1. LIC Tech Term Plan (Life Insurance)
Best for: Affordable life coverage with no middlemen
Why it stands out:
LIC’s Tech Term is a pure term insurance plan that offers high life coverage at relatively low premiums. The online-only nature reduces commissions, making it cost-effective. With flexible payout options and additional riders, it’s ideal for digitally savvy individuals.
Highlights:
- Coverage up to ₹1 crore and beyond
- Optional accidental death rider
- Premium waiver benefits
2. Tata AIA Life Insurance Sampoorna Raksha Supreme (Life + Investment)
Best for: Those looking for a life cover with wealth-building potential
Why it stands out:
This is a comprehensive plan that combines life protection with savings benefits. It offers a range of options including return of premium, whole life coverage up to age 100, and market-linked returns via investment options.
Highlights:
- Flexibility to choose benefit options
- Income booster and wealth multiplier options
- Tax benefits under Sections 80C and 10(10D)
3. Niva Bupa ReAssure 2.0 (Health Insurance)
Best for: Comprehensive medical coverage with high sum insured
Why it stands out:
Niva Bupa’s ReAssure 2.0 offers excellent benefits like unlimited reinstatement, booster coverage, and zero deductions on claims. It’s designed for individuals and families seeking maximum value and long-term coverage.
Highlights:
- Coverage up to ₹1 crore
- ReAssure+ benefit for unlimited claims
- Daycare procedures and health check-ups included
4. ICICI Lombard Complete Health Insurance
Best for: Tailored health insurance for individuals and families
Why it stands out:
ICICI Lombard’s health plan is known for its wide hospital network, quick claims process, and cashless benefits. The optional wellness programs and add-on riders make it a top choice in 2025.
Highlights:
- Cashless treatments at 7,500+ hospitals
- Pre- and post-hospitalisation coverage
- No-claim bonus and preventive health check-ups
5. HDFC Life Click 2 Protect Super (Term + Customised Life Cover)
Best for: Customised term insurance with flexible features
Why it stands out:
This is not your regular term plan. HDFC Life’s Click 2 Protect Super offers life cover along with added flexibility like increasing cover over time, adding spouse coverage, or opting for return of premium.
Highlights:
- Premium waiver on disability or critical illness
- Coverage till age 85 or 100 (optional)
- Multiple payout options
6. Aditya Birla Activ Health Platinum (Health Insurance)
Best for: Health-conscious individuals looking for wellness benefits
Why it stands out:
This plan not only covers medical expenses but also rewards you for staying healthy. It includes a HealthReturns™ program that incentivizes healthy habits and can reduce your premium.
Highlights:
- 100% chronic management cover
- Free health coach and fitness tracking
- Wellness rewards and cashless hospitalization
7. SBI General Two-Wheeler Insurance
Best for: Affordable and reliable two-wheeler coverage
Why it stands out:
This plan offers third-party liability as well as own-damage cover, with add-ons like zero depreciation and roadside assistance. The premium is budget-friendly, and the claim process is smooth.
Highlights:
- Long-term policy available for 2–3 years
- 24×7 claim support
- No-claim bonus (up to 50%)
8. Star Health Family Health Optima
Best for: Comprehensive family floater health insurance
Why it stands out:
Star Health’s Family Health Optima offers broad coverage for families under a single sum insured. It’s one of the few plans that offer maternity benefits and newborn baby coverage in the same plan.
Highlights:
- Coverage up to ₹25 lakh
- Free annual health check-up
- Lifelong renewability
9. Bajaj Allianz Life Goal Assure (ULIP)
Best for: Investors seeking market-linked returns with life insurance
Why it stands out:
This ULIP is tailored for investors who want the dual benefit of insurance and market returns. The plan offers loyalty additions, fund boosters, and the ability to switch between funds.
Highlights:
- Return of mortality charges on maturity
- Four investment strategies
- Policy term options of 10 to 30 years
10. ACKO Car Insurance (Auto Insurance)
Best for: Digital-first customers looking for fast, low-cost coverage
Why it stands out:
ACKO is known for its fully digital platform, lightning-fast claim processing, and ultra-competitive premiums. Ideal for tech-savvy individuals who want hassle-free service.
Highlights:
- Paperless policy issuance
- Instant claim approvals
- Add-ons like zero depreciation and engine protection
Final Thoughts
Choosing the right insurance plan in 2025 is all about aligning it with your life stage, goals, and risk profile. Whether it’s safeguarding your health, ensuring your family’s financial future, or protecting your assets, the plans above offer some of the best solutions in the market.
Before purchasing any policy, always:
- Compare multiple plans
- Read the fine print
- Use trusted insurance aggregators or consult certified advisors
With the right plan, insurance isn’t just a safety net—it’s a smart financial strategy.