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  • National Health Insurance

    Car Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Launched in 1906, National Insurance is the oldest general insurance company in India. The company has since established a strong presence in the Indian market catering to a wide range of customers. National Insurance offers insurance products under motor, health, personal, rural, industrial, and commercial.

     

    Features & Benefits of National Insurance

    • Online availability - National Insurance offers individual as well as family policies online. Individuals can avail such policies if they are 50 years or below and need a sum insured of Rs.5 lakh.
    • Online Renewal - Customers can easily renewal their insurance policy online. This makes renewals quick and hassle-free.
    • Pre-policy check-up - This is required only if the customer is 40 years or above, or requires are sum insured of Rs.6 lakh and above. In case the customer wants to opt for the Critical Illness cover, then a medical check-up is required. Furthermore, if the proposal for insurance is accepted, National Insurance will reimburse 50% of the cost.
    • Customer Care - National Insurance provides multiple avenues for customers to contact the customer support team via a toll-free number, email, or online chat.
    • Cashless Facility - National Insurance has a tie-up with over 6,000 hospitals across India.
    • Tax Benefits - All policies are eligible for tax exemptions for premium paid under Section 80D of the Income Tax Act.

    Health Insurance Plans provided by National Insurance

    Plan Name Plan Basis Sum Insured Policy Term
    National Mediclaim Policy Family Rs.50,000 to Rs.5 lakh (in multiples of Rs.25,000) Lifelong renewability
    Parivar Mediclaim Policy Family Rs.2 lakh to Rs.5 lakh (in multiples of Rs.50,000) Renewal up to the age of 65 years
    National Mediclaim Plus Policy Family Rs.2 lakh to Rs.50 lakh Lifelong renewability
    Overseas Mediclaim Employment and Studies Individual US$150,000 to US$500,000 As per travel needs
    National Parivar Mediclaim Policy Family Rs.1 lakh to Rs.10 lakh (in multiples of 1 lakh) 1 year to 3 years
    National Parivar Mediclaim Plus Policy Family Rs.6 lakh to Rs.50 lakh 1 year to 3 years

    National Mediclaim Policy

    This plan offers financial protection to cover hospitalisation expenses that one might incur during the treatment of a disease, illness or injury. This policy also covers over 140 day care procedures. The insured person is entitled to claim insurance during the policy period.

    Unique Features of Plan

    • Anyone between the age of 18 and 65 years can avail this policy.
    • Dependent children between the age of 3 months and 18 years can be included in this policy.
    • Dependent parents are also eligible to be covered under the same plan.
    • This plan comes with lifelong renewability.
    • The maximum sum insured is Rs.5 lakh.
    • The policy covers hospitalisation charges, ambulance fee, Ayurveda, Homeopathy, and day care procedures.
    • There are good health incentives offered for every claim-free year.
    • A discount of 10% is offered if the policy is bought on a family basis.

    Plan Details

    Policy term Lifelong
    Entry Age 18 years
    Plan Basis Family
    Sum Insured Range Rs.50,000 to Rs.5 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Required for those above 40 years and for those opting for CI cover
    Co-Payment Not specified
    Waiting Period 30 days (except accidental injuries) 4 years for pre-existing illnesses
    No Claim Bonus Yes
    Discounts 10% for family policies

    Parivar Mediclaim Policy

    This is a floater policy that offers cover for the individual, spouse, plus two dependent children. The sum assured is provided as a single floater which can be avail against treatment in hospitals for accidental injury, illness and diseases.

    Unique Features of Plan

    • Anyone between the age of 18 and 60 years can avail this policy.
    • Dependent children between the age of 3 months and 25 years can be included in this policy.
    • Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage.
    • This plan is renewable up to the age of 65 years.
    • The maximum sum insured is Rs.5 lakh.
    • The policy covers hospitalisation charges, day care procedures, pre and post-hospitalisation, and organ donations.
    • 50% of the sum assured is the maximum one can avail for any one illness.
    • There are good health incentives offered for every claim-free year.
    • A discount of 10% is offered if the policy is bought on a family basis.

