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.

Are there any riders available with Reliance Nippon Life Super Suraksha?

Yes, the plan offers various riders, including Accidental Death Benefit, Accidental Death and Disability, and Critical Illness riders, to enhance coverage.

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Reliance Nippon Life Super Suraksha

Compare Reliance Nippon Life Super Suraksha benefits, exclusions, ratings and related variants in one place.

2.27

Solvency

94%

ICR

8.1%

Growth

30,328.17

AUM

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Our Verdict

Reliance Nippon Life Super Suraksha Review: Our Verdict

Final Verdict

Reliance Nippon Super Suraksha is ideal for individuals seeking high coverage with flexible payouts and rider benefits. While it ensures financial security, the lack of maturity benefits makes it purely protection-focused.

About

What Is Reliance Nippon Life Super Suraksha?

Reliance Nippon Super Suraksha is a comprehensive term insurance plan designed to provide financial security to your loved ones in case of an unfortunate event. It offers flexible policy terms, multiple payout options, and high coverage at affordable premiums. The plan includes additional benefits such as accidental death coverage and critical illness riders, ensuring enhanced protection. With options for regular, limited, or single premium payments, it caters to different financial needs. It also provides tax benefits, making it a well-rounded life protection solution.

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.

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

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

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

Reliance Nippon Life Super Suraksha Inclusions and Exclusions

Terminal Illness

If the life insured is diagnosed with a terminal illness during the policy term, a portion of the sum assured is paid in advance.

Zero Cost Option

It offers plan variants like Return of Premium and Early Return of Premium, where 105% of total premiums paid are returned at maturity or upon reaching a certain age.

Total Permanent Disability Payout

In the event of total and permanent disability due to an accident, this rider provides a payout equal to the rider sum assured, disbursed in equal annual installments over a 10-year period.

Premium Payment Customizations

Policyholders can choose from Single Pay, Limited Pay, or Regular Pay options. The premium payment frequency can be adjusted to monthly, half-yearly, or yearly modes.

Exclusions

Death due to suicide within 12 months from the policy commencement or revival date is excluded, with limited payout.
Death or disability due to participation in hazardous activities or adventure sports is not covered.
Claims arising from self-inflicted injuries, substance abuse, or intoxication are excluded.
Pre-existing medical conditions may not be covered unless explicitly stated.
Death or disability due to war, terrorism, or civil unrest is excluded.

Add ons

Reliance Nippon Life Super Suraksha Add-Ons and Riders

Accidental Death

Critical Illness

Reliance Nippon Life Super Suraksha Related Variants

Bharti AXA Jeevan Suraksha

Digit Life Group Long Term Plan

Future Generali Care Plus

Claim Process

Reliance Nippon Life Super Suraksha Claim Settlement Process

Steps and flow followed by the insurer.

Term Cover Calculator

Reliance Nippon Life Super Suraksha Insurance Premium Calculator

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How to Buy

How to Buy Reliance Nippon Life Super Suraksha

Purchase flow from OneAssure.

Things to Remember

Keep KYC documents and nominee details ready before purchase.

Renewal

Reliance Nippon Life Super Suraksha Renewal

Renewal steps and key points.

FAQs

Reliance Nippon Life Super Suraksha FAQs

Got questions about Reliance Nippon Life Super Suraksha? You’re not alone. Here are some of the most commonly asked questions to help you understand this term life plan, coverage, claims, and benefits better.