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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 (4-6%) vs market instruments but capital safe.
🚀 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
⛔
Suicide within 1 year
Death by suicide in first 12 months - nominee gets 80% of premiums paid
⛔
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 34-55 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 5-10% 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.

🚨 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
⛔
Willful sharing of credentials
If you knowingly shared OTP/PIN with someone - not covered
⛔
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 7-15 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 2-4 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 15-18% annually, we recommend ₹10-25 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 10-15 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 ₹80L-₹1.2 Cr + ₹30L = ₹1.1-1.5 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 + ₹25,000-₹50,000 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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