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Policy Servicing
This section will provide you various information about your policy. The section also consists of different forms which can be used for making any changes in your policy.
This section will provide you various information about your policy. The section also consists of different forms which can be used for making any changes in your policy.
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Track your policy details online via My Account. To register for free click here.
If already registered, click here to login.
Call 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply
Do NOT prefix any country code. e.g. +91 or 00 or
Write to us at Service@HDFCLife.com
NRI Customers : Please write to us at NRIservice@HDFCLife.com
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For changes in your personal or policy details, please fill in the appropriate form and submit it at any HDFC Life branch. Use the Branch Locator link available under Quick Links to locate nearest HDFC Life branch.
- Policy Servicing Form - Life Stage Protection Feature
- Change in personal or policy details
- Excess Refund, Free Look Cancellation or Withdrawal of proposal
- Indemnity-Loss/Non-receipt of Policy Document
- Transfer of Ownership
- Know Your Customer Addendum - Third Party KYC
- Owner Change Form
- NEFT Mandate
- Reduction in Premium - Conventional Plan
- Reduction in Premium - ULIP Plan
- Assignment Form
- Reassignment Form
- Partial Withdrawal Form
- Customer Consent Document (CCD) - HDFC Bank
- Customer Consent Document (CCD) - Others
- Customer Consent Document (CCD) - Channels (IRDAI)
- Customer Consent Document (CCD) - IDFC Bank
- Application for Transfer of Funds-New Business
- Banker's Verification Form
- Specimen Signature Form
- FATCA CRS Annexure- New Business
- Form No. 60
- HDFCSL DeclarationN In Lieu of PAN Card
- Name Declaration Format
- Payout Declaration on behalf of customer
- PHS form- Revival
- SmartEMI & MID HDFC Bank- New Business
- Vernacular Declaration Format
- Consent format for Aadhaar authentication
- Request for Major Alterations
- HRN & HRI SMQ
- Health Revival form
In case of unit linked policies, in addition to the above, you can also avail of the following:
Hindi
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
Gujarati
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
Marathi
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
Bengali
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
Tamil
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
Telugu
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
Kannada
- Fund Switch & Premium Redirection Form
- Additional Single Premium Top-Up Form
- Partial Withdrawal Form
- Policy Servicing Request Form 2
*Conditions apply
**You are requested to contact us at any of our touch points for detailed information on the issue of duplicate policy documents.
For any further queries or information related to policy servicing, please contact us at any of our service touch points.
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A life/health insurance policy moves into non In-force status if the premium is not collected by the end of grace period. A policyholder can revive the policy by paying the outstanding premium(s) (inclusive of taxes and levies, interest and revival fee as applicable). The policy will become In-force once all the requirements raised as per the terms and conditions of the policy are fulfilled.
If policy holder fails to pay the premium even after the expiry of grace period, the policy status will be changed to lapse or Paid- Up depending on the year in which the policyholder fails to pay the premium.
The lapsed, Paid- Up or Discontinued policy can be revived as per conditions governing the product. You need to provide the insurer with evidence of insurability and pay all the outstanding premiums and related charges (if any).
If policy is in lapsed status for less than 6 months:
- Outstanding Premium(s)
- Revival Charges (If any)
If policy is in lapsed status for more than 6 months:
- Outstanding Premium(s)
- Revival Charges & interest charges ( interest charges are applicable for conventional plans)
- Personal Statement of Health (PHS) (only for underwriting plans) (PHS not required for Unit Linked Paid up cases)
- Revival Form & quote
If policy is in lapsed status for more than 1 year:
- Outstanding Premium(s)
- Revival Charges & interest charges ( interest charges are applicable for conventional plans)
- Revival Form & quote
- Personal Statement of Health (PHS) (only for underwriting plans) (PHS not required for Unit Linked Paid up cases)
- Online Payment
- Standing Instructions
- Electronic Clearing Service
- Direct Debit Facility Non ECS Location
- Credit Card Auto Debit
- Bill Pay
- Easy Bill
- MP Online
- Drop Boxes
- Post or Courier
- HDFC Life Branches
- Automated Voice Guided Payment
- Axis Bank Branch
- Yes Bank Branch
- E-Collect
Below are the service touch points for your convenience.
- Call Us: 1860 267 9999 Mon-Sat 10am - 7pm (Local charges apply. Do NOT prefix any country code e.g. +91 or 00)
- Email: Service@HDFCLife.com
- NRI Customers : Please write to us at NRIservice@HDFCLife.com
Revival & Reinstatement of any policy incur a fixed cost, hence to compensate for that expense, INR 250 is charged.
