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National Health Insurance

Car Insurance
  • Premiums as low as Rs10/day for coverage of Rs.5 Lakhs
  • 10,000+ hospitals for cashless treatment
  • Get plans with no limit on room rent

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

  • Bankbazaarinsurance.com Life Insurance
    "Its Excellent"
    0.5 5.0/5 "Blown Away!"
    I am very much happy with Bank Bazaar insurance.com service, the executive who coordinated for the life insurance, she was very helpful gave me sufficient information related to the term policy. I purchased life insurance without facing any inconvenient service. The website is great, because its helped me a lot and I got good service when compared to other online channel.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2018
  • Aegon Life Life Insurance
    "Good Protection for my family"
    0.5 5.0/5 "Blown Away!"
    The first thing Aegon Life is cheaper and it has good options, and they are providing 80 years of cover in Term insurance. I have chosen the sum assured of Rs. 1 crore with accident rider cover upto 75 years. I am very fine with tax benefits, financial security of Aegon iTerm Basic Life Cover. But the payment gate is not really good, because if I make the payment through other wallets, they are charging two months of installment fee.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2018
  • Bankbazaarinsurance.com Life Insurance
    "Smooth process"
    0.5 5.0/5 "Blown Away!"
    The process is good at Bankbazaarinsurance.com as the communicated on time and it was very quick to buy the insurance policy. I was provided with the necessary details and the process was smooth. I am also comfortable to use the website. It is informative.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2018
  • HDFC Life Life Insurance
    "Good features"
    0.5 5.0/5 "Blown Away!"
    My term insurance is with HDFC Life. I have taken a Life Option Plan Lump sum plan. There is a sum assured for Rs. 75,00,000. The customer services are good, I received the necessary documents on time. The tenure is for 36 years and the premium is also reasonable.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2018
  • Max Life Insurance
    "More than satisfactory"
    0.5 5.0/5 "Blown Away!"
    Max Life insurance is overall good. The customer services more than satisfactory. It is a traditional policy plan. The features are good and there is a good coverage too. The payment options are very convenient. The best is the services, they are supportive.
    Was this review helpful? 0
    , patna
    Reviewed on Jan 19, 2018
  • Birla Sun Life Insurance
    "Excellent services"
    0.5 5.0/5 "Blown Away!"
    I also hold a life insurance with Birla Sun life and the customer services are good. They follow up and there are reminders also done for the premium payments. The sum assured and the benefits are satisfactory. I prefer the services as I get good support.
    Was this review helpful? 0
    , patna
    Reviewed on Jan 19, 2018
  • LIC Life Insurance
    "Satisfied with the features"
    0.5 5.0/5 "Blown Away!"
    I have taken couple of policies from LIC. They are money back and normal traditional policies too.The customer services are excellent. I have taken this insurance personal and not through any other channel. The agent is very helpful. There are times where I tend to miss the premium payments and the agent has paid my premium.
    Was this review helpful? 0
    , patna
    Reviewed on Jan 19, 2018
  • Aegon Life Life Insurance
    "Need to be prompt in sending the documents"
    0.5 3.0/5 "Satisfactory"
    I have taken a Aegon iTerm Basic Life Cover plan. It is a term insurance. The sum assured they have offered is of 50 lakhs. The premium is normal and the payment options are good. But Aegon, has not sent me the hard copy, I do need it because I need to submit the same else where and a printout of the soft copy would not be accepted.
    Was this review helpful? 0
    , patna
    Reviewed on Jan 19, 2018
  • Aegon Life Life Insurance
    "Need to work on the services for the hard copy"
    0.5 3.0/5 "Satisfactory"
    It is easy in Aegon to complete the process. I have taken a term insurance and the plan is Aegon iTerm Basic Life Cover. But I am yet to receive the hard copy. I was told that they would send me the policy in ten days and it is more than a month now. I am not happy with the services. The only reason I have given them a five star is because they had waive off my health checkup looking at my history, which was helpful.
    Was this review helpful? 0
    , patna
    Reviewed on Jan 19, 2018
  • LIC Life Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance policy with LIC. It is a traditional plan. The tenure is for 15 years and the premium is also economical. I am also satisfied with the sum assured. It is for 16 Lakhs. The payment process is also convenient. I can pay it online and and it is on a half yearly basis.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 19, 2018
