When this year I had a monetary problem in the family I had to withdraw part payment, the customer service team told me it will take 7 days but it only took 3 days. This made me really happy that I took this policy.
Mrs. Renuka Shetty
In simple terms, life insurance is a formal arrangement between an insurance company and a policyholder, where the insurer promises to pay a pre-decided amount to specified beneficiaries in case the policyholder meets an unfortunate death. The death compensation is guaranteed by the insurer in lieu of premiums that have to be paid by the policyholder. We at Canara HSBC Oriental Bank of Commerce Life Insurance secure the financial future of your loved ones in case of an unforeseen incident by paying the promised amount through a smooth and hassle-free process.
HOW DOES LIFE INSURANCE POLICY WORKS?
Unit Linked Insurance Plan
8 funds and 4 portfolio strategies to invest
Loyalty additions and wealth booster
Return of Mortality Charge is available on Maturity under all three cover Options
Flexibility of switching between the fund options to take benefits of market movements or change in risk preference
With lakhs of policies sold, we have a customer base of crores of happily insured customers. We are IRDAI registered.
Our Insurance Policies are backed by three major financial institutions - Canara Bank, HSBC and Pujab National Bank
We have a network of 40 branch offices and 20,000+ bank branches of it partners.
We have a competitive 98.12% Individual death claim settlement ratio in FY 2019-2020.
Life insurance provides a high-risk cover that helps you and your family stay protected and lead a stress-free life.
With life insurance, you can live with the assurance that your family will stay financially secured in case something happens to you.
The premiums paid for life insurance are eligible for tax deductions under Section 80C of the Income Tax Act, 1961. The death benefit paid to the nominee is also tax-exempt under Section 10 (10D) of the income tax law.
The riders offered with life insurance provide comprehensive coverage to the policyholder. The accidental death and disability or the spouse cover option offered with Canara HSBC Oriental Bank of Commerce iSelect term life insurance provides all-round protection to your family.
Life insurance is an important financial instrument and whatever your age, it is always a good idea to get insured for the benefit of your loved ones. Also, starting young is the best way to save yourself from paying high premiums. Younger lives pay less for a life cover and critical illnesses or disability covers, compared to older lives.
Advance payment: The policyholder should note that the premium of life insurance policies has to be paid in advance. These advance payment of premiums are done according to the premium payment tenure chosen by the policyholder.
Grace period: The premium payment schedule should be taken very seriously when opting for life insurance. The failure to pay premiums on time can lead to lapsing of the policy. But sometimes, policyholder's are unable to pay the premium on time due to unavoidable circumstances. The insurance company provides a grace period for the payment of the missed premium. Canara HSBC Oriental Life Insurance Company provides a grace period of 30 days (15 days in case of monthly mode) to pay the missed premium and continue with the policy.
| Insurance Plans | Coverage | Best Feature | Plan Recommendations |
|---|---|---|---|
| Term Insurance | Pure risk cover | High sum assured at a low premium | iSelect Star Term Plan |
| Unit Linked Insurance Plan | Life cover with long-term investment | Dual benefit with flexible investment options | Invest 4G Plan |
| Child Insurance | Corpus for your child’s future | Lump-sum and periodic payouts | Smart Junior Plan |
| Retirement Insurance | Corpus for peaceful retirement | Long-term savings for retirement | Invest 4G Plan |
| Health Insurance | Cover for medical emergency | Lump-sum payout in case of claim for covered illness | Health First Plan |
A term insurance is the most basic form of life insurance cover offered for a set tenure. It is a pure risk cover plan that offers high coverage at low premiums. A term plan provides death risk cover, so in case life insured passes away during the term of the policy, the nominee receives the death benefit. Life Insured at inception can opt to receive the death benefit as lump-sum, monthly payouts, or a combination of both. In case the life insured outlives the policy term, there is no payout. However, you can also choose a Term Plan with Return of Premiums (TROP), where insurance company pays back the paid premium amount in case the life insured outlives the policy term period.