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- HDFC Life ClassicAssure Plus_101N089V03
- HDFC Life Click 2 Protect 3D Plus_101N115V03 (Key Features Document)
- HDFC Life Click 2 Protect Plus_101N101V02
- HDFC Life Guaranteed Pension Plan_101N092V04
- HDFC Life New Immediate Annuity_101N084V06
- HDFC Life Personal Pension Plus_101N091V03
- HDFC Life Pragati_101N114V03
- HDFC Life Sampoorn Samridhi Plus_101N102V03
- HDFC Life Sanchay_101N097V06
- HDFC Life Super Income_101N098V03
- HDFC Life Super Savings Plan_101N090V01
- HDFC Life Uday_101N105V03
- HDFC Life YoungStar Udaan_101N099V02
- HDFC Life Pension Guaranteed Plan (Key Features Document)
- HDFC Classic One-Standard(Single-Pay) 101L132V01
- HDFC Life Classic One-Enhanced (Single-Pay) 101L132V01
- HDFC Life Assured Pension Plan - Enhanced (Single)_101L109V04
- HDFC Life Assured Pension Plan - Standard (Regular & Limited)_101L109V04
- HDFC Life Assured Pension Plan - Standard (Single)_101L109V04
- HDFC Life Assured Pension Plan - Enhanced (Regular & Limited)_101L109V04
- HDFC Life Capital Shield - Enhanced 5 Pay_101L112V01
- HDFC Life Capital Shield - Enhanced Single Pay_101L112V01
- HDFC Life Capital Shield - Standard 5 Pay_101L112V01
- HDFC Life Capital Shield - Standard Single Pay_101L112V01
- HDFC Life Click 2 Invest_101L100V02 (Key Features Document)
- HDFC Life Click 2 Retire (Regular & Limited Pay)_101L108V03
- HDFC Life Click 2 Retire (Single Pay)_101L108V03
- HDFC Life Pension Super Plus_101L085V03
- HDFC Life ProGrowth Plus_101L081V04
- HDFC Life Sampoorn Nivesh Plan - Enhanced (Regular & Limited Pay)_101L103V01
- HDFC Life Sampoorn Nivesh Plan - Enhanced (Single Pay)_101L103V01
- HDFC Life Sampoorn Nivesh Plan - Standard (Regular & Limited Pay)_101L103V01
- HDFC Life Sampoorn Nivesh Plan - Standard (Single Pay)_101L103V01
- HDFC Life Single Premium Pension Super_101L086V03
- HDFC Life Smart Woman Plan_101L082V02
- HDFC SL Crest_101L064V02
- HDFC SL ProGrowth Flexi_101L072V04
- HDFC SL ProGrowth Maximiser_101L067V02
- HDFC SL ProGrowth Super II_101L066V03
- HDFC SL Youngstar Super Premium (Enhanced)_101L068V02
- HDFC SL YoungStar Super Premium (Standard)_101L068V02
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At HDFC Life, we always strive to provide premier products with high benefits to our customers. Details of the Historical Bonus Rates are given below:
| HDFC Money Back Plan (UIN :101N002V01) | |
|---|---|
| 2007-08 | 2.25% |
| 2008-09 | 2.25% |
| 2009-10 | 2.00% |
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| 2014-15 | 2.00% |
| 2015-16 | 2.00% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC Children's Plan (UIN : 101N010V01) | |
|---|---|
| 2007-08 | 2.25% |
| 2008-09 | 2.25% |
| 2009-10 | 2.00% |
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| 2014-15 | 2.00% |
| 2015-16 | 2.00% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC SL Endowment Assurance Plan (UIN: 101N001V02 & 101N001V01) | |
|---|---|
| 2007-08 | 2.25% |
| 2008-09 | 2.25% |
| 2009-10 | 1.75% |
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| 2014-15 | 2.00% |
| 2015-16 | 2.00% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC Savings Assurance Plan (UIN: 101N014V01) | |
|---|---|
| 2007-08 | 3.25% |
| 2008-09 | 3.25% |
| 2009-10 | 3.25% |
| 2010-11 | 3.25% |
| 2011-12 | 3.25% |
| 2012-13 | 3.25% |
| 2013-14 | 3.25% |
| 2014-15 | 3.25% |
| 2015-16 | 3.25% |
| 2016-17 | 2.50% |
| 2017-18 | 2.50% |
| HDFC Assurance Plan (UIN: 101N018V01) | |
|---|---|
| 2007-08 | 3.25% |
| 2008-09 | 3.25% |
| 2009-10 | 3.25% |
| 2010-11 | 3.25% |
| 2012-13 | 3.25% |
| 2013-14 | 3.25% |
| 2014-15 | 3.25% |
| 2015-16 | 3.25% |
| 2016-17 | 2.50% |
