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Life Raksha Plan
789-/ per month
VS
Hdfc Life Sanchay Legacy
690-/ per month
ICICI Pru Life Raksha is a simple pure protection plan offering death benefits ranging from INR 50,000 to INR 5 lakhs.
The plan is offered by ICICI Pru Life Insurance company and comes with tax benefits against the premiums that you pay. The premium payment term of the Life Raksha plan is regular pay for 5 years. It is to be noted that this plan does not come with any maturity or surrender benefits.
Here are some benefits of this plan:
| PLAN DETAILS |
Life Raksha Plan |
Hdfc Life Sanchay Legacy |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 70 years | Maximum Maturity Age - NA |
| Plan Sum Assured | 10 times annual premium | Base sum assured: 1.25 times the Single Premium |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 60 years | Minimum Age - 40 years Maximum Age - 75 years |
| Plan Payment modes | Annual, half-yearly, quarterly & monthly | Annually, Half-yearly, Monthly, Quarterly |
| Plan Policy loan | Policy loan is not available under ICICI Life Raksha Plan | The policy loan is not available under HDFC Life Sanchay Legacy Plan |
| Plan Sample Premium | Rs 789-/ per month | Rs 690-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 5 years Maximum term - 5 years | Whole Life |
| Claim Settlement Ratio (2024-25) | 99.33% | 99.68% |
|
ICICI Prudential Term Insurance HDFC life sanchay par advantage plan full details | HDFC LIFE Sanchay Par Advantage Benefits |
||
* 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 term insurance plans using the PolicyX Term Insurance Calculator.
You can add the following riders to your HDFC Life Sanchay Legacy Plan:
Under this rider, upon the Accidental Total Permanent Disability, a benefit equal to 1 % of the rider sum assured per month will be payable for the next ten years.
Under this rider, upon the diagnosis of any listed 19 critical illnesses- a sum assured equal to the rider sum assured will be payable.
A Benefit equal to the rider sum assured will be payable in case of accidental death or partial/total disability due to an accident.
Under this rider, a lump sum benefit equal to the rider sum is assured upon diagnosing any of the covered 60 Critical Illnesses, such as Stage Cancer / Major Cancer.
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