Hdfc Term Insurance vs Icici Term Insurance Term Insurance 2026 | PolicyX
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Hdfc Term Insurance

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Icici Term Insurance

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

Annual Premiums Collected (2024-25)

₹ 044.91 Cr

Annual Premiums Collected (2024-25)

₹ 950.71
Payout Options

Payout Options

Lump sum, monthly or a combination of both

Payout Options

Lump sum, monthly, or a combination of both
Claim ratio

Payout Options

99.68%%

Payout Options

99.34%%
Solvency Ratio

Solvency Ratio

1.94

Solvency Ratio

213.2%
Pan India Presence

Pan India Presence

450+

Pan India Presence

506
Riders Available

Riders Available

Return of Premium, Terminal Illness Benefit, Income Benefit Rider, Waiver of Premium (WOP) Rider, Critical Illness Cover/Rider, Accidental Total and Permanent Disability (ATPD) Rider, Accidental Death Benefit Rider (ADB)

Riders Available

Terminal Illness Benefit, Income Benefit Rider, Waiver of Premium, Critical Illness Benefit, Permanent and Partial Disability Benefit, Accidental Death Benefit
Inception year

Inception year

2000

Inception year

2001
Complaint ratio per ₹1 crore of premium collected

Complaint ratio per ₹1 crore of premium collected

0.023

Complaint ratio per ₹1 crore of premium collected

0.011
Average claim settlement time

Average claim settlement time

24 business hours

Average claim settlement time

30 Days
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Types of HDFC Term Insurance Plans

Every plan currently being sold by HDFC Term Insurance, shown side-by-side so you can shortlist quickly.

HDFC Quick Protect

HDFC Life Quick Protect is a comprehensive term insurance plan offering coverage against death, disease, and disability. It provid... Read More

Unique Features

  • High Sum Insured
  • 19 Critical Illness Cover
  • Accidental Death Benefit
Sum AssuredEntry Age - 18 years
Entry AgeMax Entry Age - 50 years
View plan

HDFC Term With Return Of Premium

The HDFC Term with Return of Premium Plan offers life insurance coverage where all base premiums are returned at policy maturity, ... Read More

Unique Features

  • Death Benefit
  • Reduced Paid Up Benefit
  • Discount On Large Sum Assured
Sum AssuredEntry Age: 18 Years
Entry AgeMax Entry Age: 50 years
View plan

HDFC Life Smart Term Pro

HDFC Life Smart Term Pro is a versatile term insurance plan designed for comprehensive life coverage and financial security. It of... Read More

Unique Features

  • Enhanced Protection Through Riders
  • Return of Premium
  • Surrender and Maturity Benefit
Sum AssuredEntry Age - 30 Days
Entry AgeMax Entry Age - 60 years
View plan

HDFC Life Smart Term Edge

HDFC Life Smart Term Edge is a comprehensive term protection plan offering flexible options like Classic, Step-Up, and Comprehensi... Read More

Unique Features

  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit
Sum AssuredEntry Age - 18 Years
Entry AgeMax Entry Age - 60 years
View plan

HDFC Life Click 2 Protect 3D Plus

The HDFC Click 2 Protect 3D Plus Term Plan provides 3-in-1 protection against death, disability, and critical illness, ensuring fi... Read More

Unique Features

  • 9 Plan Options
  • Whole life coverage
  • Rider benefits
Sum AssuredEntry Age -18 Years
Entry AgeMax Entry Age - 65 years
View plan

HDFC Life Sanchay Legacy

HDFC Life Sanchay Legacy is a comprehensive term plan offering whole life coverage with an increasing death benefit and early retu... Read More

Unique Features

  • Increasing death benefit
  • Life cover with no medical test
  • Accelerated death benefit
Sum AssuredMinimum Entry Age: 40 years
Entry AgeMaximum Entry Age: 75 years
View plan

HDFC Life Click 2 Protect Elite

HDFC Life Click 2 Protect Elite is a term insurance plan offering very high life cover, starting from ₹2 crores, with flexible p... Read More

Unique Features

  • Smart Exit Benefit
  • Free-look period
  • Policy revival
Sum AssuredEntry age - 18 years
Entry AgeMax entry age - 45 years
View plan

