Minimum sum insured is ₹1,00,000, increased in ₹10,000 multiples
the maximum depends on the insured person's earning capacity under Star Health's rules.
Entry age is 18–70 years
dependent children can be covered from 5 months, with family cover including children up to 25 years.
The published premium matrix supports one-year, two-year and three-year policy terms.
Premium is quoted per ₹1,000 of sum insured (per mille), excluding tax, by cover table and risk group. One-year rates are Table A ₹0.43/₹0.60/₹0.80, Table B ₹0.70/₹1.30/₹1.75 and Table C ₹1.25/₹1.75/₹2.00 for Risk Groups I/II/III. Two-year rates are A ₹0.83/₹1.16/₹1.54, B ₹1.35/₹2.51/₹3.38 and C ₹2.41/₹3.38/₹3.86. Three-year rates are A ₹1.20/₹1.68/₹2.24, B ₹1.96/₹3.63/₹4.89 and C ₹3.49/₹4.89/₹5.59.
The Accident Care Individual Insurance page publishes accident benefits, entry age and family definition but no waiting-period duration for the policy
the linked brochure is required for plan-specific waiting rules.
Accidental death
permanent or temporary disablement
ambulance
transportation of mortal remains
home convalescence
The current Accident Care page does not publish a complete exclusions list
exclusions and claim limitations are left to the Star Health policy wording/brochure linked from the product materials.
new-born cover is available from 3 months under the listed family-cover terms.
One-year policy with lifelong renewability.
₹1,315 to ₹67,921 before across the official ₹1 lakh–₹5 lakh sum-insured, age-band and floater-member tables. Rates include charges. Half-yearly, quarterly and monthly instalments total 103.5%, 105% and 106% of annual premium respectively
direct sale receives a 10% discount.
30 days for illness other than accidents
pre-existing diseases after 48 months
specific diseases have two- or four-year waiting periods.
Individual or floater hospitalisation cover including allopathy and , pre/post-hospitalisation up to 30/60 days, ambulance up to ₹2,000 per hospitalisation, modern treatments up to 50% of sum insured, cataract up to 25% of sum insured or ₹40,000 per eye, cashless network-hospital treatment and lifelong renewability.
5% co-pay applies to every claim. Room rent is limited to 2% of sum insured or ₹5,000 per day, whichever is lower
/ is limited to 5% or ₹10,000 per day. Cataract is limited to 25% of sum insured or ₹40,000 per eye, and pre-existing diseases are covered after 48 months.
Compulsory owner-driver personal accident cover has a maximum capital sum insured of ₹15 lakh. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for other permanent total disablement.
Not published for the insured person. The official page is vehicle-focused and sets owner-driver cover by registered ownership and an effective driving licence
it does not state a minimum or maximum age for purchasing the private-car policy.
The period of insurance is the period stated in the policy schedule
the reviewed wording does not publish one universal duration for every quotation.
The quotation premium is stated in the policy schedule and varies with the selected cover. On cancellation, the wording retains at least ₹100 (or ₹25 for vehicles specifically designed or modified for blind, handicapped or mentally challenged persons), subject to the short-period retention table.
No general waiting period is stated for the base private-car package cover. Certain optional covers have their own activation restrictions
for example, Engine Secure excludes loss or damage occurring within the first 15 days of policy inception.
The Tata package covers accidental, fire, theft, riot/strike, natural-calamity, terrorist/malicious-act, landslide/rockslide and transit loss or damage to the insured vehicle, plus third-party bodily-injury/death liability and up to ₹7.50 lakh third-party property-damage compensation.
The package excludes losses outside the geographical area, contractual liability, use outside the stated limitations or by an unauthorised driver, consequential loss, nuclear contamination or weapons, and war, invasion, hostilities, civil war, mutiny, rebellion or usurped power. Add-ons also carry specific exclusions such as unauthorised repairs, invalid own-damage claims, wear and tear, manufacturer warranty/recall losses, and alcohol or drug-related incidents.
The vehicle's Insured Declared Value () is the sum insured for own-damage and is fixed at commencement of each policy period
standard owner-driver personal-accident cover is available up to ₹15,00,000. Third-party death, bodily injury and property damage are covered subject to the policy schedule and law.
No customer-age entry rule is published for this vehicle policy
eligibility is tied to the insured two-wheeler, its owner-driver and the policy schedule.
The period of insurance is the period stated in the policy schedule
the wording permits a policy year where the period exceeds one year and does not publish one universal duration for every quote.
The premium is the amount shown in the policy schedule and is quote/vehicle-specific
the reviewed page and base wording do not publish a universal purchase premium or tariff.
No general waiting period is published for the base two-wheeler package cover. The cover operates during the period of insurance
add-ons and claim conditions remain subject to their individual wording and schedule.
The policy offers mandatory liability-only cover for third-party property damage, bodily injury and death, plus owner-driver personal accident cover, and a comprehensive package covering own damage, third-party liability and owner-driver accidental death or permanent/temporary disablement.
The policy excludes consequential loss, depreciation/wear and tear, mechanical or electrical breakdown, tyre/tube loss unless the vehicle is damaged at the same time (then limited to 50% of replacement cost), accessory theft unless the vehicle is stolen at the same time, use outside the stated limitations or by an unauthorised driver, intoxicated driving, nuclear risks, war/hostilities and losses outside the geographical area.
Commercial property insurance for business buildings and structures, plant and machinery, stock and other business assets
Tata General Insurance Company Limited.
The page does not publish a single overall sum-insured cap
selected in-built sub-limits include additions/alterations up to 15% of item sum insured, money/documents up to ₹50,000, data up to ₹5 lakh, personal effects ₹15,000 per person for up to 20 people, start-up expenses ₹1 lakh, professional fees 5% of claim and debris removal 2% of claim.
No age-based entry rule is published. The policy is available to businesses that manufacture or produce goods or provide services, where the proposer owns or is legally responsible for the business and the total value of insurable assets at one location is not more than ₹5,00,00,000 at policy commencement.
The policy period is the period shown in the policy schedule, commencing on the inception date and ending at the scheduled expiry
the prospectus does not print one universal duration for every policy.
The premium amount and applicable taxes are shown in the policy schedule for the selected covers and policy period
the prospectus does not publish a universal purchase premium or tariff. Premium must be paid in full for the policy to commence.
No general waiting-period duration is stated in the product page or six-page prospectus. Cover is tied to insured events occurring during the policy period
section conditions, excesses and exclusions still apply.
Standard cover, in-built covers and standard add-ons
declaration policy for stocks is available on payment of additional premium
The prospectus excludes, among other listed items, wear/tear and gradual deterioration, defective design or workmanship, war and nuclear risks, pollution/contamination (subject to the stated insured-event exception), missing or mislaid property, bullion/unset precious stones unless separately declared, consequential or indirect loss, marine-policy-covered loss (except excess), and claim-preparation costs. The policy wording controls the complete list.
Liability is limited to the sum insured stated against each item or the total sum insured in the policy schedule. Cover indemnifies the intrinsic value of property at the insured business premises and damage to the premises caused by burglary or house-breaking
first-loss arrangements must be stated in the schedule.
The policy is written for an insured business premises and the insured named in the policy schedule
the reviewed page and both policy wordings publish no customer-age threshold. Business property, stock, plant and machinery and other scheduled items must be declared and reasonably protected.
Cover runs during the period stated in the policy schedule, including any renewal or extension accepted by the insurer. The wordings do not print one universal duration
the insured or insurer may cancel with 7 days' written notice subject to the stated refund/short-period rules.
The premium is the amount stated in the policy schedule for the selected premises, items and limits. Optional extensions such as riot, strike, malicious damage and terrorism require additional premium
cancellation is settled under the insurer's short-period or unexpired-period rules rather than a universal published purchase price.
No general waiting-period duration is stated. Cover operates during the scheduled period of insurance, but the policy ceases to attach while the premises are left uninhabited by day and night for seven or more consecutive days unless insurer consent is obtained
this is a risk-cessation condition, not a waiting period.
Stock, plant and machinery, cash and other contents
burglary, theft and housebreaking
riot, strike, malicious damage and terrorism may be added for extra premium
The National Insurance wording excludes valuables, money and securities unless specifically insured
losses involving an employee, household member or lawful person in the premises
losses recoverable under another policy
riot, strike, terrorism, earthquake, flood, storm and cyclone unless covered
war and nuclear risks
consequential loss or legal liability
and money taken from a safe using its key unless the key was obtained by assault or violence. Cover ceases while premises are uninhabited for seven or more consecutive days or risk is materially increased without insurer consent.
Cholamandalam MS General Insurance Company Limited
CholaMS Group Health Insurance offers individual and family-floater cover for up to seven family members, with sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year policy term.
Family-floater coverage includes self, spouse, three dependent children and dependent parents up to two
individual coverage includes self, spouse, three dependent children and dependent parents up to two, or self under the individual-plan row. Adults are eligible from 18 to 70 years and children from 3 months to 26 years. Pre-acceptance medical check-up is not required.
1 year from the commencement date
renewable subject to the policy terms.
The CholaMS Group Health Insurance page publishes sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year term, but does not publish a premium amount. The payable premium depends on the selected plan, members and insurer quote.
The policy applies a 30-day waiting period for sickness or illness (nil for accidents), 12 months for specified illnesses, 24 months for pre-existing diseases or conditions and nine months for maternity expenses.
CholaMS Group Health Insurance offers individual and family-floater cover for up to seven family members, with sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year policy term.
The page excludes alcohol/drug or substance abuse, non-prescription dietary supplements, refractive-error correction below 7.5 dioptres, and circumcision unless medically necessary or due to accidental injury
maternity does not include pre- or post-hospitalisation expenses. The master policy wording controls the complete exclusions list.
Cholamandalam MS General Insurance Company Limited
Compulsory personal-accident cover compensates up to ₹15 lakh for accidental death or disability of the registered owner-driver while driving or getting into or out of the insured vehicle, provided the owner holds an effective driving licence.
Not published for the insured person. CholaMS's official Bank of Baroda page covers vehicle classes and says compulsory owner-driver personal-accident cover requires the registered owner to hold an effective driving licence
it does not provide an age threshold.
Motor insurance policies are annual policies renewed after twelve months
with approval of the competent authority, the policy period may be longer or shorter than twelve months.
The premium is quote-based: CholaMS says it is calculated using the vehicle's make and value, year of manufacture, registration state and other risk factors
the page does not publish a universal amount.
No general waiting-period duration is published on the official page. The page describes own-damage, third-party and add-on cover, with activation and claim conditions governed by the selected policy schedule and wording.
The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.
For third-party cover, claims are subject to the accident not being deliberate and the driver not being under the influence of alcohol or drugs. Own-damage and add-on exclusions remain subject to the selected policy wording and schedule.
Diabetes-focused individual or family-floater health insurance
Star Health and Allied Insurance Company Limited
The Diabetes Safe policy offers ₹3 lakh, ₹4 lakh, ₹5 lakh and ₹10 lakh sum-insured options.
18 to 65 years for people living with diabetes mellitus
The policy is available for one-year, two-year or three-year terms
for terms longer than one year, the basic sum insured applies separately to each year without carry-over.
The official prospectus illustrates Plan A premiums (taxes excluded) for ₹5 lakh cover: age 44₹20,233, age 47₹22,983, age 58₹30,413 and age 64₹37,205 for an individual policy
floater examples are ₹32,177 for ages 44/47 and ₹51,820 for ages 58/64. Actual premium varies by age, plan, cover and loading.
Plan A covers diabetes and its complications without a waiting period after acceptance
Plan B applies a 12-month wait for diabetes complications. Both plans apply a 30-day initial wait for other illnesses (except accidents), 24 months for specified diseases and 36 months for pre-existing diseases.
Hospitalisation
outpatient consultations, diagnostics and medicines
accidental death
kidney-donor expenses
artificial limbs
all day-care procedures
Published exclusions include treatment during a waiting period, obesity or weight-control procedures, investigation and evaluation admissions, sterility or infertility treatment, self-inflicted injury, and spectacles, contact lenses or dental treatment
The current Family Health Optima page states a single family-floater sum insured ranging from ₹5 lakh to ₹25 lakh. The Bank of Baroda product page's earlier brochure listing also shows ₹3 lakh and ₹4 lakh options
confirm the currently available options at quote time.
Adults 18 to 65 years
renewals after 65
children from 16 days
The policy can be taken for 1 year or 2 years and is renewable for life when renewed under the policy terms.
The prospectus attaches complete one-year and two-year premium charts (excluding tax), split by Zone A-D, family composition, age band and sum insured. For example, Zone A non-parent cover for one adult and one child ranges from ₹7,968 at 16 days-35 years with ₹1 lakh sum insured to ₹21,279 with ₹25 lakh
the same row is ₹12,516 for ₹5 lakh and ₹15,019 for ₹10 lakh. Zone D parent/parent-in-law cover for each parent ranges from ₹7,779 at up to age 50 with ₹3 lakh sum insured to ₹76,330 above age 80 with ₹25 lakh. Two-year Zone A non-parent cover for one adult and one child ranges from ₹15,139 at 16 days-34 years with ₹1 lakh to ₹40,430 with ₹25 lakh, and rises to ₹3,18,108 for the above-80 row with ₹25 lakh. All quoted chart amounts exclude tax
the exact premium depends on the insured family, zone, age band and sum insured.
assisted reproduction treatment: 36 months from first inception.
All day-care procedures
organ-donor expenses
assisted reproduction
domiciliary hospitalisation when treatment exceeds 3 days
The prospectus applies a 30-day initial waiting period except accidental hospitalisation, a 24-month waiting period for specified illnesses/procedures and a 48-month waiting period for pre-existing diseases. The coded exclusion schedule also covers investigation-only admissions, rest cure/rehabilitation, obesity treatment outside the stated conditions, cosmetic or gender-reassignment treatment, hazardous/adventure sports, breach of law, excluded providers, alcohol or drug abuse, dietary supplements, refractive error below the stated threshold, unproven treatment, infertility, maternity outside the stated benefit, congenital conditions, intentional self-injury, war/nuclear risks, non-allopathic treatment and dental treatment outside covered accidental injury.
The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).
The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).
The policy period is the period shown in the schedule
the personal-accident wording refers to the annual character of that section. The reviewed page and do not print one universal duration independent of the schedule.
No universal premium amount or rate is printed in the official page or the reviewed policy documents. The schedule sets the premium for the selected sections and sums insured
a quote is required.
No general waiting-period duration is stated for the bundled House Holders Insurance policy. Cover and section limits apply during the period of insurance shown in the schedule, subject to the individual section conditions and exclusions.
Covered for up to 120 days in aggregate and up to one-tenth of total contents sum insured
The policy excludes, among other things, loss caused by war and related hostilities, nuclear risks, deliberate or wilful acts, employee/family involvement in burglary, wear/tear and mechanical or electrical breakdown where the relevant section excludes it, use of pedal cycles for racing or hire/reward, theft of specified valuables and documents, and liability arising from the insured's profession/business or alterations to the premises.
The rate chart illustrates ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh and ₹5 lakh sum-insured options.
18 to 85 years for employer-employee groups
14 to 85 years for non-employer-employee groups
IndiaFirst Group Term Plan is a yearly renewable term plan, available to members for one year from the date of issuance. Members joining during the plan year receive cover only for the balance period until the master plan renews.
Annual premium before ranges from ₹138 to ₹9,565 across the ₹1–₹5 lakh illustrations and age groups 18–34, 35–49, 50–59 and 60–70
the chart also publishes -inclusive values and joining-month adjustments.
No general waiting period is stated. Cover starts once the premium is received and any applicable underwriting criteria are met. A 30-day grace period applies to premiums falling due within the first year
if unpaid by the end of grace, cover ceases.
Minimum 10 members for employer-employee groups
20 for
50 for non-employer-employee groups
There is no maturity or survival benefit and no surrender or paid-up value. If a member dies by suicide within 12 months from the cover commencement date, the nominee receives 80% of premiums paid (excluding extra premium), rather than the full sum assured. Death benefits are otherwise payable only during the plan term after premium and underwriting conditions are met.
