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It is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. It is an intelligent term plan that provides benefits as per your altering lifestyle and life stage needs and helps you stay truly protected.
A hassle-free online plan, offering quick policy issuance
Provides comprehensive financial protection to your family
Multiple payout options to choose from
The option of Regular, Limited & single Premium Payment Term
Rewards you for a healthy lifestyle
Special premium rates for female lives and non-tobacco users
Death Benefit is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the highest of:
Sum Assured on Death for Single Pay (SP) is the higher of:
Benefit on the diagnosis of Critical Illness:
On diagnosis of any of the covered critical illnesses, the applicable Critical Illness (CI) SA at the time of diagnosis of the disease, will be payable to you. In addition, all future premiums payable under the plan will be waived o‑ and the life cover continues.
Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the higher of:
Maturity Benefit:
On survival until Maturity, Sum Assured on Maturity will be payable.
Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefit is selected, Nil otherwise.
Upon the payment of death or maturity benet as above, the policy terminates and no further benefits are payable.
| Feature | Specification |
| Age (as on last birthday) |
Minimum: 18 Years Maximum:65 Years |
| Age at Maturity | 85 Years |
| Policy Tenure |
Minimum: 10 Years Maximum: 30 Years |
| Sum Assured | Minimum: 20 Lacs Maximum: No Limit |
| Premium Paying Term | Single pay, Regular pay, Limited pay. Years |
| Premium Paying Mode | Single, Monthly, Quarterly, Semi annually, Annually. |
| Maturity Proceeds | Maturity Benefit: On survival until Maturity, Sum Assured on Maturity will be payable. Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefit is selected, Nil otherwise. Upon the payment of death or maturity benet as above, the policy terminates and no further benefits are payable. |
| Plan Type | Online |
| Grace Period | Grace period of 30 days for yearly half yearly and quarterly frequencies. and 15 days for monthly frequency from the premium date due. |
We offer the following Rider options (as modified from time to time) to help you enhance your protection:
|
Rider |
UIN |
Scope of Benefits |
|
HDFC Life Income Benet on Accidental Disability Rider |
101B013V03 |
A benefit equals to 1% of Rider Sum Assured per month for the next 10 years, in case of an Accidental Total Permanent Disability. There is no maturity benefit available under this rider. |
|
HDFC Life Critical Illness Plus Rider |
101B014V02 |
A lump sum benefit equal to the Rider Sum Assured shall be payable in case you are diagnosed with any of the 19 Critical Illnesses and survive for a period of 30 days following the diagnosis. There is no maturity benefit available under this rider |
|
HDFC Life Protect Plus Rider |
101B016V01 |
A benefit as a proportion of the Rider Sum Assured shall be payable in the case of accidental death or partial/total disability due to accident or if you are diagnosed with cancer as per the option chosen under this rider. No maturity benefit is payable under this rider. |
|
Policy Year |
Life Cover SA |
CI SA |
|
1st |
40.0 lakh |
10.0 lakh |
|
2nd |
38.5 lakh |
11.5 lakh |
|
3rd |
37.0 lakh |
13.0 lakh |
|
4th |
35.5 lakh |
14.5 lakh |
|
5th |
34.0 lakh |
16.0 lakh |
|
6th |
32.5 lakh |
17.5 lakh |
|
7th |
31.0 lakh |
19.0 lakh |
|
8th |
29.5 lakh |
20.5 lakh |
|
9th |
28.0 lakh |
22.0 lakh |
|
10th |
26.5 lakh |
23.5 lakh |
Tax benefits under this plan may be available. Premiums paid by an individual or HUF under this plan and the benefits received from this policy may be eligible for tax benefits as per the applicable sections of the Income Tax Act, 1961, as amended from time to time. You are requested to consult your tax advisor for advice on Tax Benefits.
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