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ICICI Prudential and Exide Life 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 Exide Life 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 | 10 - 20 years |
maturity Age (Min-Max) | 23 to 85 years | 5-70 years |
Claim settlement ratio (CSR) | 97.82% | 99.09% |
Asset under managment (AUM) | 286676 Crores | 1800 Crores |
Solvency ratio | 2 | 2.1 |
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.
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This plan provides accidental death cover with lump sum payouts for accidental death and disability, also offering to grow wealth through market-linked returns.
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This policy includes benefits for death and disability, along with valuable add-ons like sum insured protector and claim protector.
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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.
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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
Saral Jeevan Bima is a standard term insurance plan that provides complete protection to your family's dreams that too at affordable rates.
Unique Features
It is a pure-term insurance plan that offers comprehensive coverage at an affordable price with ROP benefit.
Unique Features
By paying an additional premium, Exide Life Term Rider can be added to the Exide Term Insurance plans and will provide enhanced coverage.
Unique Features
A plan that offers a 105 % sum assured as a death benefit, and comes with life insurance coverage for up to 75 or 100 years.
Unique Features
A plan that offers life cover up to 85 years of age, and death benefits and promises safe returns with reduced paid-up benefits.
Unique Features
A plan that offers three plan variants to suit the desired protection provides a return of total premiums paid on completion of the policy term.
Unique Features
A comprehensive plan that offers accidental disability and dismemberment and critical illness rider, a 105% death benefit & family income payout for 5 or 10 years.
Unique Features
A comprehensive plan that offers accidental disability and dismemberment cover, 105% death benefit and a family payout option.
Unique Features
A plan that offers corpus for the child’s future, discount for high premiums accidental death disability and dismemberment rider benefit.
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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