| 2017-18 | 2.50% |
| HDFC Personal Pension Plan (Regular Premium) (UIN :101N008V01) | |
|---|---|
| 2007-08 | 2.25% |
| 2008-09 | 2.25% |
| 2009-10 | 2.00% |
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| 2014-15 | 2.00% |
| 2015-16 | 2.00% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) | |
|---|---|
| 2007-08 | 5.00% |
| 2008-09 | 5.00% |
| 2009-10 | 5.00% |
| 2010-11 | 5.00% |
| 2010-11 | 5.00% |
| 2012-13 | 5.00% |
| 2013-14 | 5.00% |
| 2014-15 | 5.00% |
| 2015-16 | 5.00% |
| 2016-17 | 5.00% |
| 2017-18 | 5.00% |
| HDFC Single Premium Whole of Life Insurance Plan (UIN :101N004V01) | |
|---|---|
| 2007-08 | 5.00% |
| 2008-09 | 5.00% |
| 2009-10 | 4.50% |
| 2010-11 | 4.50% |
| 2011-12 | 4.50% |
| 2012-13 | 4.50% |
| 2013-14 | 4.50% |
| 2014-15 | 4.50% |
| 2015-16 | 4.50% |
| 2016-17 | 4.50% |
| 2017-18 | 4.50% |
| HDFC SL Endowment Gain Insurance Plan (UIN :101N071V01) | |
|---|---|
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| 2014-15 | 2.00% |
| 2015-16 | 2.00% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC SL New Money Back Plan (UIN: 101N063V01) | |
|---|---|
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| 2014-15 | 2.00% |
| 2015-16 | 2.00% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC SL Group Savings Plan (UIN: 101N062V01) | |
|---|---|
| 2010-11 | 2.00% |
| 2011-12 | 2.00% |
| 2012-13 | 2.00% |
| 2013-14 | 2.00% |
| HDFC SL ClassicAssure Insurance Plan (UIN :101N076V01) | |
|---|---|
| 2010-11 | 3.00% |
| 2011-12 | 3.00% |
| 2012-13 | 3.00% |
| 2013-14 | 2.75% |
| 2014-15 | 2.75% |
| 2015-16 | 2.75% |
| 2016-17 | 2.00% |
| 2017-18 | 2.00% |
| HDFC Life ClassicPension Insurance Plan (UIN: 101N077V01) | |
|---|---|
| 2011-12 | 3.00% |
| 2012-13 | 3.00% |
| 2013-14 | 3.00% |
| 2014-15 | 3.00% |
| 2015-16 | 3.00% |
| 2016-17 | 3.00% |
| 2017-18 | 3.00% |
| Personal Pension Plus(UIN: 101N091V01,101N091V02,101N091V03) | |
|---|---|
| HDFC Life Personal Pension Plus Plan (UIN: 101N091V01) | |
| 2013-14 | 3.00% |
| 2014-15 | 3.00% |
| 2015-16 | 3.00% for Policy Term 10-14 yrs, 3.50% for Policy Term 15-19 yrs, 4.00% for Policy Term 20-24 yrs, 4.50% for Policy Term 25-29 yrs and 5.00% for Policy Term > 30 yrs |
| 2016-17 | 3.0% for Policy Term 10 yrs to 14 yrs, 3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25 yrs to 29 yrs, 5.0% for Policy Term 30+ yrs |
| 2017-18 | 3.50% for Policy Term 10 yrs to 14 yrs, 3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25 yrs to 29 yrs, 5.00% for Policy Term 30+ yrs |
| HDFC Life Sampoorn Samridhi Insurance Plan (UIN: 101N078V01) | |
|---|---|
| 2013-14 | 3.00% |
| 2014-15 | 3.00% |
| 2015-16 | 3.00% |
| 2016-17 | 3.00% |
| 2017-18 | 3.00% |
| HDFC Life ClassicAssure Plus Plan (UIN: 101N089V01) | |
|---|---|
| 2013-14 | 3.00% |
| 2014-15 | 3.00% |
| 2015-16 | 3.50% for Policy Term 10 yrs, 4.00% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs |
| 2016-17 | 3.00% for Policy Term 10 yrs, 3.50% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs |
| 2017-18 | 3.00% for Policy Term 10 yrs, 3.50% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs |
| HDFC Life Super Savings Plan (UIN: 101N090V01) | |
|---|---|
| 2013-14 | 3.50% |
| 2014-15 | 3.50% |
| 2015-16 | 3.50% for Policy Term 15-19 yrs, 4.00% for Policy Term 20-24 yrs and 4.50% for Policy Term > 25 yrs |
| 2016-17 | 3.50% for Policy Term 15-19 yrs, 4.00% for Policy Term 20-24 yrs and 4.50% for Policy Term > 25 yrs |
| 2017-18 | 3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs |
| Super Income Plan(UIN:101N098V01,101N098V02) | |
|---|---|
| Super Income (UIN: 101N098V01) | |
| 2013-14 | 4.50% |
| 2014-15 | 4.50% |
| 2015-16 | 5.00% for Policy Term 16-20 yrs and 5.50% for Policy Term 22-27 yrs |
