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What do you want to do?
Why HDFC Life Sanchay Legacy?
A Non-Linked Non-Participating Individual Pure Risk Premium / Savings Life Insurance Plan
Whole Life plan to leave a legacy for your family
2 Plan Options to choose from as per your needs
Acceleration of 100% Death benefit on diagnosis of 19 Critical Illnesses covered
Waiver of Premium on 60 CIs covered through WOP on CI option
Waiver of Premium on occurrence of Total and Permanent Disability through WOP on TPD option
Option to receive Death Benefit in Instalments
Option to decrease your premiums after 5 years
Enhanced Protection through Riders
Whole Life plan to leave a legacy for your family
2 Plan Options to choose from as per your needs
Acceleration of 100% Death benefit on diagnosis of 19 Critical Illnesses covered
Waiver of Premium on 60 CIs covered through WOP on CI option
Waiver of Premium on occurrence of Total and Permanent Disability through WOP on TPD option
Option to receive Death Benefit in Instalments
Option to decrease your premiums after 5 years
Enhanced Protection through Riders
Your Plan. Your Benefits
- Plan Options
- Death Benefit
- Maturity Benefit
- Acceleration of Death Benefit
- Additional Options/ Benefits
Plan Options
You can choose any of the two options at inception. Plan option once selected shall remain the same for the duration of the policy:
Life Option
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Under this option, the life assured is covered for death benefit for whole of life. The Death benefit shall be accelerated in case of diagnosis of the covered Critical Illness as mentioned under Acceleration of Death Benefit section.
RoP Option
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Under this option, the life assured is covered for death benefit during the policy term. The Death Benefit shall be accelerated in case of diagnosis of the covered Critical Illness as mentioned under Acceleration of Death Benefit section. Further the life assured shall receive 100% of the Total Premiums Paid as lump sum on maturity, provided he survives till the policy maturity.
The policyholder can choose any one of the above options, 1 & 2 at the outset.
Check Eligibility Criteria
Before buying HDFC Life Sanchay Legacy
ELIGIBILITY CRITERIA
Parameters |
Minimum |
Maximum |
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Age at Entry (years) |
45 years |
Single Pay: 65 years 5 & 6 years: 60 years 7 to 10 years: 65 years 11 to 15 years: 75 years less PPT |
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Age at Maturity (years) |
Life Option |
Whole of Life |
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RoP Option |
99 years |
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Premium Paying Term (PPT) |
Single Pay (1.25x DBM) 5 years to 15 years (7x DBM) 8 years to 15 years (10x DBM) |
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Policy Term |
Life Option |
Whole Life |
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RoP Option |
99 less Age at Entry |
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Instalment Premium |
Single Pay (1.25x DBM) : Rs. 1,00,000 Limited Pay: 10x DBM: Annual: Rs. 1,00,000 Half-yearly: Rs. 51,000 Quarterly: Rs. 26,000 Monthly: Rs. 8,750 7x DBM: Annual: Rs. 30,000 Half-yearly: Rs. 15,300 Quarterly: Rs. 7,800 Monthly: Rs. 2,625 |
Consistent with Maximum Sum Assured on Death |
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Sum Assured on Death |
Single Pay: 1.25 times the Single Premium Limited Pay: 7 times the Annualised Premium* |
Single Pay: 1.25 times the Single Premium Limited Pay: 10 times the Annualised Premium* subject to the Board Approved Underwriting Policy (BAUP) |
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract.
DBM refers to Death Benefit Multiple. Premium will vary depending on the plan option chosen.
*Annualised Premium means the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
Term Insurance is incomplete without Riders
Riders in insurance have an important part in contingency planning.
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HDFC Life Income Benefit on Accidental Disability Rider
UIN: 101B013V03
Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
DOWNLOAD -
HDFC Life Critical Illness Plus Rider
UIN: 101B014V02
We pay a lump sum amount equal to Rider Sum Assured upfront if diagnosed with of any of the specified critical illnesses.
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HDFC Life Protect Plus Rider
UIN: 101B016V01
Get protected with a proportion of Rider Sum Assured in case of Accidental Death or partial/total disability due to Accident or diagnosed with Cancer.
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HDFC Life Health Plus Rider
UIN: 101NB031V01
A lump sum benefit equivalent to Rider Sum Assured shall be payable on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured shall be payable on diagnosis of Early Stage Cancer / Major Cancer depending on the option chosen. No maturity benefit is payable under this rider..
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Not sure which insurance to buy?
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We help you to choose best insurance plan based on your needs
*Non medical limits as per customer profile and life cover opted will apply. Simplified underwriting guidelines applicable under this plan.
**100% of Death Benefit is paid and the policy terminates. CI cover will start after the end of 10th policy year or PPT, whichever is later.
ARN: PP/11/23/6049