Entry age is at least 25 years for regular or limited premium and has no minimum for single premium. Maximum entry age is 55 years for regular premium, 70 years for limited premium and 75 years for single premium. Maturity age is 40 to 80 years at the end of the plan term.
Entry age is at least 25 years for regular or limited premium and has no minimum for single premium. Maximum entry age is 55 years for regular premium, 70 years for limited premium and 75 years for single premium. Maturity age is 40 to 80 years at the end of the plan term.
Not published
Not applicable. The official Customer Information Sheet explicitly marks the waiting/lien period as not applicable
the policy's grace and revival rules remain separate payment conditions.
Guaranteed returns, growing retirement corpus, and tax treatment stated under Sections 80CCC and 10(10D), subject to applicable law
For suicide within 12 months from commencement of risk or revival, the nominee receives at least 80% of total premiums paid or the surrender value, whichever is higher, provided the policy is in force.
Non-participating, non-linked money-back life insurance
IndiaFirst Life Insurance Company Limited
From ₹50,000
no maximum subject to underwriting
15 to 50 years for 9- or 12-year plans
15 to 55 years for 15- or 18-year plans
9, 12, 15 or 18 years
Minimum premium depends on premium-paying term and frequency. For 5-year pay: ₹3,654 monthly, ₹10,878 quarterly, ₹21,499 half-yearly or ₹42,000 yearly
for 7-year pay: ₹1,044, ₹3,108, ₹6,142 or ₹12,000
for 10-year pay: ₹522, ₹1,554, ₹3,071 or ₹6,000
for 12-year pay: ₹522, ₹1,554, ₹3,071 or ₹6,000. Applicable taxes are extra.
The standard (non--LI) plan has no separate waiting period stated in the reviewed brochure. If sold through the -LI channel, a 90-day waiting period applies from acceptance of risk: non-accidental death during it pays 100% of total premiums paid, while accidental death receives the entire death benefit.
Higher of 10 times annualised premium or sum assured on maturity, plus accumulated guaranteed additions
If the life assured dies by suicide within 12 months from commencement of risk or revival, the nominee receives the higher of 80% of total premiums paid to the date of death or the surrender value available then, provided the policy is in force. Other benefit limitations and underwriting conditions remain governed by the policy terms.
Non-linked, non-participating individual pure term life insurance
IndiaFirst Life Insurance Company Limited
From ₹50 lakh
no maximum limit
Minimum entry age 18 years
maximum entry age 65 years.
5 to 81 years.
₹270 monthly
₹803 quarterly
₹1,587 half-yearly
₹3,100 yearly
No health waiting period is stated for this pure term plan. If death is due to suicide within 12 months from commencement of risk (or from revival, as applicable), the nominee receives 80% of total premiums paid to date or the available surrender value, whichever is higher, provided the policy is in force.
Lump sum or monthly instalments over 5 years
The brochure's suicide clause applies for the first 12 months from commencement of risk or revival, with the 80% premium/surrender-value payment described in the waitingPeriod fact. The plan has no surrender value, no maturity or survival benefit, and no loan facility
other exclusions and claims conditions are governed by the issued policy wording.
Non-linked, participating individual savings life insurance
IndiaFirst Life Insurance Company Limited
Up to 11 times annualised premium, depending on age, payment option and Goal Protection Benefit
90 days for limited terms or 18 years for whole life
maximum 55 without Goal Protection Benefit or 50 with it
20, 30 or 40 years, or whole life to age 100
₹5 lakh single
₹48,000 yearly
₹24,500 half-yearly
₹12,500 quarterly
₹4,500 monthly
No separate medical waiting period is stated in the reviewed product page or policy document. The product instead offers Immediate Income (from the end of the first policy month) or Deferred Income, with the policy's chosen deferment period governing when income begins.
Immediate or deferred income, including income from the end of the first policy month
life cover and income up to age 100
cash and terminal bonuses if declared
If the life assured dies by suicide within 12 months from the risk commencement date or policy revival (as applicable), the nominee or beneficiary receives the higher of 80% of total premiums paid to the date of death or the surrender value at that date, provided the policy is in force. Other exclusions and underwriting conditions are governed by the policy wording.
Non-participating, non-linked individual savings life insurance
IndiaFirst Life Insurance Company Limited
₹5 lakh
no maximum
Lumpsum option: 8 to 60 years
Income option: 4 to 55 years.
Lumpsum: 10 to 25 years
premium payment: 5, 6, 7, 8, 10 or 12 years
income variants: 5-5-5, 6-6-6, 7-7-7 or 7-8-6
₹50,000 yearly
₹25,595 half-yearly
₹12,950 quarterly
₹4,350 monthly
For the -LI channel, a 90-day waiting period from acceptance of risk applies. For a non-accidental death during those 90 days, the benefit is 100% of premiums paid
accidental death receives the entire death benefit. The sheet does not state this -specific rule for other distribution channels.
Income or lump-sum option
death benefit in one payment or 5-year instalments
life cover continues for one year after one missed premium when the first two full annual premiums were paid
Suicide exclusion: if the life assured dies by suicide within 12 months of commencement of risk or revival, the nominee receives the higher of 80% of total premiums paid to the date of death or the surrender value available on that date, provided the policy is in force. The policy's waiting, lapse, paid-up and underwriting conditions also limit benefits as described in the policy document.
This deferred-annuity plan does not use a single fixed sum-insured amount. During the deferment or premium-paying period, death benefit is 105% of total premiums paid for single life (and for the second death in joint life). Under the return-of-purchase-price options after deferment, 100% of the purchase price or total premiums paid is payable as specified by the selected annuity option.
Entry age is 45 to 80 years. Minimum premium is ₹50,000 with no maximum subject to the annuity amount. Minimum annuity is ₹12,000 yearly, ₹6,000 half-yearly, ₹3,000 quarterly or ₹1,000 monthly. Limited premium-paying terms are 2 to 10 years
Entry age is 45 to 80 years. Minimum premium is ₹50,000 with no maximum subject to the annuity amount. Minimum annuity is ₹12,000 yearly, ₹6,000 half-yearly, ₹3,000 quarterly or ₹1,000 monthly. Limited premium-paying terms are 2 to 10 years
Not published
No separate medical waiting period is published. The annuity is deferred for the chosen premium-paying term: 2, 3, 4, 5, 6, 7, 8, 9 or 10 years. No annuity is payable during this deferment
payments start after the premium-paying term when the policy is in force.
No fixed maximum
depends on the annuity amount purchasable under the policy
Suicide exclusion applies only to a deferred annuity during the deferment period. If the annuitant (or last survivor in joint life) dies by suicide within 12 months of commencement of risk or latest revival, the higher of 80% of total premiums paid or surrender value is payable if the policy is in force
the clause does not apply during the annuity period. Critical-illness benefits also apply only to the policy's defined 20 illnesses and their stated disease-specific exclusions.
No separate medical waiting period is stated in the current policy document. Risk begins on the Policy Commencement Date shown in the schedule
the 30-day free-look and premium grace periods are administrative rights, not coverage waits.
Guaranteed income, return of total premiums at the end of income period, and death benefit as lump sum or monthly income for 5 years
optional riders available
For suicide within 12 months from commencement of risk or revival, the nominee receives 80% of total premiums paid or the surrender value, whichever is higher, provided the policy is in force. The full policy wording controls any other exclusions.
Unit-linked, non-participating life insurance endowment policy
IndiaFirst Life Insurance Company Limited
The policy schedule records the chosen Sum Assured
on death while in force, the plan pays the highest of the Sum Assured, Fund Value or 105% of total premiums paid (less applicable recent partial withdrawals), subject to the policy terms.
5 to 65 years
Regular premium: 10 to 70 years
limited premium: 10 to 25 years
single premium: 5 to 20 years
Regular, limited or single premium
No separate medical waiting period is stated. Risk cover starts on the policy commencement/risk commencement date in the policy schedule
the product's five-year lock-in limits withdrawals and proceeds but is not a medical waiting period.
Market-linked fund options with automatic trigger-based investment strategy, life cover and partial withdrawals after lock-in
For suicide within 12 months from policy commencement or revival, the nominee receives the Fund Value at death notification and eligible post-death charges are added back (rather than the normal death benefit). Investment losses and policy charges remain subject to the terms
Regular/limited pay: generally 7–10 times annualised premium depending on entry age
single pay: 1.25 times single premium, subject to the selected option and policy terms.
Minimum entry age is 91 days for the Life option and 18 years for Extra Shield or Family Care
maximum entry age is 65 years. Maturity age is 18–99 years. Policy terms range from 5 to 99 years
premium-paying terms range from 5 to 20 years. Minimum premium is ₹48,000 for regular/limited pay and ₹2,50,000 for single pay.
Policy term 5–99 years
premium-paying term 5–20 years, depending on payment mode and plan option
₹48,000 for regular or limited pay
₹2,50,000 for single pay
No health-style waiting period is published for this life-and-investment policy. Linked-policy liquidity is restricted by a 5-year lock-in: surrender or partial withdrawal proceeds generally cannot be paid before five completed policy years, subject to the death and other contingencies in the policy.
The plan has zero premium-allocation and policy-administration charges, return of mortality charges, free fund switches, 10 fund choices, six investment strategies and three plan options: Life, Extra Shield and Family Care.
Suicide exclusion: if death is due to suicide within 12 months of commencement or revival, the beneficiary receives the fund value on intimation (with later-recovered charges added back except fund-management and guarantee charges). The policy also limits or suspends risk cover after premium discontinuance, and charges/benefits are subject to the policy schedule, proposal, underwriting and applicable fund-management, mortality and discontinuance terms.
Premiums are paid for 5, 7 or 10 years while cover continues for the entire policy term.
For policies sourced through the Point of Sale () channel, a 90-day waiting period applies from acceptance of risk. During that period, a non-accidental death pays 100% of premium paid
after the period, the sum assured on death applies. Accidental death is not subject to this waiting period, and the waiting period is not applied on policy revival.
Annual guaranteed additions are provided under the policy, subject to the policy terms.
Suicide exclusion: if the life assured dies by suicide within 12 months of commencement of risk or revival, the nominee receives the higher of 80% of total premiums paid to the date of death or the surrender value at that date, provided the policy is in force. The policy also limits accidental-death and other benefits to the conditions in the policy schedule and applicable underwriting terms.
Participating limited-premium money-back life insurance
IndiaFirst Life Insurance Company Limited
₹1.5 lakh
no maximum
3 years for 15-year term, 8 years for 10-year term
maximum 50 years
10, 15, 20 or 25 years
₹18,000 yearly
₹9,215 half-yearly
₹4,662 quarterly
₹1,566 monthly
No separate medical waiting period is stated. Life cover starts on the Risk Commencement Date shown in the policy schedule
the normal premium, grace-period and policy conditions apply.
103% of one annualised premium before the last premium
maturity sum assured plus accrued bonus if any
one-year life-cover continuation after a missed premium once two full policy years are paid
If death is due to suicide within 12 months from commencement of risk or revival, the nominee receives the higher of 80% of total premiums paid or the surrender value, provided the policy is in force. Other benefit conditions, including premium payment and policy exclusions, are controlled by the policy wording.
Entry age is 18–70 years and maturity age is 40–80 years. Minimum policy/premium-paying term is 5 years for single pay, 15 years for 8/10-year regular pay and 16 years for 15-pay. Minimum premium is ₹60,000 yearly, ₹30,000 half-yearly, ₹15,000 quarterly, ₹5,000 monthly or ₹1,50,000 single pay. Death sum assured is 105% of total premiums paid.
Entry age is 18–70 years and maturity age is 40–80 years. Minimum policy/premium-paying term is 5 years for single pay, 15 years for 8/10-year regular pay and 16 years for 15-pay. Minimum premium is ₹60,000 yearly, ₹30,000 half-yearly, ₹15,000 quarterly, ₹5,000 monthly or ₹1,50,000 single pay. Death sum assured is 105% of total premiums paid.
Not published
Not applicable as a health-claim waiting period: this is a unit-linked pension/life plan. The brochure instead imposes a five-year liquidity lock-in
complete or partial withdrawal is not available until the end of year five.
Two options: Retire Smart pays the higher of 105% of total premiums paid or fund value on death and returns mortality charges at vesting when conditions are met
Retire Secure pays the death benefit as a lump sum, pays future premiums into the fund and continues to vesting. At vesting, the fund value is payable, with annuity or partial-commutation choices under the policy.
Investment risk is borne by the policyholder: fund values and can rise or fall and returns are not guaranteed. The five-year lock-in prevents surrender or partial withdrawal before year five
early discontinuance transfers value to the discontinued policy fund subject to discontinuance charges and applicable rules. Guaranteed additions apply only to the first policy-year premium, require annualised premium above ₹60,000, do not apply to top-ups and are recovered if cancelled during the free-look period.
Entry age is 18–65 years. For the ROP option, maturity age is 28–85 and policy term is 10–67 years
Entry age is 18–65 years. For the ROP option, maturity age is 28–85 and policy term is 10–67 years
Not published
The base life cover has no separate waiting period stated. If the optional Waiver of Premium benefit is selected, a 180-day waiting period applies to the covered critical-illness claims
this condition does not delay the base death cover.
Death benefit
terminal-illness benefit
return of premiums when that option is selected
For suicide within 12 months from commencement of risk or revival, the nominee receives 80% of total premiums paid or the surrender value, whichever is higher, provided the policy is in force. Optional riders and the waiver benefit have their own terms and exclusions.
Up to 100 times the annualised premium, subject to plan terms
Entry age is 3–65 years and maturity age is 18–85 years. Policy terms are 15, 20 or 25 years
premium-paying terms are 5–10 years. Minimum premium is ₹36,000 yearly, ₹18,000 half-yearly, ₹9,000 quarterly or ₹3,000 monthly, with no maximum stated. withdrawals/surrender are unavailable during the first five years.
Entry age is 3–65 years and maturity age is 18–85 years. Policy terms are 15, 20 or 25 years
premium-paying terms are 5–10 years. Minimum premium is ₹36,000 yearly, ₹18,000 half-yearly, ₹9,000 quarterly or ₹3,000 monthly, with no maximum stated. withdrawals/surrender are unavailable during the first five years.
Entry age is 3–65 years and maturity age is 18–85 years. Policy terms are 15, 20 or 25 years
premium-paying terms are 5–10 years. Minimum premium is ₹36,000 yearly, ₹18,000 half-yearly, ₹9,000 quarterly or ₹3,000 monthly, with no maximum stated. withdrawals/surrender are unavailable during the first five years.
No separate medical waiting period is stated. Risk commences from the policy commencement date. A five-year lock-in restricts withdrawal of proceeds (except specified contingencies)
it is not a medical waiting period.
Higher of fund value, sum assured or 105% of total premiums paid
For death due to suicide within 12 months from policy commencement or revival, the nominee receives the Fund Value at death intimation, with eligible post-death charges added back (rather than the normal death benefit). The policy also makes investment risk and policy charges subject to the terms
Unit-linked, non-participating savings plan providing life cover with market-linked investment options
IndiaFirst Life Insurance Company Limited
For regular and limited premiums, minimum sum assured is 7× annualised premium
the maximum is an age/term-based multiple (10× for ages 5–39 and 1.25× for ages 40–65 in the published table). For single premium, sum assured is 125% of single premium, subject to the product limits and underwriting.
For a 5-year premium-paying term, entry age is 5–55 years and maturity age is 18–70 years. For single, regular or limited pay of 10/15/20 years, entry age is 5–65 years and maturity age is 18–90 years.
Regular/limited pay: 10–85 years for 5-year , 15–85 years for 10-year , 20–85 years for 15-year and 25–85 years for 20-year . Single pay: 5–30 years. Maximum entry age is 55 for the 5-year and 65 for single/regular/limited 10-, 15- and 20-year .