| 2016-17 | 4.50% for Policy Term 16 yrs to 20 yrs, 5.0% for Policy Term 22 yrs to 27 yrs |
| 2017-18 | 4.50% for Policy Term 16 yrs to 20 yrs, 5.0% for Policy Term 22 yrs to 27 yrs |
| Young Star Udaan(UIN: 101N099V01,101N099V02) | |
|---|---|
| YoungStar Udaan | |
| 2014-15 | 3.50% |
| 2015-16 | 4.00% for Policy Term 15-19 yrs and 4.50% for Policy Term 20-29 yrs |
| 2016-17 | 3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 29 yrs |
| 2017-18 | 3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 29 yrs |
| Sampoorn Samridhi plus(UIN: 101N102V01,101N102V02) | |
|---|---|
| Sampoorna Samridhi Plus | |
| 2014-15 | 3.50% |
| 2015-16 | 4.00% for Policy Term 15-19 yrs, 4.50% for Policy Term 20-24 yrs and 5.00% for Policy Term > 25 yrs |
| 2016-17 | 3.50% for Policy Term 15 yrs to 19 yrs, 4.50% for Policy Term 20 yrs to 24 yrs, 5.0% for Policy Term 25+ yrs |
| 2017-18 | 3.50% for Policy Term 15 yrs to 19 yrs, 4.50% for Policy Term 20 yrs to 24 yrs, 5.00% for Policy Term 25+ yrs |
| Uday(UIN: 101N105V01,101N105V02) | |
|---|---|
| Uday | |
| 2015-16 | 3.60% |
| 2016-17 | 3.6% for all Policy Terms |
| 2017-18 | 3.60% for Policy Terms 12 yrs, 4.00% for Policy Term 15 yrs |
| Deferment Period* | Proposed RB/IB | |
|---|---|---|
| Limited / Regular Pay | Single Pay | |
| 0 | 1.25% | NA |
| 1 | 1.50% | NA |
| 2 | 1.75% | NA |
| 3 | 2.00% | NA |
| 4 | 2.25% | 2.25% |
| 5 | 2.50% | 2.50% |
| 6 | 2.75% | 2.75% |
| 7 | 3.00% | 3.00% |
| 8 | 3.25% | 3.25% |
| 9 | 3.50% | 3.50% |
| 10 | 3.75% | 3.75% |
| 11 | 4.00% | 4.00% |
| 12 | 4.25% | 4.25% |
| 13 | 4.50% | 4.50% |
| 14 | 4.75% | 4.75% |
| 15 | 5.00% | 5.00% |
| 16 | NA | 5.25% |
| 17 | NA | 5.50% |
| 18 | NA | 5.75% |
| 19 | NA | 6.00% |
| Product | Deferment Period1 | RB/IB rates declared on 31st March 2017 | RB/IB rates proposed on 31st March 2018 |
| Pragati | 0 to 5 | 1.25% - 2.50% | 2.50% |
| 6 to 10 | 2.75% - 3.75% | 3.75% | |
| 11 to 15 | 4.00% - 5.00% | 5.00% | |
| 16 and above | 5.25% - 6.00% | 6.00% |
Disclaimer
1Deferment period = Policy term – Premium payment term
1RB on SPWL is on compound basis, while on all other products it is on simple basis
2The policies under Sampoorn Samridhi product are eligible for Reversionary Bonus only after 3 years premiums are paid
| HDFC Money Back Plan (UIN: 101N002V01) | |
|---|---|
| Bonus Declaration: 31st March 2010* | 4.00% |
| Bonus Declaration: 31st March 2011* | 10.00% |
| Bonus Declaration: 31st March 2012** | 12.50% |
| Bonus Declaration: 31st March 2013** | 12.50% |
| Bonus Declaration: 31st March 2014** | 13.00% |
| Bonus Declaration: 31st March 2015** | 13.50% for Policy Term 10 yrs and 28% for Policy Term 15 yrs |
| Bonus Declaration: 31st March 2016** | 13.50% for Policy Term 10 yrs and 30.00% for Policy Term 15 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| Money Back(UIN: 101N002V01) | 10 | 13.50% | 15.00% | 15.00% |
| 15 | 30.00% | 37.00% | 40.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
Money Back | 10 | 16.00% | 16.00% |
| 11 | 21.00% | NA | |
| 12 | 26.00% | NA | |
| 13 | 31.00% | NA | |
| 14 | 36.00% | NA | |
| 15 | 37.00% | 41.00% |
| HDFC Children's Plan (UIN: 101N010V01) | |
|---|---|
| Bonus Declaration: 31st March 2012** | 8.50% |
| Bonus Declaration: 31st March 2013** | 8.50% |
| Bonus Declaration: 31st March 2014** | 9.5% |
| Bonus Declaration: 31st March 2015** | 9.5% for Policy Term 10-12 yrs and 15% for Policy Term 13-15 yrs |
| Bonus Declaration: 31st March 2016** | 10.00% for Policy Term 10 yrs, 12.00% for Policy Term 11 yrs, 14.50% for Policy Term 12 yrs, 16.50% for Policy Term 13 yrs and 18.00% for Policy Term 14 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| Children’s Plan(UIN: 101N010V01) | 10 | 10.00% | 11.00% | 11.00% |
