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DHFL Pramerica Life Insurance Company Ltd. (DPLI) is a popular joint venture between Dewan Housing Finance Corporation Ltd. (DHFL which is one of the housing finance companies and Prudential International Insurance Holdings, Ltd. (PIIH), a financial services leader headquartered in the U.S. DPLI is a great example of a combination of two financial services companies with a legacy of business excellence. The life insurance joint venture agreement between the two partners was signed in July 2013.
Life insurance is there to provides safety for life. It ensures that you are well prepared to fight against different stages of your life. A life insurance plan is always there to provide the required coverage .
Claim Settlement Ratio
Claim-settlement ratio of 90.87% for year 2016-2017
Grievances Resolved
99.93% Grievances Settled for year 2016-2017
Term insurance plan is a form of life cover, it provides coverage for a defined period of time, and if the insured expires during the term of the policy then death benefit is payable to the nominee.
DHFL Pramerica Family First
It is a protection plan that supports your family and its future. Whether you are with them or not, this protection plan will cater to each of the need. It is a monthly benefit term insurance plan designed to protect your family during the financial gaps in their lives.
DHFL Pramerica Family Income plan
It is a non-participating decreasing term plan that helps take care of your family’s financial requirements in your absence in the form of monthly payouts.
DHFL Pramerica TruShield
It is a plan which is designed especially to take care of your family's financial needs in case you are no longer around to take care of them. This is a plan that provides pure life insurance cover along with the return of premium on maturity for the benefit of your loved ones.
DHFL Pramerica U-Protect
It is a term insurance plan. It is specially designed for you so that you can ensure that your family is secure and leads a comfortable life, even when you are not around.
Child life insurance is a form of permanent life insurance that insures the life of a minor. It is usually purchased to protect a family against the sudden and unexpected costs of a child funeral or burial and to secure inexpensive and guaranteed insurance for the lifetime of the child.
DHFL Pramerica Future Idols Gold+
It is a participating endowment plan that takes care of your child’s future even in your absence. The product has been designed to protect your child’s education needs right from school to higher studies.
DHFL Pramerica Rakshak Gold
It is a non participating guaranteed endowment insurance plan that has been designed to ensure that your family's financial future remains secure.
DHFL Pramerica Rakshak+
It is a non-participating endowment insurance plan that shelters your child's future. It has been designed to ensure that your child's financial future remains secure.
DHFL Pramerica Smart Fee Protect
DHFL Pramerica Smart Fee Protect is a Non-Participating Endowment Insurance Plan that has been designed to secure uninterrupted education for your child.
Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.
DHFL Pramerica Dengue Shield
It is a traditional fixed benefit individual health Insurance plan which has been designed to secure you against the financial impact of dengue during illness and recovery process.
DHFL Pramerica Life Cancer+Heart Shield
A plan with myriad options, it provides extensive coverage against a number of critical diseases. Insuring you against Cancer, Heart (Cardiovascular) related conditions/procedures and 26 other illnesses, so that your pace never slows even when life itself gets in your way.
Savings plan offer multiple avenues to save and to grow your money. These online investment plans help in systematic and disciplined investment ensuring that you and your family achieve your financial goals.
DHFL Pramerica Flexi Cash
It is a participating non-linked endowment plan which gives you the flexibility to control your policy. With this plan, you can access your savings corpus at any time of your need within the flexi benefit period, get steady income in the form of guaranteed loyalty benefit and financial protection for your family in case of any uncertainty.
DHFL Pramerica Magnum Assure
It is a Non-Participating Endowment Insurance Plan which gives you double benefits to take care of your future financial needs and guarantees a secure future for you and your family.
DHFL Pramerica Premier Gain
It is a Participating Non-Linked Endowment Insurance Plan that helps you enjoy returns along with the certainty of financial security for your family.
DHFL Pramerica Roz Sanchay
It is a Limited Pay Non-Participating Guaranteed Endowment Plan. It is a saving cum protection plan that offers guaranteed benefits so that you know at the start of the policy what will be the maturity benefits.
