We are pleased to announce our Eleventh Successive Reversionary Bonus for the year from 1st April 2010 to 31st March 2011. This bonus declaration will benefit all 'With Profits' customers who have paid all premiums in full when due.
We have experienced substantial growth over the last year and today cover over 35,33,986 Policy Holders. As a result of an improved performance and a growing business, we now have a nationwide footprint of over 498 branches.
This bonus declaration is applicable only to policies under the following 'With Profits' plans:
Over the term of your policy, we invest the premiums that we receive from you and from other similar 'With Profits' policyholders in a 'With Profits' fund. We invest in a variety of assets to achieve an investment return on your policy. Benefits and expenses of your policy are paid out of this fund.
We use bonuses to give you a maturity value, which fairly reflects the performance of the fund (investment or otherwise) over the term of the policy. The level of bonuses we allocate aims to deliver a fair share of the fund when the policy matures or on a death claim.
Note: Additional benefits taken by you such as critical illness or accidental death benefits, offer protection for different circumstances and have no investment-related benefits. Hence they do not attract bonuses.
Reversionary BonusÂ
We declare Reversionary Bonus annually as a percentage of the Sum Assured (Plus attaching bonuses in case of HDFC Single Premium Whole of Life policies).
The following table illustrates how bonus is calculated for a policy that was bought on 1st April 2009 by a person aged 30:
| Policy Type | Policy Term | Sum Assured | Premium | Reversionary Bonus (@22.50 per thousand Sum Assured) |
|---|---|---|---|---|
| Endowment Assurance Plan | 25 years | Rs. 2,00,000 | Rs. 7,534 | Rs. 4,500 |
Once added to your policy, this Bonus is guaranteed to be payable at maturity. For Single Premium Whole of Life policies, which do not have a maturity date, this bonus is guaranteed to be paid on selected future policy anniversaries.
For all our 'With Profits' plans, the influence of our reversionary bonus declaration on the death benefit is governed by the policy wording under each plan.
We calculate this bonus keeping in mind a long-term view of investment returns, expenses, mortality and other experience elements.
Interim Bonus
If a maturity claim or death claim is made before the next planned reversionary bonus declaration, we will add an Interim Bonus to your policy.
All policies where such claims have occurred do not participate in the next reversionary bonus declaration. Therefore, we add an Interim Bonus to give you or your nominee a fair share of bonus earned over the next financial year i.e. from 1st April 2011 to the date of claim.
For all our 'With Profits' plans, the influence of our interim bonus declaration on the death benefit is governed by the policy wording under each plan.
Terminal Bonus
This bonus is sometimes added to a policy on maturity and allows us to pay the fair share of the 'With Profits' fund based on the experience over the policy term.
The following diagram* demonstrates how bonuses could build up on a 25-year 'With Profits' Endowment Assurance Plan on maturity
*This diagram is solely to represent a concept rather than a representation of a particular policy and is not to scale.Your bonus statement explains how this announcement adds to your benefits. It contains:
Reversionary Bonus
| Policy Type | Reversionary Bonus P. A. |
|---|---|
| HDFC Money Back Plan HDFC Children's Plan |
Rs 20 Per thousand Sum Assured |
| HDFC Endowment Assurance Plan | Rs 20 Per thousand Sum Assured |
| HDFC Savings Assurance Plan HDFC Assurance Plan |
Rs 32.50 Per thousand Sum Assured |
| HDFC Regular Premium Pension Plan | Rs 20.00 Per thousand Sum Assured |
| HDFC Single Premium Pension Plan | Rs 50.00 Per thousand Sum Assured |
| HDFC Single Premium Whole of Life Plan | Rs 45.00 Per thousand Sum Assured and attaching bonuses |
| HDFC Endowment Gain | Rs 20 Per thousand Sum Assured |
| HDFC New Money Back | Rs 20 Per thousand Sum Assured |
| HDFC Group Savings | Rs 20 Per thousand Sum Assured |
| HDFC Classic Assure | Rs 30 Per thousand Sum Assured |
Interim Bonus:
| Policy Type | Interim Bonus from May 1 2010 to June 30 2011. | Interim Bonus effective from July 1, 2011 until further notice |
|---|---|---|
| HDFC Money Back Plan HDFC Children's Plan |
Rs 20 Per thousand Sum Assured |
Rs 20 Per thousand Sum Assured |
| HDFC Endowment Assurance Plan | Rs 15.00 Per thousand Sum Assured |
Rs 20.00 Per thousand Sum Assured |
| HDFC Savings Assurance Plan HDFC Assurance Plan |
Rs 32.50 Per thousand Sum Assured |
Rs 32.50 Per thousand Sum Assured |
| HDFC Regular Premium Pension Plan | Rs 20.00 Per thousand Sum Assured |
Rs 20.00 Per thousand Sum Assured |
| HDFC Single Premium Pension Plan | Rs 50.00 Per thousand Sum Assured |
Rs 50.00 Per thousand Sum Assured |
| HDFC Single Premium Whole of Life Plan | Rs 45.00 Per thousand Sum Assured and attaching bonuses |
Rs 45.00 Per thousand Sum Assured and attaching bonuses |
| HDFC Endowment Gain | NA |
Rs 20.00 Per thousand Sum Assured |
| HDFC New Money Back | NA |
Rs 20.00 Per thousand Sum Assured |
| HDFC Group Savings | NA |
Rs 20.00 Per thousand Sum Assured |
| HDFC Classic Assure | NA |
Rs 30.00 Per thousand Sum Assured |
For any queries relating to this bonus announcement, please write to us at service@hdfclife.com Or call us Toll Free - 1800-209-7777 (Any Phone) or 1800-228-228 (MTNL/BSNL).
Please note that the past performance is not necessarily an indication of future performance. This document has no monetary value at any time and is not a proof of any contract with HDFC Standard Life Insurance Company Limited.

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1800 228 228
Toll Free - Any Phone
1800 209 7777
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6000 7777
SERVICE to 5676727
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Product Info:
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