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🌿 Life Insurance

Secure Your Family's Future,
With Term Life

Compare health insurance, term life, accident cover and fraud protection. Real plans from India's most trusted insurers. One call — we handle everything.

Calculate Cover Need
✓ Cashless at 10,000+ Hospitals
✓ Section 80D Tax Benefit
✓ No Medical for Age < 45 (select plans)
✓ Lifetime Renewability

Term Life Insurance

Term insurance is the purest and most affordable form of life insurance. It pays a lump-sum (Sum Assured) to your nominee if you pass away during the policy term. There is no maturity benefit  you pay only for the protection.

Why Term Insurance?
1 Crore cover for a 30-year-old costs ₹8,000–₹12,000/month. Term gives you maximum protection at minimum cost. The savings difference (₹7,000–₹11,000/month) can be invested separately for better returns.

Types of Life Insurance

🌿 Term Insurance (Pure Protection  Recommended)
Death benefit only. No maturity value. Lowest premium. Highest cover. Best for income replacement for dependents. Can add riders  Critical Illness, Accidental Death, Waiver of Premium.
x` ULIP (Unit Linked Insurance Plan)
Insurance + Investment combined. Premium split between protection and market-linked funds. 5-year lock-in. Tax-free maturity under 10(10D). Best when insurance and investment goals are aligned. Higher charges than pure MF + Term combo.
💰 Endowment Plan
Guaranteed maturity benefit + death benefit. Suitable for those who want insurance with guaranteed savings. Lower returns (46%) vs market instruments but capital safe.
x Whole Life Insurance
Coverage for entire life (up to 100 years). High premium but useful for estate planning or creating inheritance for children. Loan against policy also available.

Coverage & Exclusions


Death due to any cause (after waiting period)
Natural, accidental, illness  all causes covered after 45-day waiting period

Death due to accident  from Day 1
No waiting period for accidental death

Terminal Illness Benefit (most plans)
Sum assured paid upfront on diagnosis of terminal illness
R
Suicide within 1 year
Death by suicide in first 12 months  nominee gets 80% of premiums paid
R
Death due to illegal activities
Criminal acts, drug use, adventure sports without rider

Compare Top Term Plans

₹645/mo₹590/mo₹670/mo₹740/mo₹610/mo₹630/mo
InsurerCSR (2024)Min Premium*Max SI
No limit
No limit
No limit
No limit
10 Cr
No limit
*Indicative premium for 1 Cr cover, 30-year-old male, non-smoker, 30-year term. Actual may vary.

Key Riders Available

x
Critical Illness Rider
Lump-sum on diagnosis of 3455 specified illnesses (cancer, heart attack, kidney failure etc.)
x
Accidental Total Permanent Disability
Extra payout if disability from accident prevents earning
=️
Waiver of Premium
Future premiums waived on disability or critical illness. Policy continues.
=
Increasing Cover Rider
Sum assured increases by 510% annually to beat inflation without fresh medical tests
Calculate Cover Need

Payment Fraud Protection

Digital fraud in India has risen dramatically. UPI fraud, phishing, credit card cloning, OTP-based fraud  any of these can drain your bank account in seconds. Payment Fraud Protection covers your financial losses from digital payment fraud.

a️ Rising Threat
India's cyber financial fraud cases rose by 85% in 2023. Over 11.28 lakh cybercrime complaints registered (NCRB). Average loss per victim: 1.4 Lakh. Banks may not always refund  insurance is your safety net.

What's Covered


UPI & Mobile Wallet Fraud
Unauthorized UPI transactions, QR code fraud, fake payment requests

Debit & Credit Card Fraud
Card cloning, skimming, online transactions without OTP (CNP fraud)

Phishing & OTP Fraud
Fraud where you are deceived into sharing OTP or banking credentials

Net Banking Fraud
Unauthorized online banking transactions via malware or hacking

ATM Fraud
Unauthorized ATM withdrawals using cloned card within reporting period
R
Willful sharing of credentials
If you knowingly shared OTP/PIN with someone  not covered
R
Delayed reporting (beyond 48 hours)
You must report fraud to bank and insurer within 48 hours of discovery

Available Plans

Basic Plan~799/year
Cover: 1 Lakh | UPI + Card fraud
Standard Plan ⭐ Popular~1,499/year
Cover: 2 Lakh | UPI + Card + Net Banking + ATM
Premium Plan~2,999/year
Cover: 5 Lakh | All fraud types + social engineering

How to Claim

1
Call your bank's fraud helpline immediately to block/freeze your account
2
File an FIR at local police station or cybercrime portal (cybercrime.gov.in)
3
Inform CartiCare/insurer within 48 hours with transaction details and FIR copy
4
Submit bank statement showing fraudulent transactions
S
Claim settled within 715 working days after verification

Frequently Asked Questions

Yes, absolutely. You can and should buy health insurance even if you have pre-existing conditions like diabetes, hypertension, thyroid etc. The condition must be declared honestly at the time of purchase. It will be covered after a waiting period of 24 years (varies by insurer). Non-disclosure of pre-existing conditions is the most common reason for claim rejection  always declare honestly.
IRDAI and financial advisors recommend minimum 5 Lakh individual or 10 Lakh family floater as a starting point. Given medical inflation at 1518% annually, we recommend 1025 Lakh for metro cities. You can also opt for a 5L base plan + 50L Super Top-Up plan for comprehensive coverage at lower cost.
A Super Top-Up plan provides additional coverage above a threshold (deductible). For example, a 50L super top-up with 5L deductible pays for claims above 5L. This is very cost-effective  you keep your 5L base plan and add a 50L super top-up for much lower premium than buying 50L base cover directly.
A common rule is 1015 times your annual income + all outstanding liabilities (home loan, car loan etc.). If you earn 8L/year and have a 30L home loan, you need approximately 80L1.2 Cr + 30L = 1.11.5 Cr coverage. Use our Term Cover Calculator for a personalized recommendation.
Yes! Health insurance premiums qualify for deduction under Section 80D (up to 25,000 for self/family + 25,00050,000 for parents). Life insurance premiums qualify under Section 80C (up to 1.5L total). Term insurance maturity proceeds are tax-free under Section 10(10D) subject to conditions. Consult a tax advisor for your specific situation.

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