DHFL Pramerica Sahaj Suraksha
It is a long-term participating saving cum protection plan. The plan provides a corpus to help take care of expenses at the critical age of 75 years when you need an additional boost to your savings.
DHFL Pramerica Smart Assure
It is a Non-participating Endowment Insurance plan that delivers exactly what it promises. The plan has Guaranteed Maturity and Death Benefit so that at the very beginning you know exactly what you will get.
DHFL Pramerica Smart Cash Protect
It is a participating endowment cum insurance plan. It is an all-in-one plan that has been designed to take care of your regular as well as long-term expenses. This plan provides a regular stream of income in the form of annual cash benefits in addition to lump-sum payouts.
DHFL Pramerica Smart Income plan
One more non-participating guaranteed annual income plan that lets you customize it to suit your future financial needs.
DHFL Pramerica Smart Money Back
It is basically a participating endowment plan that helps you achieve your planned milestones by providing periodic payouts and thus helping you build a corpus for your long-term financial needs with ease.
DHFL Pramerica Smart Wealth+
It is a non-participating unit linked insurance plan that facilitates wealth creation for your planned milestones in life.
DHFL Pramerica Wealth+ Ace
It is a single premium unit linked insurance plan, assists you in achieving your planned milestones by creating investment opportunities, thereby facilitating a financially secure and protected future for your loved ones.
DHFL Pramerica e-Save
It is an online non-participating endowment insurance plan that delivers guaranteed maturity and death benefit so that you know exactly what you will get at the time of policy purchase.
DHFL Pramerica Aajeevan Samriddhi
It is a whole life participating insurance cum savings plan. It provides financial protection until your 99th year of age along with a corpus at age 65 so that you can provision for your post-retirement expenses.
Life Insurance is still a doubted case for many people as they do not understand the importance of life insurance and several helpful benefits that they will get under a life insurance plan. Starting from providing financial assistance to the insured family till different saving option, life insurance serves all. You don’t know what will happen in the future and what circumstance you have to face in the future, so it is better to be ready for the same with the effective life insurance plan. People always think that’s life insurance is only a protection policy, but you are aware of several different investment options. A life insurance plan is a perfect wealth accumulation policy and offers access to liquidity at the appropriate time if you add it to your financial portfolio.
Most of the people usually get confused that how much should they invest in life insurance and different investment options such as bonds, stock, real estate and many other options as well. Life insurance plan refers to be good investment options. It is comparatively affordable, simpler and easy to use. It caters to different needs of a person.
It is totally up to you that which plan you want to buy. You can go for a pure protection plan. It is advisable that you should go for a life insurance plan at an early age, it will help you in saving a lot of money. You can go for the unit-linked insurance plan that offers the benefits of investment and insurance also. You can also secure your child future needs with an effective life insurance policy. It will be there to help you in a hard time as well.
Fixed saving
We all know that a life insurance plan is a protection tool, but apart from that life insurance plan also helps a customer in making savings as well. It will help you in creating a good corpus. It will offer great returns to you.
Deal with multiple needs
The main objective of a life insurance plan is to secure the financial requirement of the insured family in case of his/her demise or permanent disability. A life insurance will serve different needs of a life insurance plan depends upon the different stages of life such as the expectation of liabilities, number of dependants, lifestyle and financial goal as well. If you know your needs then it would be easier for you choose the right insurance plan, whether it is child’s future needs, daughter's marriage, and post-retirement expenses as well.
Additional benefits
It helps you in getting different tax benefits that can make it a more attractive option.
How much you require?
While there are different options available online, there are a few thumb rules as well that will help you in getting the desired plan. The most common and helpful way of calculating a life insurance plan is a to calculate the same at about 20-times of your current annual income.
On searching online, you may get several products that will cater to investment and wealth creating needs of an insured. It offers secure and disciplined savings needs that will offer great insurance options. You must first understand your needs and then search for the best solutions accordingly. DHFL Pramerica Life Insurance Company is the best options to deal with all form of life insurance needs.
