Hdfc Life Uday Plan vs Hdfc Assured Gain Plus Life Insurance Plan 2026 | PolicyX
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Invest today for a worry-free tomorrow with the HDFC Life Uday Savings Plan for a brighter future.

HDFC Life Uday, from HDFC Life Insurance, is a guaranteed savings plan that offers the dual benefit of wealth creation and family protection. Upon your unfortunate death, your family will receive a lump sum death benefit. If you outlive the policy term, you will receive a maturity benefit. You will also get 3% p.a. guaranteed additions during the first five policy years.

The insurer pays a cash bonus to the policyholder at the end of each financial year. If you do not wish to continue your policy, you can surrender it and receive a Guaranteed Surrender Value (GSV). The plan also offers Auto Cover Continuance, where your death benefit continues for the next year even if you miss a premium payment. HDFC offers a discount on a high sum assured of ₹2 lakhs and above.

HDFC Life Uday is a non-participating, non-linked savings life insurance plan.

HDFC Life Uday Plan offers a range of benefits including:

  • 2 Policy Term Options
  • Tax Benefits
  • Additional Death Benefits
  • Cash bonuses
  • Auto Cover Continuance
  • Discounts
PLAN DETAILS

Hdfc Life Uday Plan

Hdfc Assured Gain Plus
Premium Including GST
Key Features
(Key features of the plan)
  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
  • Limited Premium Payment Term
  • Guaranteed Sum Assured
  • Terminal Bonus Benefit
Plan Maturity age Maximum maturity age: 70 years Maximum Maturity Age- 80 years
Plan Sum Assured Minimum: 8 years Maximum: 10 years Limited, Single
Plan Entry Age Minimum Age: 18 years Maximum Age: 55 years Min- 3 years, Max- 65 years
Plan Payment modes Minimum: Rs. 28,465 Maximum: No limit No limit
Plan Policy loan Monthly, Quarterly, Half-Yearly, or Annually Monthly, Quarterly, Half-Yearly or Annually
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term 12 to 15 years 12, 15 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.

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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.

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