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Coverage in Life Insurance

A life insurance policy provides coverage from the uncertainties of life such as an unexpected demise of the life assured during the policy tenure. In case of an unpredicted demise of the life assured during the policy tenure, the family of the life assured will receive a death benefit. Under life insurance the coverage refers to the amount of risk cover that will be provided by the life insurance company to the life assured.

1 Crore Life Cover starting from just ₹16/Day*
1 Crore Life Cover starting from just ₹16/Day*
  • Tax Benefit
    Tax Benefit
    Up to 1,50,000**
  • Claim Support
    Claim Support
    Everyday 10AM-7PM
  • 45 Lacs+
    45 Lacs+
    Happy Customers

*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

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What Does Coverage Mean In Life Insurance?

Under life insurance coverage refers to the amount of risk cover that is provided to the life assured by the insurance company. Life insurance is a contract between an individual and life insurance company under which the former promises to provide life cover to the individual in exchange for regular premium payment. Under a life insurance policy the coverage amount is chosen by the policyholder and the coverage amount i.e. sum assured determines the amount of premium to be paid periodically by the life assured.

Life insurance policy provides coverage against the uncertainities of life which includes an untimely demise of the life assured during the policy tenure. In case of an unforeseen demise of the life assured during the policy term, a death benefit is provided to the family of the life assured.

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Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

What Does Life Insurance Cover?

Life insurance policy covers death of the life assured due to natural causes and medical conditions. Additionally, life insurance policy also provides financial protection to the family of the life assured in case of life assured’s untimely demise due to an illness or accident. There are several riders that help an individual get specific coverage from specific situations such as coverage for critical illness, accidental death or accidental total and permanent disability.

What Does Life Insurance Not Cover?

Below mentioned are some aspects which are not covered under a life insurance policy:

  • Suicide of the life assured
  • Death under the influence of alcohol and drugs
  • Death on account of participation in any dangerous activities
  • Death from pre-existing medical conditions
  • Death due to undisclosed medical condition or personal habit
  • Death caused during an terrorist act.

Life Insurance Companies User Reviews

What users are saying
  • Exceptional Team Support

    I recently had an outstanding experience with InsuranceDekho's support team regarding my LIC life insurance policy. Their exceptional dedication to customer satisfaction reaffirmed my confidence in both InsuranceDekho and LIC life insurance.

    By Vishesh Arora
    On: March 11, 2024
  • Exceptional customer service

    I recently had a great experience with InsuranceDekho's customer support. When I had questions about my Bharti AXA Life Insurance, their team went out of their way to help. Their dedication to customer satisfaction is truly impressive.

    Bharti AXA
    By Naveen jangra
    On: March 06, 2024
  • Personalised Follow-up

    I was impressed by InsuranceDekho's personalized follow-up after I purchased my Aegon Life Insurance policy. Their genuine concern for my well-being stood out, showcasing exceptional customer engagement. Thank you, InsuranceDekho, for delivering such outstanding service.

    By Vishal Tanwar
    On: March 05, 2024
  • Easy Process & Supportive team

    Just got my Bajaj Allianz Life Insurance with the help of InsuranceDekho. The team helped me during the whole process and made sure that the details were correct. Highly recommend Insurancedekho to everyone.

    Bajaj Allianz
    By Vinita Bansal
    On: March 04, 2024
  • Happy with Customer Support

    InsuranceDekho helped me get a good policy that added value for my money. Their customer support agent Payal Kumari was very good. I purchased HDFC Insurance from her through complete assistance.

    By Jagbindar Singh
    On: February 29, 2024

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