Compare Insurance — Term & Health
Six top term-life plans and six top health-insurance plans, side-by-side. Premium illustrations are for a healthy 30-year-old non-smoker (term) and 25-year-old individual (health) — adjust expectations for your age and health profile.
Term Life Insurance — top 6 plans
Quick rule of thumb
- Cover: 10-20× annual income, minimum ₹1 Cr if you have dependents.
- Tenure: cover until age 60-65 (when liabilities end).
- Avoid Return-of-Premium: 30-50% costlier for ~2.5% return — pure term + invest the difference is better.
- Claim settlement ratio (CSR): only consider insurers with 95%+ CSR. Below that, the savings aren't worth the heartache for survivors.
| Insurer / Plan | Cover | Term | Monthly ₹ | CSR | |
|---|---|---|---|---|---|
HDFC Life Click 2 Protect Super | ₹1 Cr | 35 yrs | ₹1,250 | 99.4% | Compare quotes |
ICICI Prudential iProtect Smart | ₹1 Cr | 35 yrs | ₹1,180 | 98.5% | Compare quotes |
Max Life Smart Secure Plus | ₹1 Cr | 35 yrs | ₹1,100 | 99.5% | Compare quotes |
Tata AIA Sampoorna Raksha Supreme | ₹1 Cr | 35 yrs | ₹1,050 | 99% | Compare quotes |
LIC LIC Tech Term | ₹1 Cr | 35 yrs | ₹1,450 | 98.7% | Compare quotes |
Bajaj Allianz Smart Protect Goal | ₹1 Cr | 35 yrs | ₹1,080 | 99% | Compare quotes |
HDFC Life
Click 2 Protect SuperBest for: Highest claim settlement ratio in India
- 3 plan options
- Return of premium add-on
- Critical illness rider
ICICI Prudential
iProtect SmartBest for: Customizable cover for varied needs
- 7 plan options
- Lifetime cover option
- Accidental death benefit
Max Life
Smart Secure PlusBest for: Joint cover for couples
- Joint life option
- Special exit value
- Terminal illness benefit
Tata AIA
Sampoorna Raksha SupremeBest for: Lowest premium among top insurers
- Multiple cover options
- Return of premium
- Premium waiver on disability
LIC
LIC Tech TermBest for: Trust factor / govt-backed
- Government-owned trust factor
- Increasing/decreasing cover
- No agent middleman
Bajaj Allianz
Smart Protect GoalBest for: Inflation-linked rising cover
- Increasing sum assured
- Whole life option
- Return of premium variant
Health Insurance — top 6 plans
Quick rule of thumb
- Cover: ₹10 Lakh minimum in metros; ₹5 Lakh in tier-2/3.
- Family floater typically 30-40% cheaper than individual policies if you have a healthy family.
- Network: check that your preferred hospitals are cashless.
- Avoid sub-limits on room rent, ICU. Look for 100% restoration benefit.
- Don't bundle with insurance from your employer alone — it disappears when you change jobs.
| Insurer / Plan | Cover | Monthly ₹ | Network | CSR | |
|---|---|---|---|---|---|
HDFC ERGO Optima Secure | ₹10 L | ₹750 | 13,000 | 95% | Compare quotes |
Niva Bupa (formerly Max Bupa) ReAssure 2.0 | ₹10 L | ₹690 | 10,000 | 92% | Compare quotes |
Star Health Family Health Optima | ₹10 L | ₹720 | 14,000 | 91.5% | Compare quotes |
ICICI Lombard Health Elite | ₹10 L | ₹780 | 11,500 | 96.5% | Compare quotes |
Care Health (Religare) Care Supreme | ₹10 L | ₹660 | 7,000 | 93% | Compare quotes |
Tata AIG MediCare Premier | ₹10 L | ₹800 | 10,500 | 94% | Compare quotes |
HDFC ERGO
Optima SecureBest for: Best overall — wide network, flexible cover
- 2x sum-insured boost
- 100% restoration benefit
- No room rent capping
Niva Bupa (formerly Max Bupa)
ReAssure 2.0Best for: Long-term holders — discounts increase with claim-free years
- Unlimited restoration
- Lock-the-clock for cashless
- Live healthy discount
Star Health
Family Health OptimaBest for: Family floater with broad in-network
- Floater for entire family
- Auto-recharge of cover
- Vaccination & wellness coverage
ICICI Lombard
Health EliteBest for: ICICI banking customers, international travellers
- Highest ICICI Bank cashless network
- Add-on for international cover
- Maternity benefits
Care Health (Religare)
Care SupremeBest for: Lowest-premium quality cover
- 100% NCB on no-claim
- Air-ambulance cover
- Annual health check-up
Tata AIG
MediCare PremierBest for: Premium feature set, expat-friendly
- Global coverage option
- Maternity & infertility cover
- Reset benefit
Important: Premium illustrations above are illustrative only. Actual premiums depend on age, health, smoking, occupation, sum assured, and underwriting. Always get a personalized quote and read the policy wording before signing. We earn a referral fee on quotes initiated through these links.