Suggestions for a good term plan. Which one is better HDFC click to protect, ICICI Icare or Aviva ?

POSTED BY sreejith sivaraman ON September 27, 2012 4:27 pm COMMENTS (5)

I am a 32 year old male earning about 9 Lakhs per year. Recently married and with no health related issues. I am looking for a term plan for 25 years. Earlier I wanted to take LIC online term plan and  delayed my decision  waiting for the LIC online term plan. Now, I don’t think it is going to come up soon and wanted to get a term plan cover at the earliest. I have shortlisted HDFC click2protect, ICICI prudential Icare and Aviva ILife after looking at various things like claim settlement ratio. I am not sure about which one to select. I checked the feedback about all the three companies online. ICICI Prudential has a lot of bad reviews from customers. HDFC mixed and Aviva good. But the issue is I am from a small town and in my search I found that Aviva doesn’t have many offices at my place and thinking if it may be an issue in the future. HDFC and ICICI have offices near to my place. Is it fine to go with HDFC click2protect ? any one have good/bad experiences with HDFC click2protect ?

5 replies on this article “Suggestions for a good term plan. Which one is better HDFC click to protect, ICICI Icare or Aviva ?”

  1. Dear Sunil,

    ‘No medicals’ is to provide you with the convenience of buying this product within minutes. You don’t have to wait for hospital appointment, re-scheduling the appointment (in case you are busy on the day appointment is made), wait for reports etc.

    Hope this answers your question.

    Warm Regards,
    Life Insurance Help
    ICICI Prudential Life Insurance

  2. sunil says:

    Dear LifeInsuranceHelp,

    Having an Insurance along with Medical tests is preffered against those without any medical tests.
    So why should one go for those offering without medical tests, its hardly 4-5 hours work at the hospital….

    This is my view, please let me know the pros and cons of it.

  3. Dear Sreejith,

    We understand the concerns you have while investing in a term policy to secure your family. As Ankur rightely pointed out, the claims preformance and the service reputation of the brand are important criteria that need to be taken into consideration. In addition, its essential to check the convenience offered in terms of medical checkups, online sign up/ payments and services.

    Our online platform,, takes these factors into account and recommends a cover that is right for you.

    You may consider ICICI Pru iCare, a term plan from ICICI Prudential Life Insurance which has been chosen by consumers as the “Product of the Year 2012” in the Life Insurance Category based on a survey of over 30,000 people by Neilson.

    ICICI Prudential Life Insurance has a healthy claims record as cited in the following news articles and

    This plan can easily be purchased online and allows you to get a cover of upto 1 crore without any medical tests. This makes it very easy and quick to get protected.

    To find out more about this product and to see if it suits you, please visit

    Please understand that we only offer suggestions based on your requirements, however choosing a policy most appropriate for you remains at your discretion.

    Warm Regards,
    Life Insurance Help
    ICICI Prudential Life Insurance

  4. ANKUR says:

    Dear Shreejith,

    As per me there are couple of important points one needs to check with respect to a term policy
    1-The Company:It is important you dnt put your money in some fly-by-night operator who attract us with low premiums also i personally avoid insurance plans who are a consortium of two company’s as such plans are for generally brought for long tenure and anything could go wrong between the tie-up in the long run.Even though there are governing bodies monitoring this by why take a chance.
    2-The claim settlement ratio-At the end of the day all you want is for your loved ones to get the claim hassle free so go for the highest

    Both Icici and Hdfc are good with pros and cons but i personally think right now these are the two best options we have
    Also always divide your cover with two company’s for safety aspect
    Yes even im waiting for LIC and hopefully they will come out with their online term plan quite soon,till then i think either of these two plans should suffice for your cover.

  5. Here is an experience for both



    You can go with HDFC Click2Protect . there should not be much issue , but the point is , if its applicable in your city , which is your city ?


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