Insurance Companies in Uttarakhand

Insurance Companies in Uttarakhand| List of Insurance Companies –

List of Life Insurance Companies in Uttarakhand

In this article we are providing information about some of the Life insurance policies in Uttarakhand. Along this , you will also be provided with the information about basic eligibility criteria for these policies.

SQI Life Insurance is first in the list and the company is coming with a Plan eShield at monthly premium of Rs 900. Annual you can a sum of Rs 5,592, if you go for the annual payment mode and pay premium of Rs 10,567 yearly. The policy is coming with two inbuilt Accelerated terminal illness benefits. Along with this there is two rider options for comprehensive coverage. For non-smokers there is a good news as the policy is coming with lower premium rates for them. Online assistance is always there for the customer support. The plan will be as per your pocket and will take care for their future needs after you.

Next is IDBI Federal Life Insurance CO. Ltd and the plan name is iSurance Flexi Term. The premium in monthly premium mode is Rs 812 and in annual premium mode is Rs 9,027. In the annual ,ode you can also save a sum of Rs 17,208 over the policy. There is one add on to the plan which is Accidental death benefit. Premium for this is Rs 244 and the policy term is 24 years. The Rider sum assured is Rs 51 Lacs. The policy has a Suicide Exclusion. If the life assured has committed suicide, either he is sane or insane at that time, with the 1 years of the policy revival data, then the beneficiary will be entitled to 80% of the premium paid. There is a grace period of 15 days for the monthly premium mode and 30 days for the other modes.

Zindagi Plus is coming with its Term Insurance Plan named Zindagi Plus. The plan is available at monthly premium of Rs 670. You can also switch to the annual premium mode, in which there is need to pay Rs 7,615 yearly and this mode you also save a sum of  Rs 10,200. If the death of the life assured occurs during the coverage period of the policy, an amount which is equal to the total payout will be paid to the nominee. Also, there is protection benefit up to longer policy term which is up to the age of 80 years maximum. At the same time, all the premium that is to be paid and the policy benefit came under the Income tax act 1961 under section 80C and 10D.

Aviva Life Insurance is coming with its plan named iTerm Smart. At a monthly premium of Rs 709 this plan is coming to you with a minimum sum assured of Rs 75 Lacs and Maximum sum assured of Rs 25 Cr. One add on at premium of Rs 502 named Critical illness and disability Rider having minimum sum assured of Rs 5 Lac and maximum of Rs 50 Lac with policy term of 24 years, is also available in this plan. You can also enhance the life coverage amount with help of Life stage protection plan and also there is no need to give any medical examination for this.

Let’s ended up here with Bharti AXA and the plan named is Flexi Term. The premium for the plan is Rs1,222 and this is divided in to Rs 760 as the base premium, RS 462 for the critical illness. There are three cover options in this plan. One is Lumpsum, in which the total payout will be paid to cover the family’s financial future in case o f the unfortunate death of the life assured. Next is increasing monthly income, in which the sum assured in the form of monthly salary for 15 years. Last is Lumpsum plus increasing monthly income. In this a part of the sum assured is paid as Lumpsum and the rest in the form of increasing monthly salary for 15 years.

