Insurance Flow

BYLD Capital distribution — insurance product journey

MIA Chatbot-First UX
Insurance
IRDAI CA License • Composite Corporate Agent
Choose Category
🛡
Term Life
Pure protection
🏥
Health
Medical cover
💰
Endowment
Savings + cover
✅
Guaranteed
Fixed returns
🚗
Motor
Vehicle cover
✈️
Travel
Trip protection
M
Ask MIA to find the right cover
AI-powered needs analysis in 2 minutes
›
Your Policies
🛡
HDFC Click 2 Protect
₹1 Cr cover • Till age 60
Active
🏥
ICICI Health Booster
₹10L cover • Family floater
Active
Insurance is the subject matter of solicitation. IRDAI is not involved in activities like selling insurance directly or indirectly. BYLD acts as a licensed Composite Corporate Agent.
1 — Insurance Category Selection
9:41
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‹
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MIA — Insurance
Needs Analysis
IRDAI
4 / 5
M
Let's find the right insurance for you. A few quick questions and I'll have personalized recommendations ready. 🛡
M
First, what's your age?
Your Age
32
Tap to edit
32 years old
M
Got it! Do you have any dependents who rely on your income?
Yes
No
Yes
M
How many dependents?
1
2
3
4+
2 — spouse & child
M
Almost there. Any existing health conditions? Select all that apply.
None
Diabetes
Hypertension
Heart condition
Asthma
Other
No health conditions
M
Analyzing your profile... ✅

Based on your age (32), 2 dependents, and clean health history, here's what I recommend:
MIA's Recommendation
Cover needed ₹1.5 Cr
Type Term Life Insurance
Till age 60 years
Est. premium ₹850 – ₹1,100/mo
Income replacement: 15x Loan coverage included
View Plans →
Adjust Inputs
Ask MIA anything about insurance...
2 — MIA Needs Analysis (Chatbot)
Recommendations
Top picks for you
Based on MIA's analysis • Term Life • ₹1.5 Cr
All Plans
Level Cover
Increasing
Return of Premium
Sort by: Premium (Low to High)
Click 2 Protect Life
HDFC Life Insurance
₹1.5 Cr
Cover
₹892/m
Premium
98.5%
CSR
Terminal illness
Accidental death
Waiver of premium
Get Quote
Details
iProtect Smart
ICICI Prudential Life
₹1.5 Cr
Cover
₹945/m
Premium
97.8%
CSR
30 critical illnesses
Income benefit
Get Quote
Details
Smart Secure Plus
Max Life Insurance
₹1.5 Cr
Cover
₹1,078/m
Premium
99.3%
CSR
Highest CSR
Disability rider
Cancer cover
Get Quote
Details
Premium shown is indicative for a healthy non-smoking male, age 32. Actual premium may vary based on medical underwriting. Past CSR is not indicative of future claim settlement.
2 plans selected
Compare Plans
3 — Insurance Recommendations
Plan Details
Click 2 Protect Life
HDFC Life Insurance Co. Ltd.
★★★★☆ 4.2 • 1.2K reviews
Select Cover Amount
₹50L
₹425/m
₹1.5 Cr
₹892/m
₹2 Cr
₹1,480/m
Base Premium ₹9,310
Accidental Death Rider ₹395
GST (18%) ₹1,747
Annual Premium ₹11,452
Waiting Periods
Suicide exclusion: First 12 months from policy start
No waiting period for accidental death claims
Critical illness rider: 90 days waiting
Key Exclusions
Death due to self-inflicted injuries within 12 months
Death while under influence of drugs (non-prescribed)
Death from participation in hazardous activities
War, terrorism, nuclear perils
Claim Process
1
Intimate claim via app, email or call within 90 days
2
Submit death certificate & policy documents
3
Claim assessment completed within 30 days
4
Payout credited to nominee account via NEFT
Get Quote
Add to Compare
IRDAI CA License • ARN-XXXXXX
For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding a sale. Tax benefits are subject to changes in tax laws. Insurance is the subject matter of solicitation.
4 — Product Detail
Insurance Consultation
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