Quick Protect Plan vs Pos Saral Bachat Yojana Term Insurance Plan 2026 | PolicyX

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HDFC Life Quick Protect is a comprehensive term insurance plan that provides coverage against death, disease, and disability. The plan is highly customizable with flexible term coverage and various sum-assured options. The entry age for Quick Protect solution by HDFC Life is 18 to 50 years, while the maximum maturity age is 75 years. The plan is considered one of the best term insurance plan offers you protection against 19 critical illnesses with the critical illness rider option and life cover with 2X coverage for accidental coverage. A regular monthly income payable for 10 years in case of Accidental Total Permanent Disability is also one of the features of the plan.

HDFC Life Quick Protect Plan offers you a range of benefits including:

  • Life Protect Option
  • Accidental Death Benefit
  • Multiple Premium Paying Term
  • Tax Benefits as per laws
  • Affordable Premiums
  • Income Benefit on Accidental Disability Rider
PLAN DETAILS

Quick Protect Plan

Pos Saral Bachat Yojana

Premium Including GST
Key Features
(Key features of the plan)
  • High Sum Insured
  • 19 Critical Illness Cover
  • Accidental Death Benefit
  • Return of premium
  • Affordable premiums
  • Tax benefits
Plan Maturity age Maximum Maturity Age - 75 years Maximum Maturity Age - 65 years
Plan Sum Assured Basic Sum Assured: Rs. 25 Lakhs to 1.25 Cr Basic Sum Assured: ₹40 Thousands to ₹10 Lakhs
Plan Entry Age Minimum Age - 18 years Maximum Age - 50 years Minimum Age - 8 years Maximum Age - 55 years
Plan Payment modes Yearly, half-yearly, quarterly & monthly Annual, Semi-Annual, Quarterly, and Monthly
Plan Policy loan The policy loan is not available under HDFC Quick Protect Plan. The policy loan is not available under Bharti AXA Life POS Saral Bachat Yojana.
Plan Sample Premium Rs 876-/ per month Rs 630-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 10 years Maximum term - 40 years Minimum term - 5 years Maximum term - 50 years
Claim Settlement Ratio (2024-25) 99.68% 99.18%
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* 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.

Riders

Riders Associated with HDFC Quick Protect Plan

You can add the following riders to your HDFC Quick Protect Plan:

HDFC Life Critical Illness Rider

A lump sum amount is offered in case the policyholder is diagnosed with any of the 19 critical illnesses.

HDFC Life Accidental Death, Disability and Dismemberment Rider

Get an extra payout on top of the base cover in case of accidental death, dismemberment and total and permanent disability.

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