Term Insurance and Investment Plans

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Written byLakshey Bahlverification-badge
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Published 12th February 2026
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Reviewed byVaibhav Kumarverification-badge
Last Modified 30th July 2026
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What Is A 5 Crore Term Insurance Plan?

In broad terms, a 5 crore term insurance plan is similar to all term insurance plan policies. A term insurance policy is designed to offer financial assistance to the family members of a policyholder in case of the latter’s untimely demise. So, a 5 crore term insurance plan provides a life cover of Rs. 5 crores, which is commonly known as the death benefit.

For instance, if you purchase 5 cr term insurance for your family, the specified nominee or beneficiary will receive a death benefit worth Rs. 5 crores in the unfortunate event of your death. Therefore, by investing in term insurance of 5 crores, your loved ones will have a safety net to fall back on. Even better, despite offering a large coverage amount, the premium costs for this plan are largely affordable, making it the go-to choice for several policy buyers. 

Also Read Full Blog on: What is term insurance?

How Does 5 Crore Term Insurance Work?

A term insurance plan is the purest form of life insurance and one of the most relevant financial instruments of today. A ₹5 crore term insurance plan works like a standard term policy. You choose the coverage amount, policy tenure, and premium payment option. As long as you pay premiums regularly, the policy remains active. If the life assured passes away during the policy term, the insurer pays the ₹5 crore sum assured to the nominee. The nominee can then use this payout to manage essential financial needs, such as household expenses, loan repayments, education costs, and future financial planning.

However, first, it is crucial to understand how a 5 cr term insurance policy works:

  • A 5 crore term insurance policy offers life coverage for a specified time period or ‘term’ - hence the name term insurance.
  • If the policyholder dies during the term plan’s tenure, the insurance provider is obligated to pay the death benefit to the nominee/beneficiary mentioned in the policy details. For instance, if you have a life cover of Rs. 5 crores and you die while the term plan is in force, your nominee will be eligible to receive the death benefit in accordance with the plan’s terms & conditions.
  • However, to avail of the benefits of the 5 crore term insurance, you will be required to pay a pre-specified premium cost. But the premium amount is calculated based on several factors such as your age, annual income, gender, smoking habits, etc. Additionally, the premium payment can be made monthly, quarterly, bi-annually, or annually, depending on your preference.
  • Although the premium amount doesn’t change throughout the policy’s term, non-payment will result in the 5 cr term insurance being declared as null and void.
  • However, the term insurance 5 crore plan will stop existing if you die during the policy duration. There are no survival/maturity benefits unless you opt for an add-on cover or rider for the same.

So, a 5 crore term insurance policy is an excellent way to safeguard your family’s future and ensure that their financial needs are met even when you’re not around. Additionally, since the premium for 5 cr term insurance is pocket-friendly, it is a worthy investment that won’t take a toll on your finances.


This is how a 5 crore term insurance works and is helpful:



Expense Category Approximate Amount
Home loan repayment ₹80,00,000
Children’s higher education in India or abroad ₹1,00,00,000
Children’s marriage ₹50,00,000
Monthly living expenses for 20 years ₹1,20,00,000
Medical emergency corpus ₹50,00,000
Inflation buffer and reserves ₹50,00,000
Total ₹5,00,00,000

Why Buy 5 Crore Term Insurance?

Although the primary reason to buy 5 crore term insurance is financially securing our loved one’s future, there are a few more reasons worth considering. Let’s take a look:

1. High Coverage at Nominal Premiums

One of the greatest benefits of purchasing a 5 cr term insurance policy is high coverage at nominal premiums. While most people think that the premium for 5 cr term insurance is quite unaffordable, that’s not the case. Instead, you can avail the features of a 5 crore term insurance policy at premiums as economical as Rs. 2,500 (approx.) when you start at an early age

2. Added Coverage Benefits

In addition to the sum assured of Rs. 5 crores, a 5 cr term insurance plan comes with added coverage benefits like add-on covers. For instance, you can increase the plan’s coverage by opting for a terminal illness rider, accidental death benefit*, or waiver of premium rider.

why buy 5 cr term insurance=

3. Financial Assistance

Since Rs. 5 crores are a considerable amount of money, buying the term insurance for 5 crore will ensure that your family’s financial needs and requirements are taken care of even in your absence. Plus, they can use the death benefit to pay off loans, liabilities or use the sum for household expenses.