    Plan Details

    Policy term Till the age of 65 years
    Entry Age 18 years
    Plan Basis Family floater
    Sum Insured Range Rs.50,000 to Rs.5 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Required for those above 40 years and for those opting for CI cover
    Co-Payment 10% for illnesses arising out of diabetes and hypertension, if diabetes OR hypertension is pre-existing 25% for illnesses arising out of diabetes and hypertension, if diabetes AND hypertension is pre-existing
    Waiting Period 30 days (except accidental injuries) 4 years for pre-existing illnesses
    No Claim Bonus Yes
    Discounts Not specified

    National Mediclaim Plus Policy

    This policy offers three plan options that can be selected according to the customer’s needs and budget. The insured will be covered against expenses arising out of hospitalisation, pre and post-hospitalisation, day care treatment, allopathy, Ayurveda, and Homeopathy.

    Unique Features of Plan

    • Anyone between the age of 18 and 65 years can avail this policy.
    • Dependent children between the age of 3 months and 18 years can be included in this policy.
    • Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage.
    • Dependent parents can also be covered.
    • This plan comes with lifelong renewability.
    • There are optional covers for Critical Illness cover, outpatient treatments, cumulative bonus, good health incentives, and health check-ups.
    • There are three plan options:
      • Plan A - Rs.2 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
      • Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh
      • Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
    • The proposer can take the same sum insured for each member, or different for each member.

    Plan Details

    Policy term One year. Lifelong renewability
    Entry Age 18 years
    Plan Basis Family floater
    Sum Insured Range
    • Plan A - Rs.2 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
    • Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh
    • Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening
    • Required for those above 40 years
    • Those opting for cover above Rs.6 lakh
    • Those who opt for CI cover
    Co-Payment 20% if treatment is availed at a non-network provider
    Waiting Period 30 days (except accidental injuries) 1, 2 or 4 years for pre-existing illnesses depending on the illness
    No Claim Bonus Yes
    Discounts
    • 10% for family policies
    • 10% for members between 18 to 25 years
    • 5% for online policies

    Overseas Mediclaim Employment and Studies

    This plan is specially designed to cover travel emergencies for people venturing out of the country. There are three categories of people covered under this policy: business and holiday, employment and study, and coporate frequent traveller.

    Unique Features of Plan

    • Premiums towards this plan can be paid in INR.
    • An international service provider will be able to assist customers with claims.
    • Claims will be payable in the respective foreign currency. In most cases, the service provider will pay the hospital directly.
    • Under this policy, cashless service is not available.
    • The first US$100 of all claims will have to be borne by the customer.

    Plan Details

    Policy term As per the travel length
    Entry Age Not specified
    Plan Basis Individual
    Sum Insured Range US$150,000 to US$500,000
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Anyone above the age of 70 years travelling for 60 days or more If medical reports cannot be provided, the cover will be capped at US$10,000
    Co-Payment NA
    Waiting Period NA
    No Claim Bonus NA
    Discounts Not specified

    Overseas Mediclaim Business and Holiday

    This plan is designed for those who travel abroad on business or holiday. The plan is a package policy that offers comprehensive health cover.

    Unique Features of Plan

    • Premiums towards this plan can be paid in INR.
    • An international service provider will be able to assist customers with claims.
    • Claims will be payable in the respective foreign currency. In most cases, the service provider will pay the hospital directly.
    • Under this policy, cashless service is not available.
    • The first US$100 of all claims will have to be borne by the customer.

    Plan Details

    Policy term As per the travel length
    Entry Age Not specified
    Plan Basis Individual
    Sum Insured Range US$50,000 to US$500,000
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Anyone above the age of 70 years travelling for 60 days or more If medical reports cannot be provided, the cover will be capped at US$10,000
    Co-Payment Applicable
    Waiting Period NA
    No Claim Bonus NA
    Discounts Not specified

     

    National Parivar Mediclaim Policy

    This is a floater policy that offers cover for the individual, spouse, dependent children, and dependent parents. This plan covers hospitalisation, maternity, newborn cover, vaccination, pre-existing diabetes and hypertension and more.

