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Term With Return Of Premium Plan
1123-/ per month
VS
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Smart Term Edge Plan
689-/ per month
| PLAN DETAILS |
Term With Return Of Premium Plan |
Smart Term Edge Plan |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 85 years | Maximum Maturity Age - 75 years |
| Plan Sum Assured | Basic Sum Assured: Rs. 10 Lakhs to 25 Lakhs | Basic Sum Assured: Rs. 25 Lakhs to no limit |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 50 years | Minimum Age - 18 years Maximum Age - 60 years |
| Plan Payment modes | Yearly | Yearly, half-yearly & 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 HDFC Life Smart Term Edge Plan. |
| Plan Sample Premium | Rs 1123-/ per month | Rs 689-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 10 years Maximum term - 30 years | Minimum term - 12 years Maximum term - 30 years |
| Claim Settlement Ratio (2023-24) | 99.7 | 99.7 |
|
HDFC Term Insurance Plans HDFC Term Insurance Plans |
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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.
HDFC Term with Return of Premium Plan offers comprehensive protection, which helps the insured secure their family with Zero-Cost Term insurance by the return of base premium. This non-linked and non-participating saving life insurance plan ensures financial security for your family. The plan includes many features, such as the ability to get insurance coverage without medical tests, a return of the total premium paid upon policy completion, and flexible premium payment options. A person aged between 18 to 50 years can buy the plan and avail of the benefit of sum-assured options from 5 lakh to 25 lakh.
HDFC Term with Return of Premium Plan offers you a range of benefits including:
You can add the following riders to your HDFC Term with Return of Premium Plan:
Get an extra payout on top of the’s base cover on accidental death.
Get an extra payout on top of the base cover on total and permanent disability due to an accident.
Get additional coverage if you are diagnosed with a pre-specified critical illness.
In this rider, your future premium will be waived if you become disabled or seriously ill and are unable to work.
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