Insurance Companies in Himachal Pradesh

Insurance Companies in Himachal Pradesh| List of Insurance Companies –

List of Life Insurance Companies in Himachal Pradesh

In this article you will be provided information about Life Insurance policies in Himachal Pradesh. You will be provided about basic information criteria for all the described policies.

HDFC Life is first in the list. The company is coming with the plan named Protect 3D plus. There are several cover options under this plan. One is Life Option which is available at Rs 864. Second one is Extra life option which is available at Rs 916 and provides additional sum assured in case of accidental death over the Life Option. Next is 3D Life option which is available at Rs 909 and provides Life cover option and waive off all the future premiums in case of detection of any critical illness. Last one is return of Premium available at Rs 2685 and provides all the paid premiums in case of survival at the end of the policy and sum assured benefits are paid in case of Terminal illness or death.

TATA AIA is second in the list. At monthly premium of Rs 930, the company is coming with the plan named Sampoorna Raksha. The plan is also coming with the annual premium mode, in which you need to pay Rs 10,532. In the annual payment mode, you also save a sum of Rs 15,072. This plan provides you longer protection of 80 years with a policy term of 40 years and this plan is best in its class. Also, the policy provides you all the tax benefits that come under the Income tax rule 1961 section 80C and 10D. At the same time plan is economical and provide long term protection to you and your family.

Next is PNB Met Life Mera Term Plan. This is available at monthly premium of Rs 872. And yearly the premium is Rs 9846. In this annual mode, you can also save Rs 14831 on the policy. The life cover which is the sum assured will be paid to the nominee in case of the unfortunate death of the life Insured. The policy also covers your partner in this plan under which the policy will continues for your partner and all the future premium would be waived off. Also, you can enhance your coverage amount under this policy and for this you need not to give medical examination.

At monthly premium of Rs 709, Aviva Life insurance is coming with its plan named iTerm Smart. The plan is coming with one add on for which you need to pay monthly a sum of Rs 502 and the add on name is Critical illness and disability Rider. In this add on, the min sum assured is Rs 5 Lac and the max is Rs 50 Lac and the pay term is 24 years long. And the sum assured will be paid in case of the death of the life insured during the policy. With a maximum policy term of 62 years, you can have longer protection up to 80 years. Also without any medical examination, you can enhance your life coverage.

Last in the list is Bharti AXA Life Flexi Term plan. This is available at monthly premium of Rs 1,273 in which Rs 760 is the base premium, Rs 462 if for the critical illness. There are three cover options under this plan. One is Lumpsum in which the entire sum assured is paid in one shot to resolve the family’s financial crisis. Second one is the Increasing monthly income. In this monthly income is given to take care of all the expenses for 15 years and the last is Lumpsum plus increasing monthly income. In this a part of the sum assured is paid at the time of death to care of the immediate needs and rest in form of monthly income to care of the Future needs.

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

Sr. NoCompany’s NameCompany’s PolicyEntry AgeMaturity AgePolicy TermMinimum Sum AssuresMaximum Sum AssuredSurvival PeriodPremium Payment Frequency
1HDFC LifeProtect 3D PlusMinimum: 18 years   Maximum: 65 yrs Min : 23 years   Max : 75 years Single, Regular pay – 5 yrs & Limited pay – 6 yrs   Max : 40 years Min : 10 Lac   For ROP : 30 Lac Max : No Limit No limit     30 daysAnnual, monthly, single, half yearly, Quarterly
2TATA AIA LifeSampoorna RakshaMinimum: 18 years     Maximum: For Regular pay/ For Limited pay 5 – 70 yrs For Limited pay 10 – 65 yrs Min : 28 yrs     Max : 80 years last birthday Regular pay/ Limited pay 5 yrs : 10 to 40 years   Limited pay 10 yrs : 15 to 40 yrs 50 lacsNo Limit subject to Board approved underwriting policyAnnual, half yearly, monthly, Quarterly
3PNB MetLife     Mera Term Plan (UIN : 117N092V02)Minimum: 18 yrs   Maximum : 65 yrs 99 yrsMin : 10 years   Max : 99 yrs – age 10 LacAnnual, monthly
4Aviva Life InsuranceiTerm PlusMin – 18 yrs   Max – 65 yrs 80 yrs (Without Rider)   70 yrs (With Rider) 10 – 62 yrs (Without Rider)   5 – 52 yrs (With RIder) 75 Lacs25 Cr30 daysAnnual, monthly, half yearly
5Bharti AXAFlexi TermMin –18 yrs   Max – 65 yrs 85 yrsFixed: 10, 15, 20,25 years , To Age: 60, 65, 70, 75, 85 years10 lacSubject to underwritingAnnual, monthly

List of Health Insurance Companies in Himachal Pradesh

Here we are going to provide the information about some of the good Health insurance companies in Himachal Pradesh and their policy with the details.

First in this list is the Religare Life insurance and the plan name is NCB Super premium. The sum assured is Rs 6 Lacs and the monthly premium for the plan is Rs 990. The total premium for the plan is Rs 13,925. There are 4900 hospital network under this plan which provides you cashless hospitalization and all the day care treatments are covered under the plan.

Next in the list is Health Optima which is a health plan provided by Max health insurance. You need to pay monthly Rs 962 for the plan and the total premium that needs to be paid is Rs 13,587. Medical expenses that cover 30 days before and 60 days after hospitalizations are covered under the policy and there is a network of 3474 hospitals that provides cashless hospitalization.

At monthly premium of Rs 1,679 and sum assured of Rs 1 Cr HDFC ERGO is coming with its health plan named Group health. The total premium for this is Rs 24,800. There is a huge network of 8313 hospitals that provides cashless hospitalization under this plan and all the day care treatments are also covered in this. Maternity and infertility treatment are not covered under this plan.

Next in the list is Star Health insurance. The company is providing plan at monthly rate of Rs 959a and with a network of hospitals that provide you cashless hospitalization. For more information about all the plans  that are covered under this amount you can  visit the company’s website.

Cigma TTK is last in the list and the plan name is Prohealth Plus SB02. The total premium for the plan is Rs 13,058 which is divided in to monthly premiums of Rs 918. Medical expenses that occurs before 60 days and after 180 days of hospitalization are covered under the plan and there is a network of 5023 hospitals in this plan that provides cashless hospitalization.

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

Sr. No.Company’s NameCompany’s PlanSum InsuredKey FeaturesPremium
1.Religare Health InsuranceNCB Super Premium6 lacsMaternity   Not covered   Hospital Room Eligibility Single private room   Bonus on No Claim Rs 3.6 Lacs SI added (reduced on claim)/year   Restoration of Cover Up to Rs 6 Lacs once a year Rs 990 Monthly
2.Max Health InsuranceHealth OptimaRs 5 LacMaternity   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 962 Monthly
3.HDFC ERGOGroup HealthRs 1 CrMaternity   Not covered   Hospital Room Eligibility All categories   Bonus on No Claim Not available   Restoration of Cover Not available Rs 1,679 Monthly
4.Star Health InsuranceHealth OptimaRs 5 LacsMaternity   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
5.Cigma TTKProhealth Plus SB02Rs 5.5 LacsMaternity   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 918 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