Smart Swadhan Supreme Plan vs Hdfc Click Supreme Term Insurance Plan 2026 | PolicyX
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Usually, a term plan provides financial security to your loved ones in return for the premium you have paid during the policy term. But once in a while, the thought of outliving your term insurance plan comes to your mind. Such as, what will happen if I survive the whole policy term? What will happen to my paid premiums? Will I get those back? Fortunately, term return of premium plans do so!

Such a plan is SBI Smart Swadhan Supreme which offers dual benefits of long-term protection along with the return of a premium option if you survive the whole policy term. It is a pure protection plan which offers protection at an affordable cost with the flexibility to choose a term from 10 to 30 years.

SBI Life Smart Swadhan Supreme Plan offers you a range of benefits including:

  • Return of Premium Benefit
  • Multiple Premium Payment Term
  • Tax Benefits As Per Laws
  • Flexible Policy Term
  • Life Cover Up To 75 Years
  • Death Benefit
PLAN DETAILS

Smart Swadhan Supreme Plan

Hdfc Click Supreme
Premium Including GST
Key Features
(Key features of the plan)
  • Maturity benefits
  • Flexible policy term
  • Tax benefits under section 80C
  • Choice of Plan Options
  • Return of Premium Option
  • Increasing Death Benefits
Plan Maturity age Maximum Maturity Age - 75 years Maximum Maturity Age - 85 years
Plan Sum Assured Basic Sum Assured: ₹25L to No LImit Base sum assured: Rs 10,000 to No Limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum Age - 18 years Maximum Age - 84 years
Plan Payment modes Yearly, Half-Yearly, and Monthly Monthly, Quarterly, and Half-yearly and Yearly
Plan Policy loan The policy loan is not available under SBI Smart Swadhan Supreme Plan. No Policy Loans are available under this plan.
Plan Sample Premium Rs 521-/ per month Rs 931/- per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 15 years Maximum term - 30 years 1 month to 85 years minus entry age
Claim Settlement Ratio (2024-25) 98.83% 99.68%
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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 SBI Smart Swadhan Supreme Plan

You can add the following riders to your SBI Smart Swadhan Supreme Plan:

SBI Life Accidental Death Benefit Rider

Accidental Death Benefits Rider provides an additional sum if the policyholder dies within 120 days of the accident.

SBI Life Accidental Total and Permanent Disability Rider

Accidental Total and Permanent Disability Rider covers the policyholder if any accident occurs that leads to the permanent disability of the policyholder.

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