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DHFL Pramerica Term Insurance

 4.0 / 5.0   by 18 users
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Plan Benefits

Payment Options

Policy Coverage

Customer Service

DHFL Pramerica provides a host of life insurance policies suited to a policyholder’s protected cum savings plan needs.

Types of DHFL Pramerica Term Plans:

The different policies under DHFL Pramerica Term Plans are mentioned below:

  1. DHFL Pramerica Family Income
  2. DHFL Pramerica Family First
  3. DHFL Pramerica U Protect

DHFL Pramerica Family Income

DHFL Pramerica Family Income plan is a non-participating decreasing Term Plan that helps take care of the policyholder’s family’s financial requirements in his absence. The benefits are in the form of monthly payouts.

Parameters

Minimum

Maximum

Entry Age

18 years

55 years

Policy Term

5 years

30 years

Benefit Expiry Age

-

65 years

Monthly Benefit

Rs 2000

No limit

Premium

Depends on the monthly income selected subject to the minimum of Rs 1,000 p.a. (for annual,semi-annual & quarterly modes)

Rs 1,200 p.a for monthly mode

No limit

Premium Payment

Option

Regular Pay

Premium Payment

Modes

Annual/Semi-annual/Quarterly/Monthly

DHFL Pramerica Family First

DHFL Pramerica Family First protection plan is a monthly benefit term insurance plan designed to protect the policyholder’s family during the financial gaps in their lives, post the absence of the life insured.

Parameters

Minimum

Maximum

Entry Age

18 years

50 years

Policy Term

10 years

30 years

Benefit Expiry Age

-

65 years

Monthly Benefit

Rs 4000

No limit

Premium

Rs 2000 for Annual, Semi Annual & Quarterly

modes and for monthly mode the annual

premium is Rs 2400

No limit

Premium Payment

Option

Regular Pay

Premium Payment

Modes

Annual/Semi-annual/Quarterly/Monthly

DHFL Pramerica U-Protect

DHFL Pramerica U-Protect is a term insurance plan that is designed to ensure that the policyholder’s family is financially secure, even after his death.

Parameters

Minimum

Maximum

Entry Age

18 years

55 years

Policy Term

10 years

30 years

Benefit Expiry Age

-

65 years

Premium

Rs 4000

No limit

Sum assured

Rs 25,00,000

No limit

Premium Payment

Option

Regular Pay

Premium Payment

Modes

Yearly, Half Yearly

Key Features of DHFL Pramerica Term Plans:

  • Comprehensive insurance protection plan at nominal cost.
  • Attractive premium rates for male and female lives
  • Enhanced cover with optional Accidental Death Benefit Rider and Critical Illness Rider
  • Tax benefits as applicable.
  • Lump Sum Benefit equal to 20 times the monthly benefit income chosen.

Example of DHFL Pramerica Term Plan

Mr. Shyam, a non-smoker, aged 35 buys Pramerica Term Plan for a sum Assured of Rs. 50,00,000 for a policy term of 20 Years, on an annual mode. He pays a premium of Rs 7,750. On his accidental death, his family received the entire sum assured.

DHFL Pramerica Term Plans FAQs:

  1. Q. How much Life Insurance do I need?

    A. The need for Life Insurance is based on various factors including your current lifestyle, expected outflows in future, your present age and family size.

  2. Q. Can I change my nomination?

    A. Yes. You can change your nomination at any time during the policy tenure till the maturity date.

  3. Q. What details I have to provide about the nominee/s?

    A. The following details are necessary when filling in the proposal form:

    • Full name of the nominee
    • Address
    • Age
    • Relationship between you and the nominee
  4. Q. I am serving in the armed forces, can I buy this plan? What are the exclusions for the same?

    A. Yes. You can buy this plan. There are NO exclusions apart from the exclusions in terms of suicidal death.

  5. Q. When does the risk cover for the policy start?

    A. The risk cover starts as soon as the policy period begins.

  6. Q. How does the DHFL Pramerica Term Plan work?

    A.Choose any of the plans and monthly income benefit that you would like your family to receive every month.

    • Choose the tenure of the plan.
    • Choose any or both the optional riders if you wish to.
    • Work out the premium payable.
    • Once the cover period begins, the benefits would be paid in case of eventualities.

