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In this policy, the investment risk in the investment portfolio is borne by the policyholder

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HDFC Life Sampoorn Nivesh Plus

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      Zero
      Individual Insurance
       

      I hereby consent to receive insurance policy related communication/ documents from HDFC Life or its authorized representatives, overriding my NCPR registration (if any), through:

      Call, SMS, Email
      Voice over Internet Protocol including WhatsApp

      To undergo suitability analysis, please click here. If you wish to bypass the suitability analysis please click on the checkbox. By selecting the checkbox, you declare to consciously bypass the recommended suitability module and purchase the policy based on your independent assessment.

      Need help? See how this plan works

      Key Product Features

      Multiple Benefit Options
      Choice of 3 Benefit Options to suit your financial requirements
      Loyalty Additions
      Loyalty Additions to enhance your fund value after 10 years
      Reduced premium allocation charge
      Reduced premium allocation charge on investing higher premium amount
      Flexible Investment Period
      Flexibility to choose your investment term from 10 to 35 years for Single Pay, and (85 minus Age at Entry) for Limited/ Regular Pay
      Convenient Payment Options
      Choose your premium payment options - Single, Limited or Regular

      Key Product Features

      Multiple Benefit Options

      Choice of 3 Benefit Options to suit your financial requirements

      Loyalty Additions

      Loyalty Additions to enhance your fund value after 10 years

      Reduced premium allocation charge

      Reduced premium allocation charge on investing higher premium amount

      Flexible Investment Period

      Flexibility to choose your investment term from 10 to 35 years for Single Pay, and (85 minus Age at Entry) for Limited/ Regular Pay

      Convenient Payment Options

      Choose your premium payment options - Single, Limited or Regular

      The proposer should be HUF Entity & Life Assured can be anyone from the family for HUF Insurance and premium must be paid through HUF Bank Account

      Kindly ensure that company is registered in India to proceed further

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      • Glossary
        List
      We regret to inform you that currently we are unable to offer any option under this plan.

