Age limit

Age at entry: Minimum 30 days; maximum 65 years

Age at maturity: Minimum 18 years; maximum 75 years


Choose to pay premium monthly (minimum ₹ 1,000), quarterly (₹ 3000), half-yearly (₹ 6000) or annually (₹ 12,000). There is no maximum limit

Opt for a policy with a single premium at a minimum of ₹ 24,000

Payment term: You can pay one-time for a single premium, or choose 5, 7 and 10 years for the limited premium option or pay from 5 to 20 years for the regular option

Ways to pay

Conveniently pay your premiums or renew your policy through multiple modes -- credit card, internet banking, cheque, auto debit facility

Fund investment

Invest your money based on your risk appetite in a choice of 8 funds

Withdrawals and switches

Enjoy 4 partial withdrawals, 4 fund switches and 4 premium redirections in a policy year free

Sum assured

Single premium – get a fixed sum assured of 125% of single premium

Regular and limited plans (if age of entry is below 55) – 10 times your annualised premium

Regular and limited plans (if age of entry is above 55) – 7 times your annualised premium

Policy term

Choose a policy term of 5 to 20 years based on your needs

Tax benefit

Get tax benefits under 80C and 10 (10D) of the Income Tax Act, 1961

Maturity benefit

Receive fund value at the time of maturity

Death benefit

Beneficiaries will receive higher of Sum Assured, or Fund Value, or 105% of total premiums paid

Netbanking purchase

Instantly buy this policy through the Insurance section in your HDFC Bank NetBanking Account