Smart Term Pro Plan vs Smart Term Edge Plan Term Insurance Plan 2026 | PolicyX
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HDFC Life Smart Term Pro is a versatile term insurance plan designed for comprehensive life coverage and financial security. It offers a return of total premiums paid on maturity, alongside enhanced protection through optional riders for accidental death
PLAN DETAILS

Smart Term Pro Plan

Smart Term Edge Plan
Premium Including GST
Key Features
(Key features of the plan)
  • Enhanced Protection Through Riders
  • Return of Premium
  • Surrender and Maturity Benefit
  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit
Plan Maturity age Maximum Maturity Age - 80 years Maximum Maturity Age - 75 years
Plan Sum Assured Basic Sum Assured Rs. 50,000 Basic Sum Assured: Rs. 25 Lakhs to no limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum Age - 18 years Maximum Age - 60 years
Plan Payment modes Annual, half-yearly, & monthly Yearly, half-yearly & monthly
Plan Policy loan The policy loan is not available under HDFC Life Smart Term Pro Plan. The policy loan is not available under HDFC Life Smart Term Edge Plan.
Plan Sample Premium Rs 645-/ per month Rs 689-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 15 years Maximum term - 40 years Minimum term - 12 years Maximum term - 30 years
Claim Settlement Ratio (2024-25) 99.68% 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.

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