Life Insurance

• Provide financial protection to you and your family at an affordable cost

• Customize your plan with a choice of 9 plan options

• All future premiums are waived on Accidental Total Permanent Disability (available under all options) and on diagnosis of Critical Illness (Available with 3D Life and 3D Life Long Protection options)

• Protect yourself for whole of life with flexibility to choose your policy and premium payment terms (Available with Lifelong Protection and 3D Life Long Protection options)

• Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals

• Flexibility to increase your cover every year through top-up option

• Special premium rates for female lives

• Attractive premium rates for non-tobacco users Tax benefits* as per prevailing tax laws

^* Tax benefits are subject to change from time to time

• Enjoy regular income for period of 8 to 15 years after premium payment term.

• Survival Benefits varying from 8.0% to 12.5% of Sum Assured on Maturity payable each year during payout period.

• Boost your regular income at maturity with reversionary bonuses and terminal bonus⁴, if any.

• Range of premium payment and policy term options to meet your income goals.

• Insurance coverage throughout the policy term

• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting⁵

⁴ Please refer to the sales literature for details
⁵ Please speak to our Financial Consultant to know more details.

• Guaranteed benefits payable on maturity provided all due premiums have been paid

• Guaranteed benefits will vary by policy term in a range of 220% to 325% ⁹ of the Sum Assured on Maturity

• Premium payment for limited period of 5, 8 and 10 years

• Flexibility to choose policy terms ranging from 15 years to 25 years

• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting¹⁰

⁹ Sum Assured on Maturity is the Basic Sum Assured guaranteed to be payable on maturity of the policy

¹⁰ Please speak to our Financial Consultant to know more details.

• Valuable financial protection to your family in case you are not around.

• Flexible additional benefit options.

• Opportunity to invest in a choice of funds.

In this plan you can choose your premium and the investment fund(s). We will then invest your premium, net of premium allocation charges in your chosen fund(s) in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your fund(s).

In case of your unfortunate death during the policy term, your nominee will receive the greater of Sum Assured (less withdrawals¹³) or fund value.

¹³ Please refer to the sales literature for details

• Valuable financial protection to your family.

• Flexible additional benefit options.

• Opportunity to invest in a choice of funds.

In this plan you can choose your premium and the investment fund(s). We will then invest your premium, net of premium allocation charges in your chosen fund(s) in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your fund(s).

In case of your unfortunate demise during the policy term, we will pay to your nominee

• Sum Assured and

• The Unit Fund value.

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting¹⁵

¹⁵ Please speak to our Financial Consultant to know more details.

HDFC Life Easy Health is a Fixed Benefit, health insurance product that provides coverage against: Hospitalization and/or Surgical procedures and/or Critical illness

• Flexibility Pay Single / Regular Premium based on your convenience

• Daily Hospital Cash Benefit Daily Hospital Cash Benefit available from `Rs250 to Rs 5000 per day as per your requirement

• Surgical Benefit Get lump sum payout in case of any of the 138 surgeries specified

• Critical Illness Benefit Lump sum payout in case diagnosed with any of the 18 Critical Illnesses specified

• Value for Money - Avail Multiple Claim - Get Double Benefit in case of hospitalization in ICU

• Tax Benefit Receive tax benefits under Section 80D as per applicable tax laws

• Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer

• Lump sum payout is provided on diagnosis of major as well as early stages of cancer (3)

• Future Premiums for next 3 policy years will be waived off on receiving a valid claim of cancer diagnosis

• Receive Income benefit for next 5 years, under Platinum option (5)

• Under Gold and Platinum option, the Sum Insured will be increased by 10% every year. This will continue till the increased Sum Insured becomes 200% of the Initial Sum Insured. (6)

• All benefits and payouts are independent of any other health insurance plan (7)

• Provides tax benefits on premiums paid-up to Rs 55,000 under Sec 80D of the Income-Tax Act, 1961

HDFC Life Personal Pension Plus Plan is a participating regular premium deferred pension plan that offers assured benefit on death or at vesting. The product offers an opportunity to participate in the profits of participating fund of the company by way of bonuses payable to you at the time of vesting. The plan is ideal for individuals who seek to plan for their retirement to get adequate corpus to fulfill all their post retirement goals.

• Flexibility to choose your investment horizon from 10 to 40 years

• Participate in the profits of the participating fund of the company by way of reversionary bonuses and any terminal bonus.

• Assured benefit equal to 101% of all regular premiums²¹ paid to date on death or at vesting.

²¹ The Premium amount is excluding any taxes and levies as applicable paid on the premium

• Wide range of annuity options to cater to your needs

• Option to take the plan on a Single or Joint Life basis

• Option to receive immediate or deferred annuity

• Option to receive annuity monthly, quarterly, half-yearly or yearly

• Option of Return of Purchase Price on death n Options for banks/financial institutions to purchase immediate annuities in respect of annuity payments for their commitments to the homeowners under the reverse mortgage schemes.

• Choice of increasing your Annuity Payouts through Top Up option