Savings plans are comprehensive insurance plans that provide the benefit of a life cover along with an opportunity for you to save some portion of your premium amount, for lump-sum returns. These are medium to long-term plans with flexible investment options. A unit linked insurance plan is one of the best savings plans that offer a combination of insurance and investment. One part of the premium paid towards a ULIP is used as a risk cover (insurance) and the other part is invested in funds. You can choose to invest in different funds depending on your risk appetite. ULIPs offer several benefits like fund switching options, tax benefits, and loyalty additions for wealth generation.
A child insurance plan is a life insurance product designed to help you build a corpus for your child’s future growth. Child plans pay lump-sum amount at the end of the policy term. Besides the lump-sum payout, child insurance plans also have periodic payments which coincide with the crucial milestones of your child’s education such as education, marriage etc. Child insurance is generally customizable with options to add a variety of additional benefits that enhance the plan as per your child’s specific needs. Most of the Child Plans provide annual installments or one time payout after the age of 18 years.
Retirement insurance helps protect your retirement plans. It is a life insurance cum savings plan that helps to build corpus for your retirement, helping you to lead a financially independent life, without any worries. In case of an unfortunate event during the policy term, a payment is payable to the nominee by the insurance company. In retirement plans the vesting benefit is payable if the life assured survives the maturity age. In which case, vesting benefit will be fund value which has to be utilized for buying an annuity. Most retirement plans provide regular instalments or one time payout options after the age of 60 years.
Health insurance is a form of insurance plan that covers an individual's medical and surgical expenses, absolutely or partially depending upon the kind of policy opted for. A health plan is often tailored to one’s unique health necessities. The premium paid towards health insurance qualifies for tax deduction as per Section 80D of the Income Tax Act.
Life Insurance policies come in various forms depending upon the kind of coverage it offers and the life goals they cater to. In order to choose the best life insurance for yourself, you must consider factors like your financial goal, needs of your dependants, and your premium paying capacity, among many others.
Term insurance is the simplest of life insurance policies. It provides the death benefit to the nominee only if the life insured dies. If the life insured survives the policy tenure no maturity benefit is paid and the policy terminates. Due to the linear nature of the benefit, term insurance premiums are not very expensive.
Whole life insurance is a long-duration policy that provides coverage for the entire life. These policies come with a surrender (cash) value component that increases with time. You can surrender the policy to take cash value and can also avail loan based on the policy.
It is a type of protection and savings policy. The benefit is payable to the insured if he/she is living on the maturity date. In case of unfortunate demise of life insured during the policy term, the benefit is paid to the nominee.
Some life insurance policies such as unit-linked insurance policies provide market-linked returns on your investment. These plans are ideal for people who want to accumulate funds for family's future goals along with life insurance cover.
A life insurance plan that provides you with a regular income after retirement. It is a type of savings and investment plan and the corpus generated is invested further to generate regular income.
Canara HSBC Oriental Bank of Commerce Life Insurance makes buying a life insurance policy easy and convenient. Here are the steps you can follow to buy a policy of your choice.
Insurance companies require certain documents when you apply for a life insurance policy. These documents can be directly uploaded onto the website in case of online policy application, or can be submitted to a policy manager in case of offline purchases. Apart from these, you will be needed to fill in information such as personal details, lifestyle related details, health details, etc.
Listed below are the documents that are accepted as valid proofs of income:
Depending upon availability, one of the following documents can be submitted as a proof of identity:
The following includes the documents accepted as valid proofs of address:
Here’s a comprehensive list of documents that you will require to produce as a proof of age:
Life insurance is an important financial instrument and whatever your age, it is always a good idea to get insured for the benefit of your loved ones. Also, starting young is the best way to save yourself from paying high premiums. Younger lives pay less for a life cover and critical illnesses or disability covers, compared to older lives.
The need to buy a life insurance depends upon a number of factors. It majorly depends upon your goals and what stage of life you are in. The main objective of any life insurance is to secure the family’s future financial needs. It includes secondary benefits too like tax benefits and investment. Mentioned below, is a list of people who may need to buy a life insurance –
Hence, keep these above-mentioned pointers in mind as this will help you decide whether buying a life insurance policy at your current stage is required or not.
Typically, any individual between the ages of 18 to 65 years can purchase a life insurance policy in India. However, in some cases, it may depend on the kind of insurance policy.