Minimum regular/limited premium: ₹20,833 monthly, ₹62,500 quarterly, ₹1,25,000 half-yearly or ₹2,50,000 yearly. Minimum single premium: ₹5,00,000. Maximum premium has no stated cap, subject to the board-approved underwriting policy.
This is a linked unit-linked life policy, not a health policy
no illness waiting period is stated. A 5-year lock-in applies: linked-policy proceeds generally cannot be paid before five completed years, except on death or another covered contingency. Partial withdrawals and surrender are restricted during this lock-in.
The unit-linked savings plan offers market-linked returns, seven fund options, automatic-trigger, fund-transfer and age-based investment strategies, loyalty benefits/profit booster/loyalty advantage, unlimited free switches and premium redirection, online purchase and life cover.
The policy's material exclusions and limitations include the 5-year linked-policy lock-in, cessation/reduction of risk cover after premium discontinuance, market and risk borne by the policyholder, non-guaranteed fund performance, and policy-specific charges. The policy document also states that suicide within 12 months is handled by paying the fund value under its suicide-exclusion clause
exact terms in the policy schedule and underwriting apply.
The policy can be taken by a person aged 5 months to 65 years. Children can be covered only along with their parents.
One, two or three years
for terms longer than one year, the basic sum insured applies separately for each policy year without carry-over.
The official prospectus publishes one-year Zone 1 and Zone 2 premiums for every listed age band and base sum insured
the complete charts are shown above. Premiums exclude . Instalment loading is 4% monthly, 3% quarterly and 2% half-yearly.
30 days for illnesses from first commencement (accidents are excepted)
specified diseases/procedures have a 24-month wait
pre-existing diseases have a 36-month continuous-coverage wait.
Medi Classic from Star Health reimburses hospitalisation expenses arising from illness, disease, sickness or accidental injury. It offers all-day-care procedures, health check-up costs, optional hospital cash and patient-care cover.
The policy wording excludes investigation-only admissions
pregnancy and maternity (except ectopic pregnancy)
infertility and assisted reproduction
congenital external defects
non-allopathic treatment above the stated limit
treatment outside India
cosmetic/plastic surgery except when medically necessary after an accident
refractive-error correction below 7.5 dioptres
dental and hearing aids
weight-control programmes
intentional self-injury
alcohol/drug-related treatment
/
war, invasion and nuclear perils
naturopathy
unproven, experimental or unconventional therapies
sterility
circumcision unless medically necessary
convalescence and nutritional deficiency
hospital registration/telephone and other non-medical charges
spectacles, contact lenses, hearing aids, wheelchairs and similar aids
medically unnecessary admissions
and diseases or expenses listed as permanent exclusions in the schedule. This is a summary
1 year, renewable for life subject to policy terms
₹5,904 to ₹2,51,583 inclusive of across the official ₹2 lakh–₹50 lakh sum-insured, age-band and options. With , the table is ₹6,258–₹2,51,583
without , ₹5,904–₹2,37,342. Optional outpatient cover costs ₹1,416–₹7,080
critical-illness premium varies by age and ₹2 lakh–₹25 lakh cover.
30 days initially except accidents
pre-existing diseases: 36 months
specified diseases: 90 days, 1, 2 or 4 years
30-day pre-hospitalisation
60-day post-hospitalisation
inpatient and 140+ day-care procedures
organ donor
maternity
ambulance and air ambulance
A 20% co-pay applies when treatment is taken in a non-network provider, except where no network tie-up is available and for optional-cover claims. Maternity has a 24-month continuous-cover wait
pre-existing diseases have a 36-month wait. Plan-specific room, cataract, maternity, ambulance and other benefit sublimits apply.
The National Mediclaim page refers to cover during the policy period and lifelong renewability but does not publish a numeric policy-term option
the linked policy/rate-chart material must be checked for the selected term.
The official rate chart publishes ₹2,246 to ₹83,428 per individual before charges and across the listed ₹1 lakh–₹10 lakh sum-insured and age-band rows
the exact premium depends on age and sum insured.
30 days initially except accidents
pre-existing diseases: 48 months
specified diseases: 90 days, 1, 2, 3 or 4 years depending on condition
45-day pre-hospitalisation
60-day post-hospitalisation
inpatient and 140+ day-care procedures
ambulance and organ donor expenses
Specific diseases carry 90-day, 1-, 2- or 3-year waiting periods
pre-existing diseases are covered after 48 months. The policy excludes change-of-gender treatment, cosmetic or plastic surgery, excluded providers, vitamins/tonics, drug or alcohol abuse, self-inflicted injury, non-prescription drugs, home visits, dental treatment except when arising from an accident requiring hospitalisation, and outpatient treatment. Only accident claims are payable during the first 30 days.
Not published on the reviewed official page. The page describes the threshold/sum-insured combinations, waiting periods, renewability and claims process, and lists NSTUMP policy, , prospectus and rate-chart document names, but does not print a policy-duration number or expose a linked term table.
Not published on the reviewed official page. It states that the policy is available at a reasonable cost and provides a tax rebate on premium, but no premium amount or rate row is printed
the payable amount therefore requires the selected threshold, sum insured, family composition and insurer quote.
30 days initially except accidents
specified diseases: 90 days, 1, 2 or 3 years
pre-existing diseases: 1 year
30 days before and 60 days after hospitalisation
The official page states that only accident claims are payable during the first 30 days
pre-existing diseases are phased in after 12 months (50% of admissible claim in months 13–24, 75% in months 25–36 and 100% after 36 months). It also lists 90-day, 1-, 2- and 3-year specific-disease waits, change-of-gender treatment, cosmetic/plastic surgery, excluded providers, vitamins/tonics, drug or alcohol abuse, self-inflicted injury, non-prescription drugs, home visits, dental treatment except accident-related hospitalisation and treatment. The policy wording controls the complete list.
Overseas travel mediclaim for Indian, Nepalese and Bhutanese citizens travelling for business or holiday, and eligible foreign nationals working in India
National Insurance Company Limited
Plans A1/A2 cover worldwide excluding /Canada and B1/B2 worldwide including /Canada. Medical/evacuation/repatriation cover is USD 50,000/250,000 for A1/A2 and USD 100,000/500,000 for B1/B2. Personal accident cover is USD 10,000 for A1 and USD 25,000 for A2/B1/B2.
Eligible travellers are citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinationals paid in Indian rupees. Pre-existing disease is excluded
the first USD 100 of claims is borne by the traveller.
No fixed policy term or travel-duration schedule is published on the reviewed official page. The page describes business/holiday trips and publishes plan benefits, but not a number of covered days.
No premium amount or rate table is published on the reviewed page. It states that premium can be paid in Indian rupees (except in case of employment)
the payable amount depends on the selected overseas plan and trip details.
No general waiting period is published. The page instead states that pre-existing illness is excluded and that the first USD 100 of every claim is borne by the traveller
these are coverage conditions, not a waiting-period duration.
The plans include checked-baggage loss USD 1,000, baggage delay USD 100, passport loss USD 150–250 and third-party bodily injury/property damage USD 200,000. Emergency dental relief is covered up to USD 225 per occurrence
baggage delay applies to outbound international flights delayed over 12 hours.
Pre-existing disease or illness
travel against medical advice or for treatment
military, naval or air-force operations
suicide or intentional self-injury
mental disorder, alcoholism, drug abuse or /-related illness
Plans C (worldwide excluding /Canada), D and D1 (worldwide including /Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.
No general entry-age limit is published on the reviewed official page. For travellers over 70 years on journeys longer than 60 days, an ECG and fasting-blood-sugar or urine-strip report is required
without the reports, cover is restricted to USD 10,000.
No fixed policy term or travel-duration schedule is published on the reviewed official page. Plans C, D and D1 are described for employment and studies, but no number of covered days is stated.
No premium amount or rate table is published on the reviewed page. It says premium can be paid in Indian rupees except in case of employment
the payable amount depends on the selected plan and trip details.
No general waiting period is published. The page excludes pre-existing disease and applies a first--100 claim deductible
these are coverage conditions, not a waiting-period duration.
Plans C (worldwide excluding /Canada), D and D1 (worldwide including /Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.
Pre-existing diseases/illnesses, travel against medical advice or for medical treatment/routine check-up, suicide or intentional self-injury, mental disorder, alcoholism/drug abuse, -related illness including , and winter sports, mountaineering and adventure sports are excluded.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
Bank account holders, borrowers and co-borrowers are covered
individuals up to age 70 are eligible. The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.
One year
the National Insurance policy wording says the policy may be renewed every year by mutual consent, with renewal premium due on or before the expiry date.
Accident medical-expense extension is available up to 10% of the capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of the basic premium. The page does not publish the base premium or a fixed quote.
No general waiting period is published. The policy provides cover for an accidental injury occurring during the currency of the policy and for the period stated in the schedule
individual claim notice and proof deadlines are separate conditions.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
The individual policy excludes intentional self-injury or suicide
drug or alcohol abuse
venereal disease or insanity
pregnancy or childbirth
aviation other than permitted standard-aircraft passenger travel
non-fare-paying aircraft travel
breach of law with criminal intent
war, civil unrest or government action
and nuclear weapons, radiation or contamination. Compensation is also limited so that duplicate benefit clauses and claims after an admitted death/major-disablement claim are not paid.
IndiaFirst Life Insurance Company Limited (listed as the Bank of Baroda insurance partner).
₹2 lakh life cover on death from any cause, subject to the scheme's 30-day lien for non-accidental death on new enrolment.
18 to 50 years for savings-bank account holders
renewal can continue until age 55 under the scheme rules.
One year from 1 June through the following 31 May, renewable annually.
₹436 annually by auto-debit
pro-rata enrolment premiums are ₹342, ₹228 or ₹114 depending on the enrolment period.
A 30-day initial lien applies after new enrolment: no claim is admissible for death during the first 30 days from commencement of risk, except where the cause of death is accidental. The lien does not apply on subsequent renewals.
Life insurance benefit payable on death from any cause, with a 30-day initial lien for non-accidental death after new enrolment
cover is subject to one-account auto-debit and scheme conditions.
The scheme covers death due to any cause, including natural calamities, suicide and murder. The specific non-payment condition is the 30-day lien for a first-time or rejoining subscriber: death other than by accident during the first 30 days from enrolment is not payable. There is no maturity benefit or surrender value because is pure term insurance
duplicate-account enrolment is restricted to one ₹2,00,000 cover and duplicate premiums may be forfeited.
is administered through a Public Sector General Insurance Company or another -approved general insurer appointed by the participating bank. The Bank of Baroda page and the government do not name one exclusive insurer for account holders
participating banks are free to engage an approved insurer, while the bank is the master policyholder.
₹2 lakh for accidental death and permanent total disability
₹1 lakh for permanent partial disability.
18–70 years for savings-account holders who consent to join and enable auto-debit.
One year: 1 June to 31 May, with annual renewal subject to scheme eligibility and premium debit.
₹20 per year, collected by auto-debit from the linked bank account.
There is no general waiting period after valid enrolment. For delayed enrolment or rejoining, risk cover starts on the date the annual premium is auto-debited
cover otherwise runs during the 1 June–31 May policy year.
Accidental death, permanent total disability and permanent partial disability, subject to the scheme terms.
Death by suicide is not covered. No benefit is payable for partial disability other than the specified irrecoverable loss of one eye or one hand/foot, no hospitalisation reimbursement is provided, and a subscriber/nominee may receive only one claim when premiums were debited through multiple accounts. Cover terminates or is restricted at age 70, on account closure or insufficient balance, and for duplicate-account enrolment
natural-calamity accidents and murder are covered as accidents subject to scheme definitions.
Individual options are ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Floater (self and spouse) options are ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh.
60 to 75 years
continuing cover available for life on renewal
The policy is available for one-year, two-year or three-year terms and can be renewed
the product also offers guaranteed lifelong renewal subject to the policy terms.
The prospectus premium chart (excluding , after long-term discount) lists individual premiums for 1/2/3 years: ₹1 lakh₹6,100/₹11,590/₹16,928
₹2 lakh₹10,700/₹20,330/₹29,693
₹3 lakh₹15,250/₹28,975/₹42,319
₹4 lakh₹18,300/₹34,770/₹50,783
₹5 lakh₹20,315/₹38,599/₹56,374
₹7.5 lakh₹22,755/₹43,235/₹63,145
₹10 lakh₹25,030/₹47,557/₹69,458
₹15 lakh₹29,285/₹55,642/₹81,266
₹20 lakh₹32,800/₹62,320/₹91,020
₹25 lakh₹36,080/₹68,552/₹1,00,122. Floater premiums for ₹10/15/20/25 lakh are ₹40,050/₹76,095/₹1,11,139
₹46,855/₹89,025/₹1,30,023
₹52,480/₹99,712/₹1,45,632
and ₹57,730/₹1,09,687/₹1,60,201 respectively.
The initial waiting period is 30 days (accidents are covered from day one)
specified diseases or procedures have a 24-month wait
pre-existing diseases and complications are covered after 12 months when declared and accepted.
Pre-existing diseases and outpatient medical consultations
The current Star Health page lists cosmetic or plastic surgery, change-of-gender treatment, intentional self-injury, treatment resulting from hazardous or adventure sports, alcohol or drug-abuse treatment and congenital external conditions/defects/anomalies as exclusions. The prospectus and policy wording also contain the complete coded exclusion schedule, including the applicable waiting-period exclusions and expenses not medically necessary.
Maximum sum insured for the fire/building-content section is ₹2 crore in the Highlights section
shops must have Class A construction. Restaurants, cafés and offices are not treated as shops. Pedal-cycle legal liability is covered up to ₹10,000, and money in transit is limited to 10% of stock sum insured under Section 1B.
Policy period is the period commencing on the inception date and ending at midnight on the expiry date shown in the schedule. The policy literature also defines a 30-day renewal grace period, during which continuity can be maintained after the premium due date
no single universal annual duration is printed.
Published section rates are ₹1.40 per mille for fire/allied perils, ₹1.00 per mille for burglary, ₹2.50 per mille for money insurance, ₹10.00 per mille for pedal cycle, plate glass and neon sign, ₹7.50 per mille for baggage, ₹4.00 per mille for fidelity guarantee, ₹0.50 per mille for public liability, ₹3.13 per mille for employees compensation, ₹1.75 per mille for business interruption and ₹0.08 per mille for terrorism
applicable taxes and policy terms apply.
No general waiting period is published for Shopkeepers Insurance. Cover is tied to the policy period shown in the schedule
the documents instead specify section conditions, excesses and claim-notice deadlines.
Up to 10% of stock sum insured
The page excludes loss caused by negligence or wilful act, depreciation or wear and tear, consequential loss, each section’s applicable excess, earthquake unless specifically included, terrorism unless specifically included, breach of law, war-group perils and radioactivity. The full policy wording and section-specific excesses control.
1 year. Renewal is ordinarily available while the pilot product is offered
if the pilot is withdrawn, the insurer gives three months' notice before renewal and offers a suitable alternate product under its terms.
Annual premium excluding tax varies by age band and sum insured. Before a Section 1 cancer claim, ₹17,400–₹23,200 applies for ₹3,00,000 cover and ₹27,300–₹35,100 for ₹5,00,000 cover (age 5 months–65 years). After a Section 1 claim, Section 2/3 premium is ₹12,250–₹18,050 for ₹1,50,000 cover and ₹18,700–₹26,500 for ₹2,50,000 cover.
Section 1 recurrence/metastasis/second-malignancy lump sum: 30 months from first inception and continuous renewal. Sections 2 and 3: initial 30 days (accidents excepted), specified diseases/procedures 24 months and pre-existing diseases 48 months
portability credit can reduce the latter where allowed.
Section 1 pays a fixed lump sum for recurrence, metastasis or a second malignancy unrelated to the first cancer. Section 2 pays indemnity for surgery/interventional treatment of accidents and illnesses other than cancer
Section 3 pays indemnity for non-surgical/non-interventional treatment of accidents and illnesses other than cancer. Both include room, professional fees, medicines, diagnostics, 30-day pre-hospitalisation, 60-day post-hospitalisation and published modern-treatment limits
a 10% co-payment applies from age 61.
