Term Life Insurance
CommonPure life cover for a chosen term, usually without a maturity payout.
Often considered by
People whose family, loans or long-term goals depend on their income.
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8 categories and 52 plan types explained in plain language. Learn what each type is designed to cover before you compare issued policy wordings from registered providers.
Life cover can provide financial support to your nominee if you die during the policy term, while some plan types also combine long-term savings or retirement benefits. Benefits, returns and exclusions depend entirely on the issued policy.
Pure life cover for a chosen term, usually without a maturity payout.
Often considered by
People whose family, loans or long-term goals depend on their income.
Long-duration life cover that can continue up to the age stated in the policy.
Often considered by
People seeking long-term estate or legacy protection.
Life cover combined with a maturity benefit under the policy terms.
Often considered by
Conservative savers who also need life cover.
A savings-linked life plan with scheduled survival payouts.
Often considered by
People who prefer planned payouts during the policy term.
Life cover with market-linked investment funds and charges.
Often considered by
Long-term investors who understand market risk and policy charges.
Life and savings benefits designed around a child’s future milestones.
Often considered by
Parents building a protected long-term education corpus.
Accumulation or annuity products intended to create retirement income.
Often considered by
People planning income after retirement.
Life cover issued to eligible members of an employer or defined group.
Often considered by
Employers, associations and other eligible groups.
Health insurance can cover eligible hospitalisation and treatment expenses, subject to waiting periods, room-rent limits, co-payments, network rules and exclusions in the policy wording.
A separate sum insured for one covered person.
Often considered by
Anyone who wants cover that is not shared with family members.
One shared sum insured for eligible members of a family.
Often considered by
Couples and families comfortable sharing one cover pool.
Health cover designed for older entry ages and age-related medical needs.
Often considered by
Older adults and families arranging cover for parents.
A fixed benefit after diagnosis of a listed critical illness.
Often considered by
People seeking income support beyond hospital bill reimbursement.
Extra annual medical cover above an aggregate deductible.
Often considered by
People who already have base or employer health cover.
Extra cover above a deductible applied to each claim.
Often considered by
People seeking low-cost additional cover for large hospital bills.
Cover for specified maternity and newborn expenses after waiting periods.
Often considered by
Couples planning a family after considering the waiting period.
Fixed benefits for accidental death or specified disability.
Often considered by
Working adults, commuters and people with financial dependants.
Medical cover arranged under an employer or eligible group policy.
Often considered by
Employers and eligible organisations covering members or staff.
Motor policies can meet the legally required third-party liability obligation and, where selected, protect the insured vehicle against listed accidental or theft losses.
Third-party liability plus own-damage protection for a private car.
Often considered by
Private car owners wanting broader protection.
The statutory liability cover required for a car on public roads.
Often considered by
Car owners who need the mandatory minimum cover.
Own-damage cover used alongside a valid third-party policy.
Often considered by
Car owners who already hold a long-term or separate third-party policy.
Third-party liability plus own-damage protection for a bike or scooter.
Often considered by
Bike and scooter owners wanting broader protection.
The statutory liability cover required for a two-wheeler.
Often considered by
Two-wheeler owners who need the mandatory minimum cover.
Motor cover for taxis, trucks, buses and other commercial vehicles.
Often considered by
Businesses and owners operating commercial vehicles.
Travel insurance can cover specified emergencies such as overseas medical treatment, trip cancellation, baggage loss or passport assistance, subject to the destination, trip dates and policy exclusions.
Cover for specified emergencies and disruptions on trips within India.
Often considered by
People taking flights, trains or organised domestic holidays.
Medical and travel assistance for a defined trip outside India.
Often considered by
International holidaymakers and business travellers.
Long-stay overseas cover designed for students.
Often considered by
Students enrolled at institutions outside India.
Travel cover for older travellers within the insurer’s entry-age rules.
Often considered by
Older travellers who meet the policy’s eligibility rules.
One annual policy covering multiple eligible overseas trips.
Often considered by
Frequent business or leisure travellers.
Travel medical cover designed to meet stated Schengen visa requirements.
Often considered by
Travellers applying for a Schengen visa.
Property insurance can cover a building, its contents or a commercial premises against listed events such as fire, specified natural hazards, burglary or accidental damage.
Cover for the residential building against listed insured events.
Often considered by
Homeowners responsible for rebuilding the property.
Cover for eligible belongings kept inside the insured home.
Often considered by
Owners and tenants who want to protect household belongings.
Property cover for fire and other perils specifically listed in the policy.
Often considered by
Homeowners, shops, offices, factories and warehouses.
Cover for insured property after defined forcible entry or exit.
Often considered by
Homes and businesses holding valuable contents or stock.
A package policy for common shop premises, stock and liability risks.
Often considered by
Retail shop owners seeking a packaged solution.
Business insurance includes cover for assets, cargo, cyber incidents, legal liabilities and employee-related risks. The appropriate combination depends on the business activity and contract requirements.
A configurable package for common small-business property and liability risks.
Often considered by
Small and medium businesses that prefer one coordinated policy.
Protection against covered third-party injury or property-damage claims.
Often considered by
Businesses that interact with customers, visitors or the public.
Protection against covered claims arising from products supplied by a business.
Often considered by
Manufacturers, importers, distributors and retailers.
Cover for specified claims alleging professional error, omission or negligence.
Often considered by
Doctors, consultants, accountants, technology firms and other professionals.
Liability cover for covered claims against company directors and officers.
Often considered by
Companies with boards, investors, lenders or regulatory exposure.
Cover and response support for specified cyber incidents.
Often considered by
Businesses that store data, take online payments or depend on technology.
Transit cover for goods moved by road, rail, air or sea.
Often considered by
Manufacturers, traders, importers, exporters and logistics users.
Employer liability cover for eligible work-related injury or disease claims.
Often considered by
Employers with staff or workers exposed to occupational risk.
Agriculture insurance can protect eligible crops, animals and farm equipment against defined weather, disease, accident or asset-damage risks. Government-scheme eligibility and insurer terms vary.
Cover for eligible crop loss under a notified scheme or commercial policy.
Often considered by
Farmers growing eligible notified crops.
Benefits triggered by measured weather conditions rather than individual loss assessment.
Often considered by
Farmers and agribusinesses exposed to measurable weather risk.
Cover for insured cattle or other eligible animals against defined risks.
Often considered by
Farmers, dairy owners and livestock businesses.
Motor and optional own-damage cover for agricultural tractors.
Often considered by
Farmers and contractors operating registered tractors.
Property cover for eligible agricultural machinery and equipment.
Often considered by
Farm owners with high-value agricultural equipment.
Specialty covers address risks that sit outside the main life, health, motor and property categories. Availability and exclusions vary widely, so the issued wording matters.
Cover for specified veterinary expenses and other listed pet-related risks.
Often considered by
Pet owners seeking help with unexpected veterinary costs.
Cover for listed accidental damage, theft or breakdown risks for devices.
Often considered by
Owners of eligible phones, laptops and personal devices.
Assistance and cover for specified personal online risks.
Often considered by
Individuals who bank, shop or work extensively online.
Cover for defined financial loss when an insured event is disrupted.
Often considered by
Event organisers and businesses with significant committed event costs.
Protection against specified non-payment by business customers.
Often considered by
Businesses selling goods or services on credit terms.