      AllABCDEFGHIJKLMNOPQRSTUVWXYZ

      A
      Accident:
      Sudden, unforeseen and involuntary event caused by external, visible and violent means.
      Accidental & Total Permanent Disability(ATPD):
      When the Life Assured is totally, continuously and permanently disabled *
      * Please read the product brochure for complete details specific to your policy.
      Accidental Death:
      Death by or due to a bodily injury caused by an Accident, independent of all other causes of death.
      Agent:
      Insurance company representative licensed by the state who solicits, negotiates or effects contracts of insurance, and provides service to the policyholder for the insurer.
      Annualized Premium:
      Annualized premium shall be the premium amount payable in a year excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
      Annuity:
      Periodic payments made by the insurer to the Annuitant for a specified period or till survival.
      Annuity benefits:
      A series of payments payable at regular intervals, in return of a certain sum paid upfront, under an annuity contract.
      Appointee:
      The person who is authorized to receive the Sum Assured when the Nominee is a minor.
      Assignee:
      The person to whom the policy ownership (rights and benefits) is transferred.
      Assignment:
      A provision wherein the Policyholder can assign or transfer a Policy in accordance with Section 38 of the Insurance Act, 1938.
      Assets under Management (AUM):
      The total value of Shareholders & Policyholders investments managed by the insurance company.
      Authority/ IRDAI:
      Insurance Regulatory and Development Authority of India.
      B
      Beneficiary:
      The person named in the policy to receive the insurance proceeds at the death of the insured.
      C
      Cash Bonus:
      The bonus amount paid out to the policy holder at specified frequency, as applicable. However, there is No guarantee to the declaration of future rates of the bonus.
      Charges:
      The amount taken by the insurer towards your insurance cover. These are usually associated with ULIP policies. The % and type of charge depends on different products.
      Some of them are Premium Allocation Charge, Policy Administration Charge,Fund Management Charge, Mortality Charge, Premium Redirection Charge, Statutory Charge, Switching Charge, Partial Withdrawal Charge, Discontinuance ChargeThe amount taken by the insurer towards your insurance cover. These are usually associated with ULIP policies. The % and type of charge depends on different products.
      Claimant:
      The person who is raising the claim request.
      Claim:
      It is the amount paid by the insurer to the claimant on occurrence of the event as specified in the policy contract eg: The amount that nominee receives on death of life assured is the claim amount.
      Claims Process:
      It is the intimation of the claimant to the insurer to initiate the settlement of the policy.
      COI:
      The document issued to the scheme member in group products which contains terms and conditions applicable to the product.
      Critical Illness(CI):
      Additional cover Is given in case of detection of specified critical illnesses*
      *The list is defined in the product brochure. Please read it carefully.Additional cover Is given in case of detection of specified critical illnesses*.
      Cut-off time:
      The time by which we must have accepted your instructions to invest in, or encash Units from a Fund,at the associated valuation time. As per Regulations, the current Cut-off time is 3.00pm. This is usually applicable to ULIP policies.
      D
      Date of Inception:
      The date on which the policy was first issued.
      Date of Risk Commencement:The date from which the insurance cover starts.
      Death Benefit:
      The amount which is payable on death of life assured.
      Deferment Period:
      period from date of inception of the cover till the date on which the first annuity payment is made by the insurer to the Annuitant. This can be chosen by the Annuitant basis his financial needs.
      Discontinuance of Policy:
      The Policy wherein the Policyholder has discontinued the payment of Premium
      E
      Effective Date:
      The date from which the Scheme shall first commence as set out in the Policy Schedule.
      Endowment Plan:
      An insurance policy, that apart from providing life coverage, also pays a lumpsum amount on maturtiy in case the policyholder sruvives the specified term. It pays the full sum assured to the nominees in case of the insured passes away.
      Exit Date:
      Date on which the coverage stops due to occurrence of any of the following events:
      i. Death,
      ii. Policy being terminated or lapsed.
      iii. Free Look Cancellation.
      iv. Payment of Maturity benefit.
      v. Surrender.
      Extra Life Sum Assured:
      The additional sum assured that is paid to nominee in case of death of life assured due to accident**.
      This depends on the product. Please read the brochure for complete details.
      The additional sum assured that is paid to nominee in case of death of life assured due to accident*.
      F
      First year premium:
      Premium received during the first year of the contract.
      Free Look period:
      The specified period during which the policyholder can review the terms and conditions of the Policy and has the option to return the Policy and receive refund.
      Frequency of Premium Payment:
      It indicates the schedule of your premium payments. eg:
      every month (monthly),
      once in 3 months (quarterly)
      once in 6 months (half-yearly)
      once in a year (annually)
      one time payment (single)It indicates the schedule of your premium payments eg:
      every month (monthly),
      once in 3 months (quarterly)
      once in 6 months (half-yearly)
      once in a year (annually)
      Fund Value, Unit Fund Value:
      The value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units. This is usually applicable for ULIP products
      For eg: No of units - 10, Unit price of each unit - 50
      therefore, fund value = 10 * 50 = 500The value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units. This is usually applicable for ULIP products.
      Funds:
      Each of the Funds earmarked by the Company for Unit Linked business and available to this product
      G
      Grace Period:
      Extra days allowed to pay the premium post the premium due date without any loss of continuity of benefits. It is 15 days for monthly frequency and 30 days for remaining frequencies.
      Group Insurance:
      Life insurance usually without medical examination, on a group of people under a master policy. It is typically issued to an employer for the benefit of employees, or to members of an association.
      H
      Hospitalisation:
      Admission in a Hospital for a minimum period of 24 consecutive In-patient Care hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours.
      I
      Injury:
      Accidental physical bodily harm excluding Illness or disease solely and directly caused by external, violent and visible and evident which is verified and certified by a Medical Practitioner.
      In-patient Care:
      Treatment for which the insured person has to stay in a Hospital for more than 24 hours for a covered event.
      Intensive Care Unit (ICU):
      Ward or wing of hospital which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require life support facilities Ward or wing of hospital which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require.
      Interim bonus:
      The bonus that is paid in the event of a claim(maturity, death or surrender) of a participating policy, for the period from the last declared bonus date. This is paid to provide for the policyholder's share of bonus from the last declared date till the date eligible for bonus, when the claim is payable.
      k
      Keyman Insurance:
      The life insurance policy taken by an employer on the life of another person who is or was his employee/connected to his business in any manner whatsoever.
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      Disclaimer:To read the complete definitions as stated by IRDAI and displayed across this website, you can refer the specimen policy documents here: https://www.hdfclife.com/policy-documents