    Unique Features of Plan

    • Anyone between the age of 18 and 65 years can avail this policy.
    • Dependent children between the age of 3 months and 25 years can be included in this policy.
    • Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage or employment.
    • Any other member of the family included in this policy should be 65 years or less.
    • The maximum sum insured is Rs.3 lakh. This is a floater sum that is applicable to one or all the members included in the policy.
    • The policy covers hospitalisation charges, day care procedures, pre and post-hospitalisation, and organ donations.
    • There are good health incentives offered for every claim-free year.
    • Discounts are available for 2 and 3-year policies, online policies, and for excluding maternity cover.

    Plan Details

    Policy term 1 year, 2 years, 3 years
    Entry Age 18 years
    Plan Basis Family floater
    Sum Insured Range Rs.1 lakh to Rs.3 lakh (in multiples of Rs.1 lakh)
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Required for those above 40 years and for those opting for CI cover
    Co-Payment 10% for illnesses arising out of diabetes and hypertension, if diabetes OR hypertension is pre-existing 25% for illnesses arising out of diabetes and hypertension, if diabetes AND hypertension is pre-existing Copayment is also required for treatment outside respective zone.
    Waiting Period 30 days (except accidental injuries) 1-4 years for specific or pre-existing illnesses
    No Claim Bonus 5% on the base premium
    Discounts
    • Online purchase - 5% on the base premium
    • Online renewal - 2.5% on the base premium
    • No maternity/infertility cover for those above 45 years - 3% on individual premium
    • 2-year policy term - 4% on total premium
    • 3-year policy term - 7.5% on total premium

    National Parivar Mediclaim Plus Policy

    With this plan, one can cover themselves, spouse, children, parents or parents-in-law. The sum insured is a floater sum for all that can be a maximum of Rs.50 lakh. The policy covers hospitalisation, maternity, newborn, infertility, ambulance, vaccination, and more.

    Unique Features of Plan

    • Anyone between the age of 18 and 65 years can avail this policy.
    • Dependent children between the age of 3 months and 18 years can be included in this policy.
    • Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage.
    • Dependent parents can also be covered.
    • This plan comes with lifelong renewability.
    • There are optional covers for Critical Illness cover, outpatient treatments, cumulative bonus, good health incentives, and health check-ups.
    • There are three plan options:
      • Plan A - Rs.6 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
      • Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh
      • Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
    • The proposer can take the same sum insured for each member, or different for each member.

    Plan Details

    Policy term One year. Lifelong renewability
    Entry Age 18 years
    Plan Basis Family floater
    Sum Insured Range
    • Plan A - Rs.6 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
    • Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh
    • Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Required for those above 40 years and for those opting for CI cover
    Co-Payment Copayment is also required for treatment outside respective zone and network
    Waiting Period 30 days (except accidental injuries) 1-4 years for specific or pre-existing illnesses
    No Claim Bonus 5% on the base premium
    Discounts
    • Online purchase - 5% on the base premium
    • Online renewal - 2.5% on the base premium
    • Above 45 years - 3% on individual premium
    • 2-year policy term - 4% on total premium
    • 3-year policy term - 7.5% on total premium

    Checklist before Buying National Insurance Health Insurance

    • Know what cover you need - maternity, newborn, pre-existing illnesses, heart, cancer, diabetes, etc.
    • Research different health insurance plan options.
    • Decide on an optimum sum assured taking into consideration inflation.
    • Take your family into consideration and see if other members can be added to reduce the overall premium.
    • Compare different policies online.
    • Once you have decided on a policy, ensure you read the brochure, terms and conditions and any other relevant document provided.
    • Be aware of all exclusions, co-payment options, network hospitals, cashless claim settlement options, and so on.
    • Look out for add-ons/riders that could help you enhance your cover by paying an extra premium.