4. More Room for Investments & Savings

If you buy a 5 crore term insurance policy, it will provide you with long-term coverage at affordable premiums. As a result, with family already financially protected from uncertainties, you can focus on increasing your investments & savings and park your money in other financial tools such as fixed deposits, mutual funds, and ULIPs.

Key Features of 5 Crore Term Insurance Plan

A 5 Crore Term Insurance Plan provides one of the highest levels of financial protection available. This makes it an ideal term plan for individuals with substantial income, large liabilities, or long-term dependents. Understanding its key features can help you make the right decision before choosing a plan that suits your life stage and financial goals.

  • High Coverage Amount: It provides ₹5 crore financial protection in case of demise of the life assured

  • Affordable Premiums: This term insurance plan offers large cover at an affordable premium

  • Flexible Tenure Options: You can choose a policy term that suits your needs as per your income

  • Rider/Add-Ons: You can increase the protection by choosing add-ons/riders at an additional premium.

    • How to Determine the Right Coverage Amount for the Best Term Insurance Plan for 5 Crore?

    While buying the best term insurance plan for 5 crore is the ideal way to make sure your family’s financial requirements are looked after in your absence, it is important to evaluate if the plan is suitable for you. So, here are some factors that can help you determine if investing in a 5 cr term insurance policy is the right choice

    1. Your Annual Income

    The general rule of thumb for buying term insurance dictates that the sum assured of the plan should be at least ten times your annual income. For instance, if your yearly earnings are Rs. 50 lakhs, then your term insurance plan should be worth at least Rs. 5 crores. However, you can also use Axis Max Life’s term insurance calculator as it will make the process much faster and simpler.

    2. Current Age

    While many people don’t realize this, age plays an important role in determining the right coverage amount for term insurance policies. Since older people are more likely to fall sick and develop health conditions, they have to pay a slightly higher premium. Therefore, it is advisableto purchase the best term insurance plan for 5 crore at a younger age so that you can avail cheaper premiums. In addition, it also ensures that your family stays financially secure for a longer period.

    3. Number of Dependents & Their Needs

    If you have family members who are financially dependent on you, it is essential to evaluate if a 5 cr term insurance policy will be sufficient for them. Plus, you need to consider the number of family members who depend on you financially and their future needs such as education, marriage, loans, and more. All in all, you need to make sure that the financial requirements of all your family members, especially the ones dependent on you, are taken care of.

    4. Pending Loans & Liabilities

    When choosing a term insurance policy, you also need to consider any pending loans and liabilities. For instance, if there is a home loan, car loan, education loan, or debt that has to be paid off, you need to factor that into the 5 crore term insurance policy. Hence, purchasing term insurance for 5 crore is a viable option as it offers a higher sum assured compared to other term insurance policies.

    Is ₹5 Crore Term Insurance the Right Choice for You?

    As mentioned above, the right coverage for you depends on your income, financial responsibilities, and long term goals. A 5 crore term insurance plan can be suitable if you have significant liabilities, dependents, or future expenses that require strong financial protection. It is especially useful for individuals who wish to ensure their family can maintain their lifestyle and meet important milestones even if they are no longer around.

    Life Cover That Matches Your Needs

    If your annual income is high or you have major financial responsibilities such as large loans or long term commitments, a higher life cover is necessary. A 5 crore term insurance plan provide adequate funds for your family’s living expenses, liabilities, and future goals after your demise during the policy term.

    Additional Riders for Stronger Protection

    You can add riders that extend coverage beyond basic life protection. Common riders include critical illness cover, accidental death benefit, and waiver of premium. These riders help strengthen your policy and provide broader financial support to your nominee after your demise.

    Fixed Premiums for the Entire Policy Term

    Fixed Premiums for the Entire Policy Term Many term insurance plans offer fixed premium options, which means the premium remains unchanged throughout the policy tenure. Buying early can help lock in lower premiums and ensure long-term affordability while maintaining high coverage.

