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  • National Health Insurance

    Health 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.

    National Health Insurance HighlightsUpdated on 17 Dec 2018

    Factor Details
    Health insurance plans 7 excellent health insurance policies
    E-services offered
    • Buy insurance policy online
    • Pay renewal premium online
    Branch offices 1998 offices
    Incurred claims ratio (2016-17) 126.98%
    Network hospitals Across many Indian cities

     

    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

    National Mediclaim Policy 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

    Parivar Mediclaim Policy 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

    National Mediclaim Plus 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

    • LIC Life Insurance
      "Average"
      0.5 2.5/5 "Just OK"
      I have a endowment plan with LIC and I stopped taking the new plans in the year of 1994. As we came to know that benefits are not much good. The real rate of return will be 2 to 3% and 6 to 7% as tax free. LIC is also did not offer any term plan until the private company came. It gives very restricted option for the customer to choose at the older time. The customer service is always excellent. It has multiple option for the payment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Life Life Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have started the pension plan with HDFC LIFE for my children. The benefits are based on the market. ULIP charges are very high and some what am not satisfied. They are charging policy administration charges. I have started the policy in the year of 2008 and now the charges are come down and I don't know the current situation. The fund management is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • LIC Life Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken JEEVAN RAKSHA Policy through agent before 3 to 4 years. I can get a quick access from the agent and there is no requirement to go online. It is a health insurance. The medical coverage is 5L per person. I pay the payment through online and overall am satisfied with the policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • review Life Insurance
      "Need proper followup "
      0.5 4.0/5 "Great!"
      Shriram Life is good but I did not find proper follow up from the customer support. There is no reminder call for the policy renewal so I would suggest them to do followup. But whenever I approach them the response is good. I don't find appropriate benefits and it was taken for time being. I am paying yearly 20K for life insurance. The tenure period is 15 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • review Life Insurance
      "Best service"
      0.5 4.5/5 "Excellent!"
      I would say TATA AIA is giving better benefits after 6 years compared to LIC. The tenure period is 15 years, It is a life insurance policy. I need to pay the premium for first 5 years and they are giving dividend which am happy. The customer service is pretty good and the online portal is customer friendly. I pay quarterly approx 6000 rupees through online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • LIC Life Insurance
      "They should improve the customer service"
      0.5 3.5/5 "Pretty good"
      I have a policy with LIC and it was taken through agent before 2 years. He has explained me about the policy accordingly I have chosen it. I don't find any other benefits and If I need to call the customer care its not easily approachable the response is not proper. It is very difficult to take the tax benefits paper from the online portal as well as customer support.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Bankbazaarinsurance.com Life Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a term insurance with the help of bankbazaarinsurance.com and it was recommended by friend. There is no delay in the service, they called me within 1 or 2 minute after placing the request. I have used both website and mobile app, I am comfortable with the website but mobile app is much better.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • ICICI Prudential Life Insurance
      "Need to be quick and more responsible"
      0.5 2.0/5 "Expected more"
      I have not received the documents even I called the customer care thrice and they were informing I will get within a week or 2 weeks but it was not done. I am happy with the plan benefits and policy coverage so I took a term insurance for me with ICICI Prudential.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • Max Life Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I never contacted the customer service, there is no requirement and they have done it on time. I have received the call at the time of processing the policy and explained about the policy to me. I took a term insurance for myself with Max Life. The premium is reasonable and they are offering good benefits.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • Max Life Insurance
      "Better"
      0.5 4.0/5 "Great!"
      The tenure period is 5 years, I have taken a term plan with Max Life through online before 1.5 years. I don't know about the premium since it was paid by my wife. The Sum assured value is 8L. They have explained about the policies and the payment mode is convenient. I pay the premium yearly.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • Max Life Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I pay 50K per year for the premium by cash. I have life insurance which was taken through agent before 9 years with Max Life. The tenure period is 10 years, the customer service is average. Even plan benefits is also average, it has taken for the purpose of future investment. The sum assured value is 12L.
      Was this review helpful? 0
      , varanasi
      Reviewed on Dec 13, 2018
    • LIC Life Insurance
      "Future investments"
      0.5 5.0/5 "Blown Away!"
      I have multiple policies with LIC and its a long term policies. The tenure period is like 15 years, 20 years and 10 years. I pay 12k per year through cash, it was taken through agent before 2 years. The customer service is average, they have explained about the policy. Am happy with benefits.
      Was this review helpful? 0
      , varanasi
      Reviewed on Dec 13, 2018
    • LIC Life Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have more than one life insurance with LIC before 3 years. It is a long term policies. The customer service is average. The tenure period is 20 years. They have not explained me about the policies. I am paying quarterly 6000 rupees through agent. The sum assured value is 5L for one policy.
      Was this review helpful? 0
      , nagpur
      Reviewed on Dec 13, 2018
    • Bankbazaarinsurance.com Life Insurance
      "One stop solution"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar for other purpose for last one year but this is the first time, I have taken my term plan from bankbazaarinsurance.com. I always use their website, usually I get immediate response. There are no issues and i would say its a hassle free service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • HDFC Life Life Insurance
      "They need to improve the customer service"
      0.5 4.0/5 "Great!"
      I like the HDFC Life very much and also their products. The scheme is actually good but the service is not up to the mark. They don't respond for the calls or emails. The policy coverage and benefits are decent. The premium will be auto debited.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • HDFC Life Life Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have taken a term plan with HDFC Life by last year through online. They have provided attractive benefits, low premium and it covers critical illness. The customer service is good and the response was prompt. I am paying premium around 20K per year through online. Payment option is quite good.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 13, 2018
    • SBI Life Life Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have a term plan with SBI LIFE and it was taken 3 years ago. The customer service is very good, they have explained me about the policy. Am paying Rs.1000 yearly through cheque. I need to pay for 20 years, sum assured is 10L. They have provided a good service whenever I enquire about the policy.
      Was this review helpful? 0
      , auraiya
      Reviewed on Dec 13, 2018
    • LIC Life Insurance
      "Average"
      0.5 5.0/5 "Blown Away!"
      I took Jeevan anand policy, LIC is better and am holding the policy more than 7 years. They have explained everything about the policy, the customer service is better. It is a Government enterprise, I find there is delay in the response. The benefits are okay and the tenure period is 15 years. Am paying yearly around 30K through online. After maturity will get good return.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • Max Life Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Max Life is good and they are providing good customer service. The plan benefits and coverage is also good. I am paying yearly 30K through online. It was taken before 3 years through agent and tenure period is 15 years. The sum assured value is 5L. Am getting updates whenever I pay the premium.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • HDFC Life Life Insurance
      "Average"
      0.5 5.0/5 "Blown Away!"
      I have taken a term insurance with HDFC Life through online portal. The customer service is better. The premium is reasonable compared to others. Am paying monthly Rs.1085 through ECS. I need to pay the premium till up to 30 to 40 years. The sum assured value is 50L.
      Was this review helpful? 0
      , cuttack
      Reviewed on Dec 11, 2018
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