Term With Return Of Premium Plan vs Sampoorn Suraksha Plan Term Insurance Plan 2026 | PolicyX
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The HDFC Term with Return of Premium Plan offers life insurance coverage where all base premiums are returned at policy maturity, effectively providing "zero-cost" term protection. It includes a death benefit, tax advantages, and discounts for female live
PLAN DETAILS

Term With Return Of Premium Plan

Sampoorn Suraksha Plan
Premium Including GST
Key Features
(Key features of the plan)
  • Death Benefit
  • Reduced Paid Up Benefit
  • Discount On Large Sum Assured
  • Lump Sum Payouts
  • Sum Assured Reset Benefit
  • Waiver of Premium Benefit
Plan Maturity age Maximum Maturity Age - 85 years Maximum Maturity Age - 80 years
Plan Sum Assured Basic Sum Assured: ₹10 Lakhs to ₹25 Lakhs Basic Sum Assured: INR 10,000 per member to no limit
Plan Entry Age Minimum Age: 18 years, Maximum Age: 50 years Minimum Age: 16 years, Maximum Age: 79 years
Plan Payment modes Yearly Half Yearly, Quarterly, and Monthly
Plan Policy loan The policy loan is not available under HDFC Term With Return Of Premium Plan. The policy loan is not available under SBI Life Sampoorna Cancer Suraksha Plan.
Plan Sample Premium Rs 1123-/ per month Rs 546-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum Term: 10 years, Maximum Term: 30 years Minimum Term: 5 years, Maximum Term: 30 years
Claim Settlement Ratio (2024-25) 99.68% 98.56%
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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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