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Beshak  gradient-star  Rating - Insurance Ratings based on stuff that matters to you!

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
Home arrow Term Life Insurance arrow Best Term Plans arrow HDFC Life Click 2 Protect Elite vs Max Life Smart Secure Plus

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HDFC Life Click 2 Protect Elite vs Max Life Smart Secure Plus

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HDFC Life Click 2 Protect Elite with similar Term Insurances

HDFC Life Click 2 Protect Elite

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Max Life Smart Secure Plus with similar Term Insurances

Max Life Smart Secure Plus

Bandhan Life iTerm Comfort

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Max Life Smart Secure Plus

IndiaFirst Life Elite Term

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Max Life Smart Secure Plus

HDFC Life Click 2 Protect Super

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Max Life Smart Secure Plus

India First Life Guaranteed Protection Plus

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Max Life Smart Secure Plus

HDFC Life Click 2 Protect Life

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Max Life Smart Secure Plus

PNB MetLife Aajeevan Suraksha Plan

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Max Life Smart Secure Plus

Canara HSBC Young Term Plan

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Max Life Smart Secure Plus

SUD Life Protect Shield Plus

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Max Life Smart Secure Plus

Canara HSBC iSelect Smart360

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Max Life Smart Secure Plus

Edelweiss Life Zindagi Protect

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Max Life Smart Secure Plus

SUD Life Protect Shield

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Max Life Smart Secure Plus

PNB Metlife Mera Term Plan Plus

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Max Life Smart Secure Plus

Bandhan Life iTerm Prime

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Max Life Smart Secure Plus

Bajaj Allianz Life eTouch

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Max Life Smart Secure Plus

Bajaj Allianz Life Diabetic Term Plan

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Max Life Smart Secure Plus

Kotak Life e-Term

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Max Life Smart Secure Plus

TATA AIA Maha Raksha Supreme

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Max Life Smart Secure Plus

LIC New Tech Term

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Max Life Smart Secure Plus

ICICI Pru iProtect Smart

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Max Life Smart Secure Plus

LIC Jeevan Kiran

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Max Life Smart Secure Plus

TATA AIA Sampoorna Raksha Supreme

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Max Life Smart Secure Plus

Aditya Birla Sun Life DigiShield

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Max Life Smart Secure Plus

SBI Life eShield Next

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Max Life Smart Secure Plus

Bajaj Allianz Life Smart Protection Goal

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Max Life Smart Secure Plus

Bajaj Allianz Life iSecure

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Max Life Smart Secure Plus

Aditya Birla Sun Life Salaried Term Plan

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Notes

1- Beshak Ratings data was last updated in June 2024.

2- All data was sourced from public disclosures (FY 2023-2024, Q4) except LIC (their FY 2023-2024, Q4 data isn't fully updated, so we have considered their FY 2023-2024, Q3 PD data), insurer websites, and the IRDAI website. 

3- Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.

4- In the Premium Ratings, we do not display premium amounts - instead, we show the product's relative pricing compared to the median.

5- Premium for all plans is calculated for the following profile: 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. Except for these plans:

  ・Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c - Premium is calculated for a 30-year-old, non-smoker, married male, having Type 2 diabetes, with HbA1c level between 6.5 to 7, for a sum assured of INR 1 Crore, up to the age of 55 years, paying annual premiums for 25 years. 

  ・HDFC Life Click 2 Protect Elite - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums for 15 years. 

  ・IndiaFirstLife Guaranteed Protection Plus Plan - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 75 years, paying annual premiums for 40 years. 

  ・TATA AIA Maha Raksha Supreme - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. 

6- The overall ratings do not include the premium rating. This is because we believe that the affordability of premiums is a personal thing. Something that seems unaffordable or expensive to one person could seem cheap and affordable to another, regardless of their income. We leave it up to our users to decide whether the price they pay seems reasonable for the features they receive.

7- The Response time on Twitter (Beta) was calculated using a sample set of tweets from February to August 2023 - (Analyzed in September 2023).

8- Claims Experience was assessed based on an audit of various processes and facilities offered by the insurers, during claim settlement.

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Compare HDFC Life Click 2 Protect Elite and Max Life Smart Secure Plus

Claims Track Record:

Max Life Smart Secure Plus

Max Life Insurance Company holds an excellent track record with respect to both purchase and claim settlement experience. They have settled 99.92% of their claims in less than 30 days, with a relatively lesser number of claim complaints compared to other insurers. Max Life Insurance Company has a claim settlement ratio of 99.51%, and its claim amount settlement ratio is 96.71%. The plan provides online tracking of claims and a dedicated toll-free claims service. The insurer does not provide the benefit of a personal manager for claims. And the insurer does not provide a home pick-up of claims, unlike some other insurance companies. The claim form is moderately long.


 

Service Experience:

Max Life Smart Secure Plus

Max Life Insurance Company provides customer services via toll-free and Twitter. In our research, we found that both their Twitter and toll-free service were found to be mediocre, compared to other insurers. This situation could potentially suggest that both you and your family might encounter challenges when seeking assistance from their service team throughout your journey.

Product Benefits:

Max Life Smart Secure Plus

The Max Life Smart Term Insurance Plus Plan provides competitive pricing and a range of customisation options. One notable advantage of this plan is the flexibility it offers by giving you the option to increase your cover by 5% annually until your base policy cover is doubled. This begins from the 2nd policy year onwards. The Max Life Smart Term Plus Plan offers a life cover with a duration that extends up to the age of 70 years. It gives you various Limited Pay options, including 5, 10, 15 years, and pay till 60 years. The plan offers one claim payout option - One-Time Lumpsum. To enhance your coverage further, the Max Life Smart Term Plus Plan comes with several riders that can be added to the policy, like a Comprehensive Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium Rider (for both Critical Illness and Accidental Disability).