Smart Term Edge Plan vs Digit Glow Term Insurance Plan Term Insurance Plan 2026 | PolicyX
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HDFC Life Smart Term Edge is a comprehensive term protection plan offering flexible options like Classic, Step-Up, and Comprehensive, with coverage up to age 75. It provides a 150% return of premium at maturity, a lump sum death benefit, and the option to
PLAN DETAILS

Smart Term Edge Plan

Digit Glow Term Insurance Plan
Premium Including GST
Key Features
(Key features of the plan)
  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit
  • Health Wellness Benefits
  • Flexible Premium Payment Tenure
  • Additional Rider Benefits
Plan Maturity age Maximum Maturity Age - 75 years Maximum maturity age- 85 years
Plan Sum Assured Basic Sum Assured: Rs. 25 Lakhs to no limit Base Sum Assured- 2.25 lakhs to 1 crore
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Yearly, half-yearly & monthly Yearly, half-yearly, quarterly, and monthly
Plan Policy loan The policy loan is not available under HDFC Life Smart Term Edge Plan. Policy loan is not available
Plan Sample Premium Rs 689-/ per month Rs 654-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 12 years Maximum term - 30 years Minimum policy term- 1 year, Maximum policy term- 40 years
Claim Settlement Ratio (2024-25) 99.68% 99.53%
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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.

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