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HDFC Life Pension Guaranteed Plan

Personal details

Life Assured Details:

Date Picker

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.

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Your Annuity Details

One Time Payment

OR
  Min: Rs.12,000

*Annuity options   

Deferred Life Annuity with Return of Purchase Price

Start receiving your lifelong income after few years from now.

   

Immediate Life Annuity with Return of Purchase Price

Get lifelong income as long as you are alive & on death 100% of purchase price is paid to your nominee.

Immediate Life Annuity

Get lifelong income as long as you are alive.

PLAN SUMMARY
Plan Purchase
Price		 Deferment
Period		 Payout
Frequency		 Annuity
Payout
Deffered Life Annuity with ROPP 5,00,000
(Taxes and levies as applicable)		 5 years Annual 30,000
View Illustration Download Brochure

I have read and accept the conditions with respect to the Benefit Illustration. I have understood the above illustration before entering into the contract.

Terms and Conditions*

I/ We declare that all the particulars or information given by me/ us in this proposal form are true and and complete in all respects and I/ we have not withheld any material fact, which is within my/ our knowledge. I/ We undertake to keep HDFC Life Insurance Company Limited ("the Company") informed of any changes in the same.
I/ We agree and confirm that these statements and this declaration shall form the basis of the contract between me/ us and the Company.
I/ We authorize the Company to share information pertaining to my/ our proposal including the medical records (if any) of the insured/proposer for the sole purpose of proposal underwriting and/or claims settlement and with any Governmental and/or Regulatory authority.
I/ We agree to the Company taking appropriate measures to capture the voice log for all such telephonic transactions carried out by me/ us, in accordance with procedures/regulations, with respect to this contract.
I/ We have voluntarily given my/ our consent to collect, process, receive, possess, store, deal or handle my/ our sensitive personal data or information [as defined in the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011 as amended from time to time], with/ from third parties/ vendors associated with the Company for various purposes and outsourced activities exclusively related to issuance/servicing/settlement of claim as required under the policy.
I/ We hereby also declare that I/ we have read and understood the product as described in the sales illustration. I/ We have read the entire text, features, disclosures, exclusions, terms and conditions while applying for this policy.
I/ We understand that any false declaration or misrepresentation by me/ us may result in rejection of the proposal form or the contract of insurance shall be treated null and void from inception of the contract. Fraud/ misrepresentation/ misstatement/ forfeiture/ suppression of material facts would be dealt with in accordance with the provisions of Section 45 of Insurance Act 1938 as amended from time to time.
I/ We understand that the contract shall be governed by the provisions of the Insurance Act, 1938 as amended from time to time and that the same will not commence before the date mentioned in the policy to be issued by the Company.

Section 45 � Disclosure of material information
1. No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later.
2. A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.
3. Notwithstanding anything contained in sub-section (2), no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or that there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of a material fact are within the knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not alive.
4. A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based: Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.
5. Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal

Section 41 � Prohibition of rebates: (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. (2) Any person making default in complying with the provisions of this section shall be shall be liable for a penalty which may extend to ten Lakh rupees.


Incase you submit Aadhaar related details, you hereby agree to the Terms and Conditions associated with Aadhaar
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Critical Illness

The lists of the critical illness under this are as follows:

  • Cancer of specified severity
  • Open Chest CABG
  • First Heart Attack - of specified severity
  • Kidney Failure requiring regular dialysis
  • Major Organ/Bone Marrow Transplant
  • Stroke resulting in Permanent symptoms
  • Apallic Syndrome
  • Benign Brain Tumour
  • Coma of specified severity
  • End Stage Liver Disease
  • End Stage Lung Disease
  • Open Heart Replacement or repair of heart valves
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Sight
  • Major Burns
  • Major Head Trauma
  • Permanent Paralysis of limbs
  • Surgery of Aorta

Definition of Disability

  • Total Permanent Disability means when the insured is totally, continuously and permanently disabled and meets either of the two definitions below:
  • 1. Unable to Work:
    Disability as a result of injury or accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.
  • 2. Physical Impairments:
    The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:
    • The use of two limbs; or
    • The sight of both eyes; or
    • The use of one limb and the sight of one eye; or
    • Loss by severance of two or more limbs at or above wrists or ankles; or
    • The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.
    The disabilities as stated above in Part (1) and (2) must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (d) and (e) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.

