{"id":42510,"date":"2026-08-24T15:00:00","date_gmt":"2026-08-24T09:30:00","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42510"},"modified":"2026-08-21T21:06:23","modified_gmt":"2026-08-21T15:36:23","slug":"how-to-choose-best-term-insurance-plan-in-india","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/","title":{"rendered":"how to choose best term insurance plan in India ?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#first_check_the_claim_settlement_ratio\" >first, check the claim settlement ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#second_check_the_amount_settlement_ratio_not_just_the_ratio\" >second, check the amount settlement ratio, not just the ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#third_check_the_solvency_ratio\" >third, check the solvency ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#fourth_check_the_annual_premium_volume\" >fourth, check the annual premium volume<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#fifth_calculate_the_right_sum_assured\" >fifth, calculate the right sum assured<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#sixth_buy_early\" >sixth, buy early<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#seventh_consider_riders_selectively\" >seventh, consider riders selectively<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#eighth_avoid_common_mistakes\" >eighth, avoid common mistakes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#ninth_check_the_free-look_period\" >ninth, check the free-look period<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/#frequently_asked_questions\" >frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">the choice of a term insurance plan is not about finding the cheapest premium. it is about finding an insurer that will actually pay the claim when the time comes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a \u20b91 crore policy from a company that rejects claims is worth less than a \u20b950 lakh policy from one that pays. this is the metric that matters most.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"first_check_the_claim_settlement_ratio\"><\/span><strong>first, check the claim settlement ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the claim settlement ratio is the percentage of death claims an insurer pays out. the industry&#8217;s four-year average is 98.66%. that means roughly 1-2 families out of every 100 face rejection during their most vulnerable moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a single year&#8217;s data can be misleading. look for a four-year average above 99%. this indicates the insurer has robust underwriting processes and is not using claim rejection as a cost management tool.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>insurer<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>4-year avg csr<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>solvency ratio<\/strong><\/th><\/tr><\/thead><tbody><tr><td>max life insurance<\/td><td>~99.50%+<\/td><td>2.01<\/td><\/tr><tr><td>tata aia life<\/td><td>~99.20%+<\/td><td>1.80<\/td><\/tr><tr><td>hdfc life<\/td><td>99.68%<\/td><td>1.75<\/td><\/tr><tr><td>icici prudential<\/td><td>99.30%<\/td><td>2.13<\/td><\/tr><tr><td>sbi life<\/td><td>99.40%<\/td><td>1.96<\/td><\/tr><tr><td>bajaj allianz<\/td><td>99.29%<\/td><td>5.16<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"second_check_the_amount_settlement_ratio_not_just_the_ratio\"><\/span><strong>second, check the amount settlement ratio, not just the ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the claim settlement ratio tells how many claims were approved. the amount settlement ratio tells how much money actually got paid. a company can approve 99 claims out of 100 but pay only 80% of the sum assured on average.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">look for an amount settlement ratio above 95%. this ensures high-value claims are paid in full, not just small ones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"third_check_the_solvency_ratio\"><\/span><strong>third, check the solvency ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the solvency ratio measures the insurer&#8217;s financial strength. it is the ratio of available assets to liabilities. irdai requires a minimum of 1.5. look for insurers above 1.80. the higher the number, the stronger the insurer&#8217;s ability to pay claims even during catastrophic events.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">bajaj allianz has a solvency ratio of 5.16, nearly quadruple the regulatory minimum. that is exceptional financial stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"fourth_check_the_annual_premium_volume\"><\/span><strong>fourth, check the annual premium volume<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">large insurance companies collect higher annual premiums and maintain larger customer bases. scale allows insurers to spread risk more efficiently. larger premium pools also protect insurers during periods of unusually high claims.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insurers with annual premium volumes above \u20b95,000 crore are generally considered more stable and better equipped to handle large claim volumes. industry leaders collect over \u20b920,000 crore annually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"fifth_calculate_the_right_sum_assured\"><\/span><strong>fifth, calculate the right sum assured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the common rule of thumb is 10-15 times annual income. but that is a starting point, not a finish line.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the more accurate approach:&nbsp;<strong>(annual income \u00d7 15) + outstanding debts &#8211; current assets<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">for a \u20b912 lakh annual income with a \u20b950 lakh home loan, the ideal cover is at least \u20b92 crore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">also account for inflation. the family&#8217;s needs today will not be the same as their needs 20 years from now.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"sixth_buy_early\"><\/span><strong>sixth, buy early<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">premiums are lowest in the 20s. a 25-year-old pays \u20b9500-700 per month for \u20b91 crore cover. a 35-year-old pays \u20b9900-1,500. a 45-year-old pays \u20b92,000+.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">waiting a decade can more than double the cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"seventh_consider_riders_selectively\"><\/span><strong>seventh, consider riders selectively<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">critical illness rider and accidental death benefit add value. do not buy riders just because they exist. add only what the situation needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"eighth_avoid_common_mistakes\"><\/span><strong>eighth, avoid common mistakes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">do not hide medical information. non-disclosure gives the insurer grounds to deny the claim later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">do not choose the first plan seen. compare at least three policies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">do not buy a term plan with return of premium unless the behavioral benefit is worth the higher cost. the premium is significantly higher, and the return is not adjusted for inflation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ninth_check_the_free-look_period\"><\/span><strong>ninth, check the free-look period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">most policies offer a 15-30 day free-look period. if the terms do not match expectations, the policy can be returned.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong>frequently asked questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. which is the best term insurance plan in india?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">there is no one-size-fits-all answer. based on claim settlement consistency, financial strength, and policy features, axis max life and tata aia life are strong choices. hdfc life and icici prudential are also competitive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. how much term insurance cover is enough?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a minimum of 10-15 times annual income, plus outstanding debts. the formula is: (annual income \u00d7 15) + outstanding debts &#8211; current assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. what is the claim settlement ratio?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the percentage of death claims an insurer pays out. look for a four-year average above 99%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. what is the amount settlement ratio?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the percentage of the claimed amount that actually gets paid. a company can have a high claim settlement ratio but low amount settlement ratio. look for above 95%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. can nris buy term insurance in india?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">yes. premiums for nri insurance in india are often 40-50% cheaper than in countries like the usa or uae. plans like icici prudential iprotect smart and tata aia sampoorna raksha supreme offer video-medical facilities for nris.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>the choice of a term insurance plan is not about finding the cheapest premium. it is about finding an insurer that will actually pay the claim when the time comes. a \u20b91 crore policy from a company that rejects claims is worth less than a \u20b950 lakh policy from one that pays. this is the [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-to-choose-best-term-insurance-plan-in-india\/\">Read 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