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1overTiger partner insurers","Tax saving up to â¹46,800/year under Sec 80C + 10(10D)","100% online â zero paperwork, instant policy on email"],L=[{value:"1,20,000+",label:"Policies Sold"},{value:"â¹749/month*",label:"Starting Premium"},{value:"99%+",label:"Claim Settlement Ratio"},{value:"10 Mins",label:"To Buy Online"},{value:"15+",label:"Insurer Partners"}],H=[{abbr:"AXIS MAX",insurer:"Axis Max Life Insurance",name:"Smart Term Plan Plus",csr:"99.7%",badge:{text:"â
Top Recommended",color:w,bg:"#FEF3C7"},features:["Zero-cost term insurance","Instant claim within 24 hrs","Terminal illness early payout","Premium delay up to 12 months","â¹50,000 tele-consultation free"],cover:"â¹1 Crore",premium:"â¹749/month*"},{abbr:"TATA",insurer:"Tata AIA Life Insurance",name:"Sampoorna Raksha Promise",csr:"99.4%",badge:{text:"â Best Budget",color:C,bg:"#DCFCE7"},features:["Zero-cost term insurance","Instant claim settlement","â¹30,000 tele-consultation free","Waiver of premium benefit"],cover:"â¹1 Crore",premium:"â¹769/month*"},{abbr:"ICICI",insurer:"ICICI Prudential Life",name:"IPRU iProtect Smart Plus",csr:"99.3%",badge:{text:"â Value for Money",color:h,bg:u},features:["Terminal illness benefit free","â¹61,000 tele-consultation free","Good health discount","Premium delay up to 12 months"],cover:"â¹1 Crore",premium:"â¹801/month*"},{abbr:"BAJAJ",insurer:"Bajaj Allianz Life",name:"eTouch",csr:"99.3%",badge:null,features:["Zero-cost term insurance","Instant claim within 24 hrs","Terminal illness early payout","Tele-consultation free"],cover:"â¹1 Crore",premium:"â¹749/month*"}],q=[["Axis Max â Smart Term Plus","â¹749/month","99.7%","1.89x","Not Required (â¤40 yrs)","â Free","4 Riders"],["Tata â Sampoorna Raksha","â¹769/month","99.4%","1.92x","Not Required (â¤40 yrs)","â Free","5 Riders"],["Bajaj Allianz â eTouch","â¹779/month","99.3%","2.1x","Not Required (â¤45 yrs)","â Free","3 Riders"],["ICICI Prudential â IPRU iProtect","â¹801/month","99.3%","2.08x","Required (>40 yrs)","â Free","6 Riders"],["Max Life â Smart Secure Plus","â¹834/month","99.5%","1.76x","Not Required (â¤38 yrs)","â Free","7 Riders"]],O=["Insurer & Plan","Monthly Premium*","Claim Settlement","Solvency Ratio","Medical Test","Terminal Illness","Riders"],Y=[{n:1,title:"Pay a small monthly premium",desc:"As low as â¹749/month* for a 30-year-old non-smoker."},{n:2,title:"Policy stays active for your chosen term",desc:"10 years to whole life â your choice."},{n:3,title:"In case of an unfortunate event",desc:"Your family receives the â¹1 Crore lump-sum payout."},{n:4,title:"Financial security guaranteed",desc:"Loans, EMIs, education & lifestyle fully protected."}],U=["Pure Protection","High Cover","Low Premium","Tax Benefits","Digital Buying"],G=[{emoji:"\uD83D\uDCBC",title:"Salaried Professional (â¹8â15L/yr)",desc:"10x income rule makes â¹1 Crore ideal. Covers income replacement for 8â10 years so your family maintains lifestyle without financial stress.",tag:"â Highly Recommended",tagColor:C},{emoji:"\uD83C\uDFE0",title:"Home Loan Borrower",desc:"If your outstanding home loan is â¹35â60 lakh, a â¹1 Crore cover protects the loan repayment + provides income buffer for your family.",tag:"â Strongly Advised",tagColor:C},{emoji:"\uD83D\uDC76",title:"New Parent (1â2 Young Kids)",desc:"â¹1 Crore is sufficient to fund quality education for 2 children and secure their future even in your absence.",tag:"â Strongly Advised",tagColor:C},{emoji:"\uD83E\uDDD1â\uD83D\uDCBB",title:"Self-Employed / Business Owner",desc:"Cover business liabilities, pending loans, and ensure your family is not burdened by business debts if something happens to you.",tag:"â Recommended",tagColor:C},{emoji:"\uD83C\uDF0F",title:"NRI with