Does Term Insurance Cover Death Due to Cyclones?

Yes! Most term insurance plans cover deaths from natural disasters such as cyclones, earthquakes, and floods. In the case where the policyholder dies from a cyclone, the term life insurance company will pay the sum assured to the family (nominee) to keep them financially secure.

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How Term Insurance Covers Cyclones?

Term Insurance is typically used to protect your family from unexpected events. As a cyclone is a natural disaster over which no person has control, it is considered an “unforeseen event” by insurance companies.

Here’s how the coverage applies:

Natural Death: If a natural death occurs due to a cyclone (heart attack because of stress), it is included.
Accidental Death: If an individual dies from an accident caused by the cyclone (such as a tree collapsing on them or a building collapsing), that would also be included.

It is essential to purchase a plan as early as possible so that your family members are under protection all the time.

Example of term insurance benefits:

Ravi was residing in a coastal town. He took a ₹1 Crore term insurance cover. Unfortunately, there was a cyclone attack in his town, which led to his death due to the toppling of a wall. Being a policyholder, his wife received the entire amount of ₹1 Crore. With this amount, she was able to take care of her children’s education expenses and home expenses.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

What is the Role of Term Insurance in Natural Disasters?

Natural calamities are rising. According to recent statistics, extreme weather in India has resulted in the deaths of over 4,419 people in the year 2025. During such times, having financial security is particularly important. Let’s understand the role of term insurance due to bad weather:

Financial Security: The cyclone could damage property and livelihoods. If the principal earning member of the family passes away, the family could have financial issues. The term plan provides a financial safety net.
Repayment of Debt: If you have a home loan or car loan, the insurance amount will be helpful in clearing the debt, so the responsibility will not fall on your loved ones.
Peace of Mind: The assurance that your loved ones will be protected in all circumstances may give you peace of mind.

To choose a plan as per your budget, you would need to consider the term plans offered by other companies.

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How to File a Claim for Death Caused by Cyclone?

Filing the term insurance claim for deaths caused by natural disasters is more or less the same as any other claim. The nominee has to follow these steps:

Inform the Insurer: Inform the insurance company asap.
Submission of Documents: You may be asked to submit the death certificate. However, when natural disasters occur, the municipal office in the area usually releases the death certificate quickly.
Proof of Cause: In some cases, a police report (FIR) or a post-mortem report may be required in case of accidental deaths (for example, death by floods due to drowning).
Claim Settlement: After validation of the documents, the insurance company transfers the funds into the nominee’s bank account.

Final Thoughts on The Ultimate Term Insurance Plan

Though the weather is unpredictable, it is best to be prepared. A Term Insurance Plan is a practical way to ensure that your family’s future is safe, should a cyclone or natural disaster strike. It is a cost-effective mode of availing a huge financial cover for your insurance claim.

Secure your family’s future with the best term insurance plan. Compare term insurance plans from top insurers, find the right cover for your needs, and get protected against life’s uncertainties, including natural disasters.

How To Buy 1 Crore Term Insurance Plan from Policybazaar 2026?

Below mentioned is the step-by-step guide to buy the best term insurance plan for 1 crore term plan from Policybazaar:

Step 1: Visit Policybazaar and Go to the Term Insurance page
Step 2: Fill in the basic details such as name, Date of Birth, and contact number and click on ‘View Plans’
Step 3: Answer the questions about smoking habits, annual income, occupation type, and educational qualification
Step 4: After submitting all the details, a list of all available 1 Crore term insurance plans will be displayed
Step 5: Choose the best term insurance plan that suits your financial needs and proceed to pay the first premium

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What is Term Life Insurance

FAQs

Q1. Does life insurance cover natural disasters?

Ans: Yes, Term Life Insurance pays the sum assured in case of death due to natural disasters such as a cyclone, flood, and earthquake to the nominee.
Q2 Can we claim term insurance for natural disasters?

Ans: Yes, in case the death is caused due to injury from the cyclone, for example, slipping and falling objects, the insurance company may classify the death as “accidental.” Having an Accidental Death Benefit Rider will enable your loved ones to receive an additional amount in addition to the base sum assured.
Q3. Will there be rejection of the claim should the body not turn up instantaneously?

Ans: In extreme cyclones, sometimes there are missing persons. The government normally releases a list of missing individuals deemed dead after a specific time. The insurance company accepts this government warning to settle the claim.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month 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 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/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 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/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 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/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 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 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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