    Once a claim has been accepted and the regular monthly benefit starts, the rider coverage expires.

    A Medical practitioner is a person who holds a valid registration from the medical council of any state of India and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license but excluding the Practitioner who is:
    • Insured/Policyholder himself or an agent of the Insured
    • Insurance Agent, business partner(s) or employer/employee of the Insured or
    • A member of the Insured's immediate family

Key product features

Key product features
  • Wide range of annuity options to cater to your needs.
  • Option to take the plan on a Single or Joint Life basis.
  • Option to receive immediate or deferred annuity.
  • Option to receive annuity monthly, quarterly, half-yearly or yearly.
  • Option of Return of Purchase Price on death.
  • Options for banks/financial institutions to purchase immediate annuities in respect of annuity payments for their commitments to the homeowners under the reverse mortgage schemes.
  • Choice of increasing your Annuity Payouts through Top Up option.
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Benefits of the Product

Benefits of the Product
  • Option to defer your start of annuity.
    1. Receive your annuity payouts through direct credit to your bank account.
      1. Provides a regular guaranteed* income for lifetime.
        1. Death benefit on certain annuity options that provide for return of purchase price or annuity to your spouse.
          1. Discounts in the form of higher annuity rates for Higher Purchase Price will be offered.


            2. Below is the sample illustration for HDFC Life Pension Guaranteed Plan with customer having Purchase Price of Rs. 1Cr1 and option for Anuity with Return of Purchase Price(with Joint Life option)

            Annuity OptionImmediate Annuity OptionDeferred Annuity Option
            Payable ImmediatelyPayable after 5 years defermentPayable after 10 years deferment
            Primary AgeSecondary AgeMonthly Annuity for lifeAnnual Annuity amountMonthly Annuity for lifeAnnual Anuuity amountMonthly Annuity for lifeAnnual Annuity amount
            504545,011562,64061,078763,47582,0221,025,280
            555045,494568,67062,362779,52084,9851,062,310

            1 Joint Life, Lifetime Annuity, Primary Annuitant age at 50 years and Secondary Annuitant age at 45 years; followed by Primary Annuitant age at 55 years and Secondary Annuitant age at 50 years. Monthly Annuity = Annuity Rate*96%*Purchase Price/12. Please check for prevailing annuity rates at the time of purchasing policy. Purchase price is exclusive of GST & other statutory levies.



            For more details of the benefits, please refer to the product brochure.



            *The word "Guarantee" and "Guaranteed" means that annuity payout is fixed at the inception of the policy.
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          Eligibility

          Parameters

          Minimum

          Maximum

          Entry Age1

          Immediate Life Annuity

          30 years

          85 years

          Immediate Life Annuity with Return of Purchase Price

          30 years

          Deferred Life Annuity with Return of Purchase Price

          45 years

          Annuity Payout (in Rs.)2 Per instalment

          Annually

          12,000

          No limit

          Half-yearly

          6,000

          Quarterly

          3,000

          Monthly

          1,000

          Minimum/ Maximum Purchase Price

          Immediate Life Annuity

          Rs. 42,076

          No limit

          Immediate Life Annuity with Return of Purchase Price

          Rs. 160,261

          Deferred Life Annuity with Return of Purchase Price

          Rs. 76,046

          Minimum Group Size (For Group Policies)

          5 (Five)

          Premium Payment Term

          Single Pay

          The minimum annuity payouts shall be in accordance with IRDAI (Minimum limits for Annuities and other Benefits) Regulations, 2015.

          The minimum purchase price that will produce the minimum annuity mentioned above will depend on the minimum annuity rates, as applicable.