    The Right Sum Assured Option for You

    Based on a number of key factors that play a major role in helping you decide on the best term insurance plan is choosing the right sum assured to secure your family’s future. The information provided in this section helps you choose the right sum assured option for your term plan. Click on one of the tabs provided below to know more about the sum assured amounts:

    Term Insurance button-icon
    ₹ 50 lakhsStarting from₹16/day%*
    Term Insurance button-icon
    ₹ 75 lakhsStarting from₹24/day%*
    Term Insurance button-icon
    ₹ 1 CroreStarting from₹26/day%*
    Term Insurance button-icon
    ₹ 1.5 CroreStarting from₹38/day%*
    Term Insurance button-icon
    ₹ 2 CroreStarting from₹39/day%*
    Term Insurance button-icon
    ₹ 5 CroreStarting from₹92/day%*
    Disclaimer: %* Standard daily premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09).

    Benefits of Term Insurance Plan for 5 Crore

    In addition to providing comprehensive financial coverage, term insurance for 5 crore is loaded with several other benefits. So, here are some of the most notable features of a 5 cr term insurance policy:

    Economical Premiums

    When buying an insurance plan, one of the first things we worry about is the premium cost. However, the premium for 5 cr term insurance is quite affordable, and it definitely won’t burn a hole through your wallet. Plus, you can take advantage of even lower premiums if you purchase the policy at a younger age, and you can simultaneously focus on other financial investments.

    Tax Benefits#* 

    A notable benefit of purchasing the best term insurance plan for 5 crores is the tax exemption as per Section 10(10D) of the Income Tax Act. According to Section 10(10D), the death benefit of a term insurance plan, including any earned bonuses, is completely exempt from taxes. This feature can save you a considerable sum of money, making it an essential factor to consider.
    #*Tax benefits are subject to changes in tax laws.

    Availability of Add-Ons

    Although a 5-crore term insurance policy offers comprehensive coverage as is, it comes with the added benefit of add-on covers. For instance, you can opt for riders such as waiver of premium variant#, accidental death cover*, and critical illness & disability rider(UIN 104b033V02). While purchasing these riders isn’t necessary, it gives you the option to expand your coverage if needed.

    Online Accessibility

    Today, you can easily buy a 5 crore term insurance plan online, all thanks to the internet. So, you don’t need to visit insurance offices or stand in long queues as you can explore, select, and buy term insurance plans from the comfort of your home.

    Flexible Payout Options

    Even though most insurance companies provide the death benefit of term insurance policies in a lump sum, you have the option to opt for other payout methods as well. For instance, you can choose a lump sum plus monthly income payout if that will help you manage your expenses better. Similarly, you can even go for a monthly income payout as it can act as an income replacement for your family.

    How to Choose the Best Term Insurance Plan for 5 Crore?

    Selecting the best term insurance plan for ₹5 crore requires careful consideration of multiple factors that align with your current financial situation, future goals, and family security. Here are 5 key elements to consider when choosing the right insurance coverage:

    1. Premium Comparison

    Start by comparing premiums across different insurers. Make sure the premiums are affordable and align with your long-term financial plans. Assessing premiums from various providers can help you find the most competitive rate for the life cover you need.

    2. Claim Settlement Ratio (CSR)

    A higher CSR is essential when choosing an insurance company. This ratio indicates the percentage of claims successfully settled by the insurer in one financial year. Opt for companies with a high CSR to ensure a smooth claims process when required. The more efficient the company’s claims settlement process, the better.

    3. Riders and Additional Coverage

    Enhance your base term insurance plan with riders like critical illness, accidental death, and disability coverage. These add-ons provide additional financial protection for your loved ones, covering scenarios that a standard term plan might not include by default.

    4. Age Factor

    The age at which you purchase your term insurance can significantly impact the premium and coverage. The earlier you buy a policy, the more affordable the premiums tend to be. Younger individuals typically pay lower premiums and may qualify for higher coverage at a lower cost.

    5. Financial Dependents

    It is essential to evaluate the number of financial dependents you have and their needs. This assessment will guide you in choosing an appropriate sum assured required to adequately cover their lifestyle and future requirements, such as education or health care, in your absence.

    Eligibility Criteria for 5 Crore Term Insurance in India

    A 5-crore term insurance plan in India is suitable for individuals seeking financial protection for their families even in their absence.