India-Based Family",desc:"NRIs can buy â¹1 Crore term plans in India. Ensures family back home is financially secure even if you are abroad.",tag:"â Eligible",tagColor:h},{emoji:"\uD83D\uDC8D",title:"Recently Married (No Kids Yet)",desc:"Lock in low premiums now. A 27-year-old saves up to â¹40,000+ over a 30-year policy vs waiting till 35 to buy.",tag:"â Buy Early",tagColor:h}],_=[{cover:"â¹50 Lakh",from:"From â¹383/month*",featured:!1,points:["Good for income up to â¹5L/year","Covers basic living expenses for 4â5 years","Suitable for minimal loan liabilities","Entry-level protection for young earners"],fit:"Ideal for: Young professional, early career, no major loans"},{cover:"â¹1 Crore",from:"From â¹749/month*",featured:!0,points:["Ideal for â¹8â15L annual income","Covers home loan + 6â7 years income","Funds 2 childrenâs higher education","Clears most outstanding debts"],fit:"Ideal for: Salaried family person with home loan & kids"},{cover:"â¹2 Crore",from:"From â¹1,199/month*",featured:!1,points:["For income â¹15L+ per year","Covers premium lifestyle for 8+ years","Ideal for multiple/large loans","Comprehensive business + personal cover"],fit:"Ideal for: High earner, business owner, large home loan"}],V=[{emoji:"\uD83C\uDF82",title:"Age at Entry",desc:"The younger you are, the lower your premium. A 25-year-old pays ~â¹600/month vs â¹1,400/month at 40 for the same â¹1 Crore cover. Buy early to lock in savings."},{emoji:"â§",title:"Gender",desc:"Women statistically have longer life expectancy, so insurers offer them 5â15% lower premiums than men of the same age for identical â¹1 Crore coverage."},{emoji:"\uD83D\uDEAD",title:"Smoker vs Non-Smoker",desc:"Smokers pay 30â50% higher premiums due to elevated health risks. Qu
1itting smoking before buying can save you â¹2,000â5,000/year on â¹1 Crore cover."},{emoji:"\uD83E\uDE7A",title:"Health & Medical History",desc:"Pre-existing conditions like diabetes, hypertension, or heart disease can increase premiums by 10â50% depending on severity. Disclose accurately for valid claims."},{emoji:"\uD83D\uDCC5",title:"Policy Term Chosen",desc:"Longer terms (30â40 years) have slightly higher annual premiums but better per-year value. A 10-year term is cheaper annually but leaves gaps in coverage."},{emoji:"\uD83D\uDCB3",title:"Premium Payment Mode",desc:"Annual payment is typically 2â5% cheaper than monthly instalments. Limited-pay options (pay for 10 years, cover for 30) have higher premiums but finish early."}],K=[{emoji:"\uD83E\uDD16",title:"AI-Powered Plan Selection",desc:"CoverTiger analyses 200+ data points to recommend the exact â¹1 Crore plan best suited for your specific profile â no human bias, pure data.",tag:"â
Unique to CoverTiger"},{emoji:"â¡",title:"Buy in Under 10 Minutes",desc:"Complete KYC, medical history, payment â get policy PDF in inbox instantly. 100% paperless, no agent, no branch visit.",tag:"100% Digital"},{emoji:"\uD83D\uDD0D",title:"Transparent Comparison",desc:"Compare 15+ insurers on premium, CSR, solvency ratio, features, and riders â all on one screen. Zero hidden charges.",tag:"Unbiased"},{emoji:"\uD83E\uDD1D",title:"100% Claim Assistance",desc:"Every customer gets a dedicated claim manager who handles documentation, insurer follow-up, and tracks payout end-to-end.",tag:"24/7 Support"},{emoji:"\uD83D\uDCB0",title:"Lowest Premium Guarantee",desc:"Our AI scans all â¹1 Crore plans to find the lowest premium for your exact profile â saving you thousands per year.",tag:"Save More"},{emoji:"\uD83D\uDD14",title:"Policy Review Alerts",desc:"CoverTiger sends smart reminders to review and upgrade your â¹1 Crore cover after major life events â marriage, kids, new home.",tag:"Ongoing Support"}],Q=[{emoji:"\uD83C\uDFE0",title:"Home Loan Protection",desc:"Covers outstanding home loan EMIs so your family never loses the family home."