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HDFC Life and ICICI Prudential 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 ICICI Prudential has 97.82% 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 | 11 |
Entry Age (Min-Max) | 18-65 years | 18-65 years |
Policy Term | 5 to 100 years | 5 to 99 years |
maturity Age (Min-Max) | 23 to 60 years | 23 to 85 years |
Claim settlement ratio (CSR) | 99.39% | 97.82% |
Asset under managment (AUM) | 250000 Crores | 286676 Crores |
Solvency ratio | 1.9 | 2 |
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Coverage Amount |
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Optional Additional Riders |
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Number of term plans | 13 | 11 |
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
This plan offers an optional accidental death benefit of up to 2 crores, extended coverage until age 99, and includes coverage for Covid-19 claims.
Unique Features
The plan offers coverage for 64 critical illnesses, 360-degree protection, and enhanced safeguarding against accidental death.
Unique Features
The plan provides coverage for road and train accidents, physical incapacity and comes with discounts for women.
Unique Features
This plan provides accidental death cover with lump sum payouts for accidental death and disability, also offering to grow wealth through market-linked returns.
Unique Features
This policy includes benefits for death and disability, along with valuable add-ons like sum insured protector and claim protector.
Unique Features
ICICI Pru iCare II is a term plan that lets you secure your family’s future, and allows you to choose the number of years for which you wish to pay the premiums.
Unique Features
A standard pure protection term plan that offers coverage on affordable premiums.
Unique Features
The plan covers cancer survivors, pre-existing conditions, post-surgery individuals and offers lump sum and income benefits.
Unique Features
A pure term plan that offers low coverage of 5 lakhs and premium discounts.
Unique Features
ICICI Pru Loan Protect protects your family from the outstanding home and car loans in your absence.
Unique Features
The plan covers death, accidental death, critical illness, and total and permanent disability offering loan benefits during periods of income loss.
Unique Features
See More Life Insurance Articles
See More Life Insurance Articles
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