Section 1 is not payable until its 30-month waiting period is completed. Sections 2 and 3 exclude cancer/cancer-related treatment, pre-existing disease during 48 months, specified diseases/procedures during 24 months and the policy's standard exclusions including investigation-only admissions, pregnancy/infertility, treatment outside India, cosmetic or sex-change surgery, refractive-error and corrective dental treatment, substance abuse, self-inflicted injury, war/breach of law and hospital service/registration charges.
₹3,00,000 or ₹4,00,000. The same chosen sum insured applies to Sections 1–3 together and to the Section 4 personal-accident death cover.
The product is for people who underwent PTCA/stenting or CABG/bypass within the preceding seven years, or had corrected ASD/VSD, treated PDA, RF ablation for the cardiac condition, or an angiogram where no intervention was medically necessary.
1, 2 or 3 years. For a policy longer than one year, the sum insured and sub-limits are available separately for each policy year with no carry-over.
The reviewed bank page and linked brochure do not print a base premium. Instalment loading is published: quarterly payment +3% and half-yearly payment +2%
monthly, annual, biennial and triennial modes are listed.
Cardiac Section 2: 90 days, even when the cardiac condition is pre-existing. Section 1 non-cardiac/accident cover: 30 days for new illnesses (accidents excepted), 24 months for specified diseases/procedures and 36 months for pre-existing diseases
portability can reduce the latter periods where allowed.
Gold and Silver
The policy excludes or limits pre-existing diseases until 36 months, specified diseases/procedures for 24 months and new illness during the first 30 days (accidents excepted), plus investigation-only admissions, rest cure/custodial care, non-qualifying obesity surgery, cosmetic treatment, hazardous sports, breach of law, excluded providers, substance abuse, unproven/experimental treatment, sterility/infertility, maternity, dental treatment except accidental hospitalisation, sleep-apnoea/endocrine treatment, non-medically-necessary hospitalisation and the listed Section 4 accident exclusions.
Comprehensive health insurance policy available on an individual or family-floater basis
Star Health and Allied Insurance Co. Ltd.
₹5,00,000
₹7,50,000
₹10,00,000
₹15,00,000
₹20,00,000
₹25,00,000
₹50,00,000
₹75,00,000
or ₹1,00,00,000, on an individual or family-floater basis.
Adults aged 18–65 years at entry
dependent children from 3 monthsup to 25 years. Continuous renewals have no upper age limit.
One year or two years. A 30-day renewal grace period preserves waiting-period continuity when renewal is completed within the grace period.
Premium is age-, family-composition-, sum-insured- and term-dependent. The dated benefit illustration shows, excluding taxes, ₹25,750 for an individual aged 64 with ₹5,00,000 cover
₹18,700 for age 58
and family-floater examples of ₹38,800 for 2 adults and ₹23,540 for 2 adults plus 1 child, each at ₹5,00,000. The prospectus also illustrates ₹17,615 per year for a 40-year-old individual with ₹25,00,000 cover and ₹34,220 for a 2-adult/2-child floater at ₹25,00,000
these are examples, not current quotes.
Initial illness waiting period: 30 days (accidental claims are excepted). Listed diseases/treatments: 24 continuous months. Pre-existing diseases: 36 continuous months. Maternity/newborn benefit: 24 months. Bariatric surgery: 36 months. The optional first-purchase cover can reduce the pre-existing-disease wait from 36 to 12 months for the selected sum insured after medical screening
portability rules apply.
No capping on room rent (private single A/C room)
bariatric surgery and complications
air ambulance and second medical opinion
health check-up after claim-free years
maternity and newborn cover
100% automatic restoration of sum insured
dental/ophthalmic cover
hospital cash
all day-care procedures
personal accident cover equal to health cover
100% increase in sum insured on a claim-free renewal.
The prospectus exclusions cover circumcision and related procedures, congenital external defects except eligible newborn cover, investigation-only admissions, pregnancy except the stated maternity section, infertility, cosmetic/plastic surgery, non-prescription drugs, substance abuse, self-inflicted injury, dental/ outside the stated benefits, excluded providers, treatment outside India and other exclusions in the policy wording. Waiting-period conditions apply to listed diseases and pre-existing diseases.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
No separate waiting-period duration is stated on the reviewed Bank of Baroda page, current Star Health page, 2026 prospectus or linked policy wording. Cover is described for medical emergencies and travel events during the insured overseas trip shown in the policy schedule
no waiting period has been inferred.
Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
Gold Plan: the prospectus lists sum-insured options of ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh with defined-limit options shown in the schedule. Silver Plan: ₹7 lakh sum insured with ₹3 lakh deductible, or ₹10 lakh sum insured with ₹3 lakh deductible. The deductible/defined limit is selected in the policy schedule and cannot be changed at renewal.
Adults aged 18 to 65 years are eligible. Children can be covered from 91 days to 25 years only with their parents. There is no exit age and renewals continue for life.
The prospectus states that the policy is available for one year and can be renewed. Renewal within the 30-day grace period preserves continuity benefits, but coverage is not available during the grace period.
The Star Health prospectus attaches age- and family-size-based premium charts (excluding tax) for the Gold and Silver plans. One-year Silver premiums are ₹1,165-₹4,900 for ₹7 lakh/₹10 lakh sum insured with a ₹3 lakh deductible. One-year Gold premiums run from ₹920 to ₹19,325 across the ₹5 lakh-₹1 crore sum-insured options and defined limits of ₹5 lakh or ₹10 lakh. Two-year Silver premiums are ₹2,214-₹9,310
two-year Gold premiums run from ₹2,325 to ₹36,720 across the published defined-limit schedules. A 5% online-purchase discount applies to the first purchase
a 5%two-year discount applies only when the full two-year premium is paid in advance, and instalment loading is 3% quarterly or 2% half-yearly.
Initial waiting period is 30 days, except for accidents. Pre-existing disease waiting is 36 months for Silver and 12 months for Gold. Specified disease/procedure waiting is 24 months for Silver and 12 months for Gold
the accident exception applies. A 12-month waiting period applies to Gold maternity benefit where that benefit is otherwise payable.
Super Surplus is a top-up policy that provides higher sum insured than basic plans, with affordable premium, no pre-acceptance medical screening and two options: Silver Plan and Gold Plan.
The prospectus publishes the insurer's coded exclusion schedule (Excl 01 onward), including pre-existing disease and specified disease/procedure waiting exclusions, initial waiting, rest cure/rehabilitation, obesity surgery conditions, gender-change treatment, cosmetic surgery, hazardous or adventure sports, breach of law, excluded providers, alcohol/drug abuse, dietary supplements, refractive error below 7.5 dioptres, unproven or experimental treatment, infertility, maternity except the stated Gold benefit, congenital conditions, intentional self-injury, war/nuclear risks, non-allopathic treatment, dental treatment except covered accidental injury and other listed exclusions. The complete policy clause remains the controlling wording.
the Bank of Baroda states that family cover can be up to ₹20 lakh. The selected sum insured affects the premium.
Entry age is 5 years and above
dependent children aged 91 days to 5 years are covered only when both parents are insured. Maximum entry age is 65 with lifelong renewals. Up to seven members may be covered: self, spouse, up to three dependent children and up to two dependent parents. Tenures are 1, 2 or 3 years.
1, 2 or 3 years
No universal premium amount is printed. The official brochure says premium is calculated from the insured person's completed age, selected sum insured and zone
for a family floater, member premiums are added and the family-floater discount is applied. Tata directs customers to its premium-rate tool for the quote.
Initial illness waiting period: 30 days (accidents are covered immediately). Pre-existing disease waiting period: 36 months. Specified disease or procedure waiting period: 24 months.
Tata Medicare includes restore benefits, global inpatient/day-care reimbursement when diagnosis is made in India, 50% cumulative bonus per claim-free year up to 100%, day care, domiciliary treatment, organ donor, second opinion, ambulance, , consumables and compassionate travel.
The brochure names congenital external diseases, defects or anomalies
alcoholic pancreatitis
intentional self-injury or attempted suicide
criminal acts
and treatment by a medical practitioner outside their discipline. It directs customers to the policy wording for the complete benefit and exclusion list.
Medical-expense cover is unlimited subject to a per-incident limit that depends on the plan: USD 100,000 for Silver Plus, USD 250,000 for Gold and USD 500,000 for Platinum. The brochure also publishes separate limits for accidental death/disability, emergency evacuation, baggage, cancellation, passport and other benefits.
Travel Insurance International Plus is available for international and domestic trips, with options for families, senior citizens and students. There is no age limit for purchasing Travel Guard Insurance, and annual and multi-trip plans include a free-look period.
Single-trip policies use travel bands from 1–4 through 331–360 days
the maximum single-trip duration is 360 days. Annual Multi Trip options are 30, 45, 60, 90, 120, 150 or 180 days (for age 12+ and worldwide plans). A 365-day single trip can be added when an embassy requires it, for an additional premium.
Premium is selected from the brochure's chart by plan, geographic scope, traveller age and travel band. As one published example, the Copper non-medical worldwide chart runs from ₹830.60 for 1–4 days to ₹1,296.90 for 331–360 days. Add-on bundles and embassy-required 365-day cover require additional premium
applicable discounts are chart-specific.
No general travel-insurance waiting period is stated in the reviewed brochure. Cover starts when the premium is received, subject to the policy start date and terms. Pre-existing disease is excluded except for the brochure's life-threatening-condition provision
this is a coverage exclusion, not a stated waiting period.
The policy covers trip curtailment, hijacking distress allowance, flight-delay expenses when delay exceeds 12 hours, fraudulent card charges, overseas accident and sickness medical expenses, checked-baggage loss, missed connections and missed departure expenses.
Key exclusions in the brochure include travelling against a physician's advice, travelling to obtain treatment or while awaiting specified treatment, a terminal prognosis, pre-existing disease except a life-threatening condition, suicide or attempted suicide, wilful self-inflicted injury except self-defence or saving a life, and injury/accident while intoxicated where the insured person is directly responsible. The full policy wording controls.
For own-damage and total-loss claims, the vehicle's Insured's Declared Value () is the sum insured. Third-party bodily injury/death liability is the amount required by the Motor Vehicles Act
third-party property damage is ₹1,00,000 for scooters/motorcycles (the schedule also allows ₹6,000 where applicable). Owner-driver personal-accident cover is up to ₹1,00,000 for one policy period.
Not applicable as a published person-age rule for this vehicle policy. Eligibility is tied to the registered owner/insured vehicle
the reviewed page does not state a minimum or maximum insured-person age.
Available options include annual package, annual liability-only, 2/3-year package, 2/3-year liability-only, five-year liability-only and five-year package policies for new vehicles, plus bundled one-year own-damage with five-year liability for new vehicles purchased on or after 1 September 2018.
Not published as a fixed amount on the reviewed Bank of Baroda page. The premium depends on the vehicle, policy type/term, registration details, own-damage cover, add-ons and applicable insurer tariff
the page only states that add-on covers require extra premium.
No separate waiting period is published. The package policy responds to covered loss or damage occurring during the policy period shown in the policy schedule
compulsory deductible and policy conditions still apply.
Liability-only cover provides unlimited third-party death/injury liability and third-party property damage up to ₹1 lakh for scooters/motorcycles. Package cover additionally protects the insured vehicle and accessories against fire, explosion, self-ignition, lightning, burglary, housebreaking and theft.
Exclusions include consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged at the same time (then liability is limited to 50% of replacement cost), accessory theft without simultaneous vehicle theft, driving under the influence, use outside the geographical area or stated limitations, contractual liability, nuclear risks and war-related events.
Comprehensive health insurance with Classic, Platinum and Signature plans
individual, non-floater and family-floater cover types are available.
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Bank of India distributes the product.
Classic: ₹3 lakh, ₹5 lakh or ₹10 lakh. Platinum: ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹30 lakh or ₹35 lakh. Signature: ₹50 lakh, ₹75 lakh or ₹1 crore.
Minimum entry age is 1 day for children and 18 years for adults. Maximum entry age is 25 years for children and no limit for adults. Maximum renewal age is lifelong for all three plans.
The reviewed BOI page and policy schedule do not state one universal policy duration
the issued schedule and renewal terms control the period.
Premium is plan-, age-, sum-insured- and deductible-dependent
the prospectus publishes discounts (including 7.5% for a two-year term and 10% for a three-year term) but no single universal premium.
The complete waiting-period schedule is not reproduced in the BOI summary
review the current policy wording for illness-, maternity- and pre-existing-condition waiting periods.
Hospitalisation and day-care up to sum insured
pre-hospitalisation 60 days
post-hospitalisation 90 days Classic, 120 days Platinum and 180 days Signature
restoration of sum insured
maternity, newborn, infertility, organ donor, patient care, accidental hospitalisation, ambulance, , wellness, cumulative bonus, bariatric surgery and plan-specific evacuation/overseas treatment.
The complete exclusions list is controlled by the policy wording and is not reproduced in the BOI summary
Health insurance with Vital, Superior and Premiere plans
individual sum insured and family-floater options are available.
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Bank of India distributes the product as corporate agent.
Published options are ₹3 lakh, ₹5 lakh and ₹10 lakh under Vital
₹15 lakh, ₹20 lakh and ₹25 lakh under Superior
and ₹50 lakh or ₹1 crore under Premiere.
Minimum age at entry is 1 day for every published sum-insured option
the schedule shows no maximum age at entry and lifelong maximum renewal age.
The reviewed BOI Health Total page and schedule do not state one universal policy duration
the policy period is set in the issued schedule and renewal terms.
Premium is quotation- and plan-dependent
no universal premium is published on the reviewed BOI page or the schedule excerpt.
The complete waiting-period schedule is not reproduced on the BOI product summary
consult the current policy wording and schedule for illness-, maternity- and condition-specific periods.
Hospitalisation up to sum insured, day-care treatment, pre- and post-hospitalisation, restoration of sum insured, cumulative bonus, maternity, newborn, organ-donor, ambulance and plan-specific , overseas treatment, vaccination and emergency-evacuation benefits.
The product page does not print the complete exclusions list
exclusions, sub-limits and waiting periods must be read in the current policy wording.
Health insurance with individual/non-floater and family-floater cover, unlimited restoration and optional non-medical, deductible and co-payment-waiver covers.
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Adults: minimum 18 years and maximum 65 years. Children: minimum 91 days and maximum 25 years.
One, two or three years.
Premium is plan-, age-, sum-insured-, tenure- and underwriting-dependent
the reviewed BOI page and schedule do not publish one universal premium amount.
Initial waiting period: 30 days, except accidental hospitalisation. Specific waiting period: 24 or 36 months as applicable. Pre-existing disease waiting period: 36 months. The wording also lists a 3-year waiting period for joint replacement and organ transplant.
In-patient hospitalisation up to sum insured
normal room options from single private room to up to sum insured by plan
up to sum insured
day-care and home-health care
, medical second opinion, organ donor, wellness, modern treatment, cumulative bonus, , maternity, bariatric surgery, accidental hospitalisation, inflation guard, emergency road ambulance, premium payback, emergency medical evacuation and unlimited restoration, subject to plan and schedule.
The complete exclusions schedule is controlled by the policy wording and is not reproduced in the BOI summary
review the current wording and schedule before purchase.
Home insurance covering property/contents risks and optional personal-liability risk.
Generali Central Insurance Company Limited
Bank of India distributes the policy and does not underwrite the risk.
Property, contents and optional-item limits are selected in the property-specific schedule
no universal amount is published on the BOI summary page.
Eligibility is property- and proposer-specific
no separate customer age threshold is published on the reviewed page.
No universal policy-term number is published on the reviewed BOI home-insurance page
term follows the issued property schedule.
The page describes affordable, property-specific premiums but publishes no universal premium amount.
No waiting-period schedule is published on the reviewed BOI home-insurance page.
Fire, theft and natural calamities are covered. Fire and burglary cover must be selected together in Home Secure. Optional covers are available for appliances, jewellery and laptops
liability risk can also be insured.
