Best term insurance plan

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Last Comment 2024-03-02

2024-02-28

Dimers , can you help with the best term insurance plan for 1cr and 2cr coverage?

I also see there is return of premium option in some plans, but we have to pay a bit more. Is this any good ?

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https://www.desidime.com/comments/permalink/9911472

flash007

2024-02-28

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hdfc or max

https://www.desidime.com/comments/permalink/9911521

HasdaChehra

2024-02-28

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Hdfc and bajaj in private sector

https://www.desidime.com/comments/permalink/9911888

cpxfer

2024-02-28

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Max life is not good?

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https://www.desidime.com/comments/permalink/9912722

DEALSTER

2024-02-29

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I have policies from aegon. Obviously no claim experience (I wouldn't be writing this comment otherwise 😄). Their claim settlement ratio was very good and premium was competitive. They also offered home medical check up. You can may be check them as well.

https://www.desidime.com/comments/permalink/9917780

Vijay_Thalapathy

2024-03-02

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Thanks for replies, I see most suggested HDFC.

is it better to take online , if so which site ?

or better to take with bank guys and negotiate price ?

https://www.desidime.com/comments/permalink/9917791

thunderguy

2024-03-02

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HDFC/Max (highest claim settlement ratio)

2 options to buy

  1. online through policy bazaar/official website (most of the times you will get 5% off on 1st year premium)
  2. offline through agent (initial quote maybe expensive - ask them to match the online quote and you can also negotiate to get part of their commissions back)

  do not fall in the trap of money back policies.