    Although the eligibility criteria to buy a 5 crore term insurance plan depend on the terms and conditions of the insurance provider, check out the common eligibility criteria that the applicants must fulfil:

    • Age: Generally, insurance companies allow people aged 18 to 65 to apply for a term insurance policy of 5 crore. Since the age limit varies across insurance providers, you must check the company's terms and conditions before applying for a term insurance plan.
    • Citizenship: Some insurance providers do not offer term insurance plans to applicants from other countries. Therefore, it is advisable to review the insurance company's terms and conditions before purchasing a 5 crore term insurance policy.
    • Income Criteria: Annual income of the applicant is a factor in determining eligibility to buy term insurance for 5 crore. Applicants should have a stable source of income to ensure that they are eligible to buy the term insurance policy.
    • Health Status: Applicants for a 5-crore term insurance plan should declare their medical history, existing health conditions, and lifestyle habits to ensure comprehensive coverage.
    • Lifestyle Habits: Poor lifestyle behaviour, such as smoking or participating in hazardous activities, may lead to higher premiums or application rejection. Insurance companies assess these factors to determine the coverage and premium. 
    • Occupation Type: Insurance companies analyse the risk of occupations such as army mines or factories to check the eligibility for buying a 5-crore term insurance plan

    Who Should Opt for 5 Crore Term Insurance?

    A 5 Crore Term Insurance plan is ideal for a person with high financial responsibilities like a significant outstanding loan, business liabilities, or a large family dependent on your income. It is also best suited for high-income earners, entrepreneurs, and professionals who want to ensure that their family's lifestyle and long-term financial goals remain unaffected in their absence.

    The following is a breakdown of who should opt for a 5 crore term insurance plan and corresponding benefits for them:

    • If you’re young, healthy, and in the prime of your career, it might be time to invest in a 5 cr term insurance policy. This is essential because the premiums for term insurance are much lower for young adults, making it an affordable option. So, if you’re in your early 20s or 30s, you can consider buying term insurance 5 crore.

    • Even though the term insurance plan for 5 crores can be purchased by people across all age groups, the policy is best suited for those in the 25-40 age bracket.

    • Anyone who is the sole earning member of their family and has financial dependents can consider buying a 5 crore term insurance plan. As discussed earlier, term insurance acts as a financial cushion for your loved ones and ensures their financial requirements are met even in your absence.

    • Since the primary purpose of term insurance policies is to offer financial assistance, individuals with existing loans, liabilities, and debts should think about buying a 5 cr term insurance plan. Doing so will ensure that your loved ones can take care of such looming expenses without them becoming a burden.

    • In order to consider the purchase of 5 crore term insurance, your annual income should be ranging between Rs.30-50 lakhs

    The following is a breakdown of who should opt for a 5 crore term insurance plan and corresponding benefits for them:


    Who Should Buy Benefits of Buying
    Young professionals Lock in low premiums early and secure long term financial protection
    Primary earners Ensures income replacement so dependents remain financially stable
    Parents Safeguards children’s education, lifestyle, and future goals
    Self-employed individuals Provides financial security despite income uncertainty
    NRIs Protects family members in India with a high coverage safety net
    Working women Secures dependents and supports financial independence planning
    Homeowners with large loans Helps repay outstanding housing liabilities without burdening family

    Factors to be Considered Before Buying the Best Term Insurance Plan for 5 Crore

    Choosing a 5 Crore term insurance plan is an important decision that requires careful thinking and planning. Now, before you commit to a policy, evaluate several key factors to ensure the plan you choose truly aligns with your financial goals, family needs, and long-term responsibilities. Here are some major factors to keep in mind before buying the best term insurance plan for 5 crore:

    1. Assessing the Coverage Amount

    Consider all aspects, such as outstanding loans, your family’s living expenses, educational costs, and future healthcare needs. A ₹5 crore coverage is ideal for high-income earners or those with substantial financial commitments.

    2. Choosing the Right Policy Tenure

    The tenure of your term insurance policy should reflect your life stage and financial goals. Opt for a plan that provides coverage until your dependents are financially independent. Typically, a policy term of 20-30 years is recommended for long-term financial security.

    3. Evaluating Premium Affordability

    While a ₹5 crore policy offers substantial protection, ensure that the premiums fit your budget. Calculate the premium and assess your ability to pay it consistently over the premium payment term. Avoid underestimating the importance of affordability, as missing payments could result in policy lapse.

    4. Claim Settlement Ratio of the Insurer

    When choosing an insurance company, always look at its claim settlement ratio. A higher ratio indicates the insurer’s efficiency in processing and paying out claims. This factor is critical for ensuring that your beneficiaries receive quick financial support after your demise.

