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HDFC Return Of Premium Term Plan - A Review

“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.

What Is HDFC Return Of Premium Term Plans?

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. 

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

What Are The Key Features of HDFC Return of Premium Term Plan?

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

Why Should You Consider Buying HDFC Return Of Premium Term Plans?

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.

What Is The Eligibility Criteria To Buy The HDFC Return of Premium Term Plan?

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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Wrapping It Up!

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.

FAQs

  • Q. Why should I consider buying HDFC Return of Premium Term Plan?

    Ans: HDFC Return of Premium Term Plan provides comprehensive life coverage with options to customize based on individual needs. In case you survive the policy term, you will be returned back all the premiums paid in the form of maturity benefit.
  • Q. What are the key features of HDFC Return of Premium Term Plan?

    Ans: The key features of HDFC Return of Premium Term Plan are as follows:
    • Life insurance coverage without medical exams.
    • Full refund of premiums upon completing the policy term.
    • Flexible premium payment options.
  • Q. Which is the best term plan by HDFC Life Insurance?

    Ans: Among all term plans of HDFC Life Insurance, HDFC Return of Premium Term Plan is one of the ideal plans as it offers family protection without medical tests and refunds all premiums upon policy maturity.
  • Q. Why should I consider HDFC Life Insurance?

    Ans: You should consider HDFC Life Insurance for its flexible plans tailored to life goals, as well as comprehensive life cover for financial stability in unforeseen circumstances.
  • Q.Q. What Are the Tax Benefits In HDFC Return of Premium Term Plan?

    Ans: The tax benefits in HDFC Return of Premium Term Plan include:
    • Premiums up to Rs. 1.5 Lakh/year are tax-exempt under section 80C.
    • Tax-free life cover payout under section 10(10D) upon policyholder's demise.

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