1 active plan across Term Life. Below: per-plan table with claim settlement ratio, cover, premium range, and network hospitals.
Sorted by claim settlement ratio (CSR) — the percentage of claims the insurer actually paid. CSR above 95% is reliable. Premium ranges are indicative; your quote depends on age, sum insured, and add-ons.
| Plan | CSR |
|---|---|
| SBI Life eShield Insta Best for: Buyers wanting a quick, no-medical-test term policy for a fixed 10-year need — not the right pick for maximum cover or a flexible policy term. | — |
Editorial
Insurance · 20 Jun 2026
Senior health cover is most-needed and most-confusing — and now 18% cheaper after the Sep 2025 GST exemption. Best plans, real premiums, and how to pick by parent's age and city.
Insurance · 19 Jun 2026
Zero-dep adds 15–25% to premium and almost every insurer upsells it. For a new car in city traffic it pays for itself; for an older one it is poor value. The honest 2026 math.
Insurance · 18 Jun 2026
"Tax-free maturity" is no longer automatic. The Section 10(10D) + 194DA rules in 2026 — premium-to-SA test, ULIP ₹2.5L rule, traditional plan ₹5L rule, with worked examples.
Insurance · 17 Jun 2026
Your insurance premium is 18% lower since 22 September 2025 — the GST Council exempted individual health and life. The full 2026 picture, what changed, and what still attracts GST.
Insurance · 16 Jun 2026
The restoration benefit reinstates your health cover after a claim uses it up — so a second hospitalisation in the same year is still covered. Here's how to read the fine print.
Insurance · 16 Jun 2026
IRDAI's 2024 reforms cut the health insurance moratorium from 8 years to 5. After 60 months of continuous cover, an insurer can no longer contest your claim on non-disclosure grounds — except in proven fraud.
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Insurance products in India (life, health, motor, term) are issued by insurers licensed by IRDAI. Policy issuance, premiums, sum assured, exclusions, waiting periods, and claim settlement are governed by the policy document and IRDAI regulations. Premiums shown are indicative; final premium depends on age, sum assured, riders, medical history, and underwriting.
Risk note: Read the policy wording, exclusions, and claim-settlement ratio carefully before purchase. We are NOT an IRDAI-registered insurance broker; for advice consult an IRDAI-licensed agent or broker.
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