Looking for the best term insurance under ₹1 crore in 2025? With rising medical costs, uncertain job markets, and increasing financial responsibilities, a solid term plan is no longer optional—it's essential. A ₹1 crore term life insurance plan provides maximum financial protection at the most affordable rates.
In this guide, we’ll help you:
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Compare the top term insurance plans in India
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Get high cover at the lowest premium
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Understand claim settlement ratios
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Find out how to buy term insurance online in 2025
Why ₹1 Crore Term Insurance is the Smart Choice in 2025
With inflation on the rise, ₹1 crore is the new baseline for term insurance. It helps cover:
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Home loans and EMIs
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Child education & marriage
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Day-to-day living expenses
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Financial independence for your family
Top 5 Best Term Insurance Plans Under ₹1 Crore in 2025
| Insurance Provider | Plan Name | Entry Age | Monthly Premium (30Y Male, Non-Smoker) | Claim Settlement Ratio (2023) |
|---|---|---|---|---|
| LIC of India | Tech-Term Plan | 18-65 Y | ₹780/month | 98.62% |
| HDFC Life | Click 2 Protect Super | 18-65 Y | ₹710/month | 99.39% |
| Max Life | Smart Secure Plus Plan | 18-60 Y | ₹675/month | 99.51% |
| ICICI Prudential | iProtect Smart | 18-65 Y | ₹735/month | 98.59% |
| Tata AIA | Sampoorna Raksha Supreme | 18-65 Y | ₹690/month | 99.01% |
Pro Tip: Always check the IRDAI claim settlement ratio before buying any policy.
Features to Look for in a Term Insurance Plan
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Low premium with high sum assured
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Option to add riders (Critical Illness, Accidental Death)
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Monthly income option for family
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Return of Premium (ROP) on survival (optional)
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100% online purchase with zero paperwork
Who Should Buy ₹1 Crore Term Insurance?
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Salaried professionals with dependents
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Young parents
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Home loan borrowers
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First-time policy buyers in their 20s–30s
Buy Term Insurance Online – 100% Digital Process
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Compare plans on IRDAI-approved platforms (Policybazaar, Coverfox, etc.)
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Enter basic details (age, income, smoking status)
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Choose your ideal sum assured (₹1 crore or more)
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Select the best premium & plan features
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Pay online and get instant policy issuance (in most cases)
FAQs – Term Insurance Under ₹1 Crore in 2025
1. Is ₹1 crore term insurance enough in 2025?
Yes, for most families. If you have large liabilities, consider increasing coverage to ₹1.5–2 crore.
2. Can I buy ₹1 crore term plan without a medical test?
Some insurers offer limited coverage without tests, but for ₹1 crore, a medical exam is usually required.
3. Are tax benefits available?
Yes. Under Section 80C and 10(10D) of the Income Tax Act.
4. Can government employees use Postal Life Insurance for ₹1 crore?
No. PLI coverage is limited to ₹50 lakh. For ₹1 crore or more, opt for private/public term insurers.
Final Verdict: Best ₹1 Crore Term Plans in 2025
For affordability, reliability, and peace of mind, our top picks are:
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Max Life Smart Secure Plus – Best overall value
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HDFC Click 2 Protect Super – Best for customisation
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LIC Tech-Term Plan – Most trusted government-backed plan
Don’t delay. Buy your ₹1 crore term insurance plan today and lock in low premiums while you’re young and healthy.
Start Comparing Plans Now & Secure Your Family’s Future
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