| 11 | 12.00% | 12.50% | 12.50% | |
| 12 | 14.50% | 15.00% | 15.00% | |
| 13 | 16.50% | 17.50% | 17.50% | |
| 14 | 18.00% | 21.00% | 22.00% | |
| 15 | NA | 24.00% | 28.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
Children’s Plan | 10 | 11.00% | 11.00% |
| 11 | 12.50% | 12.50% | |
| 12 | 16.00% | 16.00% | |
| 13 | 19.00% | 19.00% | |
| 14 | 22.00% | 24.00% | |
| 15 | 24.00% | 30.00% | |
| 16 | 26.00% | 32.00% |
| HDFC SL Endowment Assurance Plan (UIN: 101N001V02 & 101N001V01) | |
|---|---|
| Bonus Declaration: 31st March 2011* | 10.00% |
| Bonus Declaration: 31st March 2012** | 8.50% |
| Bonus Declaration: 31st March 2013** | 8.50% |
| Bonus Declaration: 31st March 2014** | 9.5% for Policy Term 10-12 yrs and 10% for Policy Term > 12 yrs |
| Bonus Declaration: 31st March 2015** | 10.50% for Policy Term 10-12 yrs and 15% for Policy Term > 12 yrs |
| Bonus Declaration: 31st March 2016** | 11.00% for Policy Term 10 yrs, 12.50% for Policy Term 11 yrs, 15.00% for Policy Term 12 yrs, 17.50% for Policy Term 13 yrs, 20.00% for Policy Term 14 yrs, 23.00% for Policy Term 15 yrs and 25.00% for Policy Term 16 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| Endowment(UIN: 101N001V02 & 101N001V01) | 10 | 11.00% | 12.00% | 12.00% |
| 11 | 12.50% | 14.00% | 14.00% | |
| 12 | 15.00% | 16.00% | 16.00% | |
| 13 | 17.50% | 20.00% | 20.00% | |
| 14 | 20.00% | 24.00% | 26.00% | |
| 15 | 23.00% | 28.00% | 31.50% | |
| 16 | 25.00% | 32.00% | 33.50% | |
| 17 | NA | 35.00% | 37.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
HDFC SL Endowment Assurance Plan | 10 | 13.50% | 13.50% |
| 11 | 14.50% | 14.50% | |
| 12 | 16.00% | 17.00% | |
| 13 | 20.00% | 21.00% | |
| 14 | 24.00% | 27.00% | |
| 15 | 30.00% | 34.00% | |
| 16 | 32.00% | 36.00% | |
| 17 | 36.00% | 40.00% | |
| 18 | 40.00% | 44.00% |
| HDFC Personal Pension Plan (Regular Premium ) (UIN :101N008V01) | |
|---|---|
| Bonus Declaration: 31st March 2011* | 10.00% |
| Bonus Declaration: 31st March 2012** | 12.50% |
| Bonus Declaration: 31st March 2013** | 12.50% |
| Bonus Declaration: 31st March 2014** | 12.5% for Policy Term 10-12 yrs and 15% for Policy Term > 12 yrs |
| Bonus Declaration: 31st March 2015** | 18.00% for Policy Term 10-12 yrs and 25% for Policy Term > 12 yrs |
| Bonus Declaration: 31st March 2016** | 18.00% for Policy Term 10 yrs, 20.00% for Policy Term 11 yrs, 22.00% for Policy Term 12 yrs, 25.00% for Policy Term 13 yrs, 27.00% for Policy Term 14 yrs and 30.00% for Policy Term 15 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| Personal Pension – RP(UIN :101N008V01) | 10 | 18.00% | 18.00% | 18.00% |
| 11 | 20.00% | 21.00% | 21.00% | |
| 12 | 22.00% | 23.00% | 23.00% | |
| 13 | 25.00% | 26.00% | 26.00% | |
| 14 | 27.00% | 29.00% | 30.50% | |
| 15 | 30.00% | 33.00% | 34.50% | |
| 16 | NA | 36.00% | 37.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
Personal Pension – RP | 10 | 21.00% | 22.00% |
| 11 | 24.00% | 25.00% | |
| 12 | 27.00% | 28.00% | |
| 13 | 30.00% | 31.00% | |
| 14 | 33.00% | 35.00% | |
| 15 | 38.25% | 40.00% | |
| 16 | 42.50% | 45.00% | |
| 17 | 46.00% | 49.00% |
| HDFC Savings Assurance Plan (UIN: 101N014V01) | |
|---|---|
| Bonus Declaration: 31st March 2013** | 25.00% |
| Bonus Declaration: 31st March 2014** | 20.00% |
| Bonus Declaration: 31st March 2015** | 19.00% |
| Bonus Declaration: 31st March 2016** | 26.00% for Policy Term 10 yrs, 28.50% for Policy Term 11 yrs, 31.50% for Policy Term 12 yrs and 35.00% for Policy Term 13 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| SAP(UIN: 101N014V01) | 10 | 26.00% | 26.75% | 26.75% |
