4 Insurance Covers to Protect you During a Terrorist Activity

The recent terror attacks in Paris have shaken the entire world. And once again the attacks have shown how unpredictable life is. Disasters — be it natural or man-made — can strike anyone, anywhere. And while governments worldwide decide how to protect citizens from such incidents; there are measures that you can take to protect yourself and your family.

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Though it is difficult to say when and where terrorists will attack next, you can certainly secure the lives of those who depend on you with the help of terrorism insurance.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Further in this article, we have elaborately discussed everything you need to know about COVID_19 and life insurance.

What Does Terrorism Insurance Cover

Here, we have outlined the four important insurance covers that like terrorism insurance which you should buy to take care of the financial losses in case you are a victim of any such attacks.

Life Insurance:- It offers financial protection to your family after your demise to ensure that they continue to have a financially secured life. Financial planners recommend that your sum assured should be at least 10 times of your annual income. If you have any other liabilities such as home loan and car loan, factor in them too and bump up your insurance cover. At the time of taking the policy, check with the insurer whether they cover death caused due to a terrorist activity. At present, life insurance companies companies which offer terrorism insurance such as ICICI Prudential life insurance and Axis Max Life Insurance cover death due to terrorism.

How to file for a claim:- Keep your nominee in the loop when you buy life insurance policy so that they know from where to retrieve the policy documents, or the policy number. Along with the policy certificate, insurers insist on KYC (Know Your Customer) documents and death certificate to settle the claim.

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Get an online discount of upto 15%#

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+Standard T&C Applied

Personal Accident Insurance:- It covers all kind of losses or damages inflicted, such as death, temporary and permanent disability and bodily injuries, due to accidents, including cover terrorist activities. To be on a safer side, buy a standalone policy rather than a life insurance rider as the premium turns out to be cheaper. The benefit is that a standalone policy doesn’t cease with life insurance claim unlike the personal accident rider claim. Further, standalone policies offer coverage to older people also, which is not available in a personal accident rider.

Life Insurer Details

How to file for a claim:- In case of death, the insurer may ask you to submit the policy certificate, KYC and death certificate. In case of permanent or temporary disability, a doctor will have to certify the nature of disability as the compensation is paid as per their observation. 

Home Insurance:- A basic home insurance policy covers your house and its contents against fire and other perils such as lightning, earthquake and flood. It can also cover for damages to property caused by terrorist activities for an additional premium amount. For example, Bharti AXA’s home insurance policy covers your house and its contents against any damages or losses incurred on account of terrorist activities.

Note: It is suggested to calculate the term plan premium on the term insurance premium calculator online tool by Policybazaar before buying.

How to file for a claim:- You need to submit a duly-filled form along with such details as policy number, contact details, date and time of loss, and nature and extent of loss. The insurer settles the claim after the surveyor has assessed the damages and submitted the report.  

Car Insurance:- Apart from buying a mandatory third-party cover, you should buy a comprehensive cover to shield your vehicle against any damage. Comprehensive car insurance not only covers you and your vehicle but also covers loss or damage to your vehicle against terrorist activities. 

How to file for a Terrorism Insurance claim:- Contact the insurance company and submit a duly-filled claim form citing your policy number and nature of loss. 

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Apart from covering acts of terror, a right insurance coverage can protect you against various unforeseen circumstances. So, carefully analyze your varied requirements before buying the one for yourself.

Note: Check all the best term insurance plan in India.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.


Premium By Age

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.

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