1) Kotak with claim settlement ratio of 92 % and good solvency ratio and
premium of rs. 11736 Kotak has a consistent claim settlement ratio of above 90 % for 3 consecutive years 2) PNB metlife with similar claim settlement ratio of Kotak and
same premium of rs. 11781 PNB is a big nationalised bank and Metlife is one of the largest insurance companies in the world 3) Aegon life with claim settlement ratio of 89 % and
premium of rs. 11172 Aegon is in partnership with bennett coleman company which is a times group company Aegon doesn't have a very good claim settlement ratio in the past but
by paying an
additional premium of 500rs you can get a waiver of future
premiums on discovery of critical illness.