Insurance Companies in Chhattisgarh| List of Insurance Companies

Insurance Companies in Chhattisgarh| List of Insurance Companies

List of Life Insurance Companies in Chhattisgarh

Insurance is all about giving a care free life by taking the care of future needs of your family. You are going to provide the brief introduction about some of the life insurance policies.

On the first number, you will be briefed about iTerm Insurance plan. This is provided by Aegon Life and Terms Group Company. The plan is available at a monthly premium of Rs 739. In this amount base premium is Rs 588 and Rs 46 is for the Accidental death benefit rider. In case of diagnosis of terminal illness, 25% of the base sum assured will be paid which can be up to 100 lacs and rest sum assured will be reduced by this percentage. All forms of deaths are covered under this plan and this also includes the terrorist plan. Also the life cover is up to the age of 100 years. The company also provides you the online claim assistance.

HDFC Life is second in the list. The insurance plan is 3D plus Life option. The monthly premium for this plan is Rs 916. There are five cover options under this plan. One is life option for which the premium is Rs 840. In this the sum assured will be paid as lump sum on death to the nominee and all the future premium will be waived off in case of accidental permanent disability. Next is extra life option at premium of Rs 892. In this there is extra sum assured on accidental death. 3D option is next option at premium of Rs 883. In this there is life option benefit and waiver of future premium in case of diagnosis of critical illness. Other two are Return of premium and Lifelong protection option available at monthly premium of Rs 2522 and Rs 6819 respectively.

The third policy for which you are going to be provided the information is eShield plan provided by SBI Life Insurance. There are two cover options in this plan. One is Life cover. This is available at an easily premium of Rs 921 monthly. The second coverage plan over here is Increasing Cover which is available at monthly premium of Rs 1092. In this plan there is increase in the basic sum assured at the end of every 5th policy year at a simple rate of 10% and there would be no increase in the premium.

Exide Life Insurance is coming with its plan named Elite Term Insurance plan. Monthly premium mode is not available for this policy. Only yearly premium are available which is of Rs 10,377. This plan lets you enjoy lower premium rates if you are enjoying a healthy life. You just need to go through a medical examination to purchase this option. You can get preferential premium rates if you are not a smoker or consume tobacco. Moreover, you can also get the super Elite premium rates of your medical examination turn out to be as per the underwriting policies. For female , there is provision for lower premium rates.

Last but not the least, there is e-Term plan provided by LIC. This one is also available in yearly premium mode and you need to pay Rs 15,428 yearly to avail this plan. In case of unfortunate or unexpected death of the life insured during the policy term, sum assured would be payable to the nominee. There is discount of 8% on the first year premium. This discount will be carry forwarded as 6%, 4%, 2%, 2% respectively for the consecutive years. Maximum online discount which is allowed is Rs 3,000.

Following is the table that contains the details about the eligibility criteria of the above-mentioned policies.

Sr. No Company’s Name Company’s Policy Entry Age Maturity Age Policy Term Minimum Sum Assures Maximum Sum Assured Survival Period Premium Payment Frequency
1 Aegon Life iTerm Insurance Plan Minimum: 18 years

Maximum: 65 yrs

100 yrs 5 – 62 years or fixed term coverage till age 100 years 25 lacs No limit

 

15 days for monthly premium and 30 days for other Annual, monthly, semiannual, quarterly
2 HDFC Life 3D Plus Life Option Minimum: 18 years

 

Maximum: 65 years

Min : 23 yrs

Max : 75 yrs

Single / Regular pay – 5 yrs & Limited pay : 6 yrs

Max : 40 yrs

10 lacs

30 Lacs (ROP)

No limit 30 days Annual, monthly, half yearly, quarterly, Single
3 SBI Life Insurance

 

eShield Plan Minimum: 18 yrs

Maximum : 65 yrs (Level Cover)

60 yrs (Increasing cover)

75 yrs (Level cover benefit)

70 yrs (Increasing cover benefit)

Min : 5 yrs (For level cover)

10 yrs (For increasing cover)

Max  30 yrs

35 Lac No limit subject to board approved underwriting policy Annual, monthly, Half yearly
4 Exide Life Insurance Elite Term Insurance plan Min – 21 Years and Max  –

