Sahara India Life Insurance
- Life cover till 99 years
- Flexible premium payment modes
- 24*7 customer assistance
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Updated on Jul 15, 2025 4 min read
Sahara India ventured into the life insurance domain in 2004 and became the first wholly-owned Indian brand to be operating in this sector without any foreign collaboration. To meet the life insurance requirements of every individual, Sahara Life Insurance offers a wide range of Endowment plans, Money-Back plans, Annuity-based plans, Unit-Link plans, and Group Insurance plans. These plans can help meet the financial needs of different age groups and people belonging to different income segments. Apart from the above segment, Sahara India offers add-on plans such as Accident Benefit and Critical Illness Riders.
Sahara India Life Insurance ensures to look after your insurance needs by offering:
Claim Settlement Ratio
Solvency Ratio
Annual Premium
Operating Network
To get more insight into Sahara India Life Insurance Company's performance, take a look at the below key highlights that will help you to analyze the company based on its performance:
Sahara India Life Insurance has a Solvency Ratio of 8.8 as per the IRDAI annual report 2023-24. The solvency ratio helps the prospective policyholder assess the ability of a company to meet its financial obligations. As of now, IRDAI mandates maintaining a solvency ratio of 1.50 for every insurer.
There are various features to the Sahara India Life Insurance Life Insurance Plans. Let's understand each of them in detail:
There are multiple benefits of Sahara Life Insurance Plans. Read below to understand the plethora of advantages provided by the insurer.
upon the unfortunate demise of the life insured during the policy term, Sahara India Life Insurance pays the death benefit upon the highest of the following: 1. 10 times of annual premium, Guaranteed death benefit, 105% of total premium paid.
Once the life insured survives the whole policy tenure, Sahara India Life Insurance pays the guaranteed maturity benefit to the nominee.
All the premiums paid for Sahara India Life Insurance are subject to tax exemptions under The Income Tax Act.
Sahara Life Insurance Plans company is among the most trusted insurance companies in India. This ensures clients peace of mind and provides them with confidence regarding maximum security for your funds.
| Name of the Rider | Benefits |
| Sahara Life Accidental Death Benefit Rider | This rider provides coverage against the policyholder's death due to the accident. |
Here is the list of documents required to buy Sahara India Life Insurance Plans:
Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.
Sahara India Life Insurance allows you to buy life insurance plans via two platforms. You can either buy the plan online from the official website of the company or through third-party intermediaries like agents, brokers, etc. Given below is a detailed explanation of both these types of buying processes.
Fill out the form given at the top of this page with the necessary details.
Select your income and city. Click on 'Proceed'.
Update your education and occupation details.
Choose your preferred plan and click on 'Buy this plan'.
Select the policy term, premium period, and riders (if required), and then proceed to make the payment. Once the payment is made, you will get a payment confirmation at your registered email address.
Visit the Sahara India Life Insurance Company's official website and scroll down to the end of the page.
Click on the 'Buy Online' tab under Popular Links.
Click on the tab 'Know More'.
Click on the tab 'Calculate' at the top right corner of the page.
Fill in the required details, and click on the tab 'Calculate'. Once the payment is made, you will get a payment confirmation at your registered email address.
Every claimant/nominee is assigned a dedicated Claims Relationship Officer who helps through the entire process. The life insurance claim Settlement process at Sahara Life insurance involves the following three steps:
Inform the company about the incident via various channels-either by writing an email to Sahara Life at claims@Saharalife.com, calling the toll-free number (1800-103-7766), filling out the online claim form on its website, or visiting the nearest branch. A claim reference number/intimation number will be provided to you upon successful registration of the claim.
You have to submit the necessary documents requested by the insurer to process the claim.
In case of natural death: death claim form, death certificate, original policy documents, claimant's identity & residence proof, medical records, and account details of the nominee.
In case of an accidental death: The same documents with two additional ones: FIR and post-mortem report.
After receiving all the documents and claim forms, the insurer will verify the details as per their norms. If they require any additional details they will contact you via call or email. On successful completion, the claim will be settled and the amount will be transferred to the nominee's bank account and the same will be communicated to him/her over a call or an email.
Sahara Life insurance claim settlement procedure can be reported by visiting the local Sahara Life Branch Office. For the details of Sahara Life Insurance branches, you can visit their website and locate the nearest branch. You have to submit the essential documents at the branch so that your claim can be processed.
If you have any more queries regarding Sahara India Life Insurance Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!
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Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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