Aviva Term vs Go Digit Term Insurance

  • Multiple policy tenure to choose from
  • Premiums starting @Rs 15/day
  • 30-day grace period
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Aviva Term vs Go Digit Term Insurance

COMPANY DETAILS Edit Aviva Life Term Insurance

Aviva Term

 Edit Go Digit Term Insurance

Go Digit Term Insurance
Rating
Number of term insurance plans and add-ons
Annual Premiums Collected (2024-25)

Annual Premiums Collected (2024-25)

1306.77 crore

Annual Premiums Collected (2024-25)

Rs 1069.41 crores
Payout Options

Payout Options

Lump sum, monthly or a combination of both

Payout Options

Accidental death, permanent disability, terminal illness, critical illness riders
Claim ratio

Payout Options

99%%

Payout Options

99.53%%
Solvency Ratio

Solvency Ratio

1.93

Solvency Ratio

3.85
Pan India Presence

Pan India Presence

122+

Pan India Presence

75
Riders Available

Riders Available

Accidental Death Benefit Rider, Critical Illness Rider, Waiver of Premium Rider, Cancer Cardio

Riders Available

Disability Cover, Critical Illness Cover, Accidental Death Cover
Policy Term

Policy Term

5 to 62 years (depen

Policy Term

1 to 55 years
Inception year

Inception year

2002

Inception year

2016
Complaint ratio per ₹1 crore of premium collected

Complaint ratio per ₹1 crore of premium collected

0.088

Complaint ratio per ₹1 crore of premium collected

Not available
Average claim settlement time

Average claim settlement time

5 working days

Average claim settlement time

15 to 30 days
IRDAI registration number

IRDAI registration number

122

IRDAI registration number

158
Awards and recognitions

Awards and recognitions

India's Trusted Private Life Insurance Brand, 2025; Long Service Awards; Movers and Shakers & CEO Award

Awards and recognitions

Digital Insurer of the Year (AIIA 2025), General Insurance Company of the Year (AIIA 2024), Best Fintech Insurance Company (Financial Express 2025)
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Term Insurance Plans of Aviva Life Insurance

Term Insurance Plans of Aviva Life Insurance

Overview

Aviva Term Insurance

Aviva India is a joint venture between Aviva Plc and Dabur Invest Corp. It serves over 34 million customers globally and offers term insurance plans with affordable premiums. Aviva plc, founded in 1696, is among the world's oldest insurance companies in continuous existence and was one of the first to set up business in India in 1834.

Aviva term plans can be easily purchased from their website, a branch office, or an aggregator.

What are the key features of this plan?

  • Accidental death benefit cover
  • Critical illness cover
  • Waiver of premium cover
  • Choice of policy tenure
  • Affordable Premiums
  • Tax benefits

Riders

Riders You Can Avail With Aviva Term Insurance Plans

You can avail the following riders with your Aviva term insurance plans.

Name of the Riders Benefits
Aviva Accidental Death Benefit Rider The Aviva Accidental Death Benefit Rider offers an additional sum assured to the policyholder's nominee in case of death due to an accident during the rider term.
Aviva Critical Illness Rider With the Critical Illness Rider, the sum assured is paid to the policyholder in advance if diagnosed with any of the listed critical illnesses such as cancer, kidney failure, or heart disease.
Aviva Waiver of Premium Rider With the Waiver of Premium Rider, future premiums are waived off in case of the policyholder's permanent disability. The insurance company will wait for 6 months to confirm the disability; if the customer is still unable to work, the rider will be triggered.
Aviva Disability Income Riders The Disability Income Rider provides a regular income to the policyholder if they become disabled and are unable to work. This rider helps meet present expenses in case of disability.

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Trouble connecting with an insurance company?

Contact PolicyX.comCall at our toll-free number 1800-4200-269Email: helpdesk@policyx.com

We are happy to help.

Go Digit Term Insurance

Explore India’s best-selling Term insurance plans below

Go Digit Term Insurance aims to provide customer-centric, technology-driven insurance solutions.

Digit Glow Term Insurance Plan

Digit Glow Term Insurance Plan

Digit Glow Term Insurance Plan by Go Digit Life Insurance Ltd provides high life cover at affordable premiums, flexible policy terms, and pure risk pr...

Unique Features

  • Health Wellness Benefits
  • Flexible Premium Payment Tenure
  • Additional Rider Benefits

Digit Glow Term Insurance Plan (Pros)

Digit Glow Term Insurance Plan
  • Health Wellness Benefits
  • Flexible Premium Payment Tenure
  • Additional Rider Benefits

Digit Glow Term Insurance Plan (Cons)

Digit Glow Term Insurance Plan
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

Digit Glow Term Insurance Plan (Other Benefits)

Digit Glow Term Insurance Plan
  • Death Benefits
  • Tax Benefits
  • Inbuilt Terminal Illness Cover

Digit Glow Term Insurance Plan (Eligibility Criteria)

Digit Glow Term Insurance Plan
  • Entry Age: 18 years (Minimum)
  • 65 years (Maximum) Sum Assured: Rs 2.25 lakhs (Minimum) Maturity Age: 85 years (Maximum) Premium Payment Term (PPT): Regular Pay (RP)
  • Single Pay (SP)
  • Limited Pay (LP)

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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