60 yrs

70 years for Regular pay and 80 years for extended pay option Single pay : 5 to 35 years

Regular pay : 10 to 35 years

Extended term : Regular pay + 5 years or + 10 years

 50 Lac 1.5 Cr 15 days for monthly premium mode and 30 days for rest of the payment mode Annual
5 LIC e-Term Min – 18 Years and Max – 60 years 75 yrs 10 – 35 years 25 Lac 30 days Annual

List of Health Insurance Companies in Chhattisgarh

Now you will be provided a brief knowledge about some of the Health care plan that you can enjoy in Chhattisgarh and can make your life tension free.

The very first policy in the list for which you are going to be briefed about is 1 Cr Sum assured. This is provided by Aditya Birla Capital. All the medical expenses that occur 30 days before and 60 days after hospitalization would be covered in this plan. There are 500+ day care treatments in this plan and 4000+ hospitals that provide cashless hospitalization.

Second in the list is the Prohealth Plus SB02 plan provided by Cigma TTK. This available at monthly premium of Rs 1232. There is a network of 5023 hospitals that provide cashless hospitalization. For hospitalization, up to one single private room is permissible. 171 day care treatments are covered under the plan. Hospitalization at home is also permissible.

Reliance General Insurance is coming with its plan named Health Gain. At a monthly premium of Rs 1234, this plan provides you a sum assured of Rs 6 Lac. Alternate medical expenses are not covered under the plan. 172 listed day care treatments are covered in the plan. 60 days before and after hospitalization expenses are covered under the plan.

Next in the list Bajaj Allianz. And the plan is Health Guard family floater. 60 days before and 90 days after the hospitalization expenses are covered under the plan. There are 130 listed day care treatments are covered under the plan. There is a list of 5700+ hospitals under the plan that offers cashless hospitalization.

Let’s end the list with Liberty Insurance. The plan name is Health Privilege. There are 3600+ hospitals that provide cashless hospitalization. All the day care treatments are covered under the plan. 60 days before and 90 days after hospitalization expenses are covered under the plan.

Following is the table that contains the details about the eligibility criteria of the above-mentioned policies.

Sr. No. Company’s Name Company’s Plan Sum Insured Key Features Premium
1. Aditya Birla Capital 1 Cr Sum Assured 1 cr  

Hospital Room Eligibility

Single Private A/C Room

 

Bonus on No Claim

Rs 50K SI added (reduced on claim)/year

 

Restoration of Cover

Up to Rs 7.5 Lacs once a year

 

Health Checkups

Once every year

Rs 1700 Monthly
2. Cigma TTK Prohealth Plus SB02 Rs 5.5 Lac Hospital Room Eligibility

Up to single private room

 

Bonus on No Claim

Rs 55K SI added/reduced per year

 

Restoration of Cover

Up to Rs 5.5 Lacs once a year

 

Health Checkups

Once every year, starting year 2

Rs 1,232 Monthly
3. Reliance General Insurance Health Gain Rs 6 lacs Hospital Room Eligibility

Up to single private room

 

Bonus on No Claim

Rs 2 Lacs SI added (reduced on claim)/year

 

Restoration of Cover

Upto Rs 6 Lacs/1.2 Lacs for unrelated/repeated illness

 

Health Checkups

No health checkups

Rs 1234 Monthly
4. Bajaj Allianz Health Guard family floater Rs 5 Lacs Hospital Room Eligibility

All categories

 

Bonus on No Claim

Rs 50K SI added (reduced on claim)/year

 

Restoration of Cover

Up to Rs 5 Lacs once a year

 

Health Checkups

Once every 3 continuous years(upto Rs 5K/member)

Rs 1186 Monthly
5. Liberty General Insurance Health Privilege

 

Rs 6 Lacs Hospital Room Eligibility

All categories

 

Bonus on No Claim

Up to Rs 60K SI added/year

 

Restoration of Cover

Up to Rs 6 Lacs once a year

 

Health Checkups

Once every 3 years

Rs 1561 Monthly

For more detail about any of the above written policy please visit the company site. This is the approximated data.

Also Read : Insurance Companies in India

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