RESUME APPLICATION PAY PREMIUM
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RESUME APPLICATION PAY PREMIUM

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Why HDFC Life Smart Term Edge is just right for you?

A Non-Linked Non-Participating Individual Life Term Insurance Plan

  • This plan is suitable to you, if you are looking for a life insurance cover for protecting your family and also receive return of premiums on policy maturity.

  • 3 plan options – Classic, Step-up and Comprehensive

  • Upto 150% return of premiums paid1

  • Option to enhance protection through Riders

  • This plan is suitable to you, if you are looking for a life insurance cover for protecting your family and also receive return of premiums on policy maturity.

  • 3 plan options – Classic, Step-up and Comprehensive

  • Upto 150% return of premiums paid1

  • Option to enhance protection through Riders

1. Applicable for step-up variant at Policy Term of 30 years.

1. Applicable for step-up variant at Policy Term of 30 years.

Your Plan. Your Benefits

View the benefits available for you

  • 3 plan options
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3 plan options

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3 plan options

  • You can choose from 3 plan options to suit the desired protection

  • Classic: Protection with return of premium: Under this option, you pay for a chosen death benefit. In the event of demise, the chosen Death Benefit is paid to your nominee. In case of survival till the end of policy term an amount equal to 100% of total premiums paid by you is returned.

  • Step-up: Protection with higher return of premium: Under this option, you pay for a chosen Death Benefit in the event of demise, the chosen Death Benefit is paid to your nominee. In case of survival till the end of policy term an amount up to 150% of Total Premiums paid by you is returned. This payout depends on the policy term chosen by you

    Policy Term (Years)

    12 - 14 Years

    15 - 19 Years

    20 - 24 Years

    25 - 29 Years

    30 Years

    Proportion of total premiums paid

    110%

    120%

    130%

    140%

    150%

  • Comprehensive : Enhanced protection with return of premium: Under this option, you choose a Death Benefit under Classic variant for which you pay over the chosen policy term. In addition, increase the Death Benefit by paying additional premium that is for Extra Protection. In the event of demise, the total Death Benefit chosen under the Classic variant plus the additional Death Benefit is paid to your nominee.

  • In case of survival till the end of policy term, an amount equal to 100% of total premiums paid by you under Classic variant is returned to you.

  • Under this plan you have to choose the option at policy inception. Once chosen, option cannot be changed during the policy term.

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Check Your Eligibility

ELIGIBILITY CRITERIA

Product Features Classic Step-up Comprehensive
Entry Age (years) 18 to 60 18 to 58 18 to 60
Premium Payment Term/ Policy Term (Years)2 12 to 30 12 to 30 12 to 30
Minimum Sum Assured (INR) 5 lacs 10 lacs 10 lacs
Maximum Sum Assured As per the Board Approved Underwriting Policy of the Company
Maximum Maturity Age (Years) 75 70 75
Premium Paying Mode Monthly1, Half Yearly and Annual

 1. For monthly mode: 3 Monthly premiums are collected in advance on the date of commencement of the policy.
2. Premium payment term and policy term is same in this product.

Decoding Term plans for you!

Tune in to this video to know about our Term Plans.


Term Insurance is incomplete without riders

Riders in insurance have an important part in contingency planning.
  • icon

    HDFC Life Critical Illness Rider

    UIN: 101B018V01

    We pay one-time lump sum benefit if diagnosed with of any of the specified critical illnesses.

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  • icon

    HDFC Life Accidental Death Disability and Dismemberment Benefit Rider

    UIN: 101B017V01

    We pay additional lump sum amount in case of Accidental Death, Disability or Dismemberment

    DOWNLOAD
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Disclaimer

1. Applicable for step-up variant at Policy Term of 30 years.
2. Subject to maximum Policy Term of 30 years in Classic and Comprehensive variants

ARN: EU/07/22/28257