How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

What exclusions apply to Reliance Nippon Life Protection Plus?

The plan excludes death due to suicide within 12 months of policy commencement.

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Term Insurance

Reliance Nippon Life Protection Plus

Compare Reliance Nippon Life Protection Plus benefits, exclusions, ratings and related variants in one place.

2.27

Solvency

94

ICR

8.1

Growth

30,328.17

AUM

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

2.27

Solvency

94

ICR

8.1

Growth

30,328.17

AUM

About

About Reliance Nippon Life Protection Plus

Reliance Nippon Life Protection Plus is a customizable term plan offering high coverage at affordable rates, with lower premiums for non-smokers. It provides four coverage options: Level Cover, Increasing Cover (5% yearly increase), Level Cover Plus Income, and Whole Life Cover (up to 85 years). Policyholders can choose flexible premium payment modes and receive tax benefits. Ideal for first-time buyers, this plan ensures financial security for loved ones while allowing coverage adjustments to meet evolving needs.

About Company

About Reliance Nippon Life Insurance

Reliance Nippon Life Insurance Company (RNLIC), established as a private sector life insurance provider in India, is part of the global financial conglomerate. The organisation, which has its headquarters in India, specialises in offering a range of insurance plans that offer complete financial security. Reliance Nippon Life Insurance offers a range of life insurance products tailored to meet the needs of individuals, families, and businesses. Their offerings include term plans, investment plans, health plans, and retirement solutions. The company emphasizes customer-centric services and innovation, aiming to enhance financial security and provide wealth-building options. With a vast distribution network, they aim to make insurance accessible to all segments of society.

Testimonials

Reliance Nippon Life Insurance Customer Testimonials

Customer feedback and experiences.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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Inclusions and Exclusions

Inclusions and Exclusions of Reliance Nippon Life Insurance

Terminal Illness

If the policyholder is diagnosed with a terminal illness, the plan provides a lump sum payout to help manage medical expenses and secure financial stability for their family.

Zero Cost Option

Under this option, if the policyholder survives the entire policy term without any claims, they may be eligible for a refund of premiums paid, making the policy cost-effective.

Total Permanent Disability Payout

In case of total and permanent disability due to an accident or illness, the policy provides financial assistance, ensuring continued income support and coverage.

Inflation Protection Coverage

The Increasing Cover Plan ensures that the sum assured grows by 5% annually, protecting the policyholder’s family against rising inflation and increasing financial needs.

Premium Payment Customizations

The plan offers multiple premium payment options such as single pay, limited pay, or regular pay, allowing policyholders to choose a payment method that suits their financial planning.

Terminal Illness

If the policyholder is diagnosed with a terminal illness, the plan provides a lump sum payout to help manage medical expenses and secure financial stability for their family.

Zero Cost Option

Under this option, if the policyholder survives the entire policy term without any claims, they may be eligible for a refund of premiums paid, making the policy cost-effective.

Total Permanent Disability Payout

In case of total and permanent disability due to an accident or illness, the policy provides financial assistance, ensuring continued income support and coverage.

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Exclusions

If the policyholder dies by suicide within 12 months from the policy commencement or revival date, the nominee will receive 80% of the total premiums paid or the surrender value, whichever is higher.
Claims may be denied if the policyholder fails to disclose relevant medical or personal information at the time of policy purchase.
Death due to intentional self-harm, whether sane or insane, may not be covered.
Death resulting from adventure sports, racing, or hazardous activities may be excluded unless explicitly covered.
Death occurring due to involvement in illegal or criminal activities may not be covered.
Death due to alcohol or drug abuse may be excluded.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

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Things to Remember

Keep KYC documents and nominee details ready before purchase.

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Renewal steps and key points.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.