Aditya Birla Sun Life DigiShield vs SUD Life Protect Shield Plus

Aditya Birla Sun Life Insurance Company has settled 99.86% of its claims in less than 30 days. Furthermore, the claim settlement ratio is 98.12%, and the company’s claim amount settlement ratio is 96.15%. The company has received fewer claim settlement complaints. It provides the benefit of tracking claims online and a dedicated toll-free number for claims. However, the claim form is long, and you don’t get the benefit of a personal relationship manager for claims or a home pickup claims service.

SUD Life Insurance Company has settled 88.65% of claims within 30 days and they have a higher number of claim-related complaints. Their claim settlement ratio is 96.07%, while the claim amount settlement ratio stands at approximately 91.41%. They offer the convenience of online claim tracking and a dedicated toll-free helpline for claims. However, SUD Life Insurance Company does not provide a personal relationship manager for claims and home pick-up service for claims documentation. It also has a moderately lengthy claim form.

Aditya Birla Sun Life Insurance Company provides customer service via their toll-free service with a moderate response speed, compared to other insurers. This means you may face speedbumps while addressing your queries.

You can reach out to SUD Life Insurance Company through their toll-free telephone number or Twitter. Our research suggests that the response rate on Twitter is average and the toll-free number is fast, compared to other insurers. So, you or your family can contact their toll-free number to get the necessary help promptly.

The Aditya Birla Sun Life DigiShield Plan provides you with various benefits and customisation options. However, it doesn’t provide you with the increasing cover feature. The plan offers you a cover duration of up to the age of 85 years. It also includes several Limited pay options such as 5, 7, 10, 12, 15, 20, and pay till 60 years. Aditya Birla Sun Life DigiShield Plan gives you only one claim payout option, i.e. one-time lump-sum. Riders available include a Comprehensive Critical Illness Rider, an Accidental Death Benefit Rider, and Waiver of Premium Riders.

SUD Life Protect Shield Plus provides a range of customization options. It offers coverage up to the age of 70, with limited payment options, including 5, 7, 10, 12, and 15 years. You can pay premiums monthly, quarterly, half-yearly, or annually. It offers the payout as a one-time lump sum. It's important to note that this policy does not come with an increasing cover feature and does not offer additional riders.