E Term Plan vs Saral Jeevan Bima Term Insurance Plan 2026

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Kotak e-Term Plan offers high life cover at affordable premiums with special rates for women and non-tobacco users. The plan also includes optional riders for extra protection against critical illness, accident, and disability. It offers special premium rates to non-tobacco users and women. You can also choose additional cover through optional riders available along with the plan, thereby, ensuring complete cover against unfortunate eventualities.

Kotak e-term plan is a pure risk term insurance plan providing your family and loved ones with financial protection in the face of adversity. Kotak e-term plan offers multiple plan options namely life, life plus, and Life Secure. Kotak Life e-term plan also offers the option of Increasing or decreasing life cover based on various life stages.

Kotak e-Term Plan offers you a range of benefits including:

3 Plan Options
Multiple Payout Options
Step-Up Option
Tax Benefits As Per Laws

Lower Premium for Female Lives
Inbuilt Wellness Benefits

Riders Associated with Kotak e-term Plan

You can add the following riders to your Kotak e-term Plan:

Kotak Critical Illness Plus Benefit Rider

Get an extra payout if you are diagnosed with 37 covered critical illnesses.

Kotak Permanent Disability Benefit Rider

In case the policyholder gets permanently disabled due to an accident, benefits are paid under this rider.

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Premium Including GST
Key Features (Key features of the plan)	Available online 3 plan variants Life cover options	Flexible premiums Additional riders Financial protection
Plan Maturity age	Maximum Maturity Age - 85 years	Maximum Maturity Age - 70 years
Plan Sum Assured	Basic Sum Assured: ₹51L to No Limit	Basic Sum Assured: ₹50,000 to no limit.
Plan Entry Age	Minimum Age - 18 years Maximum Age - 60 years	Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes	Single, Yearly, Half-Yearly, Quarterly and Monthly	Single pay, half-yearly, quarterly & monthly
Plan Policy loan	The policy loan is not available under Kotak e-term Plan.	The policy loan is not available under HDFC Life Saral Jeevan Bima Plan.
Plan Sample Premium	Rs 580-/ per month	Rs 630/- per month
Plan Brochure	Brochure URL	Brochure URL
Policy Term	Minimum term - 10 years Maximum term - 40 years	Minimum term - 10 years Maximum term - 50 years
Claim Settlement Ratio (2024-25)	98.61%	99.68%
Recommended Videos	Kotak Life Term Insurance	HDFC Term Insurance Plans

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Riders

Riders Associated with Kotak e-term Plan

Kotak Critical Illness Plus Benefit Rider

Kotak Permanent Disability Benefit Rider

Riders Associated with HDFC Life Saral Jeevan Bima Plan

HDFC Income Benefit on Accidental Disability Rider

HDFC Life Protect Plus Rider

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