver of Premium for terminal illness and ATPD, and Auto Cover Continuation, which lets you delay premium payments for up to 12 months without policy lapse. These thoughtful benefits are rare to find bundled in one plan, but Bajaj Allianz has managed to do it smartly with eTouch.
There’s more. Riders like Family Protect ensure financial support for your parents if you pass away or suffer a total permanent disability. And with the Premium Holiday Add-on, you can skip premiums during financial crises, and if unused, Bajaj Allianz waives the final 1–3 payments. This level of flexibility is why this Bajaj Allianz Life Insurance Review ranks the eTouch II so highly.
Bajaj Allianz also offers Health Management Services post-policy issuance worth up to ₹36,500, including annual health checkups and health coaching. It’s a nice extra for those seeking added value from their term plan.
And if you’re an NRI, Bajaj Allianz allows you to buy this policy while abroad. They’ll arrange medicals overseas at no extra cost, provided some conditions are met — a huge plus if you want to secure life insurance without traveling back to India.
Bottom line: This isn’t just a plan. It’s a complete life insurance solution. The combination of strong brand trust, advanced features, flexible payouts, critical illness protection, and unmatched pricing makes the eTouch II one of the best term life insurance products in India right now. Whether you’re 25 or 45, salaried or self-employed, this Bajaj Term Plan deserves your attention.
Still not sure which one suits you better? No worries. Book a free call with Ditto’s expert advisors—we’ll help you make a decision that’s right for your health and wallet – https://ditto.sh/2mjuac
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