HomeCompare & Get Quote
Side-by-Side Plan Comparison
Compare features, premiums, and benefits of top plans — then get your personalized quote instantly.
Feature
Recommended
HL
HDFC Life
Click 2 Protect Super
Monthly Premium
₹734
₹8,808/year
CSR
99.4%
4.7
Coverage
₹1 Crore
IP
ICICI Prudential
iProtect Smart
Monthly Premium
₹1,240
₹14,880/year
CSR
97.9%
4.6
Coverage
₹2 Crore
BA
Bajaj Allianz
eTouch Online Term
Monthly Premium
₹810
₹9,720/year
CSR
98%
4.4
Coverage
₹1 Crore
Policy Term
Up to 85 years
Up to 85 years
Up to 75 years
Entry Age
18 – 65 years
18 – 65 years
18 – 60 years
Sum Assured
₹25L – ₹10 Crore
₹50L – ₹20 Crore
₹25L – ₹5 Crore
Premium Payment
Regular / Limited / Single
Regular / Limited
Regular only
Death Benefit
100% Sum Assured
100% Sum Assured
100% Sum Assured
Terminal Illness Cover
✓ Included
✓ Included
✓ Included
Maturity Benefit
None (Pure Term)
None (Pure Term)
None (Pure Term)
Return of Premium
✓ Available
✗ Not available
✗ Not available
Critical Illness Rider
✓ Available
✓ Available
✓ Optional
Accidental Death Rider
✓ Available
✓ Available
✓ Available
Waiver of Premium
✓ On disability
✓ On disability
✗ Not available
Tax Benefit
80C + 10(10D)
80C + 10(10D)
80C + 10(10D)
Online Discount
15%
10%
12%
Freelook Period
30 days
30 days
15 days
Grace Period
30 days
30 days
30 days
Ready to Buy?
Premium Comparison
Monthly vs Annual premium across selected plans
Claim Settlement Ratio
Higher CSR = more reliable claim payments
* CSR data sourced from IRDAI Annual Report 2024–25
Our Recommendation
Click 2 Protect Super by HDFC Life
4.7/5
₹1 Crore
Coverage
₹734
Monthly Premium
99.4%
Claim Settlement
Verified
IRDAI Regulated
No hidden chargesIRDAI regulatedInstant policy issuanceFree claim support