Instaprotect Plan vs Smart Term Pro Plan Term Insurance Plan 2026 | PolicyX
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Tata AIA InstaProtect is a comprehensive term plan offering all-round protection for families against death, disability, and a wide range of diseases, including 40 critical illnesses, cancer, and cardiac ailments. It provides a very high sum insured with
PLAN DETAILS

Instaprotect Plan

Smart Term Pro Plan
Premium Including GST
Key Features
(Key features of the plan)
  • All-round protection
  • Loaded with features
  • Very high Sum Insured
  • Enhanced Protection Through Riders
  • Return of Premium
  • Surrender and Maturity Benefit
Plan Maturity age Maximum Maturity Age - 75 years Maximum Maturity Age - 80 years
Plan Sum Assured Base sum assured: 25/50/70 lakhs Basic Sum Assured Rs. 50,000
Plan Entry Age Minimum Age - 18 years. Maximum Age - 45 years. Minimum Age - 18 years Maximum Age - 60 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Annual, half-yearly, & monthly
Plan Policy loan The policy loan is not available under Tata AIA InstaProtect Plan The policy loan is not available under HDFC Life Smart Term Pro Plan.
Plan Sample Premium - Rs 645-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years. Maximum term - 50 years. Minimum term - 15 years Maximum term - 40 years
Claim Settlement Ratio (2024-25) 99.45% 99.68%
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

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