HealthStar Health
Health First Family Floater
₹5–25 LakhNo room cap
From ₹14,880/yravailable
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Term Lifeavailable
HDFC Life
Term Shield Plus
From ₹489/mo
IRDAI-approved wording · claim assistance included; premium for 30-year-old male, non-smoker, ₹1 Cr till age 75
| Insurer | HDFC Life |
|---|---|
| Cover | ₹50 lakh – ₹5 Cr |
| Entry age | 18 – 65 years |
| Tenure | To age 75 / 85 |
| Premium | From ₹489/mo (30M, ₹1Cr) |
| Claim settlement | 99.43% (FY24) |
| Underwriting | Tele + home sample |
| Riders | Critical illness, WOP, Acc. death |
| Availability | Available |
Term Shield Plus is our top recommendation for young families who need high cover without paying for investment padding. It is pure protection — if something happens to you, your family gets the sum assured straight into their account, tax-free under 80C/10(10D).
We add two riders for most clients: critical-illness (pays on diagnosis, not just death) and waiver-of-premium (future premiums waived if you're unable to work). Both keep premium under ₹750 for a 30-year-old at ₹1 crore.
Who should pick this: salaried with home loan, parents with children under 12, business owners with partner liability. Claim desk stays till NEFT — we handle hospital, police and insurer forms.
IRDAI disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale. IRDAI Licence No.: BROK/INS/2020/184 — Kavach Insurance Brokers Pvt. Ltd. Premiums shown are indicative starting from and subject to underwriting.
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