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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 Life vs ICICI Pru iProtect Smart

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HDFC Life Click 2 Protect Life vs ICICI Pru iProtect Smart

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HDFC Life Click 2 Protect Life with similar Term Insurances

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ICICI Pru iProtect Smart with similar Term Insurances

ICICI Pru iProtect Smart

IndiaFirst Life Elite Term

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ICICI Pru iProtect Smart

Bandhan Life iTerm Comfort

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ICICI Pru iProtect Smart

Bajaj Allianz Life iSecure

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ICICI Pru iProtect Smart

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ICICI Pru iProtect Smart

HDFC Life Click 2 Protect Super

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ICICI Pru iProtect Smart

India First Life Guaranteed Protection Plus

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ICICI Pru iProtect Smart

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ICICI Pru iProtect Smart

Canara HSBC Young Term Plan

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ICICI Pru iProtect Smart

SUD Life Protect Shield Plus

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ICICI Pru iProtect Smart

Canara HSBC iSelect Smart360

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ICICI Pru iProtect Smart

Edelweiss Life Zindagi Protect

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ICICI Pru iProtect Smart

SUD Life Protect Shield

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ICICI Pru iProtect Smart

PNB Metlife Mera Term Plan Plus

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ICICI Pru iProtect Smart

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ICICI Pru iProtect Smart

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ICICI Pru iProtect Smart

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ICICI Pru iProtect Smart

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ICICI Pru iProtect Smart

TATA AIA Maha Raksha Supreme

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ICICI Pru iProtect Smart

LIC New Tech Term

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ICICI Pru iProtect Smart

LIC Jeevan Kiran

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ICICI Pru iProtect Smart

TATA AIA Sampoorna Raksha Supreme

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ICICI Pru iProtect Smart

PNB MetLife Aajeevan Suraksha Plan

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ICICI Pru iProtect Smart

HDFC Life Click 2 Protect Elite

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ICICI Pru iProtect Smart

Kotak Life e-Term

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ICICI Pru iProtect Smart

SBI Life eShield Next

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ICICI Pru iProtect Smart

Bajaj Allianz Life Smart Protection Goal

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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 Life and ICICI Pru iProtect Smart

Claims Track Record:

HDFC Life Click 2 Protect Life

HDFC Life Insurance Company has a good track record when it comes to settling claims. They have successfully settled 99.94% of claims in less than 30 days with fewer complaints, compared to other insurers. The insurer boasts of a claim settlement ratio of 99.39%, with a claim amount settlement ratio of 89.38%. They provide online tracking of claims and a dedicated toll-free claims service. However, they do not offer a personal manager for claims and have a moderately long claim form. Also, they do not provide a home pick-up claim service.

ICICI Pru iProtect Smart

ICICI Prudential Life Insurance Company Limited has a claim settlement ratio of 95.28% and they have successfully settled 97.44% of claims in less than 30 days. Their claim amount settlement ratio is 95.49%. And, while they do not offer the benefit of a personal manager, they do provide online tracking of claims. They also have a dedicated toll-number claims service. But, their claim form is very long, and they do not offer a home pick-up service. And, they have received a higher number of claim settlement complaints.

Service Experience:

HDFC Life Click 2 Protect Life

HDFC Life Insurance Company offers customer service through their toll-free number and Twitter, but our research indicates that their toll-free number has a slow response time and their Twitter handle has an average response time, compared to other insurers. Meaning you or your family may face some difficulties in getting your queries addressed.

ICICI Pru iProtect Smart

ICICI Prudential Life Insurance Company Limited offers customer service through their toll-free number and Twitter. However, the response rate for Twitter and the toll-free number is average compared to other insurers. This raises concerns about the quality of support you and your family may receive from their service team throughout your journey.

Product Benefits:

HDFC Life Click 2 Protect Life

The HDFC Life Click 2 Protect Life Plan offers various customization options. However, unlike some other plans, it does not provide the option to choose the increasing cover. The HDFC Life Click 2 Protect Life Plan provides a life cover duration up to age 85, with several limited pay options ranging from 5 to (PT-1) years. You can pay premiums on a monthly, half-yearly, yearly basis. The only claim payout option available with this plan is a one-time lump sum payment. Additionally, the HDFC Life Click 2 Protect Life Plan offers riders such as a Comprehensive Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium due to Critical Illness Rider.

ICICI Pru iProtect Smart

The ICICI Pru iProtect Smart Insurance Plan is competitively priced and offers a range of customizable options. However, it does not provide the choice to increase coverage with the increasing cover option. The ICICI Pru iProtect Smart Term Plan offers flexible coverage options with a life cover duration that can extend up to 99 years. It also features Limited Pay options such as 5, 7, 10, (PT-5), and Pay till 60 years, and multiple claim payout options, including one-time lump-sum, lump-sum with monthly income, and monthly income options. You can pay the premiums monthly, quarterly, half-yearly, or yearly. Riders available with ICICI Pru iProtect Smart Term Plan include a Comprehensive Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium Rider due to Accidental Disability.