},{emoji:"\uD83C\uDF93",title:"Childrenâs Education Fund",desc:"â¹1 Crore funds quality higher education for 2 children, securing their future completely."},{emoji:"\uD83D\uDCB5",title:"Income Replacement",desc:"Replaces 8â10 years of household income, giving your family a stable financial transition."},{emoji:"\uD83E\uDDFE",title:"Debt Clearance",desc:"Clears personal loans, car loans, and credit card dues â your family inherits zero debt."},{emoji:"\uD83D\uDCB0",title:"Tax Savings",desc:"Premium deductible under Sec 80C. Up to â¹1.5L. Death benefit 100% tax-free under 10(10D)."},{emoji:"â",title:"Rider Add-Ons",desc:"Enhance â¹1 Crore base cover with Critical Illness, Accidental Death Benefit & Waiver of Premium riders."},{emoji:"\uD83E\uDDD3",title:"Retirement Security",desc:"Ensures parents and spouse are never financially dependent â a complete safety net for your loved ones."},{emoji:"\uD83C\uDF10",title:"Worldwide Coverage",desc:"â¹1 Crore cover is valid globally. Claims honoured regardless of where the event occurs."}],X=[{title:"Section 80C â Premium Deduction",note:"Available to all resident Indians",rows:[["Maximum deduction allowed","â¹1,50,000/year"],["Tax saved at 30% slab","â¹46,800/year"],["Who is eligible?","Individual & HUF"],["Premium for spouse also eligible?","Yes, if you pay it"]],highlight:{label:"Max Tax Saving (30% slab)",value:"â¹46,800/year"}},{title:"Section 10(10D) â Death Benefit Tax-Free",note:"The nomineeâs payout is completely exempt",rows:[["Is â¹1 Crore death benefit taxable?","No â 100% Tax Free"],["Applicable to nominees","All nominees"],["TDS on payout?","Zero TDS"],["NRI nominees taxable?","Exempt in India"]],highlight:{label:"Total â¹1 Crore Payout to Nominee",value:"â¹1,00,00,000 Tax-Free"}}],Z=[{emoji:"\uD83E\uDE7A",title:"Critical Illness Rider",desc:"Lump sum payout on diagnosis of 40+ critical illnesses including cancer, heart attack, stroke & kidney failure â regardless of death.",add:"Add from â¹150/month"},{emoji:"\uD83D\uDE97",title:"Accidental Death Benefit",desc:"Additional payout over the base â¹1 Crore if death occurs due to an accident â doubling your familyâs financial protection.",add:"Add from â¹60/month"},{emoji:"\uD83D\uDEE1ï¸",title:"Waiver of Premium",desc:"All future premiums are waived off if you are diagnosed with a critical illness or permanently disabled â policy continues fully.",add:"Add from â¹40/month"},{emoji:"\uD83D\uDCB8",title:"Return of Premium (TROP)",desc:"Get back all premiums paid if you survive the policy term. Converts your â¹1 Crore term plan into a zero-loss financial instrument.",add:"Higher base premium"},{emoji:"\uD83D\uDCC8",title:"Income Benefit Rider",desc:"Nominee receives monthly income in addition to the â¹1 Crore lump sum â simulating your monthly salary for 5â10 years.",add:"Add from â¹120/month"},{emoji:"â¿",title:"Permanent Disability Rider",desc:"Payout if you suffer permanent disability due to an accident â covers loss of limb, eyesight, or total incapacitation.",add:"Add from â¹70/month"}],J=[{emoji:"\uD83D\uDCB0",title:"Lump Sum",desc:"Full â¹1 Crore paid to nominee in one go. Best for clearing large debts (home loan), investing the corpus, or immediate financial security.",tag:"Most Chosen"},{emoji:"\uD83D\uDDD3ï¸",title:"Monthly Income",desc:"â¹1 Crore is paid in equal monthly instalments over 10â15 years â simulates your monthly salary and prevents lump sum misuse.",tag:"Good for families"},{emoji:"\uD83D\uDCC8",title:"Increasing Income",desc:"Monthly payouts that increase 5â10% per year â accounts for inflation and rising household expenses over time.",tag:"Inflation-proof"},{emoji:"\uD83D\uDD00",title:"Lump Sum + Monthly",desc:"Part of â¹1 Crore as immediate lump sum to clear debts, remainder as monthly income for 5â10 years. Best of both worlds.",tag:"AI Recommended"}],$={Women:{icon:"\uD83D\uDC69",bullets:[{title:"Lower premiums for women",desc:"Women get 5â15% lower premiums than men. A 30-year-old woman can get â¹1 Crore cover from ~â¹640/month*."