Insurance Companies in Haryana| List of Insurance Companies

Insurance Companies in Haryana| List of Insurance Companies

List of Life Insurance Companies in Haryana

Here we are going to give brief detailing about the 5 policies in Haryana. The entry age, maturity age, pay term, sum assured, etc. are given in the table.

Let’s begin the list with iTerm Plus Insurance plan provided by Aegon Life. At a monthly premium of Rs 739, the policy is available. Also, you can save Rs 13,320 on the policy by switching to the annual mode and for this the premium is Rs 8,498. There are two life benefit option in this plan. In case of the death of the sum insurer nominee will get 100% of the death benefit sum assured as lumpsum provided all the premium have been paid out. Second is the Accidental death benefit. If the life insurer die due to some accident, then the nominee will receive additional lump sum which is equal to the accidental death benefit sum assured opted by the policy holder.

Aviva iTerm Smart is second in the list. The plan is available at a monthly premium of Rs 664 and the yearly premium for this is Rs 7,625. By opting for the yearly premium, you will also save Rs 10,633 on this plan. During the policy, if there is death of the life insurer, sum assured will be paid out. Also there are tax benefits as per the Income tax law 1961 under the section 80C and 10D. Also, there is option to enhance the coverage by opting for the life stage protection and there would be no medical examination needed for this.

Next is iSelect plan provided by Canara HSBC OBC Life Insurance. There are two policy plans. One is monthly and the other one is yearly. If you are opting for monthly plan, you need to pay Rs 847 and if you are opting for yearly plan, you need to pay Rs 9,417 yearly. And by taking the yearly plan you also save Rs 23,137 on the policy. If you opt for the add-on Accidental death benefit, you need to pay Rs 195 as premium and the sum assured is Rs 37 Lacs (Appox). The pay term for this will be 31 years.

Bharti AXA is coming with its plan named Life Flexi Term plan. The plan is available at a monthly premium of Rs 1016. In this Rs 685 is the base premium. Rs 280 is the critical premium. There are three cover options. First is Lumpsum in which the entire death benefit will be paid out as a Lumpsum amount to secure the financial future of family. Second is Increasing monthly income, in which for 15 years monthly income will be set. Third is Lumpsum plus increasing monthly income, in which immediate as well as future needs are taken care of.

Last in the list is the Kotak Life. The life plan name is e-Term Life. The policy is available at a monthly premium of Rs 1277. Yearly this amount is Rs 14,514 and you can also save a sum of Rs 25,110 if you opt for the yearly plan. In case of the immediate death of the life insurer sum assured shall be paid out and there are three options for this. One is immediate payout, second is Level recurring payout and third one is increasing payout.

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 plan Minimum: 18 years

Maximum: 65 yrs

80 yrs 65 yrs less entry age

70 yrs less entry age

75 yrs less entry age

80 yrs less entry age

Death benefit – Rs 25 Lac

Accidental death benefit – Rs 50K

Critical illness benefit – Rs 5 Lacs

 

Annual, Monthly, Half yearly
2 Aviva Life Insurance iTerm Smart Minimum: 18 years

 

Maximum: 65 yrs

 

80 yrs (Without Rider)

70 yrs (With Rider)

 

10 – 62 yrs (Without Rider)

5- 52 yrs (With RIder)

75 Lacs 25 Cr 30 days Annual, monthly, half yearly

 

3 Canara HSBC OBC Life insurance

 

iSelect Minimum: 18 yrs

Maximum : 70 yrs

80 yrs Min : 5 yrs

Max : 40 yrs

 

25Lacs 30 days Annual, monthly
4 Bharti AXA Flexi Term (Life cover with critical illness) Min – 18 Years and Max  –

65 yrs

85 yrs Fixed : 10, 15, 20, 25 yrs. To Age : 60,65,70,75,85 yrs Rs 10 Lac Annually, monthly
5 Kotak Life e-Term Life Min – 18 Years and Max – 65 years 75 yrs Min : 5 yrs

Max  : 40 yrs or 75 yrs – entry age

No limit Annual, monthly

List of Health Insurance Companies in Haryana

Here we are going to give brief detailing about the 5 health policies in Haryana. The key features, monthly premium, sum assured, etc. are added in the list

First in the list is Health Companion plan of Max health insurance. This plan is available at a monthly premium of Rs 1009.  There is a list of 3474 hospitals that offers cashless hospitalization. Hospital expenses of before 30 days to hospitalization and after 60 days are taken care of. Up to RS 3,000 per hospitalization are allowed for the ambulance service. Also there are health checkups annually except for the first year.

Let’s step ahead to Prohealth plus SB02 health care plan of Cigma TTK. The monthly premium for this is Rs 969. There is no coverage for alternate medicine. 171 day care treatment is listed in the list and 5023 hospitals are there that offers you the cashless hospitalization. Maternity coverage of up to 15K for normal delivery and 25K for operation is covered provided there is waiting period of 4 years.

Third in the list is Health Optima plan provided by Star Health. Monthly premium for the plan is Rs 959. There are list of 8200+ hospitals that offers cashless hospitalization. Hospitals expenses of 60 ays before and 90 days after hospitalization are taken care of. All day care treatments would be covered under the plan. Maternity coverage is not in the list.

Second last is the Individual Privilege health care plan provided by Universal Sompe General insurance Co. Ltd.  This plan is available in monthly premium of Rs 773. The plan has list of 4800+ hospitals in the list that offers cashless hospitalization. Medical expenses of hospital that incurred before 60 days of hospitalization and after 90 days of hospitalization are taken care of.

Last in the list is the Elite health care plan provided by Liberty General Insurance. This plan can be enrolled with monthly premium of Rs 1290. There is network of around 3600 hospitals in this list that offers the cashless hospitalization to the life insurer. All day care treatments are covered under the policy. Up to Rs 1500 per hospitalization for the ambulance service are allowed.

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. Max Health Insurance Health Companion Rs 5 Lacs Maternity

Not covered

 

Hospital Room Eligibility

All categories(except suite and above); upto SI

 

Bonus on No Claim

Rs 1 Lac incremental cover/year

 

Restoration of Cover

Up to Rs 5 Lacs once a year

Rs 1004  Monthly
2. Cigma TTK Prohealth Plus SB02 Rs 5.5 lacs Maternity

Upto Rs 15K for maternity after 4 years

 

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

Rs 969 Monthly
3. Star Health Health Optima Rs 5 lacs Maternity

Not covered

 

Hospital Room Eligibility

Single standard A/C room

 

Bonus on No Claim

Rs 1.25 Lacs SI added/reduced per year

 

Restoration of Cover

Up to Rs 5 Lacs (max thrice/year)

Rs 959 Monthly
4. Universal Sompe General insurance Co. Ltd. Individual Privilege Rs 6 Lacs Maternity

Upto Rs 25K for maternity after 3 years

 

Hospital Room Eligibility

All categories

 

Bonus on No Claim

Rs 60K SI added (reduced on claim)/year

Restoration of Cover

Up to Rs 6 Lacs once a yearOnce a year

Rs 773 Monthly
5. Liberty General Insurance Elite Rs 5 Lacs Maternity

Not covered

 

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

Rs 1290 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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