The whole point of term insurance is that the claim gets paid. These insurers have the strongest claim-settlement track records in India.
Our top pick for this is HDFC Life Click 2 Protect Super — Among the cheapest term plans in India paired with a top-tier claim-settlement record — the best all-round value for most healthy buyers wanting straightforward, reliable cover.
| # | Name | Score | Cover up to | Claim Ratio* | Premium*/mo (₹1Cr) | Standout |
|---|---|---|---|---|---|---|
| 1 | HDFC Life Click 2 Protect SuperTop pick | 9.2/10 | Up to ₹20Cr | ~99.5% | ~₹500 | Cheapest + top CSR |
| 2 | Axis Max Life Smart Secure Plus | 9.1/10 | Up to ₹20Cr | ~99.5% | ~₹520 | Highest CSR + riders |
| 4 | Tata AIA Sampoorna Raksha Supreme | 8.7/10 | Up to ₹10Cr+ | ~99.4% | ~₹540 | Whole-life option |
| 6 | PNB MetLife Mera Term Plan Plus | 8.2/10 | Up to ₹10Cr | ~99.5% | ~₹560 | Very high CSR |
Best overall
Among the cheapest term plans in India paired with a top-tier claim-settlement record — the best all-round value for most healthy buyers wanting straightforward, reliable cover.
Consistently posts one of the highest claim-settlement ratios in India, with a rich set of riders and flexible payout options — a top pick where claim certainty matters most.
A flexible plan with a whole-life cover option (up to age 100) and strong riders, backed by a high claim-settlement record — good for long-horizon protection.
Posts one of the highest claim-settlement ratios and offers flexible cover and payout options — a strong, slightly under-the-radar pick.
Premiums indicative for a healthy ~30-year-old non-smoker (₹1Cr, 30-year term); claim ratios indicative. Get a personalised quote before buying. Information only, not insurance advice.