INSURER
Plan Name 3D Plus Life Long Protection Option iTerm Tata Sampoorna Raksha Lumpsum Online Term Plus One Time Lumpsum Plan Mera Term Plan-Full Lumpsum payout I-Protect Smart Lumpsum
Policy Terms One Time Payout 1 Cr 1 Cr 1 Cr 1 Cr 1 Cr 1 Cr
Policy Term 100 Yrs + 69 yrs 40 yrs 68 yrs 68 yrs 44 yrs
Max Coverage Upto 100 Yrs + 100 Yrs 75 Yrs 81 Yrs 99 Yrs 75 Yrs
Claims Ratio 97.60% 97.10% 98.00% 98.00% 92.00% 97.90%
Payment Frequency Yearly, Half-Yearly, Quarterly, Monthly Yearly, Half-Yearly, Quarterly, Monthly Yearly, Half-Yearly, Quarterly, Monthly Yearly, Half-Yearly, Quarterly, Monthly Yearly Yearly, Half-Yearly, Quarterly, Monthly
Medical Test Required Yes Yes Yes Yes Yes Yes
Free Look Period Annual: 30 Days Annual: 30 Days Annual: 30 Days Annual: 30 Days Annual: 30 Days Annual: 30 Days
Mode of premium Regular Pay -Limited Pay: Pay till age 65yrs Single Pay -Regular Pay Regular Pay - Limited Pay: 5/ 10yrs Regular Pay : Limited Pay: Pay till age 60yrs Regular Only Regular Pay : Regular Pay : Limited Pay: Policy term - 5 yr
Rider Details              
Avilable Ridder Benifites Death due to accident & Disability Premium : 307 annually for cover of 10 Lac NA Available Premium : 743 annually for cover of 10 Lac ( Disability due to accident ) Premium : 790 monthly for cover of 10 Lac Premium : 893 annually for cover of 10 Lac + (Disability due to accident ) 177 annually for cover of 10 Lac
Enhanced Critical Illness Premium : Rs 3,545 annually for cover of 10 Lac. Coverage against 19 illnesses. NA Premium : Rs 118 Annually for cover of 50 K Premium : Rs 4,484 annually for cover of 10 Lac. Coverage against 40 illnesses. NA NA
Terminal Illness Inbuilt cover for 25% of Sum Assured Inbuilt cover for 25% of Sum Assured Inbuilt cover for 20% of Sum Assured NA NA NA
Waiver Of Premium (WOP) WOP on Critical Illness: Rs 2,996 annually, WOP on Accidental disability : Free NA NA WOP on Critical Illness & Disabilty: Rs 689 annually NA Premium : Rs 2,432 annually for cover of 5 Lac against 10 illnesses.
Cancer Cover Premium : Rs 881 annually for cover of 10 Lac NA NA NA Premium : Rs 4,042 annually for cover of 10 Lac. ( Heart cover ) Premium : Rs 4,042 annually for cover of 10 Lac ( Heart cover )
Critical Illness/ Serious Illness NA NA Premium : Rs 2,807 annually for cover of 5 Lac NA NA Premium : Rs 2,432 annually for cover of 5 Lac Coverage against 10 illnesses.

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