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1. Term Life Insurance Plans
- HDFC Life Click 2 Protect Plus: This term plan offers comprehensive coverage options, including life cover, extra life cover with accidental death benefit, income options, and income plus options. It provides flexibility to choose the plan that best suits your needs.
- ICICI Prudential iProtect Smart: A term insurance plan that offers coverage for terminal illnesses and provides an option to add critical illness coverage. It also offers flexibility in premium payment options and provides a lump sum payout in case of the policyholder’s demise.
2. Health Insurance Plans
- Aditya Birla Activ One Plan: This health insurance plan offers a wide range of sum insured options, from ₹2 lakh to ₹6 crore, and provides access to over 11,000 network hospitals. It includes features like wellness coaching, chronic management programs, and health returns.
- Bajaj Allianz Health Guard Plan: Designed to cover medical expenses incurred during hospitalization, this plan offers sum insured options ranging from ₹1.5 lakh to ₹1 crore and access to over 18,400 network hospitals. It also provides coverage for pre and post-hospitalization expenses.
- Care Supreme Plan: Formerly known as Religare, this plan offers sum insured options from ₹5 lakh to ₹1 crore and access to over 22,900 network hospitals. It includes features like annual health check-ups, no claim bonus, and coverage for alternative treatments.
3. Guaranteed Return Plans
- TATA AIA Guaranteed Return Insurance Plan: This plan offers guaranteed returns with flexible policy terms ranging from 5 to 12 years. It is available for individuals aged 18 to 65 years, with a minimum annual premium of ₹24,000.
- HDFC Life Sanchay Plus: A non-participating, non-linked savings plan that provides guaranteed benefits and flexibility in premium payment options. It is suitable for individuals looking for assured returns along with life coverage.
When choosing an insurance plan, consider factors such as your financial goals, coverage needs, premium affordability, and the insurer’s claim settlement ratio. It’s advisable to compare different plans and consult with a financial advisor to make an informed decision.
For a more detailed analysis of health insurance plans available in 2025, you might find the following video helpful
Rahul Khanna
