COMPARE SHORT-TERM PLANS

Short-term plans help you make hay while the sun shines. These plans are designed to help those whose current expenses are low as compared to what they will be later.

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OneInsure Benefits

Buying a short-term plan is not the end of your journey, and we understand that. With OneInsure, experience the new way of purchasing, managing, and getting service support on all types of short-term investment policies.

Claim Assistance

Right from keeping your policies claim ready till claim settlement, we got everything covered!

Service & Support

Round the clock assistance from our team of subject matter experts on all types of short-term policies for a lifetime.

Competitive Rates

Compare short-tem plans and get the right policy at the most competitive rates.

OneInsure App

Experience the ease of managing your policies from anywhere and anytime.

Buying Advice from the Pros

Here are some time-tested nuggets of wisdom about short-term plans from the desk of our in-house insurance gurus. Use these points when you compare short-term plans.

Be Very Clear about the Goal

If you are not clear about the reasons you are opting for a short-term insurance plan or you don’t have a clear goal in mind, you will tend to stop premium payments because there will be some expense or the other that is more important or more urgent than keeping this plan active. When it comes to short-term insurance, be very specific with the goal.

Buy a Plan with a Higher Guarantee

There are plans out there that do not promise high guarantees. Avoid them. As such this is a short-term investment plan, and opting for plans that do not give higher guarantees is not proper financial planning.

The True Purpose of Short-term Plans

Short-term plans are NOT plans that give returns faster. They are plans where you are paying premiums for a shorter term. The true purpose of short-term plans is to give you the ability to create a healthy corpus (premium terms are flexible) when expenses are relatively lower compared to what they will be later in life. That’s what makes this a great short-term investment option.

Why Choose Short-term Plans?

Explore the reasoning behind choosing this dynamic plan and check whether it suits your purposes.

Flexibility in Premium Payments

Short-term insurance plans allow you to create a corpus of wealth while paying premiums for a short period of time. Moreover, you may choose to pay premiums from among various options, such as 5, 7, or 10 years.

One of the Best Intermediate Requirements Investment Tool

You may opt for a short-term plan specifically to cater to certain milestones in your life or in the lives of your family members. For example, you may choose a 5-15 plan (premiums for 5 years and maturity in 15) when your child is 6 years old to pay for the expenses of his graduation course, which will come up when he is 21 (exactly 15 years later).

Higher Guarantees with Shorter Terms

These plans, in addition to the advantages mentioned above, usually offer higher guarantees. In tandem with the shorter terms, it makes this a highly-attractive plan. If you are looking for short-term investment plans with high returns, this is the tool for you.

FAQ's

Know what you are buying! Before you make up your mind about your policy, it is recommended to go through our FAQs to understand the different aspects of a short-term insurance policy.

What is a short-term insurance plan?

Short-term insurance plans are plans where you are paying premium for short durations. A short-term insurance plan is NOT a plan where the returns are faster – this is a common misconception. In a majority of the cases, 5 years is the minimum premium-paying period.


Short-term insurance plans carry the advantages of death benefit, Income Tax benefit, surrender benefits, additional riders, and loan availing.


You can opt for short-term insurance plans for the following categories of insurance:

  • Investment
  • Child plans
  • Retirement plans
  • Money-back plans
Under what conditions are short-term plans better than full-term plans?

Short-term plans give you the ability to create a healthy corpus of wealth when expenses are relatively lower compared to what they will be later in your life. That’s what makes this a great short-term investment option. You may choose to pay premiums for the period of your choice.

Additionally, short-term plans can be opted for if you want to specifically save for certain milestones in your life or in the lives of your family members. For example, you may choose a 5-15 plan (premiums for 5 years and maturity in 15) when your child is 6 years old to pay for the expenses of his graduation course, which will come up when he is 21 (exactly 15 years later).

What are the types of short term investment plans?

Some of the most sought-after short term investment options are:

  • Short term insurance plans
  • Gold and silver
  • Fixed Deposit Account
  • Mutual funds

To decide what type of short term investment plans you must go with, consider the following aspects:

  • What are your short-term financial goals? When do you wish to achieve them?
  • How much risk can you bear?
  • How much return do you expect from your investment?

Short term investment plans are more desirable because they create compulsion to invest regularly. Besides, they provide higher returns compared to the other short term investment options.

To get a quote on short term investment plans, write to us at support@oneinsure.com or call 86-559-86-559.

Which are the top short term insurance investment plans?

Some of the frequently-opted-for short term investment plans with high returns include:


  1. Edelweiss Tokio Life’s Wealth Builder is a non-linked, non-participating short term policy. This plan that comes with different policy tenures can be chosen as a short term investment plan by selecting 10 years as the policy tenure.
  2. Birla Sun Life Insurance’s Vision Endowment Plus is a participating insurance plan. This plan has 10 years as its minimum policy tenure.
  3. Aegon Life’s Guaranteed Growth Insurance plan comes with 8 years of premium paying term and 10 years of policy tenure.
  4. Bharti Axa’s Samriddhi is a non-linked, participating endowment plan that comes with the minimum policy tenure of 10 years.
  5. Edelweiss Tokio Life’s GCAP is a non-linked, non-participating guaranteed return life insurance policy. It comes with the minimum policy tenure of 10 years.

If you require further assistance with short term insurance plans, feel free to get in touch with us by dropping us an email at support@oneinsure.com or call 86-559-86-559.

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