This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

DHFL Pramerica Term Insurance Reviews

Page 1 of 1
  • DHFL Pramerica Life Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have take life insurance from DHFL life insurance which has good returns , This coverage also covers accidental and critical illness coverage . I make the payment yearly through online This policy coverage is for life time had to renew yearly . I used to get income tax benefits. Their customer service explained well about the policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Aug 22, 2018
  • DHFL Pramerica Life Insurance
    "Good policy to use"
    0.5 5.0/5 "Blown Away!"
    I hold life insurance policy with DHFL PRAMERICA LIFE INSURANCE from last 4 years, this policy has to be renewed every year in order to continue. I pay a premium of Rs 35000 on annual basis through online and i am also convenient with the payment options which they are giving. The customer service and their response is good. I am also satisfied with the coverage and benefits of this policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 14, 2017
  • DHFL Pramerica Life Insurance
    "RAJESH SEHGAL"
    0.5 0.5/5 "Unacceptable"
    I have taken DHFL-Dhan Suraksha Plan with an anuual premium of Rs.30000. After paying premium for a tenure of 7 years (Rs.210,000) my surrender value is Rs.120,000/- only and there is also not a good return if I will pay for 15 years of policy. Its a big disappointment and fake commitment given by DHFL.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jul 04, 2017
  • DHFL Pramerica Life Insurance
    "Nice"
    0.5 4.0/5 "Great!"
    I took the life insurance policy with the DHFL pramerica and the premium is around 26000 Rupees per annum and I got it as add-on while I got the loan. Services with them is good and I have not much concerned with them. Premium payment is good and its the single shot payment, also I have not experienced with them much till now.
    Was this review helpful? 0
    , lucknow
    Reviewed on Apr 15, 2017
  • DHFL Pramerica Life Insurance
    "Make it better"
    0.5 4.0/5 "Great!"
    I am having life insurance policy with the DHFL pramerica and the premium is around 1 lakh Rupees per annum and the tenure is around eighteen years of time and after that I will get around 18 lakh Rupees as the tenure for around ten years of time as payment period, also for the coverage of 50 lakh Rupees.
    Was this review helpful? 0
    , bangalore
    Reviewed on Apr 13, 2017
  • DHFL Pramerica Life Insurance
    "Good policy!"
    0.5 5.0/5 "Blown Away!"
    I have taken a term policy with DHFL Pramerica. Premium payment is getting deducted from my account on monthly basis through ECS manner. Before 6 months, I have started this policy and this is only for the risk factor. I am really satisfied in signing a policy with them.
    Was this review helpful? 1
    , pune
    Reviewed on Jun 04, 2016
  • DHFL Pramerica Life Insurance
    "good it is.."
    0.5 4.0/5 "Great!"
    As along with the home loan this life insurance been provided to me. I availed loan amount of 22 lakhs and the plan will give good benefits. At any time I can close the plan at DHFL Pramerica Life insurance and settle the amount for the loan. Premium is 20thousand per annum.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 30, 2016
  • DHFL Pramerica Life Insurance
    "DHFL Practicing Fraud insurace Policy "
    0.5 1.0/5 "Really Bad"
    Dear Sir, greeting for the day!! One of agents has told you will get Rs3,00,000 loan by doing the policy. So, i proceed to make policy and I received the policy bond also. I found the is was not give which was told to me. and my signature was duplicate. and I informed the customer care when they called me for confirmation. Then i was following with agent for the above & loan (reference number is PB1698DF) The lead was Preeti, Deepak, & they called from below numbers +91 9311738861;+91 9312612331;+91 9312625310; whats up no 9560778228. Till today no response.. This is not mistake of agent , But it is total mistake of DHFL who keep such agents for make money. If we ask you will tell IRDA rules. It is 100% mistake of DHFL ........DHFL Practicing Fraud insurace Policy
    Was this review helpful? 3
    , bangalore
    Reviewed on Jan 11, 2016
  • DHFL Pramerica Life Insurance
    "Great "
    0.5 4.0/5 "Great!"
    DHFL pramerica life insurance is the one which will have the tenure of 11 years of time. I am paying around 11000 Rupees as the premium per year of time and I been with them from the last three years of time. The services are quite good with them.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Jan 11, 2016
