INDIVIDUALS INSURANCE BASICS

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Compare Investment and Savings Plans
INSURANCE BASICS ( /INSURANCE-KNOWLEDGE-CENTRE/ABOUT-LIFE-INSURANCE/ )
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With numerous insurance companies o ering multiple investment plans, one must compare
investment plans in India before finalizing the policy. One can opt for guaranteed income
plan (/savings-investment-plans/super-income-plan) o ering fixed payouts a er a specific
duration, or opt for investment funds that generate returns through diversified fund
allocations. Read ahead and compare savings and investment plans of three HDFC Life
products.
Compare Savings and Investment Plans by HDFC Life

HDFC Life Click2Invest ULIP Plan

Entry Age: 30 days to 65 years

Maturity Age: 18-75 years
Minimum Sum Assured: One of the three:
7 times annualized premium if age of entry is greater than 55 years;
10 times annualized premium if age of entry is less than or equal to 55 years;
125% of Single Premium

Minimum Premium: Rs. 1,000 monthly/ Rs. 3,000 quarterly/ Rs. 6,000 half-yearly/ Rs.
12,000 annual/ Rs. 24000 single

Minimum Maturity Benefits: Fund value equivalent to No. of units policy holders fund
multiplied by the unit price prevailing at time of maturity.

Minimum Death Benefits: Highest of Sum Assured, or Fund Value, or105% of all
premiums paid

Accidental Death Benefit: NA Chat to Buy Online Plan

Partial Withdrawal/Loans: Allowed a er completion of five years of the policy
Policy Term: 5-20 years
Payment Options: Single Pay or Limited for 5/7/10 years or Regular for 5-20 years
Premium Frequency:Quarterly/Half Yearly/Annual
80CCCTax Benefits: Yes
10 (10D)Tax Benefits: Yes
Fund Allocation: Option of investing in a combination of funds with risk rating ranging
from Low to Very High.
Click Here (https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-
ulip-plan?source=W_KC_Compare_UC1)to Buy this Plan Online

HDFC Life Super Income Plan

Entry Age:For policy term of:
1. 16 years- 2-59 years.
2. 18 years- 30 days to 57years
3. 20 years- 30 days to 55 years
4. 22 years- 30 days to 53 years
5. 24 years- 30 days to 51 years
6. 27 years- 30 days to 48 years

Maturity Age:18-75 years

Minimum Sum Assured:Rs. 1,28,337/-
Minimum Premium:Rs. 2,000 monthly/ Rs. 6,000 quarterly/ Rs. 12,000 half-yearly/ Rs.
24,000 annual.

Minimum Maturity Benefits:Depending on time of payout:

1. At end of each payout year- A fixed percentage of the sum assured as Guaranteed Base
Income
2. At maturity: Last Guaranteed Base Income payout + Bonuses

Minimum Death Benefits:In case of death during the term of the policy, the nominee
will receive highest of Sum Assured on Death+ Bonuses, or 105% of all premiums paid Sum
Assured on Death is the higher of
1. Maturity Sum Assured, or
2. 10 times the annualized premium if entry age is less than or equal to 50 years
3. 7 times the annualized premium if entry age is greater than 50 years.

Accidental Death Benefit:NA

Partial Withdrawal/Loans:Loan of 80% of surrender value allowed
Chat to Buy Online Plan
Policy Term:16-27 years
Payment Options:Multiple Options
1. Premium payment for 8 years and payout period of 8 years
2. Premium payment for 8 years and payout period of 10 years
3. Premium payment for 10 years and payout period of 10 years
4. Premium payment for 10 years and payout period of 12 years
5. Premium payment for 12 years and payout period of 12 years
6. Premium payment for 12 years and payout period of 15 years

Premium Frequency:Quarterly/Half Yearly/Annual

80CCCTax Benefits:Yes
10 (10D)Tax Benefits:Yes
Fund Allocation:NA
Click Here (https://onlineinsurance.hdfclife.com/?
source=W_KC_Compare_MBU&category=CC&firstname=&mobilenumber=&city=&dob=&email=&productcode=MBU)to
Buy this Plan Online

HDFC Life Super Savings Plan

Entry Age:30 days to 60 years
Maturity Age:18-75 years
Minimum Sum Assured:Rs. 2,45,155
Minimum Premium:Rs. 2,000 monthly/ Rs. 6,000 quarterly/ Rs. 12,000 half-yearly/ Rs.
24,000 annual

Minimum Maturity Benefits:Sum assured + accrued simple reversionary bonuses,

interim bonus, and terminal bonus.

Minimum Death Benefits:Depending on time of death: Death during the term of the
policy, the nominee will receive highest of:
1. Sum Assured, or
2. 10 times the annualized premium, or 105% of all premiums paid
In case of death a er the policy is fully paid-up, highest of
1. Paid-up sum assured, or
2. 105% of all premiums paid

Accidental Death Benefit:In case of accidental death of the life assured aged not less
than 18 years on the date of death, an additional sum assured shall be paid over and above
the policys death benefit.

Partial Withdrawal/Loans:Loan of 80% of surrender value allowed

Policy Term:15-30 years Chat to Buy Online Plan
Payment Options:Regular
Premium Frequency:Quarterly/Half Yearly/Annual
80CCCTax Benefits:Yes
10 (10D)Tax Benefits:Yes
Fund Allocation:Option of investing in a combination of funds with risk rating ranging
from Low to Very High.
Click Here (https://onlineinsurance.hdfclife.com/?
source=W_KC_Compare_EAV&category=CC&firstname=&mobilenumber=&city=&dob=&email=&productcode=EAV)to
Buy this Plan Online

Similar Articles
HDFC Life Click2Invest ULIP Plan (/savings-investment-plans/click-2-invest-ulip-plan)
Savings and Investment Plans (/savings-investment-plans)
Compare Term Insurance Plans C2P Plus and C2P (/insurance-knowledge-centre/about-life-
insurance/term-insurance-comparison)
Compare Life Insurance Policies In India (/insurance-knowledge-centre/about-life-
insurance/money-back-plans-comparison)

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Products o ered by HDFC Life :

Chat to Buy Online Plan
HDFC Life Click 2 Invest - ULIP
(/savings-investment-plans/click-2-invest-ulip-plan)

Choose from 8 fund options more... (/savings-investment-plans/click-2-invest-ulip-plan)

Flexible premium paying terms

Flexible policy term

Tax benefits under Sec 80C and Sec 10(10D)

KNOW MORE (/SAVINGS-INVESTMENT-PLANS/CLICK-2-INVEST-ULIP-PLAN)

CALCULATE PREMIUM (HTTPS://ONLINEINSURANCE.HDFCLIFE.COM/BUY-ONLINE-INVESTMENT-PLANS/CLICK-2-INVEST-ULIP-PLA

HDFC Life Click 2 Retire

(/retirement-and-pension-plans/click-2-retire)

Online Unit-linked Pension Plan more... (/retirement-and-pension-plans/click-2-retire)

Minimal Charges

Lower maturity age of 45 yrs

Tax benefits under Sec 80 C & 10 (10A)

Chat to Buy Online Plan

KNOW MORE (/RETIREMENT-AND-PENSION-PLANS/CLICK-2-RETIRE)
 KNOW MORE (/RETIREMENT AND PENSION PLANS/CLICK 2 RETIRE)

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HDFC Life Cancer Care

(/health-insurance-plans/cancer-care-insurance)

Lumpsum benefit plan more... (/health-insurance-plans/cancer-care-insurance)

3 plan options available

No medicals required

Tax benefits under Sec 80 D

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