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ICICI Prudential 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 ICICI Prudential is 97.82% 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 | 11 | 4 |
Entry Age (Min-Max) | 18-65 years | 18-65 years |
Policy Term | 5 to 99 years | 5 - 50 years |
maturity Age (Min-Max) | 23 to 85 years | 25-70 years |
Claim settlement ratio (CSR) | 97.82% | 99.09% |
Asset under managment (AUM) | 286676 Crores | 143020 Crores |
Solvency ratio | 2 | 1.7 |
Policy Type |
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Coverage Amount |
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Optional Additional Riders |
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Number of term plans | 11 | 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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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
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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