  • DHFL Pramerica Life Insurance
    "Recommendable..."
    0.5 4.5/5 "Excellent!"
    I have taken life insurance from DHFL. It covers the over all housing cast. Other than no benefit. But my suggestion is, I recommend the people to go with DHFL. Policy coverage is for 10 lakhs. I used to make the premium amount which is 30k per annual.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 19, 2015
  • DHFL Pramerica Life Insurance
    "Not Trustworthy"
    0.5 3.0/5 "Satisfactory"
    DHFL Pramerica life insurance has not informed me the right information on the plan benefits. To improve the sales. They have given me the wrong information. It is a life time policy. The tenure is for 15 years. The premium is paid on a half yearly basis. The payments can be done online.
    Was this review helpful? 0
    , ranchi
    Reviewed on Sep 30, 2015
  • DHFL Pramerica Life Insurance
    "Never recommend..."
    0.5 2.0/5 "Expected more"
    It is a traditional plan that offered along with my home loan. For 17 years of tenure I need to pay the premium and the maturity amount would be ten times of the premium amount. As this life insurance covers whole life and risk factors are also covered. I never recommend DHFL Pramerica life insurance.
    Was this review helpful? 0
    , ludhiana
    Reviewed on Sep 29, 2015
  • DHFL Pramerica Life Insurance
    "Excellent and Swift"
    0.5 5.0/5 "Blown Away!"
    The Bank Bazaar team helped me to select the right bank with lowest interest rates. Their Customer Service is so much brilliant and swift. Their website has taken care of everything and it is very help full to a common man. Thanks to Bank Bazaar that today I am having a house of my own.
    Was this review helpful? 0
    , kolkata
    Reviewed on Sep 13, 2015
  • DHFL Pramerica Life Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken my Life Insurance policy from DHFL PRAMERICA LIFE INSURANCE which is of twenty years. I just completed three years now, the major benefit on this policy is like gives an life coverage. After completion of 58 years I will be getting some benefits on this policy. Per year I am making my premium of 12k.
    Was this review helpful? 1
    , kolkata
    Reviewed on Sep 10, 2015
  • DHFL Pramerica Life Insurance
    "Not happy about services...."
    0.5 2.5/5 "Just OK"
    When I missed a payment there were lots of deductions and charges. I am just planning to withdraw the deposited amount on life insurance with DHFL Pramerica life insurance. I was informed that there would be no lockin period to close the plan but now they are saying that only they can give 50% of the invested amount. Branches are very less as they donâ??t have network in all the places.
    Was this review helpful? 1
    , bangalore
    Reviewed on Sep 07, 2015
  • DHFL Pramerica Life Insurance
    "Customer service has to be improved!!"
    0.5 3.0/5 "Satisfactory"
    The term policy taken from DHFL Life insurnace, the coverage is for 30 years. Incase of any issues my nominee will get a sum assured.The premium is paid every half yearly through online or the agent will come to collect the payment. The customer service is average is because when I submitted the cheque I still did not receive any receipts. The local team has to be improved.
    Was this review helpful? 0
    , thane
    Reviewed on Jul 14, 2015
  • DHFL Pramerica Life Insurance
    "Satisfied!!!"
    0.5 3.0/5 "Satisfactory"
    I have opted for annual premium and life insurance with DHFL Pramerica is good where they are providing death coverage. Coverage would be like of 75% but not very sure. DHFL is offering tax benefit. Employees should be in touch with the customer frequently because they are not contacting customers once the policy get opened.
    Was this review helpful? 2
    , mumbai
    Reviewed on Apr 17, 2015
  • DHFL Pramerica Life Insurance
    "Excellent customer service!!!!!!!!"
    0.5 5.0/5 "Blown Away!"
    DHFL PRAMERICA LIFE INSURANCE provided the insurance policies also. Initially I was unaware that they will provide insurances. However they do. Its an yearly premium policy where I will able to pay easily . Branch was near to my home so no hassle in payment . Overall they are good. The best part was they are providing quick response for all customers
    Was this review helpful? 8
    , bangalore
    Reviewed on Oct 02, 2014
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