| 11 | 28.50% | NA | NA | |
| 12 | 31.50% | 32.50% | 32.50% | |
| 13 | 35.00% | 35.00% | 35.00% | |
| 14 | NA | 38.50% | 38.50% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
HDFC Savings Assurance Plan | 10 | 25.00% | 27.50% |
| 11 | 28.00% | NA | |
| 12 | 32.00% | 35.00% | |
| 13 | 34.00% | 40.00% | |
| 14 | 39.00% | 45.00% | |
| 15 | 45.00% | 52.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 5 | |
|---|---|
| Bonus Declaration: 31st March 2008* | 12.00% |
| Bonus Declaration: 31st March 2009* | 10.00% |
| Bonus Declaration: 31st March 2010* | 10.00% |
| Bonus Declaration: 31st March 2011* | 8.00% |
| Bonus Declaration: 31st March 2012** | 12.50% |
| Bonus Declaration: 31st March 2013** | 12.50% |
| Bonus Declaration: 31st March 2014** | 12.50% |
| Bonus Declaration: 31st March 2015** | 14.00% |
| Bonus Declaration: 31st March 2016** | 15.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 6 | |
|---|---|
| Bonus Declaration: 31st March 2008* | 14.00% |
| Bonus Declaration: 31st March 2009* | 12.00% |
| Bonus Declaration: 31st March 2010* | 14.00% |
| Bonus Declaration: 31st March 2011* | 12.00% |
| Bonus Declaration: 31st March 2012** | 15.00% |
| Bonus Declaration: 31st March 2013** | 15.00% |
| Bonus Declaration: 31st March 2014** | 15.00% |
| Bonus Declaration: 31st March 2015** | 35.00% |
| Bonus Declaration: 31st March 2016** | 21.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 7 | |
|---|---|
| Bonus Declaration: 31st March 2008* | 19.00% |
| Bonus Declaration: 31st March 2009* | 14.00% |
| Bonus Declaration: 31st March 2010* | 16.00% |
| Bonus Declaration: 31st March 2011* | 16.00% |
| Bonus Declaration: 31st March 2012** | 23.00% |
| Bonus Declaration: 31st March 2013** | 23.00% |
| Bonus Declaration: 31st March 2014** | 23.00% |
| Bonus Declaration: 31st March 2015** | 35.00% |
| Bonus Declaration: 31st March 2016** | 27.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 8 | |
|---|---|
| Bonus Declaration: 31st March 2009* | 16.00% |
| Bonus Declaration: 31st March 2010* | 20.00% |
| Bonus Declaration: 31st March 2011* | 20.00% |
| Bonus Declaration: 31st March 2012** | 30.00% |
| Bonus Declaration: 31st March 2013** | 30.00% |
| Bonus Declaration: 31st March 2014** | 30.00% |
| Bonus Declaration: 31st March 2015** | 35.00% |
| Bonus Declaration: 31st March 2016** | 32.50% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 9 | |
|---|---|
| Bonus Declaration: 31st March 2010* | 24.00% |
| Bonus Declaration: 31st March 2011* | 24.00% |
| Bonus Declaration: 31st March 2012** | 35.00% |
| Bonus Declaration: 31st March 2013** | 35.00% |
| Bonus Declaration: 31st March 2014** | 35.00% |
| Bonus Declaration: 31st March 2015** | 35.00% |
| Bonus Declaration: 31st March 2016** | 40.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 10 | |
|---|---|
| Bonus Declaration: 31st March 2011* | 28.00% |
| Bonus Declaration: 31st March 2012** | 45.00% |
| Bonus Declaration: 31st March 2013** | 45.00% |
| Bonus Declaration: 31st March 2014** | 45.00% |
| Bonus Declaration: 31st March 2015** | 45.00% |
| Bonus Declaration: 31st March 2016** | 48.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 11+ | |
|---|---|
| Bonus Declaration: 31st March 2012** | 52.00% |
| Bonus Declaration: 31st March 2013** | 52.00% |
| Bonus Declaration: 31st March 2014** | 55.00% |
| Bonus Declaration: 31st March 2015** | 60.00% |
| HDFC Personal Pension Plan (Single Premium) (UIN :101N008V01) 12+ | |
|---|---|
| Bonus Declaration: 31st March 2013** | 52.00% |
| Bonus Declaration: 31st March 2014** | 55.00% |
| Bonus Declaration: 31st March 2015** | 60.00% |