    Documents Required for Purchasing National Insurance Medical Insurance

    • Valid government-issued ID proof such as Aadhaar, Voter ID, Driving Licence, Passport, etc.
    • Valid address proof such as electricity bill, water bill, ration card, Driving Licence, Passport, Aadhaar, etc.
    • Medical reports if needed.
    • PAN details.

    Reasons to choose National Insurance

    • Get financial cover for yourself and your family under one health insurance plan.
    • Buy and renew your policy easily online and avail special discounts.
    • Enjoy no-claim bonuses if you don’t make a claim, and get good health incentives.
    • Get discounts for including your family members.
    • Medical tests are required for only those above 40 years old, opting for cover of Rs.6 lakh and above, and opting for critical illness cover.
    • The company has a customer care service that functions round the clock.

    Incurred Claim Ratio of National Insurance

    The incurred claim ratio indicates the number of claims settled by a company against the number of claims received in a year. This ratio is calculated by the IRDA taking into consideration the total value of premiums collected by the company and the total value paid out in claims. This ratio is made public on an annual basis. This figure can help customers see how many claims a company rejects. This can help them make a decision on which insurance provider to choose. However, the claim ratio should not be a sole deciding factor.

    Year Incurred Claim Ratio
    2016-17 126.98%

    Extra Benefits from National Insurance

    Cashless settlement 6,000+ hospitals across India
    Medical checkup 50% of the cost of pre-policy checkups will be refunded if the proposal is accepted
    Reinstatement of Sum Insured Available depending on the plan selected
    Tax Rebate Tax benefits against premiums paid under Section 80D of Income Tax Act, 1961
    Hospital Cash Depending on the choice of plan, you can get hospital cash if hospitalisation exceeds 3 days
    Alternative treatment Homeopathic and Ayurvedic treatments are covered
    Free-look period 15 days from the date of receipt of the policy
    Grace period 30 days from the due date or premium payment
    Portability You can port your policy to another company but it must be done at least 45 days before the expiry date
    Riders Add-ons are available for out-patient treatment, critical illnesses, pre-existing diabetes and pre-existing hypertension
    Nomination Mandatory at the time of inception of the plan

     

    National Insurance Renewal

    National Insurance provides the option of renewing your insurance policy easily online on their official website. Alternatively, you can renew your policy at an operating office, through an insurance agent or at self-service kiosks.

    The policy must be renewed by the due date or at least within 30 days after, however, during the 30-day grace period, the cover will not be applicable.

    If the insured passes away, any other member who is above the age of 18 can renew the policy. If only children under the age of 18 years are remaining, the policy will continue till the expiry date. Grandparents are allowed to renew the policy and also cover the grandchildren. The premium will be calculated based on the age of the next eldest person under the policy.

    National Insurance Network Hospitals for Cashless Treatment

    National Insurance has a tie-up with over 6,000 hospitals across India. Insured members can avail cashless treatment at these hospitals. Customers opting for treatment outside of this network might be required to make a copayment of the claim made.

    You can find out if a hospital falls within the National Insurance network by calling the customer support. This information should also be available in your policy document.

    Claim Procedure in National Insurance

    There are three types of claims that can be made to National Insurance:

    • Cashless Claims

    You or a representative needs to notify National Insurance about your hospitalisation.

      • Planned hospitalisation - At least 72 hours prior to admission
      • Emergency hospitalisation - Within 24 hours of admission
    • Reimbursement

    You or a representative needs to notify National Insurance about your hospitalisation.

      • Planned hospitalisation - At least 72 hours prior to admission
      • Emergency hospitalisation - Within 24 hours of admission
    • Vaccination

    You or a representative needs to notify National Insurance about the vaccination at least 24 hours prior.