HDFC Life Saral Jeevan Bima

HDFC Life Saral Jeevan Bima is a simple, transparent, and affordable non-linked, non-participating term plan, ideal for first-time... Read More

Unique Features

  • Flexible premiums
  • Additional riders
  • Financial protection
Sum AssuredEntry Age - 30 Days
Entry AgeMax Entry Age - 65 Years
View plan

HDFC Click 2 Protect Supreme

HDFC Life Click 2 Protect Supreme is a pure term insurance plan designed to secure a family's finances, offering three plan option... Read More

Unique Features

  • Choice of Plan Options
  • Return of Premium Option
  • Increasing Death Benefits
Sum AssuredEntry age - 18 years
Entry AgeMax entry age - 84 years
View plan

HDFC Life Click 2 Protect Ultimate

HDFC Life Click 2 Protect Ultimate is a term insurance plan providing high life cover with 100% claim assurance. It includes a ter... Read More

Unique Features

  • High Life Cover
  • Terminal Illness
  • Return of Premium Benefit
Sum AssuredEntry Age: 18 Years
Entry AgeMax Entry Age: 50 Years
View plan

HDFC Click to Protect Supreme Plus

HDFC Click 2 Protect Supreme Plus is a flexible term insurance plan providing comprehensive long-term family protection. It offers... Read More

Unique Features

  • 3 plan options
  • wellness benefits
  • survival benefits
Sum AssuredEntry Age - 18 Years
Entry AgeMax Entry Age - 50 years
View plan

Types of ICICI Term Insurance Plans

Every plan currently being sold by ICICI Term Insurance, shown side-by-side so you can shortlist quickly.

ICICI Pru Loan Protect Plus

The ICICI Life Loan Protect Plus Plan is a term insurance solution specifically designed to protect policyholders and their famili... Read More

Unique Features

  • Death Benefit Options
  • Flexible Policy Terms
  • Life Cover Options
Sum AssuredMinimum Entry Age: 18 years
Entry AgeMaximum Entry Age: 65 years
View plan

ICICI Pru Life Raksha

ICICI Pru Life Raksha is a pure protection term insurance plan designed to offer affordable financial security for families, provi... Read More

Unique Features

  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Option
Sum AssuredMinimum entry age: 18 years
Entry AgeMaximum entry age: 60 years
View plan

ICICI Life iShield Term

ICICI Life iShield is a dual-benefit term plan, offering both life and health insurance coverage in a single policy. It provides a... Read More

Unique Features

  • Combi Plan - Health & Life
  • Family Cover
  • Discounts for Non-Smokers
Sum AssuredMinimum Entry Age: 6 years
Entry AgeMaximum Entry Age: 65 years
View plan

ICICI Life iCare II

The ICICI Life iCare II is a pure term insurance plan designed for affordable financial protection, especially beneficial for indi... Read More

Unique Features

  • Accidental Death Cover
  • Affordable Premiums
  • Tax Benefit on Premiums
Sum AssuredMinimum Entry Age: 18 years
Entry AgeMaximum Entry Age: 65 years
View plan

ICICI Life Loan Protect

The ICICI Pru Loan Protect Plan is a non-participating term insurance designed to secure borrowers against outstanding loan liabil... Read More

Unique Features

  • Protection against mortgage
  • protection against car loan
  • sum assured starts with ₹5 Lacs
Sum AssuredMinimum Entry Age: 18 years
Entry AgeMaximum Entry Age: 65 years
View plan

ICICI Pru iProtect Super Term

The ICICI Prudential iProtect Super Term Plan offers pure protection term insurance tailored for self-employed individuals and bus... Read More

Unique Features

  • Term Plan for Self-employed
  • Premium Break Option
  • Smart Exit Benefit
Sum AssuredMinimum entry age: 18 years
Entry AgeMaximum entry age: 55 years
View plan

ICICI iProtect Smart Plus

ICICI iProtect Smart Plus is a comprehensive term insurance plan offering life cover up to 99 years, with optional protection agai... Read More

Unique Features

  • Choice of Plan Option
  • Premium Break
  • Insta Claim Payment
Sum AssuredEntry age: 18 years
Entry AgeMaximum entry age: 55 years
View plan

Term Insurance Articles

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Expert Reviewed

Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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