Insurance Companies in Jharkhand

Insurance Companies in Jharkhand| List of Insurance Companies –

List of Life Insurance Companies in Jharkhand

Here we are going to provide the information about some of the good Life insurance companies in Jharkhand and their policy with the details.

The first one on the list is the Digishield plan which is provided by Aditya Birla capital. This plan is available at a monthly premium of Rs 823. Yearly you need to pay Rs9139 and with this, you can also save Rs 22,110 in the policy. Total payout which is the sum assured will be Rs 1 Cr in this policy and policy term would be 30 years long. And the chosen payout will be paid to the nominee in case of the death of the sum assured.

Future General Total Insurance Solution is second on this list. The policy name is Flexi Online term. This term policy at a monthly premium of Rs 679. There are two add on to this plan. One is Accidental death protection. This is available at a premium of Rs 49. Minimum sum assured in this is Rs 50K and the maximum is Rs 1 Cr. Another one is Accidental Death and Accidental Total Disability. The premium in this is Rs 89. And term policy for both is 30 years.

Let’s move to the ICICI Prudential Life insurance life insurance plan named iprotect Smart. The plan is available at a monthly premium of Rs 832. There are 4 different options under this plan. First one is the Lump sum payout. In this in case of the unfortunate death of the life insurer, the payout will be paid as the Lump sum to the nominee. The second one is the regular income in which the payout will be paid in the form of the monthly income for 10 years. The third is increasing income in which increasing monthly installments will be paid for 10 years and the increase rate is 10%. And last is Lump sum + Regular Income in which 95% paid as the Lump sum and 5% as regular income.

PNB Met Life is coming with its plan named Mera Term plan. For the enrolment of this policy monthly premium would be of Rs 776. There are several add-ons to this plan. One is the heart and cancer care. For which the premium is Rs 343. Minimum sum assured would be Rs 10 Lac and maximum would be Rs 80 Lac. You can choose the pay term. Minimum would be of 10 years.

Let’s end with the eTouch Online term plan of Bajaj Allianz. Rs 933 would be the monthly premium for this plan and yearly need to pay Rs 10,372. By enrolling for yearly payment one can save up to Rs 24,720 on the policy. On the unfortunate death of the Life insurer, the sum assured will be paid out as the Lump sum to the nominee and the policy will terminate. With a minimum policy term of 40 yrs, the plan offers the protection up to 75 yrs. This is one of the best online life insurance options available.

Following is the table that contains the details about the eligibility criteria of the above-mentioned policies.

Sr. NoCompany’s NameCompany’s PolicyEntry AgeMaturity AgePolicy TermMinimum Sum AssuresMaximum Sum AssuredSurvival PeriodPremium Payment Frequency
1Aditya Birla capitalDigishield planMinimum: 18 years   Maximum: 65 yrs 80 yrsMin : 5 yrs   Max : 40 yrs 30 Lacs–     Annual, Monthly, Semi- Annual, Quarterly
2Future General Total Insurance SolutionFlexi Online TermMinimum: 18 years     Maximum: 55 years   65 years (Smoker)     75 years (Non- Smoker)   Min : 10 yrs   Max : Smoker (75 – entry age) Non Smoker (65 – Entry age) 50 LacsAnnual    
3ICICI Prudentail Life insurance     iProtect SmartMinimum: 18 yrs   Maximum : 60 yrs Max : 75  yrs Min : 5 yrs   Max : 40 yrs (For critical illness 30 yrs)   Yearly, Monthly, half yearly, single
4PNB MetLifeMera Term plan (UIN : 117N100V01)Min – 18 Years and Max  –   65 yrs 75 yrs10/15/20Rs 10 LacRs 80 LacAnnual, Monthly
5Bajaj AllianzeTouch Online TermMin – 18 Years and Max – 65 yearsMax : 75 yrs10 – 4050 lacsAnnual, Monthly, Half Yearly, Quarterly

List of Health Insurance Companies in Jharkhand

Here we are going to provide the information about some of the good Health insurance companies in Jharkhand and their policy with the details.

Let’s start with the TATA AIG health care program named Mediprime. This plan is available at a premium of Rs 1133 monthly and the sum assured is Rs 5 Lacs. The plan covers the expenses up to of Rs 25k for the alternative medicine for Ayurved, Unani or alternate medication methods. 1985 hospitals come under this plan that offers the cashless hospitalization and the expenses of 30 days before and 60 days after the hospitalization will be covered.

Second in this list is a Healthcare plan that is available at the monthly premium of Rs 1172 and provided by Kotak General Insurance. The plan name is Kotak health care premium (Including optional pack 1). 4000 hospitals that provide cashless hospitalization will be covered in this plan. Also for maternity, the coverage is optional.

The third one in the list is the Family Medicare 2014 health care plan provided by United India Insurance. The monthly premium would be Rs 1138 and the sum assured is Rs 6 Lacs. Hospital rooms up to worth 6K/month are eligible in this policy. Maternity coverage will not be taken under this plan. 3700+ hospitals covered in this policy that provide the cashless hospitalization.

Apollo Munich has its Healthcare plan named Optima Restore. The plan is available at a monthly premium of Rs 1123 with a sum assured of Rs 5 Lacs. Medical expenses that occur after 180 days of the hospitalization and 60 days before the hospitalization would be covered in this plan. The plan offers 4105 listed hospitals that provide cashless hospitalization and all the daycare treatments that take less than 24 hours to recover will be covered under this plan.

Let’s close the list with the Health Companion plan provided by the Max health insurance. The plan covers the sum assured of Rs 5 lacs with a monthly premium of Rs 990. The plan covers the hospitalization at home for the expenses up to sum assured. Medical expenses before 30 days of the hospitalization and after 60 days of hospitalization would be covered in this plan.

Following is the table that contains the details about the eligibility criteria of the above-mentioned policies.

Sr. No.Company’s NameCompany’s PlanSum InsuredKey FeaturesPremium
1.TATA AIGMediprimeRs 5 LacsMaternity   Not covered   Hospital Room Eligibility All categories   Bonus on No Claim Rs 50K SI added (reduced on claim)/year   Restoration of Cover Not available   Rs 1133 Monthly
2.Kotak General insuranceKotak health care premium ( Including optional pack 1)Rs 5 lacsMaternity   Optional cover for maternity benefit   Hospital Room Eligibility All categories   Bonus on No Claim Rs. 50 K SI added (reduced on claim)/year   Restoration of Cover Not available Rs 1172 Monthly
3.United india InsuranceFamily Medicare 2014Rs 6 lacsMaternity   Not covered   Hospital Room Eligibility Up to Rs 6K/day   Bonus on No Claim Not available   Restoration of Cover Not available Rs 1138 Monthly
4.Apollo MunichOptima RestoreRs 5 LacsMaternity   Not covered   Hospital Room Eligibility All categories   Bonus on No Claim Rs 2.5 Lacs SI added (reduced on claim)/year   Restoration of Cover Up to Rs 5 Lacs once a year Rs 1123 Monthly
5.Max Health insuranceHealth CompanionRs 5 LacsMaternity   Not covered   Hospital Room Eligibility All categories(except suite and above); upto SI   Bonus on No Claim Rs 1 Lac incremental cover/year   Restoration of Cover Up to Rs 5 Lacs once a year Rs 990  Monthly

For more detail about any of the above-written policy please visit the company site. This is the approximated data.

Also Read : Insurance Companies in India