    Procedure for health insurance claim

    Cashless

    • You need to admit yourself in a network hospital.
    • Procure and fill up the cashless request form which will be available at the TPA counter (third-party administrator).
    • Provide relevant details and medical information.
    • The request will be verified by National Insurance, and if satisfied, an authorisation letter will be sent.
    • The insurer might ask for more information before giving approval.
    • If you are unable to provide adequate information, or if your treatment is not covered, the company can reject your request. You can then file for a reimbursement claim later.
    • Once approval comes through, you can avail the treatment and the bill will be settled directly by National Insurance. You will be required to pay only for non-medicals and any part of the bill that is not covered under your policy.

    Reimbursement

    • Once you complete your treatment, you need to pay the bill.
    • You should collect all documents such as the discharge summary, prescriptions, reports, bills, cash memos, and any other relevant documents.
    • For domiciliary hospitalisation, you need a certificate stating the reasons for domiciliary hospitalisation and a fitness certificate from the treating practitioner.
    • In case of surrogacy, you need a legal affidavit regarding the intimation of surrogacy.
    • For reinstatement of the sum insured you need a policy investigation report of the road accident.
    • For medical emergency reunion, you need a confirmation from a medical practitioner confirming the need for reunion.
    • From the date of receipt of the final documents, the claim will be settled or rejected within 30 days.
    • The payment of the claim will be made within 7 days. Any delay in payment will be paid at an interest rate of 2% higher than the bank rate (as per the beginning of the financial year in which the claim is settled).

    Terms and Conditions of National Insurance

    • In case fraud and misrepresentation, National Insurance will not be liable to pay any claims.
    • Claims will be paid only in INR.
    • Claims will be paid out through NEFT/RTGS only.
    • All medical treatment must be taken in India (except for the overseas policies).
    • National Insurance can revise terms of the policy and premiums rates by giving 3 month's notice.

    FAQs about National Insurance

    1. Can I take a policy to include my whole family including siblings?

      No, there is no policy available under which you can cover siblings. You can only cover spouse, dependent children, legally adopted children, and dependent parents/parents-in-law.

    2. What is a pre-policy medical check-up?

      A pre-policy check-up is a medical test done before a policy can be approved. The test is required for those who are above a certain age, have pre-existing conditions, or for those who smoke or drink alcohol. National Insurance requires those who are 40 years and above to go through a pre-policy check-up. Those opting for a sum insured of Rs.6 lakh or above are also required to do medical tests. If you opt for critical illness cover, you need to do these tests as well.

    3. Will National Insurance pay for the pre-policy check-up?

      Initially, you have to bear the expenses of the medical tests. If your proposal is accepted and National Insurance offers you a policy, then they will reimburse 50% of the cost.

    4. I do not have a PAN. What else can I submit in lieu of it?

      If you are unable to provide your PAN details, you can submit Form 60 or Form 61 as per Rule 1114B of the Income Tax Rule, 1962.

    5. What are the exclusions of maternity cover?

      National Insurance is not liable to make payments on maternity claims under the following circumstances:

      • If the life insured is above the age of 45 years.
      • If there is more than one delivery or termination within the policy year.
      • Surrogacy (in case of infertility) if the claim is made in accordance to the provisions of the policy.
      • Pre and post-hospitalisation as specified in the policy document.
    6. Are there any terms for availing Ayurvedic and Homeopathic treatment?

      Yes, if you are availing these treatments, it needs to be taken at a government hospital, or any institution that is recognised by the government. Institutions that are accredited by the Council of India or National Accreditation Board of Health will also be accepted.

    7. What are pre and post-hospitalisation expenses?

      Medical expenses incurred 30 days before being hospitalised and 60 days after are pre and post-hospitalisation expenses. These can include doctor’s consultation, diagnostic tests, prescriptions, and so on.

    8. Up till what age can my dependent daughter be covered under this policy if she remains unmarried?

      If your daughter is unmarried and unemployed, provided that she is dependent on you, there is no age limit specified by National Insurance.

    9. Is there any extra benefit to purchasing a policy online?

      If you purchase a policy online, you will be entitled to 5% discount on your premium. Medical check-ups are not required. You will also have your policy instantly issued to you via email.

