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The only long-term disability insurance product that I have seen on offer by Indian insurance companies is Tata AIG’s Secured Future Plan. The insurance payout scenario is excellent: at the highest level you get Rs 35,000 per month guaranteed for 20 years.
However, no one at Tata AIG wants to sell you this policy!
I’ve tried multiple channels/approaches, but each time they act as if I’m speaking an alien language and then try their best to peddle one of their other lamer policies. I’ve now escalated this issue to the head of customer support. Let’s see what happens.
By any chance, have you purchased/researched this policy?
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