The complete property-peril exclusions and claim conditions are in the current policy wording and schedule
Motor Protect Two-Wheeler Package Policy combining third-party liability, own-damage cover and optional add-ons.
Generali Central Insurance Company Limited
Bank of India distributes the policy and does not underwrite the risk.
Own-damage sum insured is the vehicle’s insured declared value () shown in the policy schedule
no universal or owner-driver capital-sum amount is published on the reviewed BOI summary.
No customer-age entry rule is published
eligibility is tied to the insured two-wheeler, owner/driver, registration and policy schedule.
The period of insurance is the period stated in the issued policy schedule
no universal duration is published on the reviewed BOI page.
Premium is quotation-specific and depends on vehicle details, , location, compulsory/higher deductibles and selected add-ons
no universal premium amount is published on the reviewed BOI page.
No general waiting-period duration is published on the reviewed BOI summary
add-on and claim conditions are controlled by the current policy wording and schedule.
Third-party bodily injury and property damage, legal liabilities, compulsory owner-driver personal accident, accidental damage, theft, natural disasters, man-made calamities, fire and explosion, and transit damage by road, rail, air or inland waterways.
The complete exclusions schedule is not reproduced on the BOI summary
consult the linked policy wording and prospectus for use restrictions, deductibles, wear/breakdown and other exclusions.
Motor package insurance for a private car, combining mandatory third-party liability with own-damage protection.
Generali Central Insurance Company Limited
Bank of India distributes the policy and does not underwrite the risk.
The insured vehicle value and own-damage limit are set in the vehicle-specific policy schedule
no universal amount is published on the BOI summary page.
Eligibility is tied to an insurable private car and its registration/vehicle details
no separate customer age threshold is published on the reviewed page.
No universal policy-term number is published on the reviewed product page
term follows the vehicle policy schedule and applicable motor-insurance rules.
Premium is vehicle-, cover-, add-on- and schedule-specific
no universal amount is published on the reviewed BOI page.
No waiting-period schedule is published for this motor policy on the reviewed BOI page.
Third-party liability is mandatory. Own-damage cover applies to loss or damage to the insured vehicle caused by accidental external means. Nil-depreciation and other add-on covers are available to provide near-full claim settlement, subject to the selected schedule.
The complete motor exclusions and claim conditions are in the current policy wording and schedule
Travel insurance with Daily Commuters, Business and Vacations plan families
cover combines accidental benefits with travel, baggage and home sections.
Generali Central Insurance Company Limited
Bank of India distributes the policy and does not underwrite the risk.
Schedule limits vary by plan and option. Daily Commuters options publish accidental death//₹5 lakh/₹10 lakh/₹20 lakh and accidental hospitalisation ₹50,000/₹75,000/₹1,00,000. Business options publish accidental death//₹10 lakh or ₹25 lakh and hospitalisation ₹1,00,000 or ₹2,00,000. Vacations options publish accidental death//₹10 lakh/₹25 lakh or ₹20 lakh and hospitalisation ₹1,00,000 or ₹2,00,000.
No universal traveller-age range is printed in the reviewed schedule
eligibility is completed through the proposal form and selected plan.
Daily Commuters: annual basis or 1, 3 or 6 months. Business: annual multi-trip (each trip up to 30 days) or single trip of 1–7 or 8–15 days. Vacations: annual multi-trip (each trip up to 30 days) or single trip of 1–7, 8–15, or 16–30 days.
Premium is plan-, option-, destination-, traveller- and trip-specific
no universal premium amount is published in the reviewed schedule.
No general waiting-period number is published in the reviewed Shubh Yatra schedule
cover is subject to the policy period, trip-duration and claim conditions.
Home fire/allied-peril and burglary cover: Daily Commuters ₹2 lakh/₹3.5 lakh/₹5 lakh
Business and Vacations ₹2 lakh or ₹4 lakh. Business laptop cover ₹25,000/₹40,000/₹60,000
mobile ₹15,000/₹25,000/₹50,000
proof ₹800/₹1,200/₹2,000
sunglasses ₹1,000/₹1,500/₹2,500
credit-card cover ₹15,000/₹25,000/₹50,000. Vacations laptop/mobile//sunglasses/credit-card benefits are unavailable in options 1–2 and available at the published limits in options 3–4. Vacation trip cancellation is up to ₹1,00,000 or ₹1,50,000
curtailment up to ₹15,000/₹20,000/₹25,000
trip delay ₹7,500 or ₹10,000/₹12,500 with a 6-hour deductible
missed connections train up to ₹3,000/₹5,000 and flight up to ₹5,000/₹7,500
checked baggage up to ₹10,000 or ₹15,000 with item and 10%/20% rules.
The prospectus excludes, among other things, illness except for medical evacuation/repatriation
accidents at home
intentional self-injury or intoxication
crime/riot
non-passenger aviation
racing
pregnancy/childbirth
war, nuclear/radiation and terrorism-related events (subject to the wording’s victim exception)
hazardous activity and adventure sports except stated Vacation-plan accident/evacuation exceptions
medically unnecessary or experimental treatment
claims outside policy or maximum trip period
non-allopathic medicine
cosmetic/plastic surgery
and travel against medical advice or for military operations.
No numeric entry-age rule is published on the reviewed BOI page
confirm Niva Bupa’s age and underwriting rules for the selected variant.
The page publishes 7.5% and 15% discounts for second- and third-year premiums respectively, but does not state one universal policy-term range independent of the quotation.
Premium is quotation-specific and depends on sum insured, deductible, age, plan and optional covers
no universal premium amount is published.
No general or condition-specific waiting-period number is published on the reviewed BOI page
consult the current Niva Bupa policy wording.
In-patient care up to sum insured
room rent up to 1% of base sum insured per day
pre- and post-hospitalisation 60 and 90 days
day-care, alternative and domiciliary treatment
living-donor transplant
e-consultations
emergency ambulance up to ₹1,500 per event
pharmacy/diagnostic services
mental-disorder, / and modern-treatment cover subject to sub-limits.
The complete exclusions list is not reproduced on the BOI summary
consult the Niva Bupa policy wording for exclusions, sub-limits and claim conditions.
Senior-citizen health insurance with Gold and Platinum plan variants, individual or family coverage choices and optional deductible/co-payment selection.
Niva Bupa Health Insurance Company Limited
Bank of India distributes the product.
Wide sum-insured options starting from ₹5 lakh to ₹25 lakh.
No numeric entry-age threshold is published on the reviewed BOI Senior First page
confirm the selected Niva Bupa policy schedule and underwriting rules before purchase.
No universal policy-term range is published on the reviewed BOI Senior First summary page
confirm the selected Niva Bupa policy schedule before purchase.
Premium is quotation-specific and depends on the selected plan, sum insured, age, co-payment/deductible choice and underwriting
no universal premium amount is published on the reviewed BOI page.
No general or condition-specific waiting-period schedule is printed on the reviewed BOI summary page
consult the current Niva Bupa policy wording for applicable waiting periods.
Safeguard is an optional cover providing cashless non-payable-item coverage, no-claim-bonus protection and inflation-proof benefits. The page also describes the ReAssure extension, which triggers with the first claim and can refill cover without an illness or member restriction, subject to terms.
The complete exclusions, sub-limits and claim conditions are not reproduced on the BOI summary page
review the current Niva Bupa policy wording before purchase.
Optional group medical insurance top-up for BOI Elite Salary Account holders
cost is borne by the account holder.
Niva Bupa Health Insurance Company Limited
Bank of India arranges the Elite Salary account-holder benefit.
Base sum insured ₹30 lakh with a ₹3 lakh deductible.
Adults: 18 to 65 years. Children: 91 days to 21 years.
One year.
The top-up is fully paid by the account holder
the reviewed BOI page and Annexure V do not publish a universal premium amount.
Initial waiting period 30 days
specific-disease waiting period 24 months
pre-existing-disease waiting period 24 months.
In-patient care up to base sum insured
single private room and up to base sum insured
536 listed day-care treatments up to base sum insured
pre-hospitalisation 30 days and post-hospitalisation 60 days
domiciliary hospitalisation, organ transplant and modern treatment up to base sum insured
emergency ground ambulance within India ₹1,000 per hospitalisation
accompanying-person accommodation ₹1,000 per dayup to 10 days.
The complete exclusions and claim conditions are controlled by the current Niva Bupa group-policy wording and are not reproduced in the BOI summary table
review the issued certificate and wording before purchase.
Individual non-linked deferred participating savings life-insurance plan ( 142N050V01).
Star Union Dai-ichi Life Insurance Company (SUD Life)
Bank of India acts as corporate agent CA0035.
Basic sum assured from ₹1.5 lakh to ₹100 crore.
↑
No numeric entry-age rule is published on the reviewed BOI page
confirm with SUD Life before applying.
15, 20, 25 or 30 years.
No universal premium amount or rate table is published on the reviewed BOI page
premium depends on selected term, cover and underwriting.
No numeric waiting-period rule is published on the reviewed BOI page
consult the SUD Life policy wording for plan conditions.
Lump-sum maturity benefit, guaranteed additions and bonuses, riders for additional protection, and extended lifelong life cover equal to basic sum assured after maturity payment.
The complete exclusions schedule is not printed on the reviewed BOI page
Non-linked, non-participating individual savings life-insurance plan with guaranteed returns and life cover.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Minimum SAD: ₹31,50,000 for 5-year
₹26,25,000 for 6-year
₹15,75,000 for 8-year
₹10,50,000 for 10-year . Maximum is as per board-approved underwriting policy.
For Goal Sure, entry age is 8–45 years for 5/6/8/10-year
for Edu Sure, entry age is 8–45 years for 5-year , 8–47 years for 6-year , 8–55 years for 8-year and 8–60 years for 10-year . Maturity ages are Goal Sure 18–80 years and Edu Sure 33–67 years.
5 years → PT 15, 16, 17 or 18 years
6 years → PT 15, 16, 17 or 18 years
8 years → PT 18–22 years
10 years → PT 18–22 years.
Minimum annualised premium: ₹3,00,000 for 5-year
₹2,50,000 for 6-year
₹1,50,000 for 8-year
₹1,00,000 for 10-year . Maximum is as per board-approved underwriting policy.
No waiting-period duration is published in the reviewed BOI product page or linked SUD Life plan summary
coverage and benefit timing follow the policy commencement, underwriting and wording.
Guaranteed maturity benefit at end of term
guaranteed additions paid with maturity, surrender or death benefit
Edu Sure death benefit can include immediate SAD, monthly income through the remaining term and a lump sum equal to guaranteed maturity benefit.
Full exclusions and policy conditions are in the SUD Life brochure and wording
the BOI summary directs customers to those documents.
Individual non-linked, non-participating savings life-insurance plan with guaranteed income, maturity benefit and life cover.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
Bank of India distributes the policy as corporate agent.
For 7-pay, sum assured is 10 times the annualized premium throughout the policy term. For 12-pay, absolute sum assured is 10 times annualized premium during the first policy year.
For 7-pay: minimum 18 years and maximum 55 years. For 12-pay: minimum 18 years and maximum 50 years (age last birthday).
Life cover can run up to 45 years. For 7-pay, the maximum policy term is 45 years
for 12-pay, the maximum policy term is 40 years. Premium-paying terms are 7 years or 12 years.
A universal premium amount is not published
premium depends on sum assured, pay option, age and underwriting.
No waiting-period schedule is published on the reviewed product page.
Guaranteed income, maturity benefit and life cover
life cover for up to 45 years when policy remains in force
loan facility
tax benefits subject to prevailing law.
The complete exclusions and policy conditions are not reproduced on the BOI summary
Unit-linked, non-participating individual life-insurance plan
investment risk is borne by the policyholder.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Single pay minimum sum assured is ₹3,12,500 (1.25× single premium) and is otherwise as per board-approved underwriting policy. Limited/regular pay minimum is ₹2,40,000 (10× annualised premium), with maximum ₹25,00,000.
Life assured minimum age is 30 days
policyholder minimum age is 18 years. Maximum life-assured age varies by policy term and annual premium: 45 years for 10–19-year terms and 55 years for 20–40-year terms in the published eligibility schedule.
Platinum: single pay 10–40 years
5/7/regular pay minimum 10 years
10-pay minimum 15 years and maximum 40 years. Platinum Plus: 5/7/regular pay 10–40 years and 10-pay 15–40 years
single pay is not applicable.
Minimum premium: single pay ₹2,50,000
yearly ₹24,000
half-yearly ₹12,000
quarterly ₹6,000
monthly ₹2,000. Maximum annualised premium for limited/regular pay is ₹2,50,000
single pay is as per board-approved underwriting policy.
Partial withdrawals are not available during the first five policy years
the lock-in and discontinuance rules apply as stated in the policy document.
Two options (Platinum and Platinum Plus)
no allocation charge
return of policy-administration and mortality charges on maturity subject to policy status
loyalty additions from the end of year 6 through the premium-paying term
wealth boosters every five years from the end of year 10
partial withdrawals and fund switching subject to terms.
Market and investment risk is borne by the policyholder
charge-return features do not apply to surrendered or discontinued policies as described in the BOI summary. Complete exclusions are in the policy wording.
Limited-premium, non-linked, non-participating endowment life-insurance plan with assured monthly payouts and inbuilt accidental-death benefit.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Monthly payout from ₹10,000 to ₹10,00,000, in multiples of ₹1,000.
No numeric entry-age range is published on the reviewed BOI page.
Plan 5-5-5: pay for 5 years, accumulation for 5 years and payouts in the next 5 years. Plan 7-7-7: pay for 7 years, accumulation for 7 years and payouts in the next 7 years. Corresponding policy terms are 15 or 21 years.
No universal premium amount is published
premium depends on selected monthly payout, option, term, age and underwriting.
No waiting-period schedule is published on the reviewed product page.
Annual payout equals 5 times the monthly payout during the payout period
lump sum at the end can be up to 60 times monthly payout, or 40 times for Plan 5-5-5
accidental death benefit doubles the death benefit.
The complete exclusions and policy conditions are not reproduced on the BOI summary
Individual non-linked, non-participating deferred pension plan with guaranteed additions and a vesting benefit at retirement.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
Bank of India distributes the product as corporate agent.
The reviewed page does not publish a universal sum-assured range
it publishes premium limits instead (₹20,000 minimum for limited-pay options to ₹5 crore maximum).
Entry age 35–65 years (age last birthday), subject to vesting-age rules. Minimum vesting age 55 years and maximum vesting age 70 years (age last birthday).
Published combinations: single premium for a 5-year policy term
single premium for a 10-year policy term
5-year premium-paying term for a 10-year policy term
10-year for a 15-year PT
or 15-year for a 20-year PT.
Minimum annual premium: ₹1,00,000 for single-premium
₹30,000 for 5-year limited
₹20,000 for 10-year and 15-year limited . Maximum premium: ₹5 crore for single/annual premium.
No waiting-period schedule is published on the reviewed product page.
Entry age 35–65 years
Vesting age 55–70 years
5 published /PT combinations
Minimum premium ₹20,000–₹1,00,000 by
Maximum premium ₹5 crore
No medicals stated on page
The complete exclusions and policy conditions are not reproduced on the BOI summary
Individual non-linked deferred participating savings life-insurance plan ( 142N057V01).
Star Union Dai-ichi Life Insurance Company (SUD Life), distributed by Bank of India as corporate agent CA0035.
₹3 lakh to ₹1 crore, in multiples of ₹1,000.
No numeric entry-age rule is published on the reviewed Bank of India product page
confirm age eligibility with SUD Life before applying.
For a 10-year premium-payment term, policy terms of 15, 20 or 25 years are available. For a 15-year premium-payment term, policy terms of 20 or 27 years are available.
The reviewed BOI page does not publish a universal premium amount or rate table
premium is selected under the chosen term, payment term and underwriting rules.
No numeric waiting-period rule is published on the reviewed Bank of India product page
any plan-specific exclusions or waiting conditions are in the SUD Life sales brochure and policy wording.
