The situation for Child life insurance has improved quite a lot in India as many companies now offer the same as different schemes. The earlier scenario was not much encouraging with only a few companies offering the scheme and that too some careless ones with no thought and planning. The situation has changed a lot from there with many companies and many schemes which are all well designed and thought out so that there is a policy for every situation and every need the parents can think of , bringing too much competition and better service with it. The insurance sector with the introduction of international competition has improved a lot and there is still improvement going on that can totally change the industry.The first beneficiary of these changes is definitely the customer with so much to choose from and so much modified premiums. Child life insurance is one of the insurances a family chooses to have today. There are some more policies which also include medical schemes with life insurance. This is one of the most utility schemes as it can benefit in many circumstances. There will be mediclaim policy compare of many of the medical insurance companies but there are some insurance offers that are a combination of the two. To compare the medical insurances of different companies a person can do it through an agent or it can also be done with the help of the internet. With the agent there are chances of feeding some wrong information also as that can be deliberately done by the agent to promote the company paying more incentive or premium but still that can give an idea to the customer about the different schemes and which one for what purpose. Online medical policy compare is one of the best ways to go for comparing the different ways of medical insurance policies. It can be found tabulated and compared in some insurance specific websites or it can be done by self also by visiting and collecting data from different insurance company websites also.Among the many life insurance offerings term plan is the one which is catching the eyes of the customers more than the others. It has a comparatively low premium whether monthly or yearly , the return payout is much more and there is a fixed time frame for which the insurance is done. Altogether the scheme makes more sense to anyone who wants to safeguard the interests and security of their families. For these online term plan India is making too much inroads in to the insurance scenario. The customers are also welcoming this as there is no feeling of getting a lesser yield as that happens with a life insurance and investment combination. With Online term plan India there are no ambiguities and so that gives the customer more mental peace. There is also another issue. Since the return money is quite high this is the only insurance that can take care of most of the necessities of the dependents of the insurer , together with time frame this money issue makes the insurance widely accepted.