| Bonus Declaration: 31st March 2016** | 67.00% for Policy Term 12 yrs, 77.00% for Policy Term 13 yrs, 87.00% for Policy Term 14 yrs and 97.00% for Policy Term 15 yrs |
| HDFC Assurance Plan | |
|---|---|
| Bonus Declaration: 31st March 2014** | 15.00% |
| Bonus Declaration: 31st March 2015** | 18.00% |
| Bonus Declaration: 31st March 2016** | 20.00% for Policy Term 10 yrs, 22.50% for Policy Term 11 yrs and 25.00% for Policy Term 12 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| HAP | 10 | 20.00% | 21.00% | 24.00% |
| 11 | 22.50% | 25.00% | 30.00% | |
| 12 | 25.00% | 30.00% | 35.00% | |
| 13 | NA | 35.00% | 40.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
HDFC Assurance Plan | 10 | 23.00% | 27.00% |
| 11 | 30.00% | 33.00% | |
| 12 | 32.00% | 37.00% | |
| 13 | 38.00% | 43.00% | |
| 14 | 42.00% | 50.00% |
| HDFC Single Premium Whole of Life Insurance Plan | |
|---|---|
| Bonus Declaration: 31st March 2014** | 11.50% |
| Bonus Declaration: 31st March 2015** | 12.50% |
| Bonus Declaration: 31st March 2016** | 14.00% for Policy Term 10 yrs and 40.00% for Policy Term 15 yrs |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| SPWL | 10 | 14.00% | 15.00% | 15.00% |
| 11 | 14.00% | 22.50% | 22.50% | |
| 12 | 14.00% | 30.00% | 30.00% | |
| 13 | 14.00% | 45.00% | 45.00% | |
| 14 | 14.00% | 60.00% | 60.00% | |
| 15 | 40.00% | 70.00% | 70.00% | |
| 16 | NA | 80.00% | 80.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
HDFC Single Premium Whole of Life Insurance Plan | 10 | 20.00% | 20.00% |
| 11 | 27.00% | 27.00% | |
| 12 | 33.00% | 33.00% | |
| 13 | 48.00% | 48.00% | |
| 14 | 65.00% | 65.00% | |
| 15 | 80.00% | 80.00% | |
| 16 | 95.00% | 95.00% | |
| 17 | 115.00% | 115.00% |
| Product | Age at maturity | TB rates for BY’17 | TB rates for BY’18 (for deaths, surrenders and enhanced cover option maturity) | TB rates for BY’18 (cash option maturity) |
HDFC Sampoorn Samridhi(Term 5 to 7) | 20-25 | 35.00% | 25% | 30.00% |
| 26-30 | 35.00% | 30.00% | ||
| 31-35 | 35.00% | 32.50% | ||
| 36-40 | 37.50% | 35.00% | ||
| 41-45 | 42.50% | 37.50% | ||
| 46-50 | 47.50% | 42.50% | ||
| 51-55 | 50.00% | 48.00% | ||
| 56-60 | 55.00% | 55.00% | ||
| 61-65 | 60.00% | 60.00% |
| Product | Age at maturity | BY# ’19 (‘Enhanced Cover’ option) | BY# ’19 (‘Enhanced Cash’ option) |
Sampoorn Samridhi | 20-25 | 25% | 30.00% |
| 26-30 | |||
| 31-35 | 32.50% | ||
| 36-40 | 35.00% | ||
| 41-45 | 37.50% | ||
| 46-50 | 42.50% | ||
| 51-55 | 48.00% | ||
| 56-60 | 55.00% | ||
| 61-65 | 60.00% | ||
| 66-70 | 65.00% |
| Product | Policy Term / Duration | TB rates for BY’17 | TB rates for BY’18 (for deaths and surrenders) | TB rates for BY’18 (for maturities) |
| HDFC Personal Pension – SP | 5 | 15.00% | NA | NA |
| 6 | 21.00% | NA | NA | |
| 7 | 27.00% | 27.00% | 27.00% | |
| 8 | 32.50% | NA | NA | |
| 9 | 40.00% | NA | NA | |
| 10 | 48.00% | 48.00% | 48.00% | |
| 11 | NA | 57.00% | 57.00% | |
| 12 | 67.00% | 67.00% | 67.00% | |
| 13 | 77.00% | 85.00% | 85.00% | |
| 14 | 87.00% | 100.00% | 100.00% | |
| 15 | 97.00% | 120.00% | 120.00% |
| Product | Policy Term / Duration | TB Rates For BY’19 (for Death and surrenders) | TB Rates For BY’19 (for maturities) |
Personal Pension – SP | 7 | NA | NA |
| 8 | 31.00% | 31.00% | |
| 9 | 35.00% | 35.00% | |
| 10 | 48.00% | 48.00% | |
| 11 | 60.00% | 60.00% | |
| 12 | 72.00% | 72.00% | |
| 13 | 90.00% | 90.00% | |
| 14 | 115.00% | 115.00% | |
| 15 | 140.00% | 140.00% |
Notes:
- Please refer the policy document for applicability of bonus.
- Terminal Bonus rates are applicable for policies resulting in to claims by maturity in the year following the bonus declaration date.
- * - The rates are applicable on Sum Assured + Vested bonuses.
