1. Axis Max Life – Integrated App with Wellness Ecosystem (Max Fit)
Policy & Wellness Hub: Manage all policies, claim tracking, premium payments, and beneficiary updates within the app.
Health Monitoring: Track steps, vitals, health scores, access teleconsultations, and lifestyle insights.
Rewards & Boosters:
5% premium discount in year 1 on enrolment.
Wellness Booster accrual based on consistent participation.
Plan Add-Ons: Critical Illness & Disability Rider, Accidental Death & Dismemberment Rider.
Loan Facility: Policy loans available.
Nomination & KYC: Update details via voice or biometric login.
Aligns with broader Secure Earnings & Wellness Advantage Plan combining guaranteed returns, life cover, and wellness incentives.
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2. Canara HSBC Life – SecureInvest ULIP
High Cover: Life cover up to 100× annual premium.
Variants:
- Choice: Constant sum assured + fund value at maturity.
- Forever: Protection until age 85 for legacy planning.
Fund Strategy: 12 fund options, six pre-defined portfolio strategies, flexibility in switches and partial withdrawals.
Loyalty Features:
- Loyalty Additions from year 10; maturity booster at term-end.
- Ideal for young investors seeking protection with growth potential.
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3. Bandhan Life – Centenarian Plan
Lifelong Protection: Coverage extends up to age 100.
Immediate Payout: Income benefits begin within 7 days of policy issuance.
Survivor Benefit: Benefits continue to nominees post death, without further premium from insured.
This plan supports long-term income, legacy, and retirement planning.
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4. Aditya Birla Sun Life – Super Term Plan
Three Options:
- Level Cover: Lump sum/lump + monthly income.
- Increasing Cover: SA increases 5% annually (simple interest).
- Level with Return of Premium: All premiums refunded on survival.
Add-On Options: Terminal illness benefit, critical illness benefit, waiver of premium on disability, accidental death rider.
Life-stage Flexibility: Option to increase SA at key milestones.
Eligibility: Entry age 18–65, term up to 40 years, special discounts for females and salaried customers.
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5. Bajaj Allianz – State-Specific Health Insurance Plans
Regional Tailoring: Premiums and cover designed around state-level healthcare costs and disease patterns across 25 geographies.
Sum Insured Options: Rs. 5 lakh to Rs. 20 lakh, in individual and floater variants.
Festival Benefit: Rs. 1,000/day for 10 days during local festival hospitalizations.
Bonus/Incentive: No-claim bonus, wellness rewards, claim-free year boosts.
Local Branding: Products marketed regionally (e.g., AapKe Liye, Mee Kosam, Apnar Jonyo).
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