      About HDFC Life
      • HDFC Life's Total Assets Under Management (AUM)1 crossed
        ₹2,90,000 Cr14
        (For Financial Year 2023-24)
      • 6.6 crore lives insured
        (For Financial Year 2023-24)
      • We have honoured 99.5% Individual Claims!3
        (For Financial Year 2023-24)
      • 1-Day Claim Settlement
        We help you claim what is rightfully yours with 1 Day Claim Settlement( exclusively available for policies bought online)*. *Know More

      This site best viewed at 1366 px x 768 px using the latest Firefox, IE, Chrome, Safari versions.

      1. AUM is the value of assets managed by a company for its customers
      2. As on 31st March 2024, AUM is Rs. 2,92,220 crore. Data is as per HDFC life Integrated Annual Report FY 2023 - 2024.
      3. Individual death claim settelement ratio by number of policies as per audited annual statistics for 2023-24

      In this policy, the investment risk in the investment portfolio is borne by the policyholder. The 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 Linked Insurance Products completely or partially till the end of fifth year


      HDFC Life Insurance Company Limited.CIN No.L65110MH2000PLC128245. IRDAI Regn. No. 101 .The name/letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under license from HDFC Bank Limited.

      Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. For purchasing a new policy, you can Email us on buyonline@hdfclife.in and call us on 1800-266-9777 (All days, from 9 am to 9pm). For in-progress applications (post payment), you can email us on onlinequery@hdfclife.in and call us on 1800-266-0315 (All days, from 10 am to 7 pm). Website:www.hdfclife.com.


      Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked 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 Life Insurance Company and HDFC Life Sampoorn Nivesh Plus (UIN No: 101L180V01) is a Unit Linked Non Participating Life Insurance Plan, is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101A038V01), HDFC Life Health Plus Rider (UIN: 101A034V01), HDFC Life Waiver of Premium Rider (UIN: 101A035V01), HDFC Life Protect Plus Rider (UIN: 101A037V01) and HDFC Life LiveWell Rider (UIN: 101A036V01) are the names of the riders are the names of the riders. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contact are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.ARN: ED/02/25/21740

      BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

      • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
      Read More

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      Claim Settlement Ratio
      (Percentage and average claim settlement time*)

      2023-24
      99.5%
      Average Claim settlement time*: 2 days
      2022-23
      99.39%
      Average Claim settlement time*: 4 days
      2021-22
      98.66%
      Average Claim settlement time*: 3 days
      2020-21
      98.01%
      Average Claim settlement time*: 5 days
      2019-20
      99.07%
      Average Claim settlement time*: 4 days

      *Average claim settlement time is calculated as time period from the day all necessary documents are submitted to the company till cheque/NEFT payment is initiated

      Future Needs popup

      1-Day Claim Settlement

      is available for the following:

      . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .

      • Cumulative claim amount on all policies up to ₹2 crores
      • 1 day claim settlement is exclusively available for policies bought online
      • Claim does not require field investigation
      • All requisite documents# submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day
      • HDFC Life will pay an interest^ on your death claim amount for every day of delay beyond one working day

      T&C Apply

      1) For all claims fulfilling above mentioned conditions, provided we receive all the required documents, the claim will be processed within one working day and decision will be communicated accordingly. 2) Investigation / Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day)
      ^Interest rate would be at 6.25%per annum.

      #Documentation Details

      Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes. In case of an accidental death, additional documents will be required. Post Mortem Report, Panchnama, Police Inquest report, First/Final Information report, Viscera/Chemical Analysis report.