- ** - The rates are applicable on Sum Assured.
- Insurance is the subject matter of the solicitation
- HDFC Standard Life Insurance Company Ltd. Reg.No.101
- Payout of bonus is subject to company declaring the same
- #Bonus Year - 1st July 2018 to 30th June 2019
None
| Sr. No | Documents | Identity Proofs | Address Proofs |
|---|---|---|---|
| 1 | Passport | Y | Y |
| 2 | PAN | Y | - |
| 3 | Voter’s Identity Card | Y | Y |
| 4 | Driving License | Y | Y |
| 5 | Written confirmation from the banks where the prospect is a customer, regarding identification and proof of residence | Y | Y |
| 6 | Aadhaar Card | Y | Y |
| 7 | Letter issued by the Unique ldentification Authority of lndia or National Population Register containing details of name, address and Aadhaar number | Y | Y |
| 8 | Letter issued by a gazetted officer, with a duly attested photograph of the person (if contain the address) | Y | Y |
| 9 | Identity card with applicant's photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions (if contain the address) | Y | Y |
| 10 | Property or Municipal tax receipt | - | Y |
| 11 | Post office savings account statement | - | Y |
| 12 | Pension or family pension payment orders (PPOS) issued to retired employees by Government or Public Sector Undertakings, if they contain the address | Y | Y |
| 13 | Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similar, leave and license agreements with such employers allotting official accommodation (if contain the photograph) | Y | Y |
| 14 | Documents issued by Government departments of foreign jurisdiction and letter issued by Foreign Embassy or Mission in India (if contain the photograph) | Y | Y |
| 15 | All utility bills (electricity, telephone, post-paid mobile phone, piped gas, water bill) not more than 2 months old | - | Y |
| 16 | Bank account statement wherein his permanent/present residence address is available, provided it is not older than six months as on the date of acceptance (if contain the photograph) | Y | Y |
| 17 | Written confirmation from the banks where the prospect is a customer, regarding identification and proof of residence | Y | Y |
List of Official Valid Documents for KYC purposes
| Features | Documents |
|---|---|
| lnsurance Contracts with companies | i. Certificate of incorporation and Memorandum & Articles of Association ii. Resolution of the Board of Directors iii. Power of Attorney granted to its managers, officers or employees to transact business on its behalf iv. An officially valid document in respect of managers, officers or employees holding an attorney lo transact on its behalf |
| Insurance Contracts with partnership firms | i. Registration certificate, if registered ii. Partnership deed iii. Any officially valid document respect of the person holding attorney to transact on its behalf. |
| lnsurance Contracts with trusts & foundations | i. Certificate of registration ii. Trust Deed iii. Any officially valid document to identify the truslees, settlers, beneficiaries and those holding Power of Attorney, founders/ managers/ directors and their addresses |
Any other 'Officially valid document' that shall be notified by the Central Government, in consultation with the Regulator from time to time.
| Sr. No | Source of Fund / Proof of Income Document | Resident Indian | NRI | |||||
|---|---|---|---|---|---|---|---|---|
| Salaried | Self Employed / Business | Agriculturist | HRI/PEP | Special Jurisdictions | Salaried | Self Employed / Business | ||
| 1 | Salary slip / certificate – issued in last 3 months | Y | N | N | Y | Y | Y | N |
| 2 | ITR / Form 16 / assessment orders / Computation of Income | Y | Y | Y | Y | Y | Y | Y |
| 3 | Bank statement which establishes the Source of Fund / Bank statement (preceding 6 months) – addition of non cash credits | Y | Y | Y | Y | Y | Y (Indian bank statement) | Y (Indian bank statement) |
| 4 | Audited Company accounts | N | Y | N | Y | Y | N | Y |
| 5 | Audited firm accounts and Partnership Deed | N | Y | N | Y | Y | N | Y |
| 6 | Chartered Accountant’s Certificate | N | Y | N | Y | Y | N | Y |
| 7 | Fixed deposits statements/liquidation entries in bank statement, mutual fund receipts / redemption statements will be considered as valid proof of income / source of fund documents | Y | Y | Y | Y | Y | Y | Y |
| 8 | Rent receipt (issued in last 3 months) with valid agreement | Y | Y | Y | Y | Y | Y | Y |
| 9 | Mandi receipt / Form J / agriculture records | N | N | Y | N | N | N | N |
| 10 | Foreign Bank statement of specific countries showing credits (preceding 6 months) | N | N | N | N | N | Y | Y |
| 11 | Bank Statements reflecting cash credit transactions, where individual transaction value per instance and on a particular transaction date do not exceed Rs. 1,00,000 | N | N | N | N | Y | N | N |
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Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as term insurance plan, women's plan, health insurance plans, pension plans for retirement planning, child education plans, ULIPs, saving and investment plans. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!
HDFC Standard Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office:
HDFC Standard Life Insurance Company Limited,
Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.
The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement
For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792
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• 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.