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In this policy,the investment risks in the investment portfolio is borne by the policyholder
HDFC Life Smart Woman Plan
HDFC Life Smart Woman Plan
UIN: 101L082V03A plan for women to live life worry free
3 Benefit options
A plan specifically for women to take care of various life stages
Sum Assured of up to 40 times your annualized premium
1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why HDFC Life Smart Woman Plan?
A Unit-Linked Non Participating Life Insurance plan for women with coverage against various contingencies
Sum Assured of up to 40 times your annualized premium
Choose from 3 convenient Benefit options - Classic, Premier and Elite
Additional periodic cash payouts under Premier and Elite Option
Premium Waiver Benefit - Waiver and funding of 3 annual premiums on Birth of child with congenital disorder or pregnancy complications , Diagnosis of malignant cancer of female organs and Death of Spouse1
Enhanced Allocation Rate from 11th year onwards
Sum Assured of up to 40 times your annualized premium
Choose from 3 convenient Benefit options - Classic, Premier and Elite
Additional periodic cash payouts under Premier and Elite Option
Premium Waiver Benefit - Waiver and funding of 3 annual premiums on Birth of child with congenital disorder or pregnancy complications , Diagnosis of malignant cancer of female organs and Death of Spouse1
Enhanced Allocation Rate from 11th year onwards
- Please read the product brochure for complete details.
- Please read the product brochure for complete details.
Choose The Right Options
Enjoy the flexibility to choose your policy and premium payment terms
Select your core objective for buying an insurance cover
- Classic Option
- Premier Option
- Elite Option
Classic Option
(Multiple benefits on maturity, death, or for partial fund withdrawal)
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Maturity Benefit:
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Receive your Fund Value
- Fund Value will be calculated by multiplying balance units in your fund by the then prevailing unit price.
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Disclaimer:
For complete details, please read the Product brochure.
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Death Benefit:
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In case of the Life Assured’s unfortunate demise, the nominee will receive higher of the following:
- Sum Assured, less all withdrawals made during the two year period immediately preceding the date of death,
- Total Fund Value or,
- 105% of the premium(s) paid.
The policy will terminate there after and no more benefits will be payable.
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Disclaimer:
For complete details, please read the Product brochure.
![Heart-Icon]( "Heart-Icon")
Premium Waiver Benefit:
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Waiver and funding of 100% of your next 3 years' premiums upon:
- Pregnancy Complications or Birth of child with congenital disorder.
- Diagnosis of malignant cancer of female organs.
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Disclaimer:
For complete details, please read the Product brochure.
Check Your Eligibility
Before buying HDFC Life Smart Woman Plan
ELIGIBILITY CRITERIA
Eligibility Criteria |
Minimum |
Maximum |
|---|---|---|
PROPOSER ENTRY AGE |
18 years |
None |
ENTRY AGES FOR FEMALE LIFE TO BE ASSURED |
18 years |
45 years |
ENTRY AGES OF SPOUSE FOR ELITE OPTION |
21 years |
50 years |
MATURITY AGE FOR FEMALE LIFE TO BE ASSURED |
28 years |
60 years |
AGE OF RISK CESSATION FOR SPOUSE IN ELITE OPTION |
31 years |
60 years |
ANNUAL PREMIUM |
₹ 24,000 |
₹ 1,00,000 |
MIN-MAX SUM ASSURED TO (AGE LESS THAN 45 YEARS) |
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MIN-MAX SUM ASSURED TO (AGE EQUAL TO 45 YEARS) |
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MIN-MAX SUM ASSURED TO POLICY TERM |
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Age has to be taken as of "last birthday" basis.
For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.
- Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.
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In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
Life Insurance Coverage is available in this product. HDFC Life Smart Woman Plan (UIN: 101L082V03) is the name of the Unit linked plan. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Smart Woman Plan (UIN: 101L082V03) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
ARN: EU/07/21/24453