Introduction: Term Insurance Kyu Zaroori Hai?
Aaj ke fast-paced life me financial
planning sirf savings tak limited nahi reh gayi hai. Risk management bhi
equally important hai. Isi planning ka sabse basic aur powerful tool hai – Term
Insurance Plan.
Term Insurance ek simple aur
affordable insurance policy hoti hai jo insured ke death par uske nominee ko ek
fixed amount deti hai. Agar aap 2025 me apne family ke liye financial security
dhoondh rahe ho, to yeh article aapke liye hai.
Term
Insurance Kya Hota Hai? (What is Term Insurance?)
Term Insurance ek pure protection plan hota hai jo life cover provide karta hai ek specific time period ke liye. Isme maturity benefit nahi milta (agar aap survive karte ho to). Lekin iska premium bahut kam hota hai aur cover high milta hai.
Term
Plan Ke Features:
- High Sum Assured
- Low Premium
- Tax Benefits under Section 80C & 10(10D)
- Riders for Extra Cover (Critical Illness, Accidental
Death)
- Flexible Payment Terms
Top 10 Best Term Insurance Plans in India (2025)
1.
LIC Tech Term Plan
- Insurer:
LIC of India
- Type:
Pure Term (Online Only)
- Entry Age:
18-65 years
- Max Maturity Age:
80 years
- Claim Settlement Ratio (CSR): 98.52%
- Key Features:
- Trusted government-backed brand
- Level & increasing sum assured option
- Non-smoking discount
Best For: Jo LIC ke naam par bharosa rakhte hain
2.
HDFC Life Click 2 Protect Super
- Type:
Customizable term plan
- Entry Age:
18-65 years
- CSR:
99.39%
- Highlights:
- Return of Premium option
- Life & Health combo cover
- Accidental & Waiver of Premium riders
Best For: Personalized coverage chahne wale log
3. ICICI Pru iProtect Smart
- Type:
All-in-one protection plan
- Entry Age:
18-65 years
- CSR:
98.60%
- Features:
- Critical illness cover up to 34 diseases
- Terminal illness included
- Flexible payout options
Best For: Health + Life combo insurance
4.
Max Life Smart Secure Plus Plan
Cheapest Term Insurance India
- Entry Age:
18-65
- CSR:
99.51%
- USP:
- Income benefit option
- Premium break feature
- Return of premium benefit
Best For: Income replacement and family support planning
5.
Tata AIA Sampoorna Raksha Supreme
- CSR:
99.01%
- Coverage Till Age:
100 years (Whole Life Option)
- Riders:
Accidental Death, Terminal Illness, Waiver of Premium
Best For: Long term protection and high cover
6.
Bajaj Allianz Smart Protect Goal
- CSR:
98.48%
- Highlights:
- COVID-19 cover
- Child Education Extra Cover Option
- Return of Premium Available
Best For: Family-focused buyers
7.
SBI Life eShield Next
- CSR:
97.05%
- Key Features:
- Three plan options
- Cover up to 100 years
- Low premiums
Best For: Affordable term plan lovers
8.
PNB MetLife Mera Term Plan Plus
- CSR:
98.17%
- Features:
- Spouse joint life cover
- 99 critical illness cover
- Accidental death benefit
Best For: Couple insurance seekers
9.
Aditya Birla Sun Life DigiShield Plan
- CSR:
98.12%
- Features:
- Income payout option
- 10 different plan options
- Long coverage available
Best For: Flexibility lovers
10.
Kotak e-Term Plan
- CSR:
98.82%
- Benefits:
- Step-up and Step-down cover
- Joint life option
- Waiver of premium riders
Best For: Budget buyers with step-up needs
Best
Term Insurance Plans Comparison Table (2025)
Best Online Term Plan
|
Term
Insurance Lete Time Dhyan Me Rakhne Wali Baatein
- Claim Settlement Ratio (CSR): CSR jitna zyada ho, utna achha hai.
- Premium Affordability: Apne budget ke hisab se plan select karein.
- Coverage Amount:
Kam se kam 15-20x of your annual income ka cover lein.
- Policy Term:
Jab tak aapke family par financial dependency ho, tab tak ka term lein.
- Riders:
Critical Illness, Accidental Death jaise riders zaroor consider karein.
Riders
That Enhance Your Term Insurance
- Critical Illness Rider
- Accidental Death Benefit Rider
- Waiver of Premium
- Terminal Illness Benefit
- Income Benefit Rider
Term Insurance Tax Benefits (2025)
- Section 80C:
₹1.5 lakh tak premium pe deduction
- Section 10(10D):
Maturity or death claim tax-free
- 80D (If Health Rider Included): Extra ₹25,000 benefit
Best
Online Term Insurance Plans in India 2025
Agar aap fast aur easy application
chahte ho, to ye online term plans best rahenge:
- HDFC Click 2 Protect Super
- ICICI iProtect Smart
- Max Life Online Term Plan
- Tata AIA Raksha Supreme (Online Variant)
Online plans ka benefit:
- Kam premium
- Fast policy issuance
- Paperless KYC
- Instant premium calculator tools
Frequently
Asked Questions (FAQs)
Q1.
Term insurance kis age me lena chahiye?
Answer: 25-35 ke beech lena best hota hai, kyunki premium sabse low
hota hai.
Q2.
Term insurance me maturity benefit milta hai?
Answer: Nahi, lekin kuch plans me "Return of Premium"
option hota hai.
Q3.
Smokers ko term insurance milta hai kya?
Answer: Haan, milta hai. Lekin premium higher hota hai.
Q4.
Kitna Sum Assured lena chahiye?
Answer: Aapki annual income ka 15-20x tak ka cover lena ideal hota
hai.
Q5.
Kya term plan cancel ho sakta hai?
Answer: Agar aap premium nahi bharte ho to policy lapse ho sakti
hai.
Conclusion:
Apne Pariwar Ki Suraksha Aaj Hi Suru Karein
2025 me agar aap apne family ke liye
financial security plan kar rahe ho, to term insurance best option hai. Isme
kam paisa lagta hai, lekin coverage high milta hai.
Sahi term plan chunein, trusted
insurance company select karein, aur riders ke sath customize karein. Isse
aapka future bhi secure hoga aur family ka bhi.
Toh der kis baat ki? Aaj hi apne
liye best term plan choose karein aur ek strong financial foundation banayein!
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