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“One of the best insurance plans that is affordable is HDFC life insurance plan. I was unfamiliar with the policy but the Policy bazaar team provided me with detailed information and answered all of my questions. I received the best customer service and was overjoyed to have received the best services.” – Anantha, Madurai
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Anantha, a resident of Madurai, made a smart decision by purchasing the HDFC Return of Premium Term Plan to safeguard his family from unforeseen circumstances in the future. HDFC Life Insurance offers various flexible plan benefits that suit your way of life and needs, guaranteeing the safety and well-being of your loved ones during unexpected events.
In this HDFC Return of Premium Term Plan Review, we will understand about HDFC Return of Premium Term Plans and their key features.
Note: Know more about what is term insurance first before reading this article.
HDFC Return of Premium Term Plan is a protection plan that provides financial security to your family in the unfortunate event of your death. The plan is ideal for those seeking life insurance coverage without medical tests as it offers both family protection and the return of total premiums paid upon policy maturity. Let’s know more about the HDFC Return of Premium Term Plan and understand its features.
Term Plans
Below listed are the key benefits of the HDFC Return of Premium Term Plan:
Life insurance coverage with no medical examinations
Full refund of all premiums upon completion of the policy term
Flexible options for premium payments
Tax benefits, u/s 80C and 10(10D), as per ITA, 1961
HDFC Life Insurance is known for its many flexible plans that can be customized to match the life goals of policyholders.
Below are some reasons why you can consider buying the HDFC Life Insurance:
This term insurance plan provides a comprehensive life cover that offers financial stability for both you and your loved ones during unforeseen circumstances such as critical illnesses, disabilities, or loss of life.
Tax benefits up to Rs. 1.5 Lakhs can be availed under section 80C of this life insurance plan. Moreover, the life cover paid to your nominee is completely tax-free under section 10(10D) in case of your unfortunate death.
HDFC Life’s Return of Premium (ROP) refunds all premiums paid upon policy maturity.
The Waiver of Premium (WOP) benefit in HDFC Life Insurance plans exempt premium payments upon critical illness diagnosis.
Accelerated death benefit for terminal illnesses before the age of 80.
WOP Disability option exempts premiums in case of total and permanent disability.
Cover your partner with the Additional Coverage for Spouse option.
The eligibility criteria for buying the HDFC Return of Premium Term Plan is mentioned below:
| Parameters | Minimum | Maximum |
| Entry Age | 18 years | 50 years |
| Maturity Age | 100 years | |
| Premium Payment Mode | Annual | |
| Sum Assured | ₹ 5 Lakhs | ₹ 25 Lakhs |
*Note: Maximum policy term of this plan is 30 years, subject to maximum maturity age of 65 years.
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Anantha made a good choice by purchasing the HDFC Return of Premium Term Plan. It will help him protect his loved ones from future financial burden. Along with this plan, he received protection throughout the policy term, with the Sum Assured on Death being payable. This ensured that upon policy maturity, an amount equivalent to 100% of the total premiums paid will be repaid to him. Anantha easily bought the plan from Policybazaar and received extra savings in his premiums, and was promised 100% Claims Assistance. The HDFC Return of Premium Term Plan Review provides a detailed understanding of the ROP plans by HDFC Life Insurance and why it should be opted by customers.
Note: Check out the best term insurance plan in India and choose one that suits your requirements.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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