HDFC SL Sampoorn Samridhi Plus Plan

HDFC SL Sampoorn Samridhi Plus Plan is an Endowment Plan with whole life cover. The plan offers life coverage up to 100 years or till the policyholder’s death. Thus this endowment plan provides long-term savings as well as complete insurance coverage for a financially secure future of your family.

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Key Features of HDFC SL Sampoorn Samridhi Plus Plan 

  • It is a participating plan that allows you to pay your premiums for only a limited period of time.
  • Guaranteed Additions refers to a percentage of Sum Assured that are added in the first 5 policy years.
  • There is an in-built Accidental Benefit rider providing additional Benefits in case of accidental death.
  • There are 2 plan Options. One is simple endowment plan and the other is endowment plan with Whole Life coverage.
  • Simple reversionary bonus, Terminal Bonus and Interim Bonus are payable with the sum assured help increase the value of your corpus. 

Benefits of HDFC SL Sampoorn Samridhi Plus Plan 

  • Guaranteed Additions at 3% for a policy term of 15-19 years, 4% for a policy term of 20-24 years and 5% for a policy term of 25 years and above. Bonuses accrue in the first 5 policy years.
  • On maturity, the sum assured , accrued Guaranteed Additions, additional bonuses which includes interim bonus as well Terminal Bonus are paid
  • If Endowment with Whole Life is chosen, the policy continues till the death of the policyholder or till he/she turns 100 years after which additional Sum Assured on Maturity is paid out.
  • On the death of the policyholder, higher of the SA + vested bonuses that includes Interim Bonus along with Terminal Bonus and accrued Additions or 105% of all premiums paid is paid to the nominee.
  • In case of death after the policy term is over and under the Endowment with Whole Life option, the Sum Assured on Maturity is paid out.
  • The SA on death is higher of SA on Maturity or 10times the annual premium or seven times the annual premium.
  • In case of death caused by an accident, additional SA on death is paid.
  • The claim received and premium paid are exempt from tax deduction under section 10(10D) and 80C of Income Tax Act. 

Product Specification of HDFC SL Sampoorn Samridhi Plus Plan




Entry Age (Last Birthday)

30 days

60 years

Maturity Age (Last Birthday)

18 years

70 years

Policy Term (PT) in years


40 or 100- age

Premium Paying Term (PPT) in years

Term - 5

Premium Paying Frequency

Annual, half-yearly, quarterly, monthly

Yearly Premium


No limit

Sum Assured


No limit


Details About Premium

Annual premium in Rupees for a SA of 1 lakh

Age / Term (years)

Endowment Option

Endowment with Whole Life Option




















Policy Details of HDFC SL Sampoorn Samridhi Plus Plan 

Grace Period- The policy will lapse if the insured is unable to pay his premiums within the given time frame of 15 days (grace period). 

Policy Termination or Surrender Benefit- The insurance holder is allowed to surrender the policy after 2 years’ full premium payment. The Surrender benefit will be higher of either the Special Surrender Value or the Guaranteed Surrender Value. 

Free Look Period- If you are not pleased with the conditions set by the insurer, you are free to cancel their policy, provided your policy is still within the free look period (first 15 days of the policy) and you have not filed any claim yet.

Additional Features or Riders 

    High sum assured rebates for coverage of 1.5 lakhs and above. 


    Loan is available against the plan after it has acquired a Surrender Value. 


If the insured takes his own life within 12 months from the commencement of the policy, the beneficiary gets back 80% of the premium paid. If, within 12 months of policy renewal, the insured commits suicide, then either the acquired surrender value or 80% of premium paid (whichever is higher) is given to the nominee. The accidental death benefit excludes accidental death due to self-inflicted injury, alcohol abuse, taking part in hazardous activities, war, aviation and criminal acts. 

Documents Required for HDFC SL Sampoorn Samridhi Plus Plan 

While submitting the application form, the buyers are required to provide their accurate medical history, KYC documents and address proof. Based on certain factors like age of the person and the sum assured chosen, a medical examination may be required as well. 

You may also like to read: HDFC Life Investment Plan

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