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Coverage in Life Insurance

A life insurance policy provides coverage from the uncertainties of life such as an unexpected demise of the life assured during the policy tenure. In case of an unpredicted demise of the life assured during the policy tenure, the family of the life assured will receive a death benefit. Under life insurance the coverage refers to the amount of risk cover that will be provided by the life insurance company to the life assured.

1 Crore Life Cover starting from just ₹16/Day*
1 Crore Life Cover starting from just ₹16/Day*
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    Tax Benefit
    Up to 1,50,000**
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    Claim Support
    Everyday 10AM-7PM
  • 45 Lacs+
    45 Lacs+
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**Tax benefits are subject to changes in Income Tax Act.

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What Does Coverage Mean In Life Insurance?

Under life insurance coverage refers to the amount of risk cover that is provided to the life assured by the insurance company. Life insurance is a contract between an individual and life insurance company under which the former promises to provide life cover to the individual in exchange for regular premium payment. Under a life insurance policy the coverage amount is chosen by the policyholder and the coverage amount i.e. sum assured determines the amount of premium to be paid periodically by the life assured.

Life insurance policy provides coverage against the uncertainities of life which includes an untimely demise of the life assured during the policy tenure. In case of an unforeseen demise of the life assured during the policy term, a death benefit is provided to the family of the life assured.

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Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

What Does Life Insurance Cover?

Life insurance policy covers death of the life assured due to natural causes and medical conditions. Additionally, life insurance policy also provides financial protection to the family of the life assured in case of life assured’s untimely demise due to an illness or accident. There are several riders that help an individual get specific coverage from specific situations such as coverage for critical illness, accidental death or accidental total and permanent disability.

What Does Life Insurance Not Cover?

Below mentioned are some aspects which are not covered under a life insurance policy:

  • Suicide of the life assured
  • Death under the influence of alcohol and drugs
  • Death on account of participation in any dangerous activities
  • Death from pre-existing medical conditions
  • Death due to undisclosed medical condition or personal habit
  • Death caused during an terrorist act.

Life Insurance Companies User Reviews

What users are saying
  • A Must-buy Plan

    I decided to buy family insurance from InsuranceDekho, and choosing the LIC Bima Jyoti Plan for my family\'s safety was a no-brainer. Their process was smooth, making it easy for me to understand and secure our future without hassle.

    By Kritik Luthra
    On: May 28, 2024
  • 24/7 service

    The Customer Service team at InsuranceDekho was always there to help me any day of the week. I bought the LIC Jeevan Umang Plan last month, and whenever I reached out to them, they quickly solved my problems, making the process easier for me.

    By Nandini Lamba
    On: May 28, 2024
  • Timely claim settlement

    When I made a claim for the LIC Jeevan Anand Plan on InsuranceDekho, it was settled without any hassle. I only had to give them some documents, and after that, my claim was taken care of with full assistance from their teammate Akansha, who was very helpful. 

    By Sonali Singh
    On: May 28, 2024
  • Smooth Process

    I recently bought Term insurance from InsuranceDekho and opted for Tata AIA Sampoorna Raksha Supreme Plan to ensure my family's future. The process was smooth, and their customer service team was really helpful in answering all of my questions. 

    By Yuki Goyal
    On: May 28, 2024
  • Exceptional Team Support

    I recently had an outstanding experience with InsuranceDekho's support team regarding my LIC life insurance policy. Their exceptional dedication to customer satisfaction reaffirmed my confidence in both InsuranceDekho and LIC life insurance.

    By Vishesh Arora
    On: March 11, 2024

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