Maturity benefit combines basic sum assured, accrued guaranteed additions, accrued reversionary bonuses and terminal bonus if declared
inbuilt accidental-death benefit and sum assured on death are provided.
The complete exclusions schedule is not printed on the reviewed BOI page
consult the SUD Life sales brochure and policy wording.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Not separately applicable as a sum-insured amount: Saral Pension is a single-premium immediate annuity. Minimum purchase price is the amount required to provide the selected minimum annuity
maximum purchase price has no limit.
Annuitant age last birthday must be at least 40 years and not more than 80 years at application.
Single premium whole-life annuity
no fixed maturity term. Annuity may be paid yearly, half-yearly, quarterly or monthly, commencing after one year, six months, three months or one month respectively.
Minimum purchase price is the amount needed to provide the selected minimum annuity
maximum purchase price has no limit. Minimum annuity is ₹12,000 yearly, ₹6,000 half-yearly, ₹3,000 quarterly or ₹1,000 monthly.
No waiting period is published for annuity income. Payments commence after one year, six months, three months or one month according to the yearly, half-yearly, quarterly or monthly mode selected
these are payment intervals, not a claims waiting period.
Two annuity options: life annuity with return of 100% purchase price, or joint-life last-survivor annuity with return of 100% purchase price after the last survivor’s death
no medicals
loan after six months
surrender after six months only on diagnosis of one of 20 specified critical illnesses
surrender value is 95% of purchase price less outstanding loan and interest.
The brochure states no separate suicide exclusion for this annuity product
death treatment is the same for normal and suicidal death. Full critical-illness definitions and exclusions are in pages 5–10 of the brochure.
Individual non-linked, non-participating fixed-benefit health insurance plan paying on diagnosis of covered minor or major critical illness conditions.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
Bank of India distributes the policy as corporate agent.
Sum-insured options are ₹5 lakh to ₹50 lakh, increasing in multiples of ₹1 lakh.
No numeric entry-age range is published on the reviewed BOI page.
Policy-term options are 5 to 30 years.
A universal premium amount is not published
premium depends on selected sum insured, plan, term, age and underwriting.
No waiting-period schedule is published on the reviewed product page.
Fixed payout based on the severity of a covered condition irrespective of actual billing
waiver of premium for 3 policy years on diagnosis of the first minor critical illness (only the outstanding term is waived if shorter than 3 years)
three plan options cover minor and major conditions of cancer, heart, liver or kidney
tax benefits under Section 80D subject to law.
The complete exclusions and policy conditions are not reproduced on the BOI summary
review the SUD Life critical-illness brochure and wording.
Unit-linked life-insurance plan funded by a one-time investment, combining market-linked wealth creation with family protection.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Minimum sum assured is 125% of single premium for the base plan and 125% of top-up premium for top-ups. Maximum sum assured as a multiple of single premium depends on entry age: 4.00× at ages 8–30
3.00× at 31–35
2.00× at 36–45
1.75× at 46–50
1.50× at 51–55
1.25× at 56–60.
Minimum 8 years and maximum 60 years (age last birthday).
No standalone numeric policy-term range is published on the reviewed page.
The product uses a single premium, but no universal minimum or maximum amount is published on the reviewed BOI page.
No waiting-period schedule is published on the reviewed product page.
Wealth growth through one-time investment and assured financial assistance to family on death
sum assured varies by entry age and single premium.
The complete exclusions and policy conditions are not reproduced on the BOI summary
review the SUD Life unit-linked brochure, fund documents and wording.
Individual non-linked non-participating pure-risk premium term life plan.
Canara Life Insurance Company Limited
136N080V02.
Not published on the reviewed Canara insurance page
the insurer’s policy wording or quote is required.
18 to 65 years at entry, subject to plan option: single premium 40
selected up-to-60 premium terms 50 or 55
non-working spouse 50 or 40 for single premium.
Policy term is selected under the plan and may run to age 99
the page does not publish a single fixed term in years.
Not published on the reviewed Canara insurance page
the insurer’s policy wording or quote is required.
Not published on the reviewed Canara insurance page
the insurer’s policy wording or quote is required.
Base death benefit with optional accidental death, accidental total/permanent disability premium protection, terminal illness, child-care and premium-block options
life cover can continue to age 99.
Not published on the reviewed Canara insurance page
the insurer’s policy wording or quote is required.
maximum entry age 70 years for a ₹5 lakh deductible
1, 2 or 3 years
General publishes a per-member premium matrix by age, deductible and sum insured
the official chart covers sum insured from ₹1 lakh to ₹50 lakh and deductible from ₹1 lakh to ₹10 lakh. Rates are shown excluding , with separate family, term and direct-business discounts and tobacco/smoking loadings.
30 days for general illnesses
12 months for specified diseases
36 months for pre-existing conditions
Top-up hospitalisation protection subject to the selected deductible, sum insured and policy exclusions
The current product page lists pre-existing diseases during the first 3 years, specified conditions during the first year, treatment outside India, outpatient treatment, experimental or unproven treatment, cosmetic or plastic surgery and change-of-gender treatment as exclusions
₹5 lakh each for self and spouse arising out of fire and allied perils
No age-based entry threshold is published. Eligibility is defined by the insured interest: building cover is for an owner (and specified purchaser, tenant, licensee or owner’s employee cases), while contents cover is for a tenant or owner of the contents, subject to the policy terms.
1 to 10 years
Quote-based
no universal premium amount is published on the reviewed official page. The payable premium depends on the selected building/contents cover and policy terms.
Not published as a waiting-period condition in the reviewed Bharat Griha Raksha page or policy wording
Residential building and contents against covered perils, with sums insured and exclusions set by the policy wording
The official page lists wilful or intentional acts, war or invasion, radioactive contamination, pollution or contamination, electrical short-circuiting/arcing/self-heating/leakage, loss of earnings or delay, consequential loss, reduction in market value and claim-preparation costs. The policy wording controls the complete list.
The Insured Declared Value () is the vehicle's current market value and the maximum amount payable for total loss or theft
it is calculated from the manufacturer's listed price after depreciation and varies by vehicle and accessories.
Not published as a person-age threshold
eligibility is tied to ownership of a registered vehicle and the Registration Certificate
A standard comprehensive private-car policy is typically valid for one year
long-term options may be available for two or three years, depending on the cover selected.
Starts at ₹2,094
the quoted premium varies with the selected coverages, vehicle and other quotation factors.
Not published as a waiting-period condition in the reviewed Private Car Insurance page or linked policy information
Third-party liability and own-damage/comprehensive options vary by the policy selected
add-ons and exclusions are controlled by the policy wording
The comprehensive policy excludes normal wear and tear, consequential loss and depreciation, electrical or mechanical breakdown, use outside the permitted purpose, driving without a valid licence, nuclear or war-related risks, and accidents while under the influence of alcohol or drugs
the selected policy wording controls the complete list.
The published starting example is based on a ₹2 lakh sum insured for Identity Theft, Online Shopping, Theft of Funds, Social Media / Media Liability and Smart Home Cover
the policy schedule controls the selected limits.
Not published as a general age threshold
the policy wording defines family members, including dependent children up to age 18, but does not set an insured’s entry-age limit
1 year
₹3.15 per day for selected ₹2 lakh covers, before applicable discounts and taxes
No waiting period
↓
Selected personal cyber-loss and online-event covers
limits, deductibles and exclusions are defined by the policy wording
Illustrative exclusions include prior-known non-disclosure, intentional or reckless acts, employee/self-employed professional or business activity, tangible-property loss and consequential loss, and investment or trading activity.
Home building: the declared and accepted prevailing cost of construction at policy inception, shown in the schedule. Home contents: item/category replacement-cost values shown in the schedule. Annual policies escalate by 10% over the year
multi-year policies increase 10% each year, without extra premium, up to 200% of the inception sum insured.
No age-based entry threshold is published. Building cover eligibility is based on homeowner, purchaser under a sale agreement, tenant, licensee or owner’s employee status
contents cover is for the owner or a person holding the articles under instalment, hire purchase or lease, subject to the policy terms.
1 to 20 years.
Quote-based
no universal premium amount is published on the reviewed official page. The payable premium depends on the selected building/contents cover, optional covers and policy terms.
Not published as a waiting-period condition in the reviewed Griha Raksha Plus page, prospectus/ and policy wording
Building and household-content protection through selected policy sections
insured values, perils and exclusions are policy-specific
The official page lists deliberate/wilful acts, war-like operations, ionising radiation, pollution/contamination, missing or mislaid property, consequential/indirect loss, bullion/unset precious stones/manuscripts/vehicles/explosives, reduced market value after repair/reinstatement and claim-preparation costs. The wording controls the full list.
Published options include ₹2,00,000 for ₹100 premium, ₹4,00,000 for ₹200, ₹10,00,000 for ₹500 and ₹20,00,000 for ₹1,000
premiums include service tax as applicable.
Permanent Indian resident aged 18 to 65 with an Savings Bank Account or Individual Current Account.
The reviewed General product page and policy wording do not publish a universal policy-term duration
the period of cover is set out in the individual certificate or schedule.
₹100 for ₹2 lakh cover
₹200 for ₹4 lakh
₹500 for ₹10 lakh
₹1,000 for ₹20 lakh, including applicable service tax as stated on the product page
No waiting period.
↓
Accidental Death and Permanent Total Disability are mandatory. Selectable combinations can also include Permanent Partial Disability and Temporary Total Disability
one accident pays only the largest admissible benefit, subject to the policy sum insured.
The policy excludes pre-existing disability/disease complications
suicide or self-inflicted injury
sexually transmitted conditions, mental/nervous disorders, anxiety, stress or depression
/
military/armed-forces service
alcohol/drug/intoxicant abuse
felony, riot, crime or civil commotion
aircraft operation/learning or non-passenger aviation
Retail health insurance with configurable base and optional covers
General Insurance Company Limited
₹5 lakh to unlimited sum insured
Adults 18 years and above
dependent child 91 days to 25 years
1 to 5 years
Premium varies by selected sum insured, age and plan variant
the issuer does not publish one universal premium on the product page.
30 days for illnesses (not applicable to continuous renewal or accidents)
24 months for pre-existing diseases and listed specific illnesses
24 months for bariatric surgery, maternity/child care and global cover
12 or 24 months for vision correction as opted
90 days for critical illness.
Hospitalisation, pre/post-hospitalisation, day care, , modern treatment, ambulance, organ donor and optional lifestyle covers
lifelong renewability
The issuer's illustrative exclusions include investigation/evaluation, rest cure or rehabilitation, obesity/weight control, change-of-gender treatment, cosmetic or plastic surgery, hazardous or adventure sports, breach of law, excluded providers, alcohol or substance abuse, wellness/rejuvenation, dietary supplements, refractive error, unproven treatment, sterility/infertility and maternity unless the specific cover is opted. The policy wording controls the complete list.
Government crop insurance under Pradhan Mantri Fasal Bima Yojana
General Insurance Company Limited
Sum insured per hectare equals the Scale of Finance set by the District Level Technical Committee and notified by the State
an individual farmer's cover is that scale multiplied by the notified crop area in hectares. Irrigated and un-irrigated areas may have separate scales.
Not published as an age threshold
eligibility is defined by notified crops, area, season and farmer/loanee status
Cover follows the notified crop season from sowing/planting through harvest. For eligible crops left to dry in the field after harvest, post-harvest cover runs for up to 14 days against the specified perils
enrolment and premium payment must meet the State-notified cut-off date.
Maximum farmer-paid premium is 2% of sum insured for Kharif food grains and oilseeds, 1.5% for Rabi food grains and oilseeds, and 5% for annual commercial/annual horticultural crops (including perennial horticultural crops on a pilot basis). The applicable amount depends on the notified crop, season and area.
Not published as a waiting-period concept
uses season- and state-specific enrolment cut-off dates instead
Crop-risk cover under
War and kindred perils, nuclear risks, riots, malicious damage, theft, acts of enmity, and crops grazed or destroyed by domestic or wild animals are excluded. For post-harvest losses, bundled/heaped harvested crop before threshing and other preventable risks are excluded.
Adults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/1 day to 25 years
critical illness 18–25
personal accident 5–25.
No single fixed duration is published in the reviewed prospectus or policy wording
the certificate or schedule sets the policy period. The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.
General publishes age-, cover- and floater-combination-based premiums in the Sampoorna Arogya rate chart. Hospitalization, optional maternity/newborn covers, hospital daily cash, critical illness and personal accident premiums are shown excluding unless the table says otherwise.
Critical-illness signs or symptoms must first commence at least 90 days after the policy period starts.
Group health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, , organ donor, reinstatement, genetic/internal congenital conditions, / and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident
schedule-selected limits apply.
The policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures
The official product page publishes lifelong renewability but does not state one fixed policy-term duration
the issued policy schedule controls the period of cover.
The current prospectus illustrates standard premiums (before loading and taxes) for a family of six: ₹71,373 floater /₹81,488 separately insured at ₹5 lakh Elite
₹85,974 /₹1,06,590 at ₹10 lakh Premier
₹1,05,731 /₹1,35,496 at ₹15 lakh Platinum
and ₹1,67,682 /₹2,31,976 at ₹50 lakh Platinum Infinite. These are illustrations, not a universal quote.
30 days for general illnesses
1–2 years for specified diseases and pre-existing conditions
Inpatient and domiciliary hospitalisation, global medical treatment, unlimited re-insure benefit, annual health check-up, , day care, ambulance and organ-donor expenses
lifelong renewability
The prospectus excludes investigation/evaluation, rest cure or custodial care, obesity surgery outside the stated clinical criteria, change-of-gender treatment (subject to the Transgender Persons Act), cosmetic or plastic surgery except qualifying reconstruction, professional hazardous sports, breach of law, excluded providers, alcohol/drug or substance abuse, wellness establishments, non-prescription dietary supplements, refractive error below 7.5 dioptres, unproven treatment, sterility/infertility and maternity unless the maternity option applies. Specific exclusions also include war, nuclear/chemical/biological attack and treatment outside India unless the selected plan covers it.
Premium varies based on the selected sum insured, age and plan variant
the issuer does not publish one universal premium amount on the product page.
30 days for general illnesses
24 months for specified diseases and pre-existing conditions
Cumulative-claims top-up cover including inpatient, pre/post-hospitalisation, day care, organ donor, modern treatment, , domiciliary and home health care
The official product page and customer information sheet list investigation and evaluation, rest cure/rehabilitation, obesity or weight control, change-of-gender treatment, cosmetic or plastic surgery, hazardous or adventure sports, breach of law, excluded providers, substance abuse and alcohol, wellness and rejuvenation, dietary supplements, refractive error, unproven treatment, sterility/infertility and maternity (unless the maternity benefit is opted). The policy wording remains the complete list.
Overseas travel insurance for business and holiday trips
General Insurance Company Limited
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
All Indian vehicle owners can purchase the package policy
no numeric age threshold is published on the reviewed page or current product-list
The issued policy schedule sets the commencement and expiry dates. General offers third-party liability-only, package/comprehensive and bundled options
the wording expressly covers policies with a term up to one year and policies with a term longer than one year, so the selected duration is shown on the schedule rather than fixed universally on the product page.
Starts at ₹868
the page qualifies this as applying only to select RTOs and specific vehicle makes/models
No general waiting period is stated for the base two-wheeler package cover. Cover applies during the policy period shown in the schedule
individual add-ons can have their own conditions, such as a 15-day exclusion for certain tyre/rim damage cover and a maximum of two replacements in one annual period.
Third-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy
Mechanical/electrical breakdown
alcohol or drug-impaired riding
normal wear and tear
inactive policy
unlawful activity such as racing
incidents outside the geographic boundaries
war
minor or unlicensed rider
insured-person injury/death while riding
and riding without a helmet. The policy wording controls the complete list.
Non-linked, non-participating group fund-based life-insurance product
Life Insurance Company Limited
₹10,000 sum assured per member for gratuity, leave encashment, superannuation, post-retirement medical benefit and other savings schemes
the master policyholder may instead insure the scheme-defined death benefit under the OYRGTA product
Minimum age at entry 1 year
maximum age at entry is as per the scheme rules. Maturity age is also as per scheme rules.