},{title:"Covers working mothers and homemakers both",desc:"Both employed women and homemakers with financial contributions to the household can buy â¹1 Crore term plans."},{title:"Joint home loan coverage",desc:"Women co-borrowers in joint home loans should have separate â¹1 Crore cover to protect against their share of liability."},{title:"Special women-specific plans available",desc:"Some insurers offer additional benefits like maternity-related critical illness coverage in women-specific term plans."}],stats:[["Premium for 30-yr woman","~â¹640/month*"],["Saving vs male premium","~10â15% lower"],["Eligible age range","18 â 65 years"],["Medical test required","Mandatory"]]},NRI:{icon:"\uD83C\uDF0F",bullets:[{title:"NRIs can buy â¹1 Crore plans in India",desc:"Indian passport holders living abroad are eligible for â¹1 Crore term plans from Indian insurers."},{title:"Premium in INR, payout in INR",desc:"Premiums and the â¹1 Crore payout are settled in Indian Rupees to your India-based nominee."},{title:"Tele/video medical exams accepted",desc:"Most insurers allow video medical examinations from your country of residence â no need to fly to India."},{title:"Worldwide coverage",desc:"Your â¹1 Crore cover is valid globally â claims honoured regardless of which country the event occurs in."}],stats:[["Eligible countries","180+ countries"],["Medical exam","Tele / Video"],["Payout currency","INR"],["KYC","Digital + Pass
1port"]]},"Age 45â60":{icon:"\uD83E\uDDD1â\uD83E\uDDB3",bullets:[{title:"Still eligible for â¹1 Crore cover",desc:"Most insurers allow entry up to age 65, though premiums are higher and a full medical test is mandatory."},{title:"Shorter policy terms recommended",desc:"Choose a term that covers you until retirement (60â65). A 15-year term often makes the most sense at this age."},{title:"Medical test is mandatory",desc:"A full health check-up is required. Disclose all conditions accurately to avoid claim rejection later."},{title:"Lock in before premiums rise further",desc:"Premiums increase sharply every year after 45 â buying now locks the rate for the full term."}],stats:[["Premium for 50-yr male","~â¹2,800/month*"],["Max entry age","65 years"],["Medical test","Mandatory"],["Recommended term","10â15 years"]]},"Self-Employed":{icon:"\uD83E\uDDD1â\uD83D\uDCBC",bullets:[{title:"Income proof via ITR",desc:"Self-employed buyers submit 2 years of ITR and a CA-certified balance sheet as income proof for â¹1 Crore cover."},{title:"Covers business liabilities",desc:"â¹1 Crore protects your family from pending business loans and supplier dues if something happens to you."},{title:"Flexible premium payment",desc:"Opt for annual payment to align with business cash flow, or limited-pay to finish premiums in 10 years."},{title:"Higher cover often advised",desc:"If business liabilities exceed â¹1 Crore, our AI may recommend a â¹2 Crore plan for complete protection."}],stats:[["Income proof","2-yr ITR"],["Eligible age range","18 â 65 years"],["Premium mode","Annual / Limited-pay"],["Medical test","Income-based"]]}},ee=[{emoji:"\uD83D\uDC9A",title:"Natural Causes of Death",desc:"Full â¹1 Crore paid for death due to illness, organ failure, or any natural causes."},{emoji:"\uD83D\uDE97",title:"Accidental Death",desc:"Covers death due to road accidents, air crashes, or any accidental event."},{emoji:"\uD83E\uDE7A",title:"Terminal Illness (Most Plans)",desc:"Early payout of â¹1 Crore if diagnosed terminal with <12 months life expectancy."