AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & underwriting wordings.
Free Health Benefits
Includes free annual health check-up packages, unlimited tele-consultations, and pharmacy discounts.
Premium Holiday
Take a break from paying premiums for 1, 2, or 3 years without losing your life cover.
Early Exit Value
Surrender your policy early and receive up to 2X of all premiums paid back.
Coverage & Payout Options
Death benefit options, terminal illness 100% payout, and entry terms.
Lump Sum, 10-Yr Regular Monthly Income, or Increasing Monthly Income (10% hike/yr)
100% Sum Assured paid immediately upon medical certification of life expectancy < 6 months at zero extra premium
Option to add +50% cover on marriage and +25% on birth of children without fresh medical underwriting
Tax deduction up to ₹1.5 Lakh/yr under Section 80C + 100% Tax-Free death benefit for nominee under Section 10(10D)
Riders & Add-on Benefits
Critical illness protection, accidental covers, and premium waivers.
Riders available upon consultation with advisor.
Claim Settlement Track Record
Official IRDAI public disclosures on claim settlement metrics.
14,520 Claims.
Express claim payout within 1 business day for eligible policies.
Well above the mandatory IRDAI minimum threshold of 1.50.
Exclusions
Standard non-payable clauses per IRDAI term regulations.
Summary
Licensed IMF AdvisoryHAMCHAAR IMF LLP · IRDAI License IMF09380620250815 · Zero fees charged for consultation