One year, renewable annually.
₹5,000 minimum contribution at inception
the official page does not publish a maximum contribution.
Not published in the current CapAssure Gold product page, brochure, policy document or
Group fund-based life insurance for gratuity, leave encashment, superannuation, post-retirement medical benefit schemes and other savings schemes
scheme benefits follow defined-benefit, defined-contribution or hybrid rules
Suicide exclusion is not applicable. Cover can lapse when the policy-account value is insufficient to recover mortality charges and recommences once sufficient value is available. Member cover also ends on scheme-defined retirement/exit, cessation of employment, death, master-policy surrender/termination or maximum cover-ceasing age under scheme rules.
Individual, non-linked, non-participating life insurance pure-risk/savings product with return of premium
111N141V02.
Life Insurance Company Limited
₹10 lakh to ₹60 lakh in ₹5 lakh choices, subject to board-approved underwriting
Minimum 18 years and maximum 50 years
age is measured on the last birthday.
10 years.
Regular premiums are payable for the same 10-year period as the policy term.
No general illness waiting period is published for this term plan. A 12-month suicide exclusion applies from risk commencement or revival
the policy document specifies the limited refund treatment during that period.
For an in-force policy, the lump-sum sum assured on death is the highest of the sum assured, 11 times annualized premium, or 105% of total base-product premiums paid up to death. Annualized premium excludes taxes, rider premiums, underwriting extras and modal loading.
Death by suicide within 12 months from policy commencement or revival is subject to the policy's limited refund rule rather than the normal death benefit.
Entry age: 5–50 years. Maturity age: 18–65 years (age last birthday).
Regular pay: 10–30-year policy term, with payment term equal to policy term. Limited pay: 15–30-year policy term, with 7-year or 10-year payment term.
₹36,000 yearly or ₹3,000 monthly. Maximum: no limit, subject to Life's board-approved underwriting policy.
Not published as a separate disease or claim waiting period in the reviewed eWealth Plus product page, V01 brochure/prospectus or 55-page policy document with .
Life insurance cover, online buying, no premium allocation charge and a choice of two investment strategies
If the Life Assured commits suicide within 12 months from commencement of policy or revival, the death benefit is not paid. The fund value on the date of death intimation is paid to the claimant, and risk cover ceases
charges other than Fund Management Charges recovered after death are added back to the fund value.
the maximum sum assured is offered under Life's board-approved underwriting policy.
18 to 79 years (age at last birthday)
maximum maturity age is 80 years.
One-year renewable cover
Premium is set for the selected group cover and benefits
the official page does not publish a universal numeric rate. The minimum death benefit is at least 105% of total premiums paid during the cover period, excluding explicitly collected extra premium and taxes.
No single public waiting-period duration is assigned to this product. The policy document says insurance cover for a mid-joiner commences from the date of receipt of premium
the policy schedule can specify Not Applicable, 30, 45 or 60 days for a scheme. This is separate from the 12-month suicide provision for non-compulsory schemes.
Flexible group life cover with multiple optional riders for employer-employee, non-employer-employee, affinity and professional-association groups
For compulsory employer–employee schemes, the suicide exclusion is not applicable. For other schemes, suicide within 12 months from commencement of risk or revival pays the higher of 80% of total premiums paid or unexpired risk premium, instead of the death benefit. Rider exclusions follow the selected rider terms.
the aggregate sum assured across Life group micro-insurance products is capped at ₹2,00,000 per group member.
18 to 79 years (age at last birthday)
maximum maturity age is 80 years.
One-year renewable term
Premium per member is set according to the selected sum assured
yearly, half-yearly, quarterly and monthly payment modes are available. Applicable taxes are extra.
No separate waiting period is stated in the current policy document. Benefits commence on the member's Cover Start Date after receipt of the member premium
the separate suicide claim provision applies for death within 12 months in non-employer/other schemes.
Lender-borrower, employer-employee and other non-employer-employee schemes
optional spouse cover at master-policyholder level
For employer-employee and compulsory groups, the suicide exclusion does not apply. For other schemes, suicide within 12 months from the member's Cover Start Date is not paid as the death benefit
the claimant receives 80% of premiums paid (excluding extra premium and taxes), provided cover is in force.
Unit-linked, non-participating group pension savings product
Life Insurance Company Limited
Optional life cover of ₹10,000 per member, if selected by the master policyholder.
18 to 79 years (age at last birthday)
maximum maturity age is 80 years.
One-year renewable (OYR)
the master policy renews annually on a continuing basis.
₹50,000 initial premium or contribution per scheme
no maximum is published. The trustee, employer or master policyholder must confirm the funding need under applicable accounting standards.
No separate waiting period is stated. Cover, where the optional ₹10,000 per-member life cover is selected, follows the member's joining/cover commencement under the master policy
the official KYP/ marks exclusions and grace for non-forfeiture as not applicable.
Employer-employee and institutional group pension funds with loyalty-unit additions, online fund switches and contribution redirections
Not applicable under the Group Pension Plus KYP/ and policy wording
Unit-linked, non-participating group pension product
Life Insurance Company Limited
₹10,000 death benefit in eligible schemes
As per the applicable scheme rules
the official product table does not publish a universal numeric minimum or maximum age.
Minimum 1 year
no maximum published. The term and continuation are governed by the applicable employee-benefit scheme rules.
₹50,000 per scheme at inception
₹5,000 per scheme for subsequent instalments
Not published: the reviewed product page, brochure, product guide and policy document contain no waiting-period clause. Scheme rules, funding requirements and policy conditions govern when benefits become payable.
₹10,000 payable to the nominee on a member's death under leave-encashment and gratuity schemes, in addition to the scheme benefit
No exclusions are applicable under this product. Benefits remain subject to scheme rules, availability of funds in the relevant policy accounts, applicable charges, tax law and unit-linked investment risk.
Basic Sum Assured: ₹58,000 minimum (based on minimum annualized premium) to ₹9,11,000 maximum (based on maximum annualized premium)
a ₹25,00,000 per-life cap applies to policies sold through and .
30 days to 50 years
maximum maturity age 65 years
Policy term 12, 15 or 20 years
premium payment term 6, 7 or 10 years respectively
₹12,000 to ₹75,000 per life
No general illness waiting period is stated in the official product page, brochure or . The 12-month suicide clause is an exclusion period, not a medical waiting period.
5.5% simple rate for annualised premium below ₹30,000 and 6.0% simple rate at or above ₹30,000, with life cover throughout the policy term
Suicide exclusion: if the life assured dies by suicide within 12 months from commencement of risk or revival, the death benefit is not paid
while the policy is in force, the claimant receives the higher of 80% of premiums paid or the surrender value available on the date of death.
One-year renewable term running from 1 June to 31 May
renewal continues until age 55 when the premium is paid on time.
₹436 per year
30 days from enrolment or re-joining
₹2 lakh is payable to the nominee on death from any cause after the applicable lien period, subject to the scheme rules
there is no maturity or surrender benefit.
For a new enrolment or re-joining, death other than by accident during the first 30 days from enrolment is not covered and no claim is admissible for that death
the same lien rule applies when an exited subscriber rejoins.
Death cover is the higher of the Fund Value plus a 1.5% Terminal Addition or 105% of Total Premiums Paid (including eligible top-ups). On maturity/vesting, the cover is the Fund Value plus a 1.5% Terminal Addition
proceeds are used for annuity/commutation as permitted by regulations.
Entry age: 20 to 60 years. Maturity/vesting age: 30 to 70 years (age last birthday).
Single premium: 10–35 years. Regular premium: premium-payment term equals the policy term. Limited premium: 5–8 payment years for a 10–35-year term
10 payment years for a 15–35-year term
or 15 payment years for a 20–35-year term.
Regular: ₹30,000 yearly, ₹15,000 half-yearly or ₹3,000 monthly. Limited: ₹40,000 yearly, ₹20,000 half-yearly or ₹5,000 monthly. Single: ₹1 lakh. Maximum: no limit, subject to Life's board-approved underwriting policy.
Not published: the reviewed product page, V02 brochure and linked policy document do not state a disease or claim waiting period. The separate five-year lock-in restricts surrender and withdrawal and is not a waiting-period clause.
Retirement corpus through 7 market-linked funds, loyalty additions and a terminal addition
Suicide exclusion applies when death occurs within 12 months from policy commencement or revival: the nominee receives the Fund Value at death-intimation date and eligible post-death charges other than Fund Management Charges are added back. market-risk and regulatory conditions also apply.
no maximum limit is published. For credit-linked cover, the sum assured follows the outstanding loan and amortisation schedule.
16 to 70 years at entry
maximum maturity age is 75 years. Ages are measured on last birthday.
Single-premium cover: 24–360 months
5-year premium term: 96–360 months
10-year premium term: 180–360 months. A lender-borrower policy cannot exceed the applicable loan term.
Single-premium and level-premium options are available. Payment frequency can be single, yearly, half-yearly, quarterly or monthly
the page does not publish a universal numeric premium because it depends on the loan cover and term.
Not applicable. The RiNn Raksha policy schedule explicitly states “Waiting Period: Not applicable”. The separate 3–75 month moratorium is a loan-disbursal period, not a claim waiting period
suicide within 12 months from cover start or revival follows the published exclusion.
Outstanding loan amount settled in favour of the beneficiary or lender on a covered borrower's death
If an insured member dies by suicide within 12 months from the member's risk-start date, the nominee or beneficiary receives 80% of total premiums paid up to the death date, provided the member policy is in force
The free-cover limit is the sum assured available without individual risk assessment in eligible compulsory non-contributory schemes
cover above it requires satisfactory evidence of insurability and written acceptance.
Employer–employee group members: 18 to 79 years at entry
maximum cover-ceasing/maturity age is 80 years. For cover in lieu of , the scheme rules determine the applicable age limits.
One-year renewable group life cover
the master policy renews annually, subject to its schedule and terms.
Premiums follow the payment mode and due dates shown in the policy schedule
any amount paid above the proportionate cover-period premium is refunded when a member leaves for a reason other than death. No universal numeric premium is stated in the booklet.
The policy schedule provides selectable waiting-period options of Not Applicable, 30 days, 45 days or 60 days
the applicable option is set in the issued master-policy schedule or certificate.
Life cover under the applicable Sampoorn Suraksha policy
For compulsory employer–employee schemes, the suicide exclusion does not apply. For other schemes, death by suicide within 12 months from the insured member’s risk commencement does not pay the death benefit
the claimant receives 80% of total premiums paid (excluding extra premium and explicitly collected taxes) while cover is in force. The accepted quotation and master-policy wording control the applicable clause.
Individual, non-linked, non-participating pure-risk term insurance
Life Insurance Company Limited
₹5 lakh minimum to ₹25 lakh maximum, in multiples of ₹50,000
the maximum is subject to the board-approved underwriting policy.
18 years
5 to 40 years
limited-premium combinations require at least 10 years for a 5-year payment term and 15 years for a 10-year payment term.
₹1,415 to ₹1,01,025
45 days from commencement of risk
non-accidental death during this period receives 100% of premiums paid (excluding taxes), while accidental death remains covered subject to the policy terms.
Simple standard term cover with multiple premium payment options
A 45-day waiting period applies from commencement of risk
only accidental death is covered during it, while non-accidental death returns 100% of premiums paid excluding taxes. Suicide within 12 months pays 80% of premiums for regular/limited premium policies or 90% of single premium, subject to the policy terms.
Not applicable as a life-cover sum insured. Saral Pension is an immediate annuity: the single premium (purchase price) buys a guaranteed lifetime annuity, with 100% return of purchase price under the selected return-of-purchase-price option.
40 to 80 years
Immediate annuity with guaranteed payouts continuing for the annuitant's lifetime
no maturity value is provided.
Single premium. The purchase price is set so the selected annuity mode meets the applicable minimum instalment
there is no universal maximum, subject to the Board Approved Underwriting Policy.
No separate waiting period is published for this immediate annuity. The V03 brochure states that the grace period for non-forfeiture provisions is not applicable
annuity payments follow the selected immediate-annuity option and issued policy schedule.
Guaranteed lifetime income, loan facility and surrender option on specified critical illness
The brochure states that no exclusions apply under the plan
the policy terms and listed critical-illness definitions still govern surrender eligibility.
Term life-insurance savings plan with return of premium
Life Insurance Company Limited
₹25,00,000 to ₹50,00,000
18 to 50 years
maximum maturity age 65 years
Policy term 15–30 years with LPPT-7/10
20–30 years with LPPT-15
or 10–30 years with regular premium (RP).
₹8,050–₹2,18,500 yearly
₹4,106–₹1,11,435 half-yearly
₹684–₹18,573 monthly
The current V02 brochure does not publish a separate general waiting period. It does publish a suicide claim provision for death within 12 months from commencement of risk or from revival
the contract then pays at least the stated percentage or applicable surrender value and terminates.
100% of total premiums paid in a lump sum on survival to the end of the policy term
For suicide within 12 months of commencement or revival, the nominee receives at least 80% of total premiums paid (or the applicable higher surrender value under the revival rule) and the contract terminates.
Annuity plan for National Pension System subscribers
Life Insurance Company Limited
Not applicable as a life-cover sum insured. This is an annuity product: the purchase price is exchanged for the selected lifetime annuity payout, with return-of-purchase-price options governed by the selected annuity option.
Available only to subscribers of the National Pension System (). The reviewed official page does not publish a universal numeric minimum or maximum entry age
joint-life options require each annuitant to satisfy the applicable age rules and allow a maximum age difference of 30 years.
Lifetime annuity: payouts continue for the lifetime of the annuitant or at least one joint-life annuitant. Depending on the selected option, the contract terminates on death or after the purchase price is refunded to the nominee or used for the family-income continuation described on the page.
Single purchase price from corpus, set high enough to pay the applicable minimum annuity. Published instalment thresholds: ₹1,000 monthly, ₹3,000 quarterly, ₹6,000 half-yearly and ₹12,000 yearly
the leaflet notes -regulated subscribers may go below these limits. No maximum purchase price is published.
Not applicable. The current V05 policy document expressly states that no waiting period applies.
Single-life and joint-life annuities
joint-life second annuitant may be spouse, children, parents, parents-in-law or siblings subject to rules
Not applicable. The current V05 policy document lists no event exclusion for which the annuity coverage is not payable
the selected annuity option controls whether purchase price is returned on death.
No fixed sum insured is specified because this is an annuity product. The selected cover is a guaranteed annuity benefit determined by the purchase price, annuity option, annuitant age and payout mode
options may return the purchase price or balance purchase price to the nominee.
0 years for product conversion
30 years for other cases
45 years for deferred annuity
55 years for QROPS. Maximum 75 years for deferred annuity and 95 years for other options. proceeds can use the -permitted exceptions.
Immediate or deferred annuity. Deferred options allow a 1–10-year deferment period, in whole years.
Single premium. Purchase price must support at least ₹1,000 monthly, ₹3,000 quarterly, ₹6,000 half-yearly or ₹12,000 yearly annuity
there is no maximum. No lower annuity-installment limit applies when subscribers purchase from corpus.
Not published: the reviewed current product page, V10 brochure and V09 policy document do not state a waiting-period clause. Immediate or deferred timing is governed by the selected annuity option and the published deferment period.
Individual, non-linked, participating life-insurance savings endowment plan
Life Insurance Company Limited
₹2 lakh minimum
no stated maximum, subject to the board-approved underwriting policy.
Life option: entry from age 3. Life Plus: entry from age 18. Maximum entry age is 50, and maximum maturity age is 65 (age last birthday).
Regular pay or 7-year limited pay: 15–30-year policy term. 10-year or 15-year limited pay: 20–30-year policy term.
Regular pay: ₹12,000 yearly, ₹6,120 half-yearly or ₹1,020 monthly. Limited pay: ₹15,000 yearly, ₹7,650 half-yearly or ₹1,275 monthly. Maximum: no limit, subject to underwriting. The stated minimums exclude any underwriting loading.