},{emoji:"\uD83C\uDF10",title:"Death Outside India",desc:"Policy valid globally. Claims honoured for death occurring anywhere in the world."},{emoji:"\uD83E\uDDA0",title:"Pandemic / COVID-19 Death",desc:"All leading plans now explicitly cover death due to COVID-19 and similar pandemics."}],ei=[{emoji:"â ï¸",title:"Death by Suicide (Year 1)",desc:"Death by suicide within the first 12 months of the policy is not covered (premiums refunded)."},{emoji:"\uD83C\uDF7A",title:"Death Under Intoxication",desc:"Death while under the influence of alcohol or non-prescribed drugs is excluded."},{emoji:"\uD83E\uDE82",title:"Hazardous Activities",desc:"Death during adventure sports (skydiving, racing) unless declared and covered by a rider."},{emoji:"\uD83D\uDEAB",title:"Non-Disclosure of Facts",desc:"Claims can be rejected if material facts (smoking, illness) were hidden at purchase."},{emoji:"âï¸",title:"War / Illegal Acts",desc:"Death due to participation in war, terrorism, or while committing a criminal act."}],et=[["Minimum Entry Age","18 years"],["Maximum Entry Age","65 years"],["Minimum Policy Term","10 years"],["Maximum Policy Term","Whole Life"],["Minimum Annual Income","â¹3 Lakh/year"],["Max Sum Assured","â¹20 Crore"],["Nationality","Indian / NRI"],["Medical Test Required","Mandatory"]],er=[["Salaried Individuals","â Highly Recommended",C],["Self-Employed / Business Owners","â Highly Recommended",C],["Home Loan Borrowers","â Strongly Advised",C],["Parents of Young Children","â Strongly Advised",C],["NRIs with India Assets","â Eligible",h],["Smokers","â Higher Premium",w],["Pre-existing Conditions","â Medical Eval Required",w],["Age 50+","â Limited Term Options",w]],en=[{emoji:"\uD83E\uDEAA",title:"Identity & Address",items:["Aadhaar Card (front & back)","PAN Card (mandatory)","Passport / Voter ID / Driving Licence","Utility bill or bank statement"]},{emoji:"\uD83D\uDCBC",title:"Income Proof",items:["Last 3 months salary slips (salaried)","Last 2 years ITR (self-employed)","Form 16 (salaried individuals)","CA
1-certified balance sheet (business)"]},{emoji:"\uD83E\uDE7A",title:"Medical Documents",items:["Recent medical reports (if applicable)","Existing illness records / discharge","Existing policy documents","Medical tests arranged free by insurer"]},{emoji:"\uD83D\uDCC4",title:"Other Documents",items:["Passport-size photograph (digital)","Cancelled cheque for premium setup","Nomineeâs Aadhaar & PAN details","NEFT details for auto-debit"]}],eo=[{title:"Not Disclosing Medical History Accurately",desc:"The #1 reason claims are rejected. Always disclose diabetes, hypertension, past surgeries, family history â even if it increases your premium slightly. A higher premium is better than a rejected â¹1 Crore claim."},{title:"Buying â¹1 Crore When You Actually Need More",desc:"Many buyers pick â¹1 Crore as a round figure without calculating actual need. If your annual income is â¹18L+ with a large home loan, â¹1.5â2 Crore is more appropriate. Use CoverTigerâs AI calculation."},{title:"Choosing Term Insurance Based Only on Premium",desc:"The cheapest â¹1 Crore plan is not always the best. Check claim settlement ratio, solvency ratio, and insurer reputation. A plan with 95% CSR vs 99% CSR may seem similar but represents a huge risk difference."},{title:"Not Updating Nominee Details After Life Events",desc:"Marriages, divorces, and childbirth require nominee updates. Outdated nominee information can cause claim disputes and delays. Review your â¹1 Crore policy details every 2â3 years."},{title:"Waiting to Buy at an Older Age",desc:"Every year you delay buying â¹1 Crore term insurance, the premium increases significantly. A 30-year-old pays ~â¹749/month vs ~â¹1,400/month at 40. Waiting 10 years costs â¹2.4â3.6 lakh extra over 30 years."