  • LIC Life Insurance
    "Trusted Insurance"
    0.5 5.0/5 "Blown Away!"
    In India LIC is the number insurance company, and also they are providing life coverage with tax benefits. My yearly premium around Rs. 6800 for the term of 30 years. After the maturity period I get the premium around Rs. 2 lakhs, They provide the loan options with best interest.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2018
  • LIC Life Insurance
    "Very good features"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance policy from LIC. It is a money back plan. The tenure is for 20 years. The premium is economical. I pay a premium of 13K on a yearly basis. The customer services are good. The process to make my payments is convenient online.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Jan 18, 2018
  • HDFC Life Life Insurance
    "Good protection for family"
    0.5 5.0/5 "Blown Away!"
    I am an existing customer of HDFC and also I am working with the same company, hence I know about the benefits of term insurance with HDFC Life. Their claim settlement ratio is high, when its comes to the term insurance, premium doesn't matter. for me. My nominee will survive after my absence, I paid the premium around Rs. 6100 it has the term of 20 years for the sum assured value of Rs. 50 Lakhs with tax benefits, financial security against unforeseen events.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 18, 2018
  • LIC Life Insurance
    "Excellent features"
    0.5 5.0/5 "Blown Away!"
    I have taken a money back policy plan from LIC. It is a life insurance. The tenure is for 20 to 25 years. I have taken it for my son. There will be a bonus for me every three to four years. I would also get the sum assured after the maturity term. I have my friend who works there and he provides all the required details before hand.
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    , chennai
    Reviewed on Jan 18, 2018
  • Bankbazaarinsurance.com Life Insurance
    "Nice experience"
    0.5 5.0/5 "Blown Away!"
    The customer services at Bankbazaarinsurance.com is good. There are no issues as the whole process was on time. The website is also good and it is very informative and the process to purchase the policy is smooth. There are a lot of options to compare and choose the right insurer.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2018
  • Aegon Life Life Insurance
    "Satisfactory services"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance from Aegon. The customer service is good. The documents are sent on time to me. It is a Aegon iTerm Basic Life Cover plan. The coverage is for 25 Lakhs. The premium is also economical and the tenure is for the 40 years.
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    , chennai
    Reviewed on Jan 18, 2018
  • LIC Life Insurance
    "Trust worthy"
    0.5 4.0/5 "Great!"
    I took LIC for my family protection, I make quarterly premium of Rs.2811 for one policy it has the term of 20 years. After the maturity period I get the sum assured value of Rs. 2.5 Lakhs + bonus interest and I hope they are providing accidental and life cover.
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    , dharwad
    Reviewed on Jan 17, 2018
  • LIC Life Insurance
    "Trust government policy"
    0.5 5.0/5 "Blown Away!"
    I have taken 10 to 11 polices from LIC, hence I do the yearly premium around Rs.20,000. Each has different tenure around 15 years, end of the polices I believe will get good return from their end. They are providing tax benefits and life cover from their end.
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    , chennai
    Reviewed on Jan 17, 2018
  • LIC Life Insurance
    "Trust worthy"
    0.5 5.0/5 "Blown Away!"
    LIC claim settlement process is easy and reliable, their agent are very prompt. I have compromised with the insurance and investment amount. I make yearly premium around Rs.18,000 for one policy it has the term of 21 years. Policy name is called Jeevan Anand. After maturity also it provides me life cover till age of 100.
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    , siliguri
    Reviewed on Jan 17, 2018
  • LIC Life Insurance
    "Trust worthy"
    0.5 4.0/5 "Great!"
    I have very old policy with LIC, I have different policies like money back, bheema gold and other policies. I make the total premium Rs. 25,000 per annum. Each policies has different term, and two times I have received the bonus amount for money back policy around Rs. 20,000 to 25,000. But I would suggest them to improve their benefits. However they are providing good features like tax benefits, financial security against unforeseen events.
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    , surat
    Reviewed on Jan 17, 2018
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