          All ages are calculated as at last birthday. Risk cover starts from date of commencement of policy for all lives including minors. In all individual cases, the relationship between the proposer and life assured shall be specified.



          • 1 In the case of Joint life annuities the age limits apply to both lives. Annuitant(s) below this age will only be accepted where the proceeds are from a contract issued or administered by the Company where compulsory purchase of an annuity is required. If this product is purchased as QROPS through transfer of UK tax relieved assets, the minimum entry age for payment of annuity will be governed by the rules defined by HMRC from time to time. Higher ages at entry may be allowed for Life Annuity with Return of Purchase Price Option and Joint Life Annuity with Return of Purchase Price options to cater to the needs of NPS subscribers as per extant PFRDA guidelines. In the case of Joint life annuities the age limits apply to both lives.
          • 2 Amounts below this value will only be offered where the proceeds are from a contract issued or administered by the Company where compulsory purchase of an annuity is required and to the subscribers of the National Pension System regulated by the Pension Fund Regulatory and Development Authority (PFRDA)

          Product Brochure

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          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.

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          1800-266-9777 (toll-free)

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          Download Brochure

          1 Day Claim Settlement*

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          Why Buy Online?

          Fast and Convenient5 Quick and easy steps towars a protected and prosperous future.

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          EconomicalBuying in insurance policy online is more cost effective than an offline purchase.

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          Minimum PaperworkPolicy Issued with minimal paperwork

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          TransparentAll charges are shown upfront with no hidden costs.

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          Aadhaar Terms and Conditions

          1. I voluntarily opt for Aadhaar based KYC due diligence, Officially Valid Document ("OVD") KYC or e-KYC or offline verification, and submit to HDFC Life my Aadhaar number, Virtual ID, e-Aadhaar, XML, Masked Aadhaar, Aadhaar details, demographic information, identity information, Aadhaar registered mobile number, face authentication details and/or biometric information (collectively, "Information").
          2. I am informed by HDFC Life, that:
            1. submission of Aadhaar is not mandatory, and there are alternative options for KYC due diligence and establishing identity including by way of physical KYC with OVD other than Aadhaar and all these options were given to me.
            2. For e-KYC/authentication/offline verification, HDFC Life will share Aadhaar number and/or biometrics with CIDR/UIDAI, and CIDR/UIDAI will share with HDFC Life, authentication data, Aadhaar data, demographic details, registered mobile number, identity information, which shall be used for the informed purposes mentioned in 3 below.
          3. I authorise and give my consent to HDFC Life (and its service providers), for following informed purposes:
            1. KYC and periodic KYC process as per the PML Act, 2002 and rules thereunder and IRDAI guidelines, or for establishing my identity, carrying out my identification, offline verification or e-KYC or Yes/No authentication, demographic or other authentication/verification/identification as may be permitted as per applicable law, for all insurance policies, facilities, services and relationships of/through HDFC Life, existing and future.
            2. collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/identification records:
              1. for the informed purposes above,
              2. as well as for regulatory and legal reporting and filings and/or
              3. where required under applicable law;
            3. enabling my insurance policy for Aadhaar enabled Payment Services (AEPS)
            4. producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
          4. I understand that the Aadhaar number and core biometrics will not be stored/ shared except as per law and regulations. I will not hold HDFC Life or its officials responsible in the event this document is not found to be in order or in case of any incorrect information provided by me.
          5. In case of offline KYC I hereby confirm that I have downloaded the e-Aadhaar myself using the OTP received on my Aadhaar registered mobile number
          6. The above consent and purpose of collecting Information has been explained to me in my local language

          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.

          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

          Copyright © 2018 HDFC Life Insurance Company Limited.
          All Rights Reserved.

          Disclaimer:  

          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. HDFC Life Pension Guaranteed Plan (UIN No:101N118V12) is a single premium, non-linked, non-participating, annuity plan. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
          ARN:ED/11/23/6447


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