Eligibility and underwriting decide whether you are offered cover and at what price. Here is what to expect.
Entry ages commonly range from 18 to about 65, with maximum maturity age up to 75 or beyond depending on the plan.
Premium depends on age, gender, smoking status, sum assured, term and health. The earlier you start, the lower the premium, which is then fixed for the term.
Insurers typically assess income proof and medical tests for larger covers. Salaried applicants usually need salary slips and bank statements; self-employed need ITRs.
Disclose smoking, alcohol, medical conditions and existing policies accurately. Incorrect disclosure is the most common ground for claim disputes.
Tip. Honest disclosure at the start is the best protection against disputes later. Tell us everything and we will help you present it properly.