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HDFC Sanchay Plus
Achieving personal milestones is crucial for securing your future. These milestones often come with added responsibilities, expenses, and the financia...
Unique Features
- Guaranteed Benefits
- Death Benefits
- Sample Premium Rates
HDFC Investment Plans
HDFC Super Income
HDFC Super Income Plan is a comprehensive, non-linked savings plan tha ...Read More
🛡️ IRDAI Approved
⭐ 4.6/5 · 922 reviews
📊 80 years solvency ratio
✅ Minimum Age - 5 year% claim settlement ratio
🌐 Annual, half-yearly,+ pan-India
About HDFC Super Income
A quick read on what this HDFC Investment Plans term plan covers and why it might be a fit for you.
HDFC Super Income Plan is a comprehensive, non-linked savings plan that provides a combination of regular income and insurance coverage. It offers nine different plan options, allowing you to choose premium payment and policy terms that suit your needs. Key features include regular income from the 2nd year onward and 3.4% to 12.5% additional survival benefit until the policy tenure.
This plan is suitable for individuals seeking a balance of regular income and life insurance protection to support their long-term financial goals and families in their absence.
HDFC Super Income Plan offers a range of benefits including:
- 9 Optional Covers
- Regular Income
- Affordable Premiums
- Tax Benefits
- Death Benefit
- Maturity Benefit
Eligibility Criteria for HDFC Super Income
Entry age
Minimum Age - 30 Days Maximum Age - 59 years
Maturity age
Maximum Maturity Age - 75 years
Policy tenure
15 to 27 years
Premium payment term
NA
Premium payment frequency
Monthly, Quarterly, Half-Yearly, Annual
Sum assured
18,547 to No Limit
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Flexible premium payment
- Guaranteed survival benefits
- Regular income
Cons
- No specific coverage for pre-existing conditions
- Suicidal exclusion
- No auto-cover continuance
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
Minimum entry age: 30 Days
Maximum entry age: 59 years
Minimum sum assured: Rs 18
Maximum sum assured: No Limit
Maximum policy term: 27 years
Waiting Periods for HDFC Super Income Plan
The HDFC Super Income Plan typically does not have a waiting period for death benefits. However, for specific details regarding any waiting periods for other benefits, it is advisable to refer to the official policy document or contact HDFC Life Insurance directly.
Benefits of HDFC Super Income
The premium for the HDFC Super Income Plan is determined by several factors, including your age, chosen policy term, premium payment term, sum assured, and any optional riders. You can calculate your premium online by providing these details on the PolicyX.com website or by contacting an advisor.
Key factors influencing premiums:
- Age of the insured
- Policy term
- Premium payment term
- Sum Assured
- Riders chosen (if any)
Features of HDFC Super Income
Key features that make HDFC Super Income stand out.
Multiple Plan Options
The plan offers a choice of 9 unit-linked fund options to match your risk tolerance and financial goals.
Regular Income
It offers a regular income for 8 to 15 years after completing the premium payment term.
Survival Benefit
It offers guaranteed survival benefits varying from 3.4% to 12.5% of the sum assured each year during the payout period.
Flexible Terms
It offers flexible premium payment and policy term options to meet the diverse needs of customers.
Documents Required for HDFC Super Income
Keep these documents handy when applying for HDFC Super Income.
Photo ID Proof
Photo ID Proof (any one) - Passport, Aadhaar card, PAN card, Driving license.
Age Proof
Age Proof (any one) - Passport, Aadhaar card, PAN card, Driving license.
Address Proof
Address Proof (any one) - Utility bill, passport, voter ID, ration card.
Medical Records
Medical Records of the policyholder, if requested.
Income Proof
Income Proof (any one) - Bank statement, last three months' salary slips (if salaried).
Exclusions of the HDFC Life Insurance Super Income Plan
- If the policyholder commits suicide within 12 months from the date of policy purchase, the nominee or beneficiary shall be entitled to at least 80% of the total premiums paid or the surrender value available, whichever is higher.
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HDFC Super Income Plan: FAQs
The 7 most-asked questions about HDFC Super Income, answered.
There are a total of 9 plan options available.
Your final maturity amount is calculated based on guaranteed and non-guaranteed returns, which are expected to have between (4-8)%.
30 days
There are two different payout periods available: monthly & yearly.
The loan facility is available under the HDFC super income policy.
15 years.
From the Second year onwards.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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