Smokers can avail life insurance but often with higher rates of premium. It is advised that you disclose about your smoking habit at the time of buying the policy, to ensure you do not risk rejection of claim later.
Yes, people with disability are eligible to apply for insurance policies. An insurance policy for disabled needs the following details:
1. Customers should declare their disabilities duly in detail
2. They may be requested to submit a report from a doctor
3. Information related to any of your tests or recent visits to the doctor
Yes, individuals with a pre-existing health condition can buy a life insurance. It is important that they inform the insurance company about the illness at the time of purchase of the policy, to avoid the risk of claim rejection at a later stage.
Life insurance is an important financial instrument and whatever your age, it is always a good idea to get insured for the benefit of your loved ones. Also, starting young is the best way to save yourself from paying high premiums. Younger lives pay less for a life cover and critical illnesses or disability covers, compared to older lives.
Twenties are the best time to invest in a comprehensive life insurance policy because you get several benefits such as, lower premiums, a bigger corpus, and of course, an early habit of saving. At this age, there is also a greater room for experiment with higher risk investments that can yield higher benefits. Some of the best insurance options include ULIPs and Term Plans.
Most people start planning or have a family of their own by the time they enter their thirties. They experience major life transitions and financial security of their family and the futures of their children gain more importance. Life insurance must be now a part of your financial planning. One can opt for several insurance options like plain term plan, ULIPs and child plans.
Forties is the time when life insurance becomes inevitable because this is when most people’s income contributes to their family’s income. There are responsibilities and dependents, medical expenses, and children’s education to take care of. Simple term plans or debt-oriented funds for insurance-cum-investment products work best. Plus, a retirement plan should be considered.
Isn’t it too late to get insured? Well, no. Many individuals may have outstanding debts and mortgage. Hence securing the mortgage is vital to ensure that the family gets to retain the assets even in absence of the life assured. Since, most people have settled and have large daily expenses to meet by now, one must start saving and building funds for a peaceful retirement.
It is never too late to start something new. Despite high premiums, getting insured in your sixties can be great for financially securing your loved ones, paying off outstanding loans or making up for lost income. It makes sense to opt for annuity plans and instruments that help in estate planning and wealth creation, to help ensure the well-being of your loved ones.
Insurance plays a very important role in securing the financial future of your family. And when it comes to the security of your family, you must not compromise. So, once you have decided to buy a policy, the next step is to find the best insurance policy provider. Here is a list of things that you need to consider when on the hunt to find the perfect life insurance provider:
The first thing you need to do before choosing an insurance company is to compare. You must first compare the plans offered by the insurance companies and then choose the one befitting your insurance needs.
Always look for an insurance company with good claim settlement ratio. Also, you must understand the company’s claim settlement process so as to avoid any confusion in the future.
It’s advisable to look for a reputed insurance company with good claim settlement ratio and customer-friendly approach.
This is yet another factor that one must consider before selecting an insurance company. You must take note of the insurance companies’ attitude towards the potential customers. Always make sure that the customer support team is supportive and is ready to help you whenever it is required. All these things will help you make a wise choice.
It makes sense to look out for the online reviews, testimonials, or complaints to find out about the insurance company. This will help you understand the problems faced by the customers and how insurance company deals with it. If you find ample of complaints of the same nature against the insurance company, then you must not ignore it. As this will give you a proper idea about which company you need to consider and which you do not.
With so many insurance providers in the market today, choosing the most reliable and best insurance company can be a daunting task. Thus, follow the above-mentioned pointers as this will help you choose the best insurer for a plan that meets your financial needs.
It is the contractual document between the insurer and the policyholder that contains all the terms and conditions related to the specific life insurance plan. The policy document generally outlines the sum assured, the policy number, the premium amount and the name of beneficiaries.
It is the amount that is promised by the insurer and is paid to the beneficiary in the event of life insured's death. Many people get confused between the sum assured and the maturity amount. The sum assured is paid if the policyholder dies during the policy term, whereas the maturity amount is paid back when the policy term ends and the life insured is alive.
It is the amount that has to be paid to the insurance company to maintain the insurance cover and allied services. It is a fixed amount that has to be paid annually, but can also be paid half-yearly, quarterly or monthly in some cases. Life insurance premiums vary across products. Term life insurance plans have lower premiums while policies with savings component have higher premiums.
