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 accelerator, 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 (NL-37) on claim settlement metrics.
Percentage of individual death claims honored (IRDAI Annual Report).
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