    5. Exploring Riders for Additional Coverage

    Add riders to your term insurance policy to enhance coverage. Some popular options include critical illness, waiver of premium, and accidental death and disability riders. These riders provide extra protection, ensuring that you or your family are financially secure when required.

    6. Understanding Premium Payment Structure

    Insurance plans offer different premium payment options such as annual, semi-annual, or monthly. Choose a payment mode that aligns with your financial situation. Review the premium frequency and ensure that it matches your income cycle to avoid penalties for missed payments.

    7. Policy Exclusions

    Carefully review the list of exclusions in your policy. Certain causes of death or specific scenarios may not be covered. Knowing these exclusions beforehand will prevent unpleasant surprises when your family needs to file a claim.

    8. Simplified Claims Process

    Opt for an insurance provider that offers a simple and online claims process. The easier it is to file a claim, the quicker your loved ones can receive the death benefit. If possible, know everything about the insurer’s claim process and customer feedback for a smooth experience.

    9. Upgrading Policy Options

    As your needs change, you may want to upgrade or modify your insurance cover. Look for insurance policies that allow flexibility for upgrades or amendments to the terms. This feature is particularly useful if your financial needs evolve over time.

    10. Tax Benefits

    Term insurance policies come with tax-saving benefits under Section 80C (old tax regime only) and 10(10D) of the Income Tax Act, 1961. A rider such as critical illness cover is eligible for a tax deduction u/s 80D. Make sure to check the tax benefit offered by your policy, as these savings can minimize your taxable income while still providing financial protection for your family.

    Things That Impact the Premium of 5 Crore Term Life Insurance

    The premium for a ₹5 crore term insurance plan is calculated based on multiple risk and profile factors assessed by the insurer. These factors determine your risk category, eligibility, and final premium amount. The following are additional details:

    Key Factors Affecting Premium


    • Age: Younger applicants usually pay lower premiums because of lower mortality risk
    • Health Status: Pre-existing illnesses or medical conditions can increase premium rates
    • Lifestyle Habits: Smoking, alcohol use, or risky hobbies may lead to higher premiums
    • Policy Term: Longer coverage duration generally results in higher premiums
    • Occupation Risk: High risk professions may attract premium loading

    Eligibility Related Factors


    • Income Level: Higher coverage like ₹5 crore requires proof of annual income
    • Financial Stability: Insurers assess employment type and income consistency
    • Insurability Assessment: Underwriting evaluates overall risk profile before approval

    Documents That Influence Premium Assessment


    • Medical Reports: Test results help insurers determine health risk category
    • Income Proof: Salary slips, ITR, or bank statements validate coverage eligibility
    • Identity and Age Proof: Confirms applicant details and correct risk classification
    • Existing Policy Details: Current insurance coverage may affect underwriting decision

    Other Considerations


    • Riders Selected: Adding critical illness or accidental death riders increases premium
    • Payment Frequency: Monthly premiums may cost more overall than annual payments
    • Gender and Build: Actuarial risk calculations may vary based on demographic factors

    Tax Benefits on 5 Crore Term Insurance

    A 5-crore term insurance plan offers several tax benefits to the person insured. The premium paid towards a 5 crore term insurance plan is eligible for tax deductions under Section 123 of the Income Tax Act (earlier Section 80C of the Income Tax Act) up to ₹1.5 lakh annually.

    Additionally, the death benefits received from the 5 crore term insurance plan are exempt from taxation under section 10(10D) of the Income Tax Act.

    How to Buy 5 Crore Term Insurance Online?

    Buying a term insurance plan online has never been easier than it is now. Axis Max Life makes the entire process straightforward and hassle-free. This saves time and allows you to compare and customise your plan, and complete everything from the comfort of your home.

    • Visit the Official Website of Axis Max Life Insurance: Head over to the official Axis Max Life Insurance website (https://www.axismaxlife.com) to get started. This helps ensure your personal and payment information remains secure throughout the process.

    • Go to the Term Insurance Section: Navigate to the term insurance section on the website and select 5 Crore Term Insurance. This section lists all available term plans and gives you a clear overview of the plans on offer, helping you understand which one aligns best with your coverage needs and budget.

    • Enter the Required Details: Fill in basic details such as your age, gender, annual income, smoking habits, and coverage requirement. These details help the system generate an accurate premium estimate tailored specifically to your profile and life stage.

