Hdfc Life Uday Plan vs Icici Prudential Savings Suraksha 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 Prudential Savings Suraksha
Premium Including GST
Key Features
(Key features of the plan)
  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
  • Guaranteed additions
  • Multiple premium options
  • Additional bonuses
Plan Maturity age Maximum maturity age: 70 years Maximum Maturity Age: 70 years
Plan Sum Assured Minimum: 8 years Maximum: 10 years Limited Pay (5, 7, 10, 12 years) and Regular Pay
Plan Entry Age Minimum Age: 18 years Maximum Age: 55 years Minimum age: 0 years, Maximum age: 60 years
Plan Payment modes Minimum: Rs. 28,465 Maximum: 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 to 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

Benefits of ICICI Pru Savings Suraksha

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

  • Death benefits: In case of your demise during the policy tenure, your loved ones will receive death benefits to secure your family’s financial future even in your absence.
  • Guaranteed additions: This policy offers guaranteed additions every year, which increases the total maturity benefits paid at the end of the policy tenure.
  • Bonuses if declared: This policy may also attract various types of bonuses such as revisionary bonuses or terminal bonuses. These bonuses are not guaranteed and are paid only when declared by the company.
  • Maturity benefits: At the end of the policy tenure, maturity benefits are paid to the policyholder. The maturity benefits are the total of the guaranteed sum assured, any additions, or bonuses if declared.
  • Policy loan: You can avail of a loan against your policy. The loan amount is a maximum of 80% of the surrender value. Interest on the loan amount must be paid as per the set interest rates.

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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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