Best Term Insurance Plan in India 2025 – A Complete Guide
Looking for the best term insurance plan in India 2025? With so many options, it’s easy to get confused. This detailed article will help you compare plans, benefits, premiums, and key features to choose the most suitable one for your needs. Also explore:
What is Term Insurance?
Term insurance provides financial protection for your family in case of your unfortunate death during the policy period. It offers high sum assured at an affordable premium.
Top 7 Best Term Insurance Plans in India 2025
- LIC Tech Term – High trust, online exclusive
- HDFC Click 2 Protect Life – Flexible options, riders
- Max Life Smart Secure Plus – High CSR, return of premium
- ICICI Pru iProtect Smart – Digital application, wellness benefits
- TATA AIA Sampoorna Raksha Supreme – Coverage till 100 years
- SBI Life eShield Next – Affordable government-backed option
- Aditya Birla DigiShield Plan – Customizable cover
Term Insurance Comparison Table (2025)
| Insurer | Plan | Claim Ratio | Max Age | Premium (₹/month) |
|---|---|---|---|---|
| LIC | Tech Term | 98.52% | 80 | ₹300 |
| HDFC Life | Click 2 Protect | 99.39% | 85 | ₹350 |
| Max Life | Smart Secure Plus | 99.51% | 85 | ₹400 |
| ICICI Pru | iProtect Smart | 98.60% | 99 | ₹450 |
| TATA AIA | Sampoorna Raksha | 99.01% | 100 | ₹350 |
| SBI Life | eShield Next | 97.05% | 85 | ₹320 |
| ABSLI | DigiShield | 98.12% | 85 | ₹330 |
FAQs – Best Term Insurance Plan in India 2025
- Which term insurance is best in 2025?
Max Life and HDFC Life offer excellent features and high CSR. - Is online term insurance safe?
Yes, buying online is safe and often cheaper with instant policy issue. - Is term insurance tax-free?
Yes, under Section 80C and 10(10D) of the Income Tax Act. - Can I get my premium back?
Only with Return of Premium (ROP) plans like Max Life Smart Secure Plus.
Conclusion
Now that you know the best term insurance plans in India 2025, choose one that offers comprehensive protection, good CSR, and rider flexibility. Also consider pairing it with other financial tools: