Hdfc Assured Gain Plus vs Icici Prudential Savings Suraksha Life Insurance Plan 2026 | PolicyX
Buy Now
Summarize with
ChatGPT Claude Perplexity

Google Ratings (2500+)

★★★★★

11+ Years

IRDAI Approved

5M+

Quotes Generated

100K+

Happy Customers

PolicyX is one of India's leading digital insurance platforms

Know More About Plans

HDFC Life Assured Gain Plus is a non-linked participating savings life insurance plan offering financial protection to your family after your demise and a saving component to help you plan your finances for the future.

This plan gives you exclusive features such as:

  • Coverage for the full policy term while you pay for just five years.
  • Guaranteed sum assured on maturity.
  • Increasing sum assured through bonuses.
  • Rider protection for enhanced coverage.
PLAN DETAILS

Hdfc Assured Gain Plus

Icici Prudential Savings Suraksha
Premium Including GST
Key Features
(Key features of the plan)
  • Limited Premium Payment Term
  • Guaranteed Sum Assured
  • Terminal Bonus Benefit
  • Guaranteed additions
  • Multiple premium options
  • Additional bonuses
Plan Maturity age Maximum Maturity Age- 80 years Maximum Maturity Age: 70 years
Plan Sum Assured Limited, Single Limited Pay (5, 7, 10, 12 years) and Regular Pay
Plan Entry Age Min- 3 years, Max- 65 years Minimum age: 0 years, Maximum age: 60 years
Plan Payment modes No limit 7 to 10 times the annual premium
Plan Policy loan Monthly, Quarterly, Half-Yearly or Annually Monthly, Half-yearly, and Yearly
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term 12, 15 years 10 to 30 years
Claim Settlement Ratio (2024-25) Minimum Age - 5 year Minimum Age - 5 year

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above life insurance plans using the PolicyX Life Insurance Calculator.

Riders

How to Calculate Premiums for HDFC Life Assured Gain Plus

The premium for HDFC Life Assured Gain Plus depends on several factors, including your age, desired sum assured, policy term, and premium payment frequency. You can calculate your premium by:

  • Using the online premium calculator available on PolicyX.com or HDFC Life's official website.
  • Contacting a financial advisor from PolicyX.com for a personalized quote.

Benefits of HDFC Life Assured Gain Plus

There are various benefits to buying the HDFC Life Assured Gain Plus. Let’s understand each of them in detail:

  • Death benefit: Upon the unfortunate death of the life insured during the policy term, HDFC Life Assured Gain Plus will pay the nominee:
    • Sum Assured on death.
    • Applicable Guaranteed Terminal Additions.
    • Vested Simple Reversionary Bonus, if declared.
    • Terminal Bonus, if declared.
  • Maturity benefit: Upon the completion of the policy term, survival benefits will be paid as follows: Sum Assured on Maturity + Applicable Guaranteed Terminal Additions + Vested Simple Reversionary bonus, if declared + Terminal Bonus, if declared.
  • Guaranteed terminal addition: Guaranteed terminal addition is the amount that adds up to your sum assured starting in the policy's 5th anniversary year.
  • Reduced Paid-Up: The policy will be converted into a Reduced Paid-Up policy automatically if you stop paying premiums once your policy has acquired a surrender value. The payout benefit on death/maturity is estimated by dividing the premiums paid by the premiums payable under the policy.

Compare with Other Plans

Other Life Insurance Companies

Life Insurance Articles

Free Expert Advice

Consult for Personalised Insurance Advice

Get guidance from IRDAI-certified experts — zero cost, zero spam.
Our advisors help 1M+ Indians choose the right life plan every year.

★★★★★ 4.5+ on Google · 2,500+ reviews
NG
Expert Reviewed

Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

You May Also Know About:

Term Insurance Life Insurance Life Insurance Companies Child Plans Investment Plans Pension Plans ULIP Plans
📞 Call Free