    10. How long does it take for National Insurance to settle a claim?

      Hospitalization, pre hospitalisation expenses and ambulance charges, air ambulance charges and medical emergency reunion charges 15 days from date of discharge from hospital
      Post hospitalisation expenses and doctor’s home visit and nursing care 15 days from completion of post hospitalisation treatment
      Domiciliary hospitalisation expenses 15 days from issuance of fitness certificate
      Anti rabies vaccination, new born baby vaccination and vaccination of children 15 days from date of vaccination
      Infertility treatment 15 days from completion of treatment
      Health check up expenses Within 6 months of the 3rd policy year
    11. How long does National Insurance take to give approval on a cashless claim request?

      Approvals are sent as soon as possible, but should not take more than 24 hours.

    12. Which policies are available online?

      You can purchase Individual and Parivar policies online. Online policies are available to those who are not more than 50 years old and require a sum insured of Rs.5 lakh.

    13. How do I contact the National Insurance customer care?

      • You can chat with them online on the National Insurance website.
      • You can call 1800 200 7710 toll free
      • You can email faf@nic.co.in
    14. How do I renew my policy online?

      • Log onto the National Insurance official website
      • Click on “To Renew Your Policy Online”
      • You will be directed to a new page where you can enter your policy number and a captcha code.
      • You can then review your policy details.
      • If you are satisfied, you can make the payment towards the premium.
      • Your new policy will be issued to you.