A 180-day waiting condition applies only to establishing permanence for the Accidental Total Permanent Disability benefit
it is not applicable where loss is caused by physical severance. The policy does not publish a separate general disease or life-cover waiting period.
Life and Life Plus benefit options
Life Plus includes accidental death and accidental total permanent disability benefits
Suicide within 12 months of risk commencement or revival: higher of 80% of total premiums paid or surrender value, if the policy is in force. Life Plus AD/ATPD exclusions include infection (except qualifying wound infection), alcohol/solvent/drug abuse, self-inflicted injury, criminal acts, war/civil commotion, specified military/police service, nuclear contamination, non-commercial flying and hazardous/professional sports.
Limited pay: 7× annualized premium. Single pay: 1.25× single premium.
Entry age: 18–55 years for limited pay, or 18–60 years for single pay. Maximum maturity age: 70 years (age last birthday).
Limited pay: 15–30-year policy term with a 7-, 10- or 12-year payment term. Single pay: 5–30-year policy term, paid once at inception.
Limited pay: ₹2.5 lakh yearly, ₹1.25 lakh half-yearly, ₹62,500 quarterly or ₹21,000 monthly. Single pay: ₹2.5 lakh. Values are in multiples of ₹100
maximum has no stated limit, subject to underwriting.
No separate general disease or life-cover waiting period is published. For the in-built Accident Benefit, accidental death must occur within 180 days of an accident during the policy term, and accidental total permanent disability must persist for at least 180 days to establish permanence (subject to the policy's physical-severance and other terms).
Gold or Platinum cover options, in-built accidental benefit, nine fund choices, fund switching/redirection and partial withdrawals from the sixth policy year
Suicide within 12 months of policy commencement or revival: the fund value at death intimation is paid and risk cover ceases
non-FMC charges recovered after death are added back. Accident Benefit is excluded for infection except qualifying external wounds, alcohol/solvent/drug abuse (unless medically directed), self-inflicted injury, criminal acts, war/civil commotion, specified military/police service, nuclear contamination, non-commercial aviation and hazardous or professional sports/pastimes.
Life-insurance investment plan with guaranteed additions and multiple funds
Life Insurance Company Limited
Regular and limited pay: 10× annualized premium. Single pay: 1.25× single premium.
Entry age: 2–55 years. Maturity age: 18–70 years (age last birthday). For a minor life, the selected term must ensure majority at maturity.
Regular pay: 15–30 years, with payment term equal to policy term. Limited pay: 15–30 years with 7/10/12-year payment term, or 20–30 years with 15-year payment term. Single pay: 5–30 years with one payment at inception.
Regular pay: ₹40,000–₹2.5 lakh yearly. Limited pay: ₹50,000–₹2.5 lakh yearly. Single pay: ₹65,000–₹2.5 lakh. Maximum is subject to Life's board-approved underwriting policy.
No separate general disease or life-cover waiting period is published. For the in-built Accident Benefit, accidental death must occur within 180 days of an accident during the policy term, and accidental total permanent disability must persist for at least 180 days to establish permanence.
Guaranteed additions linked to policy term, multiple investment options and life cover
Suicide within 12 months of policy commencement or revival: the fund value at death intimation is paid, risk cover ceases and post-death non-FMC charges are added back. Accident Benefit exclusions cover infection except qualifying external wounds, alcohol/solvent/drug abuse except medically directed use, self-inflicted injury, criminal acts, war or civil commotion, specified military/police service, nuclear contamination, non-commercial aviation and hazardous or professional sports/pastimes.
no stated maximum subject to board-approved underwriting
30 days to 15 years
7, 10 or 12 years
7, 10 or 12 years
No separate general waiting period is published. The policy has a 12-month suicide provision from commencement of risk or revival, and the proposer’s accidental total permanent disability must persist for 180 days to establish permanence (not applicable for physical severance).
Life cover
in-built waiver of future premiums on proposer death or accidental total permanent disability
bonuses
lump-sum or instalment maturity payout up to 7 years
Suicide within 12 months from commencement of risk or revival: death benefit is not payable
the higher of 80% of total premiums paid or surrender value is paid and the policy terminates. Proposer waiver is not applied for suicide within 12 months and excludes infection, drug/alcohol abuse, self-inflicted injury, criminal acts, war/civil commotion, military service, nuclear contamination, aviation and hazardous sports.
Long-term savings life-insurance plan with guaranteed survival income
Life Insurance Company Limited
Minimum basic sum assured is 10 times annualised premium.
Entry age: 30 days to 55 years
maximum maturity age: 100 years. Age is measured as age last birthday.
Policy term equals 100 minus age at entry. Choose a 10-, 12- or 15-year premium-payment term.
Minimum annualised premium is ₹30,000, in multiples of ₹1,000
maximum is subject to board-approved underwriting. Yearly, half-yearly and monthly modes are available. Monthly is 8.50% and half-yearly 51.0% of annualised premium.
Not published as a separate disease or claim waiting period in the reviewed product page, V02 brochure, product guide, policy document or customer information sheet.
Guaranteed survival income starts at the end of the premium payment term
non-guaranteed cash bonus, if declared, may be payable from the end of the seventh policy year
If the Life Assured commits suicide during the policy term within 12 months from commencement of risk or revival, the death benefit is not paid. For an in-force base policy, Life pays 80% of total premiums paid from commencement of risk, or the higher of 80% of total premiums paid and surrender value when the event follows revival
Individual, non-linked, non-participating life insurance savings product
Life Insurance Company Limited
₹5,50,000 (11 times annualized premium)
Minimum 30 days
maximum 45 years through / channels and 60 years through other channels
6, 7, 8 or 10 years
Annualised premium from ₹50,000
Not published as a separate disease or claim waiting period in the reviewed product page, brochure, guide, policy document or
Regular guaranteed income during payout years, flexible life-stage options and optional rider protection
Suicide within 12 months from commencement of risk or revival: death benefit is not payable
the nominee receives at least 80% of total premiums paid, or the higher of 80% of premiums and surrender value after revival, if the policy is in force
No separate general waiting period is published. The policy has a 12-month suicide provision from commencement of risk or revival, and the proposer’s accidental total permanent disability must persist for 180 days to establish permanence (not applicable for physical severance).
Child education savings
Life cover
Maturity benefits
Suicide within 12 months from commencement of risk or revival: death benefit is not payable
the higher of 80% of total premiums paid or surrender value is paid and the policy terminates. Proposer waiver is not applied for suicide within 12 months and excludes infection, drug/alcohol abuse, self-inflicted injury, criminal acts, war/civil commotion, military service, nuclear contamination, aviation and hazardous sports.
Regular or limited premium: 7 times annualised premium. Single premium: 1.25 times single premium.
Regular/limited premium entry age: 8–55 years
single premium: 13–55 years
maturity age: 18–70 years.
Regular premium: 10–30 years, with premium-payment term equal to policy term. Limited premium: 15–30 years, with a premium-payment term from 5 years to one year less than the policy term. Single premium: 5–30 years.
₹6,00,000 yearly
₹3,00,000 half-yearly
₹1,50,000 quarterly
₹50,000 monthly
or ₹6,00,000 single pay
Not published as a separate general disease or claim waiting period in the reviewed product page, brochure and policy document. The policy instead publishes a five-year lock-in and a 12-month suicide exclusion
neither is a general medical waiting period.
Life cover, 12 fund choices, loyalty additions from the end of the sixth policy year, unlimited free switches and partial withdrawals from the sixth policy year or age 18, whichever is later
If suicide occurs within 12 months from commencement or revival, the nominee or beneficiary receives fund value available on the date the death claim is intimated. Charges other than fund-management charges deducted after death are added back.
Individual unit-linked, non-participating child insurance savings plan
Life Insurance Company Limited
Limited-pay or regular-pay: 10 × annualised premium. Single-pay: 1.25 × single premium. The policy schedule sets the issued rupee amount and underwriting limits apply.
Parent/life assured: 18 to 50 years at entry
child: 0 to 17 years at entry. At maturity the child must be at least 18 and may be up to 25
parent maximum maturity age is 65.
8 to 25 years, subject to the child being at least 18 years old at maturity. Premium paying term: single pay once
limited pay 5 years to policy term minus 1 year
regular pay equal to the policy term.
Minimum premium: single pay ₹75,000
yearly ₹50,000
half-yearly ₹25,000
quarterly ₹15,000
monthly ₹5,500. Single-pay maximum is not capped on the page and remains subject to Board-approved underwriting.
No separate general disease or claim waiting period is published in the reviewed page and policy booklet. The policy does publish a five-year lock-in, a 12-month suicide exclusion, and a 180-day persistence/claim timing rule for accidental total and permanent disability
these are not general medical waiting periods.
Death benefit is the higher of Sum Assured or 105% of total premiums paid
future premiums are waived after death of the life assured and the fund value is paid at maturity. Accidental death adds the Accident Benefit Sum Assured
accidental total and permanent disability pays that amount in 10 yearly instalments. The plan also provides loyalty additions, 10 fund options and partial withdrawals from the 6th policy year.
Suicide within 12 months of commencement or revival pays only fund value
the Accident Benefit excludes infection except from an accidental external wound, alcohol/solvent or non-prescribed drug use, intentional self-injury or attempted suicide, criminal acts, war/civil commotion/strikes/riots, military or police operations, nuclear contamination, aviation other than a commercially licensed passenger, and hazardous sports or pastimes such as diving, racing, martial arts, hunting, mountaineering, parachuting and bungee-jumping.
Individual, non-linked, non-participating pure-risk term insurance
Life Insurance Company Limited
Minimum sum assured ₹25 lakh, in multiples of ₹1 lakh
maximum has no fixed limit and is subject to Life's Board-approved underwriting policy.
Minimum 18 years for non-whole-life cover and 45 years for whole-life cover
maximum varies by option and payment mode
Single or regular pay: 5 years to 79 years less age at entry
limited pay: 15–30 years for other-than-whole-life cover depending on payment term, or whole-life cover up to age 100. Increasing Cover requires at least a 10-year policy term.
Single premium from ₹12,000
other premium modes from ₹2,500 annually, ₹1,275 half-yearly or ₹210 monthly, before taxes
Not published. The reviewed Smart Shield Plus product page and complete 44-page policy document do not state a separate disease or claim waiting period
the policy does publish a distinct 12-month suicide exclusion.
Level cover, increasing cover (sum assured increases 5% each year) or level cover with future-proofing
optional Better Half Benefit and Accident Benefit Rider
cover option up to age 100
Suicide claim provision: if death due to suicide occurs within 12 months from commencement of risk or from revival, the nominee or beneficiary receives 80% of total premiums paid to the date of death or the unexpired risk premium value at death, whichever is higher, provided the policy is in force.
Individual, non-linked, non-participating pure-risk term insurance
Life Insurance Company Limited
Minimum sum assured is ₹2,00,00,000 in ₹1,00,000 multiples. The maximum is not fixed on the product page and is subject to the Board-approved underwriting policy. Sum Assured on Death is the highest of the absolute amount assured, 11 × annualised premium or 105% of total premiums paid
increasing cover rises by 10% at the end of every 5th policy year up to 100% of the original sum assured, with no further increase after age 71.
Minimum entry age 18 years
maximum entry age 60 years. Maximum maturity age is 85 years.
Minimum policy term 10 years
maximum is 85 years minus age at entry. Regular premium term equals the policy term. Limited premium options are 5, 10, 15, 20 or 25 years, with policy-term combinations constrained by the published table.
Minimum premium: ₹9,500 yearly, ₹4,500 half-yearly or ₹800 monthly. Maximum premium is not capped on the page and is subject to Board-approved underwriting. Half-yearly premium is 51% of annualised premium
monthly is 8.50% of annualised premium.
No separate general medical or claim waiting period is published in the reviewed product page or policy document. The only time-based claim restriction published is the 12-month suicide exclusion from commencement of risk or revival
normal cover applies once risk starts and the policy is in force.
Level Cover keeps the original sum assured level
Increasing Cover adds 10% at the end of every 5th policy year up to 100% of the original sum assured, stopping after age 71. Death benefit is payable during the in-force policy term. No maturity benefit is payable. Optional Life Accident Benefit Rider offers accidental-death and accidental-partial-permanent-disability options.
Suicide within 12 months from commencement of risk or revival is excluded from the death benefit
the claimant receives the higher of 80% of total premiums paid or the Unexpired Risk Premium Value, provided the policy is in force. The pure-risk policy has no other general exclusion list on its product page
the optional Accident Benefit Rider has separate terms and exclusions.
Individual term insurance with return of premium on survival
Life Insurance Company Limited
₹5,00,000 minimum and ₹24,90,000 maximum. Sum assured must be in ₹50,000 multiples for / channels and ₹10,000 multiples for other channels.
Entry age is 18–50 years for / channels and 18–60 years for other channels. Maximum maturity (cover expiry) age is 65 years for / and 75 years for other channels
age is measured at last birthday.
Policy term is 15–30 years. Single premium, LPPT-7 and LPPT-10 are available for 15–30 years
LPPT-15 is available for 20–30 years
regular premium is available for 15–30 years. Payment frequency may be single, yearly, half-yearly or monthly.
Published premium ranges are: single ₹19,000–₹7,79,000
yearly ₹5,000–₹1,80,000
half-yearly ₹2,550–₹91,800
monthly ₹425–₹15,300. Half-yearly is 51% of annual premium and monthly is 8.50% of annual premium.
No waiting period applies under the product.
↓
Term life cover, return of premium on survival and optional Accident Benefit Rider
If suicide occurs within 12 months from risk commencement or revival, the nominee/beneficiary receives at least 80% of total premiums paid (subject to the policy being in force and the page's stated conditions)
Individual, non-linked, non-participating life-insurance savings product with return of premium
Life Insurance Company Limited
Basic Sum Assured starts at ₹25,00,000, in multiples of ₹50,000. No maximum is published
higher amounts are subject to the Board-approved underwriting policy.
Entry age: 18 to 60 years. Maximum age at maturity: 75 years. Age is measured as age last birthday on the proposal date.
Limited-pay (LPPT) 7- or 10-year payment terms allow a 15–30-year policy term
LPPT 15 allows 20–30 years
regular premium (RP) allows 10–30 years.
Yearly, half-yearly and monthly payment modes are available. Minimum premium: ₹6,000 yearly, ₹3,060 half-yearly and ₹510 monthly. Maximum premium is not limited, subject to Board-approved underwriting. Half-yearly loading is 51.00% of annual premium and monthly loading is 8.5%.
Not published as a separate disease or claim waiting period in the reviewed product page, leaflet, policy document or customer information sheet.
Life cover with total refund of premiums upon survival at the end of the policy term
If suicide occurs within 12 months from commencement of risk or revival, the death benefit is not paid. For an in-force base policy, the claimant receives the higher of 80% of total premiums paid up to death or the surrender value available at death.
Non-linked, non-participating general annuity group product
Life Insurance Company Limited
Not applicable as a sum-insured benefit: the product is an annuity purchased with a single purchase price, and the published benefit is an annuity instalment (minimum ₹1,000 monthly, ₹3,000 quarterly, ₹6,000 half-yearly or ₹12,000 yearly).
30 years minimum for most annuity options
45 years minimum under deferred annuity options
maximum 85 years
The master policy continues until the last annuitant is alive and/or annuity is being paid under the scheme rules
member annuity may be immediate or deferred by 1 to 10 years.
Single purchase price is set so the selected annuity option can pay at least ₹1,000 monthly, ₹3,000 quarterly, ₹6,000 half-yearly or ₹12,000 yearly
no maximum is published and the price is subject to the board-approved underwriting policy.
No separate waiting period is published. Immediate annuity payments begin under the selected option and deferred options postpone payouts for the chosen 1–10 year deferment period
this deferment is not a claim waiting period.
Retirement income
Immediate or deferred annuity
Four payout frequencies
No exclusions are applicable under this product, according to the current official product page.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral.
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