Archive · 19 Nov 2025
India's Term Insurance Trends: South Leads in Rider Uptake, Women Prefer CI Riders
In India, more people are buying extra protection for their term insurance, with South India leading the way.
Women are more likely to choose Critical Illness riders, while men prefer Accidental Death and Total Permanent Disability covers.
Hyderabad has the highest preference for bundled protection, and the NRI segment shows stable demand for comprehensive coverage.
The Waiver of Premium attachment has also gained popularity, especially among women.
South India leads with over 45% customers adding extra protection layers
Critical Illness riders gain traction among women and higher sum insured
Hyderabad leads nationwide with strongest preference for bundled protection
NRI segment shows stable demand at ~40–43% for comprehensive coverage
Waiver of Premium attachment gains momentum by 42.5%
- Who
- Term insurance buyers in India
- What
- Are increasingly adding extra protection layers to their policies
- When
- As of October 2025
- Where
- India, with South leading the trend
- Why
- To ensure comprehensive financial security against various risks
Men's Preference
Women's Preference
Accidental Death & Total Permanent Disability Riders
Men's Preference
Men show a stronger preference
Women's Preference
Women show less preference
Critical Illness Riders
Men's Preference
Men show less preference
Women's Preference
Women show a stronger preference, especially with cancer screening features
- Rider Uptake Leader
- South India (46%)
- Rider Uptake Trailing Region
- North India (23%)
- CI Rider Adoption Leader
- Hyderabad (12-13%)
- WOP Attachment Growth
- 42.5% (July '25 to Oct '25)
- ATPD Rider Attachment among NRIs
- 42.1% (Oct '25)