HDFC Health Insurance Policy

Who is this plan for ?

A unit linked plan with dual benefit of investment and life cover. This plan lets you build a wealth corpus for your retirement with regular premium payments

---

Special Features of this Policy

• Multiple premium payment modes
• Limited Pay
• Fund value at Maturity
• Surrender Benefit Present
• Switching
• Premium Redirection present

View more

---

What you can Claim for

Maturity of Policy

---

Fund Value of paid premiums at end of policy term.

@ 4%

₹ 3.86 Lakhs

Death of Insured

---

Nominee gets higher amount of :

₹ 3.86 Lakhs

Sum Assured

OR

Fund value

On that year

Benefits

Death Benefits:

• Highest (Sum Assured, Fund value, 105% of premiums paid)

Maturity Benefits:

• Accumulated Fund Value

Exclusions

• In case of death due to suicide, within 12 months from the date of inception or revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till date or the surrender value as available on the date of death.

Benefit Illustration

Sum assured: 1.50 Lakhs

Policy year	Age	Annual premium	Total charges	Taxes	Additions to fund	Fund value
1	10	15,000	264	48	0	15,283
2	11	15,000	465	84	0	30,935
3	12	15,000	674	121	0	46,962
4	13	15,000	890	160	0	63,371
5	14	15,000	1,110	200	0	80,171
6	15	15,000	1,334	240	0	97,374
7	16	15,000	1,562	281	0	114,992
8	17	15,000	1,792	323	0	133,038
9	18	15,000	2,026	365	0	151,526
10	19	15,000	2,278	410	0	170,449
11	20	15,000	2,537	457	0	189,819
12	21	15,000	2,802	504	0	209,645
13	22	15,000	3,073	553	0	229,938
14	23	15,000	3,351	603	0	250,709
15	24	15,000	3,635	654	0	271,970
16	25	15,000	3,926	707	0	293,732
17	26	15,000	4,224	760	0	316,006
18	27	15,000	4,528	815	0	338,805
19	28	15,000	4,840	871	0	362,142
20	29	15,000	5,160	929	0	386,028

Please note that the default fund selected for generating this Benefit Illustration is Opportunities Fund. You can change the fund allocation before making premium payment.

Eligibility

Criterion	Minimum	Maximum
Entry age	0 years	65 years
Policy term	5 years	20 years
Premium payment term	5 years	20 years
Maturity age	18 - 75 Years
Sum assured limit	Single Premium: 1.25 * Single Premium; Other Modes (RP & LP): Age <=55 : 10* Annual Premium; Age > 55: 7* Annual Premium
Annual premium	Rs 24,000 - No Limit
Premium payment frequency modes	Annual, Semi-Annual, Quarterly and Monthly

Insurer overview & claim record

HDFC Standard Life Insurance Company Limited also known as 'HDFC Life' is a joint venture between HDFC Ltd., India’s leading housing finance institution and Standard Life, a global long term investment savings player. It is a leading long-term life insurance company with its headquarters in Mumbai. It offers a range of life insurance policies to meet various customer needs such as Protection, Pension, Savings, Investment,etc. It also provides Children education, marriage and other Women specific plans.

Claims settlement ratio

97.62%

Solvency ratio

2%

Last updated : Sept-2017

Source : Insurer's public disclosure

 BUY NOW

 



Who is this plan for ?

A unit linked plan with dual benefit of investment and life cover. This plan lets you build a wealth corpus for your retirement with regular premium payments

---

Special Features of this Policy

• Multiple premium payment modes
• Limited Pay
• Fund value at Maturity
• Surrender Benefit Present
• Switching
• Premium Redirection present

View more

---

What you can Claim for

Maturity of Policy

---

Fund Value of paid premiums at end of policy term.

@ 4%

₹ 5.15 Lakhs

Death of Insured

---

Nominee gets higher amount of :

₹ 5.15 Lakhs

Sum Assured

OR

Fund value

On that year

Benefits

Death Benefits:

• Highest (Sum Assured, Fund value, 105% of premiums paid)

Maturity Benefits:

• Accumulated Fund Value

Exclusions

• In case of death due to suicide, within 12 months from the date of inception or revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till date or the surrender value as available on the date of death.