    National Health Insurance Reviews

    • SBI Life Life Insurance
      "Benefits are good"
      0.5 5.0/5 "Blown Away!"
      I have taken a life insurance policy which is beneficial to my nominee after my death. This policy is taken through the government and I need to pay my premium in my account. The amount of 355 is debited and after which sent to SBI life for the same.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 14, 2018
    • LIC Life Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a mediclaim insurance through the government subsidy. I need to pay a premium of Rs. 12 per year. The sum assured is for two lakhs. I need to renew the policy every where. The government in turn gets my insurance through LIC. Good overall.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 14, 2018
    • Max Life Insurance
      "Benefits are good"
      0.5 5.0/5 "Blown Away!"
      I have a ULIP policy with Max Life. The process to buy this policy is good and there are no hassles in the process. The tenure is for 20 years. The premium is on a yearly basis. It is a simple normal policy. The sum assured and benefits are good. The payment mode is also convenient.
      Was this review helpful? 0
      , sonipat
      Reviewed on Jun 14, 2018
    • HDFC Life Life Insurance
      "Good features overall"
      0.5 5.0/5 "Blown Away!"
      HDFC Life is good in the overall benefits and services. I have taken a life insurance. The tenure is for ten years and there is a lock in period for five years. After the fifth year, I do not have to pay a premium. After the maturity term I would get my sum assured. The premium is normal and I pay it on a yearly basis.
      Was this review helpful? 0
      , rupnagar
      Reviewed on Jun 14, 2018
    • LIC Life Insurance
      "Good. Can be more beneficial"
      0.5 4.0/5 "Great!"
      LIC is also good overall in their policy benefits. I have taken a money back plan. There is a bonus I would get every five years and the tenure is for 20 years. The payment mode is also convenient for me. They could improve on the benefits in their policies.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • Max Life Insurance
      "Beneficial policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a term insurance with Max Life. The policy is beneficial and there are good plan benefits and the sum assured as well. The tenure is for 35 to 40 years and the company also has a normal premium. The payment options are also convenient to pay my premiums.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • Bankbazaarinsurance.com Life Insurance
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      My overall experience with Bankbazaarinsurance.com was good. The customer support team was on time to connect with me and inform me the details. The website is also good and hassle free and in all there are no issues to buy the term insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • Aegon Life Life Insurance
      "Satisfied. Premium can be lower"
      0.5 4.0/5 "Great!"
      I have taken a term insurance from Aegon. It is a iTerm Basic Life Cover plan. The process was convenient and I received the soft and hard copy too. The tenure is for 19 years and the sum assured is for 1,00,00,000. The premium frequency is on a monthly basis. But they are high on the premiums.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • LIC Life Insurance
      "Good features"
      0.5 4.0/5 "Great!"
      I have two other policies with LIC. I am not sure of the name. They are also beneficial in the benefits and the returns. The tenure for the policies are of 21 years. I would get my benefits only after the maturity term. The customer support is good overall.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jun 13, 2018
    • LIC Life Insurance
      "More than satisfactory"
      0.5 4.0/5 "Great!"
      The payment options are many at LIC, which is very convenient to pay my premiums. I have taken two Child plan policies. The benefits and the sum assured in these policies are good. The tenure is for 20 years. After the 18th years I would get an amount. Again I would get the balance the after the maturity term.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jun 13, 2018
    • LIC Life Insurance
      "Good benefits"
      0.5 4.0/5 "Great!"
      I am comfortable with the services with LIC. The experience is good and there are no hassles in the overall process. The customer support and response is also satisfactory. I have taken a money back policy. Every five years I would get a bonus and I would also be provided with the sum assured after the maturity term.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jun 13, 2018
    • LIC Life Insurance
      "Experience is good"
      0.5 4.0/5 "Great!"
      My other policy with LIC is the endowment policy. I have taken this policy, because it is very beneficial. The sum assured is good and also the benefits. I would get double the sum assured at the time of maturity. The payment options are convenient.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • LIC Life Insurance
      "Process is good"
      0.5 4.0/5 "Great!"
      I have a life insurance policy with LIC. It is a money back plan. The services are good and there are good benefits and the sum assured is also satisfactory. There is a bonus I would get after every five years and after the maturity term of 20 years I would get the sum assured.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • LIC Life Insurance
      "Nice experience"
      0.5 4.0/5 "Great!"
      I have taken a lot of policies from LIC. My agent is very prompt and he reminds me much before the due date. I have many options to make a payment. I can either do it online and there are many LIC branches as well. I also had one policy matured and I only had to submit my account details and I got my returns with ease.
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      , chennai
      Reviewed on Jun 13, 2018
    • HDFC Life Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using since 3 years. Premium i pay for my insurance is for monthly once that too i do the payment through the on line. Actually i am not aware of the tenuity. Apart from that i have don the documentation which is very easy and it is simple.
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      , thane
      Reviewed on Jun 12, 2018
    • Max Life Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I have been using the life insurance from the MAX LIFE INSURANCE since 1 year. My family gets benefited with the insurance. Premium i pay for yearly once and i pay through the net banking. Tenuity is for 12 years and it is short term. Due to benefit i took the insurance.
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      , bulandshahr
      Reviewed on Jun 12, 2018
    • ICICI Prudential Life Insurance
      "Life insurance from ICICI"
      0.5 4.0/5 "Great!"
      From ICICI PRUDENTIAL i have taken a life insurance with a premium of 75000.The total maturity period is for 10 years, But we have to pay the premium for 5 years. And after completing the 5 more years i could able to claim the amount with the bonus.
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      , new delhi
      Reviewed on Jun 11, 2018
    • Bharti Axa Life Life Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      30 thousand annual payment that i do for my BHARTI-AXA LIFE INSURANCE that i have been taken in 2016 December. Documentation i have done through physically where the agent came to the doorsteps and collected the documents. For 10 years i pay and in the 12th year i would be getting the money. For my family i have taken this insurance .
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      , coimbatore
      Reviewed on Jun 10, 2018
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      JEEVAN SURAKSHA is the plan that i have been using from the LIC. I have been using the policy from LIC from last 12 years. My plan is a long term policy that the tenuity period is for 25 years. I have to pay for the complete 25 years. Apart from that documentation i have done it physically.
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      ,
      Reviewed on Jun 10, 2018
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been holding my JEEVAN ANAND policy from the LIC. I have been holding since 12 years. I made my documentation completely through physically. I have been paying my premium for monthly once from my salary. I am satisfied with the insurance what i am holding from the LIC.
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      ,
      Reviewed on Jun 10, 2018
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