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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 Kotak Life e-Term vs Bandhan Life iTerm Comfort

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Kotak Life e-Term vs Bandhan Life iTerm Comfort

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Kotak Life e-Term with similar Term Insurances

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Bandhan Life iTerm Comfort with similar Term Insurances

Bandhan Life iTerm Comfort

IndiaFirst Life Elite Term

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Bandhan Life iTerm Comfort

Max Life Smart Secure Plus

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Bandhan Life iTerm Comfort

HDFC Life Click 2 Protect Super

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Bandhan Life iTerm Comfort

India First Life Guaranteed Protection Plus

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Bandhan Life iTerm Comfort

HDFC Life Click 2 Protect Life

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Bandhan Life iTerm Comfort

PNB MetLife Aajeevan Suraksha Plan

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Bandhan Life iTerm Comfort

Canara HSBC Young Term Plan

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Bandhan Life iTerm Comfort

SUD Life Protect Shield Plus

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Bandhan Life iTerm Comfort

Canara HSBC iSelect Smart360

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Bandhan Life iTerm Comfort

Edelweiss Life Zindagi Protect

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Bandhan Life iTerm Comfort

SUD Life Protect Shield

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Bandhan Life iTerm Comfort

PNB Metlife Mera Term Plan Plus

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Bandhan Life iTerm Comfort

Bandhan Life iTerm Prime

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Bandhan Life iTerm Comfort

Bajaj Allianz Life eTouch

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Bandhan Life iTerm Comfort

Bajaj Allianz Life Diabetic Term Plan

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Bandhan Life iTerm Comfort

TATA AIA Maha Raksha Supreme

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Bandhan Life iTerm Comfort

LIC New Tech Term

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Bandhan Life iTerm Comfort

ICICI Pru iProtect Smart

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Bandhan Life iTerm Comfort

LIC Jeevan Kiran

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Bandhan Life iTerm Comfort

TATA AIA Sampoorna Raksha Supreme

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Bandhan Life iTerm Comfort

Aditya Birla Sun Life DigiShield

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Bandhan Life iTerm Comfort

HDFC Life Click 2 Protect Elite

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Bandhan Life iTerm Comfort

SBI Life eShield Next

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Bandhan Life iTerm Comfort

Bajaj Allianz Life Smart Protection Goal

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Bandhan Life iTerm Comfort

Bajaj Allianz Life iSecure

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Bandhan Life iTerm Comfort

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 Kotak Life e-Term and Bandhan Life iTerm Comfort

Claims Track Record:

Kotak Life e-Term

Kotak Life Insurance Company has settled 100% of its claims within 30 days, and there have been fewer complaints regarding its claims compared to other insurers. The claim settlement ratio of Kotak Life Insurance Company is 98.25%, and their claim amount settlement ratio is 95.53%. Also, the insurer offers an online claims tracking system and a dedicated toll-free number for claims assistance. However, they do not provide home pick-up of claims or a personal relationship manager for claims. Their claim form is also quite lengthy.


 

Service Experience:

Kotak Life e-Term

Kotak Life Insurance Company offers customer services via their toll-free number and Twitter. Our research found that the response times on Twitter and toll-free services were slow compared to other insurers. This means that you and your family may not receive timely assistance to resolve any issues.

Product Benefits:

Kotak Life e-Term

The Kotak Life e-Term offers a range of customization options giving you more control over the protection you receive. It offers a cover for up to 85 years with Limited Pay options such as 5, 10, and Pay till 60 years. You can pay premiums half-yearly or yearly. Also, the plan provides both one-time lump sum and one-time lump sum plus monthly installments claim payout options. However, it doesn’t provide an increasing cover option. Kotak Life e-Term also offers riders. Riders available with this plan include a Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium Rider for Critical Illness and Accidental Disability. These riders can provide extra financial support in the event of specific circumstances.