Hdfc Life Uday Plan vs Icici Pru Cash Advantage 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

Icici Pru Cash Advantage
Premium Including GST
Key Features
(Key features of the plan)
  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
  • Guaranteed Cash Benefit
  • Life Cover
  • Policy Loan
Plan Maturity age Maximum maturity age: 70 years Maximum Maturity Age - 75 years
Plan Sum Assured Minimum: 8 years Maximum: 10 years 5/10 Years
Plan Entry Age Minimum Age: 18 years Maximum Age: 55 years Minimum Age - 30 Days, Maximum Age - 60 Years
Plan Payment modes Minimum: Rs. 28,465 Maximum: No limit Minimum - 7 times / Maximum - 10 times the available SA
Plan Policy loan Monthly, Quarterly, Half-Yearly, or Annually Annual / Half-yearly / Monthly
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term 12 to 15 years 15 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 ICICI Pru Cash Advantage

There are various benefits to buying the ICICI Pru Cash Advantage Plan. Let’s understand each of them in detail:

  • Death Benefit: In case of the unfortunate demise of the life assured during the policy term, a death benefit will be paid to the nominee.
  • Maturity Benefit: Upon the life assured’s survival till the end of the policy term, ICICI Pru Cash Advantage will provide a Guaranteed Maturity Benefit plus vested reversionary bonuses (if any) and a terminal bonus (if any). The plan also offers the flexibility to choose to receive the annual income under guaranteed, lifelong, and long-term income options.
  • Tax Benefits: This plan offers tax benefits under different sections, which can go up to INR 2.5 Lakh under Section 10(10)D.

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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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