Aditya Birla Sun Life DigiShield Plan
How we score
INDIA’S FIRST UNBIASED, CONFLICT-FREE INSURANCE RATING
Overall Verdict
This product allows you to customize your plan with all the top benefits, customization benefits, payment options such as increasing covers, limited pay options, claim payout and critical illness riders. However, it is slightly expensive compared to other products in the market. Further, the critical illness rider is an accelerated one (paid as an advance from the base cover). Also, the insurer has a poor track record with respect to both purchase and claims service experience.
Pros
- Offers the option to automatically increase your claim amount, with time
- Several options to customize claim payouts
- Several Limited Pay options available, to speed up payments
- Our study observed their responses on Twitter to be relatively quicker than other insurers
Cons
- Slightly costlier than other products in the market
- The Critical Illness rider is not an additional cover, it pays out from the life cover amount
- Received higher number of complaints on purchase process compared to other insurers
- Received higher number of complaints on claim settlement compared to other insurers
Detailed Review
Claims Experience
4.4/5
Customer Service
3.3/5
Product Benefits
5/5
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
99.88%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.14%
How complex is the Claim Form?
The longer, the more hassles during claims
Moderately Long
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