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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
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Notes

1- Beshak Ratings data was last updated in September 2023.

2- All data was sourced from public disclosures (FY 2023-2024, Q1 and FY 2022-23, Q4), insurer websites, and the IRDAI website. Except Claim Amount Settlement Ratio, for which the data was taken from the IRDAI Annual Report 2021-22.

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. 

  ・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 PNB MetLife Aajeevan Suraksha Plan and Edelweiss Tokio Zindagi Protect

Claims Track Record:

PNB MetLife Aajeevan Suraksha Plan

PNB Metlife Insurance Company has settled 99.70% of their claims within 30 days. Their claim settlement ratio is 99.06% and their claim amount settlement ratio is 93.35%. They have an online claim tracking system and a dedicated toll-free for claims service. However, they have a few downsides. PNB Metlife Insurance Company does not provide a personal relationship manager or home pick-up service for claims. And, they have a moderately long claim form as well. Also, they have received a higher number of claim-related complaints compared to other insurers.

Edelweiss Tokio Zindagi Protect

Edelweiss Tokio Life Insurance Company has a record of settling 100% of claims in under 30 days, but a higher number of claim settlement complaints. Edelweiss Tokio Life Insurance Company has a claim settlement ratio of 99.20%, and their claim amount settlement ratio stands at 95.12%. Furthermore, they offer convenient features such as a dedicated toll-free number for claims support and an online tracking system for claims. However, it's important to be aware that they have a moderately long claim form and do not provide a personal relationship manager for claims. They also don’t offer a home pick-up claim service.

Service Experience:

PNB MetLife Aajeevan Suraksha Plan

You can contact PNB Metlife Insurance Company via their toll-free telephone number or Twitter. Based on our research, we found that both their Twitter and toll-free number responses were slow, compared to other insurers. So, you and your family may not get timely help in case of queries, concerns, etc.

Edelweiss Tokio Zindagi Protect

You can contact Edelweiss Tokio Life Insurance Company through their toll-free telephone number and Twitter. Our research has indicated that their toll-free service is quick and efficient, while their Twitter response rate is slow, compared to other insurers. For prompt response to your or your family’s queries and issues, it's advisable to contact their toll-free number.

Product Benefits:

PNB MetLife Aajeevan Suraksha Plan

PNB Metlife Aajeevan Suraksha Plan offers various customization options. It offers a lifetime cover up to 99 years with various limited payment options - 5, 10 and 15 years. The premium can be paid monthly, quarterly, half-yearly, or annually. You can choose between various claim payout options, including a lump sum option, monthly instalments option, and a combination of both. However, it doesn’t provide an increasing cover feature. The PNB Metlife Aajeevan Suraksha Plan offers 2 riders - Critical Illness Rider and Accidental Death Benefit Rider. These are optional add-ons that you can include in your base policy to widen your coverage.

Edelweiss Tokio Zindagi Protect

Edelweiss Tokio Zindagi Protect offers a variety of customization options. It offers a life cover up to 100 years with limited payment options ranging from 5, 7, 10, 15 and 20 years. You can choose to pay your premiums monthly, quarterly, half-yearly, or annually as per your convenience. Claim payout options include a one-time lump sum option, monthly instalment option, and a combination of both. However, it does not offer an increasing coverage option. Edelweiss Tokio Zindagi Protect offers various riders including a Critical Illness Rider, Waiver of Premium due to Critical Illness Rider, Waiver of Premium due to Accidental Disability, and an Accidental Death Benefit Rider.