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.

The Bajaj Allianz Life Insurance Company has settled 99.91% of their claims within 30 days with a fewer number of customer complaints. Their claim settlement ratio is 99.04% and their claim amount settlement ratio is 93.45%. There is also an online claim tracking system and a dedicated toll-free number for providing customers with a high-quality and efficient claims service. And, they also have a short claim form. On the other hand, the company does not provide a personal relationship manager for claims or home pick-up of claims.

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.

You can connect with Bajaj Allianz Life Insurance Company via their toll-free number or Twitter for any assistance. As per our research, the response time on toll-free is quick and twitter is slow, compared to other insurers. This means that you and your loved ones can get timely assistance over the toll-free number.

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.

Bajaj Allianz Life eTouch offers many customization options to suit your specific needs and lifestyle. It offers a cover up to the age of 99  - making it a great choice for long-term financial security. It offers various limited payment options, ranging from 5, 6, 10, 12, 15, 20, pay till 60 years. The premium for Bajaj Allianz Life eTouch can be paid monthly, quarterly, half-yearly, or annually. The plan offers a one-time lump-sum and lump-sum + instalments claim payout options. And, it does not offer an increasing cover feature. Bajaj Allianz Life eTouch offers Waiver Of Premium Rider for Accidental Disability and Accidental Death Benefit Rider. With this additional rider, you can extend the coverage of your policy, ensuring an extra layer of protection.