All those insured people who want to check their policy status can do the same easily online and offline as well.
If you wish to check the same from the comfort of your home then you can do the same by easily logging into your account on the DHFL Pramerica website.
Insured have to select the ‘Customer’ tab which will be present at the top right of the screen and log in to their account. From there, they can easily check the current status of the policy.
Those who want to check the same offline can easily visit at the nearest branch and can ask the concerned person
Moreover, you can on the toll-free number and ask the expert about it,
All those people who have opted for limited pay or regular premium payments have to make the payment in a set tenure. To avoid the chances of penalties because of late and last minute payments, the company has set some provisions. All insured people can easily make the payment by visiting the official site of the company. The payment method is secure and convenient as well.
Policyholders who wish to make their premium payments online can follow the steps mentioned below:
Visit the official site and click on the ‘Pay Online’ tab of the screen.
Select an option from the given choices that are ‘First Premium’ or ‘Pay Renewal Premium’ as applicable.
Provide the policy number, DOB and captcha text.
The premium amount will appear on the screen.
Choose the payment method
Make the payment and save the receipt for future.
The claim is something for which you have invested so far. It is the fruit of your saving that you will get later. It is the most important stage of life and for some people, it is complicated as well. You will be always looking for an easier claim filing process that will offer claim amount asap.It is advisable for you to understand that when you purchase a life insurance plan, you must look for its inclusion and exclusions to get best results. This will help you in clearing confusion as well. DHFL Pramerica Life Insurance Company offers a simple claim filing process and will be there to help you where you need it.
When you are planning to file a claim you must ensure that you have the right documents alongside to avoid any misunderstanding. The claim filing process of DHFL Pramerica Life Insurance Company is very easy and the company carries a good claim ratio so you can trust it for your financial needs.
The death certificate (In case of death)
Original policy documents
ID proof of the beneficiary
Age proof of insured
Discharge form (executed and witnessed)
Medical certificate (as proof for cause of death)
Police FIR (in case of unnatural death)
1. How can I track the status of my DHFL Pramerica claim?
The company allows you to track the status of your claim between Monday to Friday(9:00 am to 6:00 pm. You can call on the toll-free number to get it. You can also get the same by sharing a mail to claims@dhflpramerica.com to know the current status of the claim.
2. I have misplaced the policy bond. What should I do?
In the case where you misplaced the document, then it is necessary to provide an indemnity bond (available from company branches) on Rs.100 non-judicial stamp paper.
3. Can I change the nominee on my policy?
Yes, the company allows the insured person to change the nominee anytime till the maturity date. You will have to inform the company of the change in writing.
4. Can someone file a claim online?
You have to log in the company’s claim page. Here, you have to provide some basic details and the required documents will need to be uploaded
Linking Of Aadhaar With Insurance Policy Is Mandatory, Says IRDA
November 13, 2017
On Wednesday, 8th Nov 2017, the Insurance Regulatory And Development Authority Of India (IRDA) said that the linking of Aadhar number with insurance plans is compulsory and asked insurance companies to implement the statutory norms.
“The Authority clarifies that, linkage of Aadhaar number to insurance policies is mandatory under the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017,” the IRDA said.
In the last June, the government of India had informed about the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017, making Aaadhar and PAN/Form 60 compulsory for getting financial services that include insurance also and asked policyholders and companies for linking the existing policies with the same.
In a discussion with all life and general insurance companies, IRDA said the rules have “statutory force” and they have to implement the rule without waiting for the further instructions.
Right now, there are 24 life insurers and 33 general insurance companies operating in the country.
Although, there are no deadlines that have been given by IRDA for the completion of the process, as per the circular, it has to be done as soon as possible. Some insurance companies also said that this can also result in the delay of payout in a few cases. Aadhaar is now also compulsory for financial transactions of Rs 50,000 and above. Likewise, one has to link one’s Aadhaar number with the mobile number latest by February 6, 2018.
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