Benefit Illustration

Sum assured: 2.00 Lakhs

Policy year	Age	Annual premium	Total charges	Taxes	Additions to fund	Fund value
1	10	20,000	352	63	0	20,377
2	11	20,000	620	112	0	41,247
3	12	20,000	899	162	0	62,616
4	13	20,000	1,187	214	0	84,494
5	14	20,000	1,481	267	0	106,894
6	15	20,000	1,779	320	0	129,832
7	16	20,000	2,082	375	0	153,323
8	17	20,000	2,389	430	0	177,384
9	18	20,000	2,701	486	0	202,034
10	19	20,000	3,037	547	0	227,266
11	20	20,000	3,383	609	0	253,092
12	21	20,000	3,736	673	0	279,527
13	22	20,000	4,098	738	0	306,584
14	23	20,000	4,468	804	0	334,279
15	24	20,000	4,847	873	0	362,627
16	25	20,000	5,235	942	0	391,642
17	26	20,000	5,632	1,014	0	421,341
18	27	20,000	6,038	1,087	0	451,740
19	28	20,000	6,454	1,162	0	482,855
20	29	20,000	6,880	1,238	0	514,704

Please note that the default fund selected for generating this Benefit Illustration is Opportunities Fund. You can change the fund allocation before making premium payment.

Eligibility

Criterion	Minimum	Maximum
Entry age	0 years	65 years
Policy term	5 years	20 years
Premium payment term	5 years	20 years
Maturity age	18 - 75 Years
Sum assured limit	Single Premium: 1.25 * Single Premium; Other Modes (RP & LP): Age <=55 : 10* Annual Premium; Age > 55: 7* Annual Premium
Annual premium	Rs 24,000 - No Limit
Premium payment frequency modes	Annual, Semi-Annual, Quarterly and Monthly

Insurer overview & claim record

HDFC Standard Life Insurance Company Limited also known as 'HDFC Life' is a joint venture between HDFC Ltd., India’s leading housing finance institution and Standard Life, a global long term investment savings player. It is a leading long-term life insurance company with its headquarters in Mumbai. It offers a range of life insurance policies to meet various customer needs such as Protection, Pension, Savings, Investment,etc. It also provides Children education, marriage and other Women specific plans.

Claims settlement ratio

97.62%

Solvency ratio

2%

Last updated : Sept-2017

Source : Insurer's public disclosure

Insured Details

---

Policy for Kids, 24 years old non-smoker male earning ₹ 2 Lacs per annum.

Policy Details

---

Policy term

20 years

Premium payment term

20 years

Death Benefit

₹ 5.15 Lakhs

Maturity benefit (@ 4%)

₹ 5.15 Lakhs

---

Yearly Investment

₹ 20,000

---

Total Investment

₹ 4,00,000

 

 BUY NOW

Who is this plan for ?

A unit linked plan with dual benefit of investment and life cover. This plan lets you build a wealth corpus for your retirement with regular premium payments

---

Special Features of this Policy

• Multiple premium payment modes
• Limited Pay
• Fund value at Maturity
• Surrender Benefit Present
• Switching
• Premium Redirection present

View more

---

What you can Claim for

Maturity of Policy

---

Fund Value of paid premiums at end of policy term.

@ 4%

₹ 6.43 Lakhs

Death of Insured

---

Nominee gets higher amount of :

₹ 6.43 Lakhs

Sum Assured

OR

Fund value

On that year

Benefits

Death Benefits:

• Highest (Sum Assured, Fund value, 105% of premiums paid)

Maturity Benefits:

• Accumulated Fund Value

Exclusions

• In case of death due to suicide, within 12 months from the date of inception or revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till date or the surrender value as available on the date of death.

Benefit Illustration

Sum assured: 2.50 Lakhs

Policy year	Age	Annual premium	Total charges	Taxes	Additions to fund	Fund value
1	10	25,000	440	79	0	25,471
2	11	25,000	775	140	0	51,558
3	12	25,000	1,124	202	0	78,270
4	13	25,000	1,483	267	0	105,618
5	14	25,000	1,851	333	0	133,618
6	15	25,000	2,224	400	0	162,290
7	16	25,000	2,603	469	0	191,653
8	17	25,000	2,987	538	0	221,730
9	18	25,000	3,376	608	0	252,543
10	19	25,000	3,797	684	0	284,082
11	20	25,000	4,228	761	0	316,365
12	21	25,000	4,670	841	0	349,408
13	22	25,000	5,122	922	0	383,230
14	23	25,000	5,585	1,005	0	417,849
15	24	25,000	6,059	1,091	0	453,283
16	25	25,000	6,544	1,178	0	489,553
17	26	25,000	7,040	1,267	0	526,677
18	27	25,000	7,548	1,359	0	564,675
19	28	25,000	8,068	1,452	0	603,569
20	29	25,000	8,600	1,548	0	643,380

Please note that the default fund selected for generating this Benefit Illustration is Opportunities Fund. You can change the fund allocation before making premium payment.