},{title:"Skipping Riders Thinking Theyâre Unnecessary",desc:"Adding a Critical Illness Rider to your â¹1 Crore plan costs ~â¹150/month but provides â¹25â50L payout on diagnosis â separate from the death benefit. For most profiles, this is an extremely cost-effective add-on."}],ea=[{title:"Is â¹1 Crore the Right Cover Amount for You?",desc:"Use HLV formula: 10â15x annual income + outstanding loans + childrenâs education goals. CoverTiger AI calculates this instantly for your profile."},{title:"Choose the Correct Policy Term",desc:"Cover should last until your earning years end â typically age 60â65. Starting at 30, a 30-year term is ideal. Donât choose a 15-year term to save on premium only to leave your family unprotected later."},{title:"Compare Claim Settlement Ratios (CSR)",desc:"Only consider insurers with 97%+ CSR. CoverTiger exclusively features 99%+ CSR partners. This single metric has the highest impact on whether your family actually receives the â¹1 Crore."},{title:"Check Insurerâs Solvency Ratio",desc:"IRDAI mandates minimum 1.5x solvency ratio. Insurers with 1.8x+ solvency are financially healthier and have better ability to honour all claims including your â¹1 Crore policy."},{title:"Select Relevant Add-on Riders",desc:"Critical Illness, Accidental Death Benefit, and Waiver of Premium are the three most valuable riders for most â¹1 Crore plans. Add at purchase â riders cannot be added after policy issuance in most cases."},{title:"Choose the Right Payout Structure",desc:"If your family has limited financial literacy, a monthly income payout prevents lump sum mismanagement. If you have large outstanding loans, lump sum payout is better to clear debt immediately."}],es=[{n:1,emoji:"\uD83D\uDCDD",title:"Get AI Quote",desc:"Enter basic details. CoverTiger AI analyses your profile and generates personalised â¹1 Crore plan options instantly."},{n:2,emoji:"\uD83D\uDCCA",title:"Compare Plans",desc:"Side-by-side comparison of premium, features, CSR, solvency, and riders across 15+ insurers."},{n:3,emoji:"â
",title:"Select Your Plan",desc:"Choose your preferred â¹1 Crore plan and add optional riders. Confirm your sum assured and term."},{n:4,emoji:"\uD83E\uDEAA",title:"Complete KYC",desc:"Submit Aadhaar, PAN, income proof, and medical history digitally. No physical documents required."},{n:5,emoji:"\uD83C\uDF89",title:"Get Policy Now",desc:"Pay premium online and receive your â¹1 Crore policy document on email instantly. Family is protected!"}],el=[{quote:"CoverTigerâs AI showed me exactly why â¹1 Crore made sense for my home loan and two kids. Bought it in 8 minutes flat. The comparison was so transparent â no agent pressure at all.",name:"Rahul Sharma",meta:"Softw
1are Engineer, Bengaluru \xb7 â¹1 Crore Plan"},{quote:"When my husband passed, CoverTigerâs claim team handled every document. â¹1 Crore was credited to my account in 4 days. I am forever grateful for their support during the difficult time.",name:"Priya Mehta",meta:"Homemaker, Delhi \xb7 â¹1Cr Claim Settled in 4 Days"},{quote:"Their AI saved me â¹3,800/year on my â¹1 Crore plan vs what I was about to buy. Same CSR, same features, lower premium. CoverTiger literally found money I didnât know I was overpaying.",name:"Amit Kumar",meta:"Business Owner, Mumbai \xb7 Saved â¹3,800/yr"}],ed=[["1,20,000+","Policies Sold"],["4.8 â","Average Rating"],["â¹1,000+ Cr","Sum Assured Sold"],["99%+","Claim Settlement Ratio"]],ec=[{q:"Who should buy a â¹1 Crore term insurance plan?",a:"Anyone earning between â¹7â15 lakh annually with dependents (spouse, children, parents) should buy a â¹1 Crore term plan. 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