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
1SBI Life InsuranceeShieldMinimum : 18 Years; | Maximum :Level Cover 65 Years Increasing Cover 60 Years75 years for level Cover Benefit   70 years for increasing Cover Benefit Minimum: For Level Cover: 5 Years   For Increasing Cover: 10 Years Maximum: 30 Years Minimum: Rs 35,00,000     Maximum : No Limit (Subject to board approved underwriting policy)   Sum Assured would be in multiples of Rs. 1,00,000 30 daysAnnual, Half – yearly, monthly
2IDBI Federal Life Insurance co. ltd.iSurance Flexi TermMinimum: 18 years     Maximum: 60 years 80 yearsMin : 10 years   Max : 62 years 50 Lacs30 days for other premium mode, 15 days for monthly premium modeAnnual, Semi-annual, quarterly,monthly
3Zindagi Plus     Zindagi Plus Term Insurance PlanMin : 18 years, Max: ‘Life Cover with Level Sum Assured’ – 65years, 50years for ‘Pay till 60’,‘Life Cover with Decreasing Sum Assured’ – 55years, 50years for ‘Pay till 60’‘Life Cover with Level Sum Assured’ – 28 – 80yrs for Regular, 65 – 80yrs for ‘Pay till 60’,‘Life Cover with Decreasing Sum Assured’ – 65 – 80yrsMin : 10yrs for regular pay and 15yrs for ‘Pay till 60’; Max : 62 yrsMin: 50 lakhs, if Better Half Benefit, Top Up Benefit or Life Stage Benefit is selected;25 lakhs for all other sceneriosMax: No Limit, subject to Board approved underwriting policy.30 days for other premium mode, 15 days for monthly premium modeYearly, Half Yearly, Quarterly & Monthly
4Aviva InsuranceiTerm PlusMin:18 yrs , Max:65 yrs80 Yrs (Without Rider) & 70 Yrs (With Rider)10 to 62 Yrs (Without Rider) & 5 to 52 Yrs (With Rider)75 Lacs25 Cr 30 daysAnnual, Half Yearly, Monthly
5Bharti AXAFlexi TermMinimum : 18 Years; | Maximum : 65 years85 yearsFixed: 10, 15, 20,25 years , To Age: 60, 65, 70, 75, 85 years10 lacSubject to underwritingAnnual, Monthly

List of Health Insurance Companies in Uttarakhand

In this article we are providing information about some of the Health insurance policies in Uttarakhand. Along this , you will also be provided with the information about basic eligibility criteria for these policies.

IFFO TOKIO family health protector is first in the list. The total premium for the health plan is Rs 17,232 and this is divided in to monthly premium of Rs 1,266 that is needs to be paid. There are 4000+ hospitals that provide cashless hospitalization. Hospitals expenses before 45 days and after 60 days of hospitalization are covered under the point.

United India Insurance is coming with the plan named Family Medicare 2016. The premium that is to be paid monthly is Rs 1,138 and the sum assured is Rs 6 Lac. There are 35 listed day care treatment that are covered under the plan. Also, 3700+ hospitals are tied up under this plan that provide cashless hospitalization. Also, hospitalization at home is permeable.

New India Assurance is coming with the plan named Floater Mediclaim. The total premium for this plan is Rs 12,859 which is divided in to monthly premium of Rs 902. Medical expenses that occur before 30 days and after 60 days of the hospitalization are covered under the plan. 1800+ hospitals are there that provide cashless hospitalization and all the day care treatments are covered under this plan.

TATA AIG Mediprime is another one in this list. Alternate medical treatment of worth Rs 25K are covered under the plan. There are 1985 hospitals that provide cashless hospitalization, also there is 140 day care treatment that are covered under the plan. Medical expenses that occur before 30 days and after 60 days of hospitalization and also covered under the plan. Maturity coverage are not there under the plan.

Royal Sundaram General Insurance is last in the list and the plan name is LifeLine Supreme. The plan covers 4195 hospitals that provide cashless hospitalization. All the day care treatment are covered under the plan. The medical expenses that occur 60 days before and 90 days after the hospitalization are covered under this plan. This plan is also not covering the maturity and infertility coverage under it.

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 Features
1.IFFCO TOKIOFamily Health Protector6 lacsMaternity   Not covered   Hospital Room Eligibility Up to Rs 7500/day   Bonus on No Claim Rs 3K SI added (reduced on claim)/year   Restoration of Cover Once a year
2.United India InsuranceFamily Medicare 2014Rs 6 LacMaternity   Not covered   Hospital Room Eligibility Up to Rs 6K/day   Bonus on No Claim Not available   Restoration of Cover Not available  
3.New India AssuranceFloater MediclaimRs 5 LacsMaternity   Not covered   Hospital Room Eligibility Up to Rs 5K/day   Bonus on No Claim Not available   Restoration of Cover Not available
4.TATA AIGMediprimeRs 5  LacsMaternity   Not covered   Hospital Room Eligibility All categories   Bonus on No Claim Rs 50K SI added (reduced on claim)/year   Restoration of Cover Not available
5.Royal Sundaram General InsuarnceLifeLine SupremeRs 5 LacsMaternity   Not covered   Hospital Room Eligibility All categories   Bonus on No Claim Rs 1 Lac incremental cover/year   Restoration of Cover Up to Rs 5 Lacs once a year

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