    • Select ₹5 Crore Sum Assured, Policy Term, and Riders: Choose ₹5 crore as your desired sum assured and select the policy term based on how long you want the coverage to last. You can also add riders such as critical illness cover or accidental death benefit to enhance the overall protection of your plan.

    • Review the Premium and Proceed: Once you have customised your plan, carefully review the calculated premium and the coverage details before moving forward. This is a good time to cross-check all the information you have entered to avoid any discrepancies later.

    • Complete KYC, Medicals if Required, and Pay Online: Submit the necessary KYC documents such as identity proof and address proof as part of the verification process. Depending on your age and selected sum assured, a medical examination may be required. Once everything is in order, complete the payment online and you shall receive your policy documents digitally post underwriting approval.

    Axis Max Life Smart Total Elite Protection Term Plan

    Axis Max Life Smart Total Elite Protection Term Plan (A non-linked non-participating individual pure risk life insurance plan) or Axis Max Life STEP Term Plan is designed to offer financial protection to your loved ones no matter who you are. Available only to elite policyholders opting for high sum assured, a 5 crore term insurance plan under this policy offers some key benefits that one should keep in mind:

    Cover Continuance Benefit

    This benefit is also known as the ‘Pay Later’ benefit and it enables policyholders with the option to defer their premium payments for 12 consecutive months while the policyholder continues to receive all the benefits of the Axis Max Life STEP Term Plan. Subject to key terms and conditions, the benefit of cover continuance is available after completion of 3 policy years and the policyholder can opt for it multiple times during the policy term.

    Special Exit Value

    This is an in-built feature so policyholders do not have to pay an additional premium to avail it. By availing special exit value benefit existing policyholders can choose to surrender their active Axis Max Life STEP policy to get a refund for the premiums paid till date in addition to underwriting extra premiums plus loadings for modal premiums (if applicable). This option can only be availed if the policy term is 40 years or longer (additional Terms and Conditions applicable).

    Insta-Payment on Claim Intimation

    Under this benefit of the Axis Max Life STEP Term Plan, nominee of the policy to receive an immediate payout of Rs. 2 lakh from the available death benefit payout. This payout will be made within 1 working day on submission of claims form along with applicable mandatory documents like proof of death along with other key documents specified by the Insurer.

    Terminal Illness Coverage

    Terminal Illness Cover is an in-built feature that offers a one-time payment of up to Rs. 1 crore if the policyholder is diagnosed with any terminal illness while the policy is in effect. This payout can be No extra premium is charged to provide this benefit to policyholders.
    The above mentioned benefits of the Axis Max Life Smart Total Elite Protection Term Plan is illustrative and not an exhaustive list. you should read through various policy documentation and prospectus in order to get a better idea of how this 5 crore term insurance plan can fit into your plans for protecting the future finances of your loved ones in spite of your absence.

    Explore Different Online Term Insurance Plans by Axis Max Life

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    Frequently Asked Questions (FAQs)

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    ARN NO: PCP/5CRTI/140824

    Sources:

    https://economictimes.indiatimes.com/wealth/insure/health-insurance/do-you-really-need-family-health-insurance-of-rs-1-crore/articleshow/74707256.cms

    https://www.moneycontrol.com/news/business/personal-finance/how-to-afford-a-rs-1-crore-health-insurance-plan-without-breaking-the-bank-13174235.html

    https://economictimes.indiatimes.com/wealth/insure/do-you-need-rs-1-crore-health-cover/articleshow/57578681.cms

    https://www.financialexpress.com/money/do-you-need-a-health-insurance-cover-of-rs-1-crore-684665/

    https://www.zeebiz.com/personal-finance/news-health-insurance-why-going-for-a-high-insurance-sum-medical-cover-policy-may-not-be-a-bad-option-star-health-policybazaar-bajaj-allianz-digit-general-shriram-general-manipal-cigna-medical-insurance-262681

    https://www.livemint.com/money/personal-finance/health-insurance-do-you-really-need-rs-1-crore-cover-151675858366624.html

    https://nicportal.nic.co.in/nicportal/home/pmain/mcquote

    https://economictimes.indiatimes.com/wealth/insure/health-insurance/how-to-make-a-health-insurance-claim-all-you-need-to-know/articleshow/87754856.cms

    https://economictimes.indiatimes.com/wealth/insure/gst-on-health-and-life-insurance-premiums-reduced-to-zero-see-how-it-will-impact-your-policy-costs/articleshow/123682131.cms

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