A life insurance policy requires the policyholder to pay the premiums for a specified duration. The duration is known as the premium payment term. The premium payment term can be one time (single pay) or limited duration (less than policy term) or for regular duration (equal to policy term).
Nominee is the person who receives the amount promised by the insurance company in the event of the life insured's death. The nominee, also known as the beneficiary, is generally parents, wife or children of the life insured.
Some life insurance policies offer enhanced coverage which has to be opted by the policyholder which are called riders. Riders have to be activated by paying an extra premium.
Canara HSBC Oriental Bank of Commerce Life Insurance boasts of a healthy and competitive death claim settlement ratio of 98.12% for the year 2019-20. Also, with a seamless claim settlement process, our Life Insurance policy is a promise to your loved ones that their financial needs will be taken care of in your absence.
Consider a hypothetical situation. Rohan, a management executive, loses his life in an unfortunate accident. He had prepared for the eventuality and bought a term plan with a cover of ₹50 lakh nine years before his death. His spouse, however, gets the shock of her life, when the insurance company rejects her claim. If your claim is rejected, would it not defeat the purpose of buying term insurance?
To protect your family from financial and emotional strain, take into account the claim settlement ratio before investing. The claim settlement ratio is the proportion of claims accepted versus the total number of claims filed in a year. With a claim settlement ratio of 98.12% , you can rest assured that Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited will not let your loved ones down.
Canara HSBC Oriental Bank of Commerce Life Insurance Company promises a quick 1 day claim approval. With the ‘InstaPromise’ service initiative, we intend to provide approval of claims of up to 1 Crore amount within 1 day of the claim. To avail, one needs to submit their claim request, along with the mandatory/ required documents, at any branch or our head office and get the claims approved within a day.
The service has a few conditions, listed below:
When this year I had a monetary problem in the family I had to withdraw part payment, the customer service team told me it will take 7 days but it only took 3 days. This made me really happy that I took this policy.
Promise is all about faith. My family has faith in me. Similarly, I have faith that Canara HSBC Oriental Bank of Commerce Life Insurance will help me protect my family even in my absence.
A promise is a thing of faith. With Canara HSBC Oriental Bank of Commerce Life Insurance, we are confident that we will be able to keep our promises to each other.
With Canara HSBC Oriental Bank of Commerce Life Insurance, I will not only meet the financial requirements for my daughter’s wedding but also for various other life goals.
A promise has to be fulfilled. We had promised our son to send him abroad for education. We sent him there and fulfilled our promise. He also returned to India after completing his education as he had promised. Canara HSBC Oriental Bank of Commerce Life Insurance helped us fulfill our promise with Child Future Plan.
The customer service staff always gives a quick response. Usually, we get a personal message within 5-10 minutes of the query. Also, Canara HSBC Oriental Bank of Commerce Life Insurance has done systematic management of investments, which helps our money to grow.
Keeping my promises is a priority for me. Canara HSBC Oriental Bank of Commerce Life Insurance has ensured that my second innings will be as beautiful as my first.
The first question to ask before buying a policy is what amount of insurance is needed to financially take care of your family in your absence. As a thumb rule, the insurance cover should at least be 10-12 times of your annual salary. You should also consider the rise in expenses with time before finalising the policy.
It is mandatory to pay premiums in time for the policy to be functional. Having a premium that is payable without comprising with other commitments is important. Therefore, always calculate the premiums that you will have to pay before buying a life insurance policy. The better way of calculating your premiums is to use the premium calculator available on www.canarahsbclife.com.
Even though it is compulsory to pay the premiums on time, sometimes due to unavoidable circumstances, people miss their premiums. You should read the terms and conditions thoroughly or ask your agent what will happen in case you miss premium payments. Generally, insurers provide a grace period of up to 30 days (15 days in case of monthly mode) for the payment of the missed premium, but it is always better to have advance knowledge of the situation.
The needs of every family are different. A uniform policy may not be suitable for everyone. Take into consideration the benefits offered with a policy while buying it. Life insurance plans come with optional critical illness cover, accidental death cover and disability cover.
