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HDFC Life and Bharti AXA both are one of the top life insurance providers in India. Both the companies offer comprehensive life insurance plans offering life cover from 10 to 99 years of age. The product portfolio of both of them is vast and caters to unique needs of the customers. The claim settlement ratio of HDFC Life is 99.39% whereas Bharti AXA has 99.09% CSR for the FY 2022-23. The companies provide benefits such as high sum assured, flexible premiums, customizable coverage, rider benefits, options for premium payment terms, maturity benefits, online discounts, non-smoker discounts and various plan options to choose from.
Number of life insurance plans and add-ons | 13 | 4 |
Entry Age (Min-Max) | 18-65 years | 18-65 years |
Policy Term | 5 to 100 years | 5 - 50 years |
maturity Age (Min-Max) | 23 to 60 years | 25-70 years |
Claim settlement ratio (CSR) | 99.39% | 99.09% |
Asset under managment (AUM) | 250000 Crores | 143020 Crores |
Solvency ratio | 1.9 | 1.7 |
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Coverage Amount |
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Optional Additional Riders |
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Number of term plans | 13 | 4 |
Exclusions | Suicide or self inflicted Injury | Suicide or self inflicted Injury |
Death Benefit | Yes | Yes |
Survival Benefit | Yes | Yes |
Claims procedure | Both (Online+offline) | Both (Online+offline) |
Type of the insurer | Private | Private |
Online buying facility for life plans | Yes | Yes |
Premium payment options | Single/limited/Regular | Single/limited/Regular |
Online claim facility | Yes | Yes |
Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.
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A plan offering spouse benefits, premium waivers, premium refunds, and death benefits. It is a flexible protection plan that adapts to your changing needs.
Unique Features
HDFC Life Saral Jeevan Bima, a term insurance plan providing flexible premium payment terms and additional rider options to customize your plan.
Unique Features
A term plan that offers all-around protection to the policyholder as it protects against 36 critical illnesses, accidental death benefits, etc.
Unique Features
This plan guarantees a return of total premiums paid upon policy survival and comes with a high sum assured.
Unique Features
This plan provides a 100% return of premium upon maturity, offers life coverage up to 80 years, and allows premium payments over 5, 8, 10, or 12 years.
Unique Features
This policy offers up to 150% return of premiums, comes in 3 variants and with critical illness and accident riders.
Unique Features
A comprehensive term insurance plan that offers protection against Death, Disease & Disability. 3 different plan options to choose from – 75 lacs, 1cr, 1.25cr.
Unique Features
The plan offers a lump sum or monthly income to the family upon the policyholder's demise, with guaranteed payouts of up to 150% and tax benefits.
Unique Features
Non-Linked Non-Participating term insurance plan with a double sum assured on death due to accident and tax benefits.
Unique Features
An individual pure risk premium plan that covers critical illness at the age of 75 and comes with2 cover options.
Unique Features
Non-Linked Non-Participating Life Term Micro Insurance Plan. It offers flexibility to opt 2 plan options and tax benefits.
Unique Features
An affordable online term insurance plan that ensures protection for your loved ones with an inbuilt family care benefit feature and covers up to 75 years of age.
Unique Features
Non-Linked Non-Participating term insurance policy provides double the sum assured on death due to an accident.
Unique Features
A comprehensive term insurance plan that provides whole life cover, flexible premium payment options, with joint and single life coverage at reasonable prices.
Unique Features
A group term plan designed for co-operatives, institutions, and NGOs, offering life insurance coverage to members' families in case of unfortunate death.
Unique Features
This is a simple insurance policy with low premiums, offering Maturity and Death Benefits, along with tax advantages.
Unique Features
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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February 5, 2023
Asia/Kolkata