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Jharkhand is state situated in the eastern part of the country, is known for being the coal capital of India. While Jharkhand is blessed with natural landscapes and prosperous industries, like the steel industry, coal industry etc., it also faces multiple challenges that make it difficult for people to sustain at ease.
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Some of these challenges include underdevelopment, low literacy levels, malnutrition, malnutrition, unemployment, etc. Therefore, you should take necessary financial measures to provide a safety net for your loved ones. One way is to buy term insurance and protect your family in Jharkhand Ranchi from life’s numerous uncertainties. Let’s discuss the importance of term insurance in Jharkhand Ranchi here.
Here are some facts and statistics about Jharkhand that you must know before you proceed to buy term plan:
According to the 2021 edition of the Multidimensional Poverty Index, released by Niti Aayog, about 42.16% of the total population of Jharkhand is multidimensionally poor, therefore making it the second poorest state in the country.
Jharkhand has the 6th lowest per capita income in the country.
As per recent data, female literacy rate in Jharkhand rose from 39% in 2001 to 56% in 2011.
According to recent data, Jharkhand’s life expectancy at birth is 64.7.
In 2022, Jharkhand witnessed about 5.18 thousand road accidents, causing significant loss of life, injuries, and property damage.
In 2018, the suicide rate of Jharkhand averaged 3.60 suicides per day, increasing to 4.5 per day in 2019, and further rising to an average of 5.5 per day in the first six months of 2020.
*Last census in Jharkhand took place in 2011, and the next census, scheduled for 2021, is postponed until 2024
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Jharkhand Ranchi is a state that is known for its holy sites, hills and waterfalls, and ethnic groups. However, a large portion of the citizens of Jharkhand Ranchi are deprived of basic amenities despite having access to abundant natural resources. Moreover, in Jharkhand Ranchi, the average yearly rainfall is 1200-1300 mm and is very unpredictable. This also results in excessive runoff, leading to soil and water conservation issues. Therefore, keeping these situations in mind, the residents of Jharkhand Ranchi should prioritize the future well-being of their families and buy term plan, which comes at much affordable premiums, and will provide comprehensive financial protection. Term insurance provides financial security to your family in the unfortunate event of your death, ensuring they are not burdened financially.
Term Plans
You can find the best term insurance plans in Jharkhand Ranchi online at Policybazaar. And there, you can easily use the comparison tool to compare the several plans available based on your criteria and needs. With Policybazaar, you can quickly compare term insurance plans from 15+ top insurers and buy the plan that best suits your requirements.
| Term Insurance Plan | Entry Age | Sum Assured | Additional Benefits |
| ICICI Prudential iProtect Smart | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
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| HDFC Life Click 2 Protect Super | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
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| Max Life Smart Secure Plus | 18 to 60 years | Rs. 25 Lakhs to Rs. 1 Crore |
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| TATA AIA SRS Vitality Protect | 18 to 60 years | Rs. 50 Lakhs to Rs. 2 Crores |
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| Bajaj Allianz Life eTouch | 18 to 55 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| PNB MetLife Mera Term Plan Plus | 18 to 50 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Canara HSBC Young Term Plan - Life Secure | 18 to 45 years | Rs. 25 Lakhs to Rs. 20 Crores |
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| Kotak Life e-Term | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Bandhan Life iTerm Prime | 18 to 65 years | Rs. 25 Lakhs to Rs. 20 Crores |
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| Edelweiss Life Zindagi Protect | 18 to 65 years | Rs. 50 Lakhs to No Limit |
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| ABSLI Salaried Term Plan | 21 to 55 years | Rs. 50 Lakhs to Rs. 5 Crores |
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| SBI Life eShield Next | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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If you have any doubts/questions, you can reach Policybazaar at their Claim Assistance Helpline Number: 1800-258-5881.
Further, you can also find help by logging into your account on their website or using the Policybazaar app.
We help to choose best insurance based on your need
Jharkhand Ranchi is a predominantly rural state and every year, majority of the regions in Jharkhand Ranchi encounters several challenges, like heavy rainfall, soil erosion and frequent floods. These unpredictable situations make term and life insurance a safety net in Jharkhand Ranchi. Here are some other reasons why you should buy term insurance in Jharkhand Ranchi:
Cover Against Multiple Risks: Jharkhand Ranchi faces various risks including natural disasters, health emergencies, and socio-economic challenges such as extreme poverty. Term insurance offers a safety net by providing a death benefit to beneficiaries, easing their financial burdens if the policyholder passes away. Term plans are affordable and simplify the buying process for residents of Jharkhand Ranchi.
Income Replacement: In a state like Jharkhand Ranchi, where unemployment is common issue, losing the only breadwinner of the family can cause serious financial burden to the family. Term insurance helps by replacing the lost income, thereby, supporting the families maintain their current lifestyle and cover additional and future expenses.
Affordability of Term Plans: Jharkhand Ranchi, being a rural state, seeks for insurance plans that are cost-effective. Therefore, term insurance plan is the best option as it is the most affordable form of life insurance and usually offers a high life cover at very low premium rates. This makes it possible for people living in Jharkhand Ranchi from diverse socio-economic backgrounds to easily secure their families.
Provides Peace of Mind: Peace of mind comes from knowing your loved ones will be financially secure if something happens to you unexpectedly. It lets you focus on other parts of their lives without worrying about their financial well-being.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
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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