The quantum of death benefit varies from person to person depending on the lifestyle and income. As the generic formula for calculating life insurance cover is to subtract financial obligations like expenses and debt from resources such as liquid assets and income. The life insurance cover should be equal to the difference. Another rule states that people should have a life cover equal to 10-12 times of the annual income. You can also calculate the life insurance amount through the life cover calculator available on www.canarahsbclife.com.
Different life insurance plans have different quantum of payments. The maximum cover largely depends on the policyholder. If you are able to pay the premiums for a large cover, the insurer will issue the policy. For instance, the Canara HSBC Oriental Bank of Commerce iSelect term plan has a minimum sum assured of Rs 25 lakhs, but the maximum sum assured depends on the life insured.
Life insurance can either be bought through banks and branches of the insurer or directly online. Buying a policy online is very easy and hassle-free. You can simply visit www.canarahsbclife.com and opt for an online policy. The entire process from form submission to payment can be completed online.
The standard life insurance policy requires you pay the premiums on an annual basis but Canara HSBC Oriental Bank of Commerce Life Insurance provides you ample flexibility in the premium payment schedule. The premiums for the Invest 4G ULIP can be paid on an annual, half-yearly, quarterly or monthly basis, while the iSelect term plan has yearly and monthly payment options.
The premium is one of the most important factors to consider before buying a policy. Many people buy a life insurance policy with a high sum assured but are unable to process the premiums for the entire premium payment tenure. You can get a better idea of the premium outgo with the premium calculator available in the 'Tools and Calculator' section of www.canarahsbclife.com.
Life insurance plans come with several riders which increase the efficiency of the policy for the buyer. For instance, if you have a history of terminal illness in your family it would be advisable to opt for terminal illness rider with your term insurance. Riders or add-ons help in customising the standard policy benefits for the requirement of different families. The iSelect term insurance plan comes with a built-in cover for terminal illness, and option for protection against accidental death or disability. You can also opt to cover your spouse's life under the same policy by paying an additional premium.
Insurance companies calculate the premiums based on several factors such as age, gender and occupation.
Age:It is one of the biggest factors that influence life insurance premiums. Premiums tend to be low when the life insured is younger as the chances of contracting diseases is low. Young people also opt for policies with longer tenures and pay premiums for a longer duration, which makes the policy cheaper for young people.
Gender:The insurance premium for women is generally lower when it comes to life insurance plans. Women live longer and pose a lesser risk of a claim leading to lower premiums for them.
Lifestyle habits:The premiums for people who smoke or drink is always higher due to higher health risks.
Policy term:Policy terms are also taken into consideration by insurers while deciding the premium amount. Policies with longer tenure are cheaper as compared to short-duration policies.
Mode of purchase: The platform that you use to buy the policy also determines how much you will have to pay for the plan. People who buy life insurance policies online have to pay lower premiums as compared to offline policies.
Occupation:The nature of your work is an important factor that influences the premium amount. Certain occupations like shipping and mining are considered more dangerous as compared to jobs in services industries. The insurance premium rises with the risk profile.
Processing life insurance claim is a transparent and smooth process with Canara HSBC Oriental Bank of Commerce Life Insurance.
In case of the death of the life insured, the nominee will have to intimate the company by filling a Death Claim Form and sending it to the nearest branch office.
Once the form is received, the claim is registered by the insurer.
After the registration of the claim, the company will send the claims pack along with the related forms such as physicianâ s statement form and employer certificate that need to be filled.
Along with the duly filled forms a few documents such as original [policy document, death certificate, copy of bank passbook, hospital or treatment records, photo identification and address proof have to be provided.
The claim is processed on the submission of relevant documents. Once the documents are verified, the claim amount is released post all due diligence.
Household expenses rise with age. The cost of children's education increases along with other lifestyle expenses. The iSelect term plan offers an option to increase the cover according to the life stage. If opted, the insurance cover increases by 25% at every 5-year terminal till the 20th policy year.
Even though a life insurance policy is bought to protect your family in your absence. There are chances of the claim being rejected due to several factors.
False information: If the policyholder provides false information or conceals important information while buying the policy, the insurer has the right to reject the claim after his/her death.
Type of death: Deaths due to suicide in first policy year, intoxication or pre-existing disease is not covered under life insurance.
