Hdfc Life Uday Plan vs Hdfc Life Guaranteed Income Plan 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 Life Guaranteed Income Plan
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 - 65 years
Plan Sum Assured Minimum: 8 years Maximum: 10 years 8 to 10 years
Plan Entry Age Minimum Age: 18 years Maximum Age: 55 years Minimum Age - 18 years Maximum Age - 49 years
Plan Payment modes Minimum: Rs. 28,465 Maximum: No limit Minimum - Depends on Monthly Premiums Maximum - No Limit
Plan Policy loan Monthly, Quarterly, Half-Yearly, or Annually Annual, Semi-Annual, Monthly, Single
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term 12 to 15 years 16 to 20 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

Benefits of  HDFC Life Guaranteed Income Plan 

There are various benefits to buying the  HDFC Life Guaranteed Income Plan . Let’s understand each of them in detail:

  • Survival benefit or Regular Guaranteed Income (GI): The survival benefit, or regular guaranteed income (GI), is the income you will receive regularly, such as monthly or yearly, for the remaining policy term.
  • Maturity benefit: Upon the completion of the policy term, HDFC Life Guaranteed Plus will pay the sum assured as per the plan. 
  • Guaranteed death benefit (GDB): The guaranteed death benefit is the amount your nominee will receive upon your unfortunate demise. The payment of Guaranteed death benefits to GDB will be as follows:
  • Income tax benefit: All the premiums paid during the same financial year can be used as Tax rebates under section 80C of income tax in 1961. 

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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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