Eligibility

Criterion	Minimum	Maximum
Entry age	0 years	65 years
Policy term	5 years	20 years
Premium payment term	5 years	20 years
Maturity age	18 - 75 Years
Sum assured limit	Single Premium: 1.25 * Single Premium; Other Modes (RP & LP): Age <=55 : 10* Annual Premium; Age > 55: 7* Annual Premium
Annual premium	Rs 24,000 - No Limit
Premium payment frequency modes	Annual, Semi-Annual, Quarterly and Monthly

Insurer overview & claim record

HDFC Standard Life Insurance Company Limited also known as 'HDFC Life' is a joint venture between HDFC Ltd., India’s leading housing finance institution and Standard Life, a global long term investment savings player. It is a leading long-term life insurance company with its headquarters in Mumbai. It offers a range of life insurance policies to meet various customer needs such as Protection, Pension, Savings, Investment,etc. It also provides Children education, marriage and other Women specific plans.

Claims settlement ratio

97.62%

Solvency ratio

2%

Last updated : Sept-2017

Source : Insurer's public disclosure

BUY NOW  

 

Who is this plan for ?

A unit linked plan with dual benefit of investment and life cover. This plan lets you build a wealth corpus for your retirement with regular premium payments

---

Special Features of this Policy

• Multiple premium payment modes
• Limited Pay
• Fund value at Maturity
• Surrender Benefit Present
• Switching
• Premium Redirection present

View more

---

What you can Claim for

Maturity of Policy

---

Fund Value of paid premiums at end of policy term.

@ 4%

₹ 7.72 Lakhs

Death of Insured

---

Nominee gets higher amount of :

₹ 7.72 Lakhs

Sum Assured

OR

Fund value

On that year

Benefits

Death Benefits:

• Highest (Sum Assured, Fund value, 105% of premiums paid)

Maturity Benefits:

• Accumulated Fund Value

Exclusions

• In case of death due to suicide, within 12 months from the date of inception or revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till date or the surrender value as available on the date of death.

Benefit Illustration

Sum assured: 3.00 Lakhs

Policy year	Age	Annual premium	Total charges	Taxes	Additions to fund	Fund value
1	10	30,000	528	95	0	30,565
2	11	30,000	930	167	0	61,870
3	12	30,000	1,348	243	0	93,924
4	13	30,000	1,780	321	0	126,741
5	14	30,000	2,221	400	0	160,342
6	15	30,000	2,669	481	0	194,747
7	16	30,000	3,124	562	0	229,984
8	17	30,000	3,584	645	0	266,076
9	18	30,000	4,052	729	0	303,051
10	19	30,000	4,556	820	0	340,899
11	20	30,000	5,074	913	0	379,638
12	21	30,000	5,604	1,009	0	419,290
13	22	30,000	6,147	1,107	0	459,876
14	23	30,000	6,702	1,206	0	501,419
15	24	30,000	7,271	1,309	0	543,940
16	25	30,000	7,852	1,414	0	587,463
17	26	30,000	8,448	1,521	0	632,012
18	27	30,000	9,057	1,630	0	677,610
19	28	30,000	9,681	1,743	0	724,283
20	29	30,000	10,320	1,858	0	772,056

Please note that the default fund selected for generating this Benefit Illustration is Opportunities Fund. You can change the fund allocation before making premium payment.

Eligibility

Criterion	Minimum	Maximum
Entry age	0 years	65 years
Policy term	5 years	20 years
Premium payment term	5 years	20 years
Maturity age	18 - 75 Years
Sum assured limit	Single Premium: 1.25 * Single Premium; Other Modes (RP & LP): Age <=55 : 10* Annual Premium; Age > 55: 7* Annual Premium
Annual premium	Rs 24,000 - No Limit
Premium payment frequency modes	Annual, Semi-Annual, Quarterly and Monthly

Insurer overview & claim record

HDFC Standard Life Insurance Company Limited also known as 'HDFC Life' is a joint venture between HDFC Ltd., India’s leading housing finance institution and Standard Life, a global long term investment savings player. It is a leading long-term life insurance company with its headquarters in Mumbai. It offers a range of life insurance policies to meet various customer needs such as Protection, Pension, Savings, Investment,etc. It also provides Children education, marriage and other Women specific plans.

Claims settlement ratio

97.62%

Solvency ratio

2%

Last updated : Sept-2017

Source : Insurer's public disclosure

BUY NOW