Premium payment: The payment of premiums on time is of utmost important to avail the benefits of life insurance. Life insurance policy may lapse on the failure to pay the premiums
Nominee details: An insurance company can put the claim on hold if the nominee details have not been filled or not been updated by the policyholder.
Suicide: If the life insured commits suicide within 12 months of buying the policy, the insurance companies generally pay 80% of the total premiums paid.
Buying life insurance online is not only safe but a better option. Online life insurance policies have lower premiums and the individual is not required to visit the insurer's branch or a bank. Online insurance policies also offer higher benefits. Customers should, however, buy online policies only from credible insurers and should check for SSL certificate on the website to ensure that the website is legitimate.
The cost of life insurance policies varies depending on factors like age, gender and occupation. The average cost of life insurance plans, especially term plans, is very low compared to the amount of coverage offered.
An individual is allowed to have multiple life insurance policies. People opt for more than one policy to increase the cover or avoid claim rejection. In case of multiple policies, even if the claim is rejected by one insurer, the beneficiaries may receive the benefit from a different insurer.
Life insurance policies are of different types. In the case of unit-linked or endowment policies the policyholder receives the maturity benefit at the end of the policy term. However, in the case of term insurance plans, there are no maturity benefits. The death benefit is only paid out after the death of the life insured.
When you buy life insurance, the insurance company asks for the nominee details. Only the person named as the nominee in the policy can cash out a life insurance policy in case of death of life insured.
A life insurance policy is generally taken for a specified period. After the policy duration of a term plan gets over, the policy simply terminates and ceases to exist. However, in the case of unit-linked plans or endowment, you can use the policy as a tool for retirement planning and the accumulated corpus is used by the insurer to pay you monthly amounts for your entire life.
If a policyholder purchases a term plan for 25 years and dies during the policy term. The family receives the death benefit. In the case of iSelect term plan, the policy provides four payment options to the beneficiaries. If the regular payment options are chosen the policy works as a source of regular income.
It is a popular misconception that life insurance is only for accidental deaths. A term life insurance plan like iSelect also covers terminal disease along with death. A terminal illness cover is important as health insurance pays only for the cost of treatment and hospitalization, but a terminal illness cover pays you a lump-sum amount which takes care of other expenses. On the other hand, unit-linked policies such as Invest 4G cover death and also provide decent returns for other financial goals such as buying a house of child's education.
It is ideal to buy life insurance in your early 20s because it’s is the time when people have just started with their professional life and so there are lesser responsibilities and financial liabilities to take care of. Also, if you buy life insurance at this age, you will be paying relatively lower insurance premiums since it’s a due fact that mortality rate in case of young people is low. And that is why insurance companies offer lesser premium rates to younger people as they think that they are most likely to be fit and healthier with less chances of filing a claim in future.
Once you have cancelled your life insurance policy, you will instantly lose your life insurance cover. Afterwards, your insurance company will get in touch with you and ask for valid reasons regarding the cancellation of your policy. In case you cancel your life insurance policy within the grace period, i.e. 15 to 30 days, depending on your insurer, then insurance company will reimburse the premium amount paid by you. But, no refunds will be paid to you if the policy is cancelled after the grace period.
Yes, you can take life insurance under Married Women’s Property (MWP) Act, 1984 only if you are a married man and a resident of India. Buying a life insurance plan under MWP Act would be helpful in saving your family’s financial well-being when you are not around. As per this policy, only wife and children would be eligible to receive the death benefits. You can also buy a policy if you are a widower or a divorcee. However, in that case, you can give your child’s name as your beneficiary. It is very simple to buy a life plan under MWP Act. All you need to do is to fill up an MWP addendum while purchasing an insurance policy.
Yes, there are different payment options for you to pay premiums. Here’re some of them
1. Regular premium payment option – This premium payment option allows you to pay premiums equal to your policy term either monthly, quarterly, half yearly or annually.
2. Single payment option – Through this premium payment option, you can pay the lump-sum amount in one single payment.
3. Limited payment option -In this premium payment option, you can pay premiums for a specific period of time less than policy term either monthly, quarterly, half yearly or annually, but benefits of insurance can be enjoyed for a longer period of time.
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