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  • HDFC Life NRI Plans

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    A global economy has given rise to a number of Indians going abroad to earn money. Non-Resident Indians account for a sizeable portion of the new global workforce. They help boost not just the economy of the country where they stay and work, but also help in developing India through their investments.

    HDFC Life offers a host of insurance plans for NRIs, ensuring that they can avail the same level of protection as those staying in the country. HDFC Life has taken multiple factors into account, tailoring these products according to the unique needs and requirements of NRIs.

    Benefits of HDFC Life NRI Insurance Plans

    • These plans are catered to the unique needs of NRIs.
    • They provide protection to the family of an NRI.
    • One can choose from investment plans, child insurance plans, term insurance plans, or pension plans.
    • NRIs can enhance the protection offered by these plans by choosing additional riders.
    • One can choose the amount and term for which they wish to be protected.

    List of NRI Insurance Plans provided by HDFC Life

    HDFC Life offers NRI Plans under different categories, as highlighted below:

    NRI Term Insurance Plans – HDFC Life offers two term insurance plan for NRIs:

    HDFC Life Click 2 Protect Plus Plan:

    This is a non-linked term plan which does not partake in any profits of the company. It is ideal for those looking for substantial protection at affordable rates. One has the option to enhance the plan by choosing between four cover options.

    Plan Name Entry Age Maturity Age Premium
    HDFC Life Click 2 Protect Plus Minimum: 18 years Maximum: 65 years Maximum: 75 years Minimum: Rs.3,000 (annualised premium) Maximum: No upper limit

    HDFC Life Click 2 Protect 3D Plus:

    This is a non-linked, non-participating plan which provides protection against death, disease, and disability. One can also opt for whole life protection under this policy. There are 9 options offered under this plan.

    Plan Name Entry Age Maturity Age Premium
    HDFC Life Click 2 Protect 3D Plus Minimum:
    • 25 years for Life Long Protection, 3D Life Long Protection Plans
    • 18 years for other plans
    Maximum: 65 years
    Minimum: 23 years for plans excluding Life Long and 3D Life Long Protection Plans Maximum: 75 years for plans excluding Life Long and 3D Life Long Protection Plans Minimum:
    • Annual – Rs.2,234
    • Single – Rs.10,164
    Maximum: No upper limit

    NRI Child Insurance Plans – HDFC offers two child insurance plans, as mentioned below:

    HDFC Life YoungStar Udaan:

    This is a traditional life insurance plan which helps a parent secure the future of his/her child. It offers a participating endowment with moneyback option. One can choose between three maturity benefits, based on the future expectations for their children. It also comes with two death benefit options.

    Plan Name Entry Age Maturity Age Premium
    HDFC Life YoungStar Udaan Minimum:
    • 30 days for Option 1
    • 8 years for Options 2 and 3
    • 18 years for all options
    Maximum:
    • 60 years for Options 1,2, and 3
    • 55 years for all options
    Minimum:
    • 18 years for Option 1
    • 23 years for Options 2 and 3
    • 33 years for all options
    Maximum:
    • 75 years
    Minimum:
    • Monthly –Rs.2,000
    • Quarterly – Rs.6,000
    • Half-yearly – Rs.12,000
    • Yearly – Rs.24,000
    Maximum: No upper limit

    HDFC SL YoungStar Super Premium:

    This is a unit linked plan which provides an insurance cover. It comes with two payment options, Save Benefit and Save-n-Gain Benefit. One can choose from four fund options based on their future expectations.

    Plan Name Entry Age Maturity Age Premium
    HDFC SL YoungStar Super Premium Minimum: 18 years Maximum:
    • 65 years for Life Option
    • 55 years for Life & Health Option
    Maximum:
    • 75 years for Life Option
    • 65 years for Life & Health Option
    Minimum: Rs.15,000 Maximum: No upper limit

    Retirement Plans – NRIs can choose from 7 retirement plans, as listed below:

    HDFC Life Click 2 Retire:

    This is a unit linked pension scheme which can be purchased online. It provides an assured vesting benefit, with no entry and exit charges.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Click 2 Retire Minimum: 18 years Maximum: 65 years Minimum: 45 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    • Single – Rs.50,000
    Maximum: No upper limit

    HDFC Life Guaranteed Pension Plan:

    This is a traditional, non-participating pension scheme which offers guaranteed additions to policyholders. It also provides a vesting benefit and a death benefit.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Guaranteed Pension Plan Minimum: 35 years Maximum: 65 years Minimum: 55 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    Maximum: No upper limit

    HDFC Life Personal Pension Plus:

    This is a traditional pension plan which offers bonuses to the life assured. It offers both, a vesting benefit and death benefit.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Personal Pension Plus Minimum: 18 years Maximum: 65 years Minimum: 55 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    Maximum: No upper limit

    HDFC Life New Immediate Annuity Plan:

    This a traditional annuity scheme which is not linked to any market instruments. One can choose from a range of annuity options, ensuring they plan their retirement down to the last detail.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life New Immediate Annuity Plan Minimum: 30 years Maximum: 85 years NA Minimum:
    • Annual - Rs.10,000
    • Bi-annual – Rs.5,000
    • Quarterly – Rs.3,000
    • Monthly – Rs.1,000
    Maximum: No upper limit

    HDFC Life Assured Pension Plan:

    This is a unit linked pension scheme which helps one plan their retirement.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Assured Pension Plan Minimum: 18 years Maximum: 65 years Minimum: 45 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    • Single – Rs.50,000
    Maximum: No upper limit

    HDFC Life Pension Super Plus:

    This is a unit linked policy which invests in the Pension Super Plus 2012 fund.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Pension Super Plus Minimum: 35 years Maximum: 65 years Minimum: 55 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    Maximum: No upper limit

    HDFC Life Single Premium Pension Super:

    This is a single premium scheme which is linked to the Pension Super Plus 2012 fund. It offers a vesting benefit during the lifetime of a policyholder, and a death benefit in the event of his/her demise.

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Single Premium Pension Super Minimum: 40 years Maximum: 75 years Minimum: 50 years Maximum: 85 years Minimum: Rs.25,000 (single premium) Maximum: No upper limit

    QROPS:

    QROPS can be used by NRIs who have acquired pension in the United Kingdom and wish to transfer it to India. HDFC Life offers three plans which can be used by UK based NRIs:

    HDFC Life Guaranteed Pension Plan:

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Guaranteed Pension Plan Minimum: 35 years Maximum: 65 years Minimum: 55 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    Maximum: No upper limit

    HDFC Life Personal Pension Plus:

    Plan Name Entry Age Vesting Age Premium
    HDFC Life Personal Pension Plus Minimum: 18 years Maximum: 65 years Minimum: 55 years Maximum: 75 years Minimum:
    • Annual - Rs.24,000
    • Bi-annual – Rs.12,000
    • Quarterly – Rs.6,000
    • Monthly – Rs.2,000
    Maximum: No upper limit

    HDFC Life New Immediate Annuity Plan:

    Plan Name Entry Age Vesting Age Premium
    HDFC Life New Immediate Annuity Plan Minimum: 30 years Maximum: 85 years NA Minimum:
    • Annual - Rs.10,000
    • Bi-annual – Rs.5,000
    • Quarterly – Rs.3,000
    • Monthly – Rs.1,000
    Maximum: No upper limit

    Saving and Investment Plans – HDFC Life offers 13 plans which NRIs can use to save their money, as highlighted in the table below:

    Plan Name Entry Age Maturity Age Premium
    HDFC Life Uday Minimum: 18 years Maximum: 55 years Minimum:30 years Maximum: 70 years Minimum:
    • Annual - Rs.5,000
    • Bi-annual – Rs.2,500
    • Quarterly – Rs.1,250
    • Monthly – Rs.500
    Maximum: No upper limit
    HDFC Life Click 2 Invest ULIP Minimum: 30 days Maximum: 65 years Minimum: 18 years Maximum: 75 years Minimum:
    • Annual - Rs.12,000
    • Bi-annual – Rs.6,000
    • Quarterly – Rs.3,000
    • Monthly – Rs.1,000
    • Single – Rs.24,000
    Maximum: No upper limit
    HDFC Life Sampoorn Samridhi Plus Minimum: 30 days Maximum: 60 years Minimum: 18 years Maximum: 75 years Minimum:
    • Monthly-Rs.1,000
    • Quarterly – Rs.3,000
    • Half-yearly – Rs.6,000
    • Annually –Rs.12,000
    Maximum: No upper limit
    HDFC Life Super Savings Plan Minimum: 30 days Maximum: 60 years Minimum: 18 years Maximum: 75 years Minimum:
    • Monthly-Rs.2,000
    • Quarterly – Rs.6,000
    • Half-yearly – Rs.12,000
    • Annually –Rs.24,000
    Maximum: No upper limit
    HDFC Life Classic Assure Plus Minimum:
    • 30 days for 20 year policy
    • 3 years for 15 year policy
    • 8 years for 10 year policy
    Maximum:
    • 55 years for 20/10 year policy
    • 60 years for 15 year policy
    Maximum:
    • 75 years for 15/20 year policy
    • 65 years for 10 year policy
    Minimum:
    • Monthly-Rs.1,000
    • Quarterly – Rs.3,000
    • Half-yearly – Rs.6,000
    • Annually –Rs.12,000
    Maximum: No upper limit
    HDFC Life Sanchay Minimum: 30 days Maximum: 45 years Minimum: 18 years Maximum: 70 years Minimum:
    • Half-yearly – Rs.15,000
    • Monthly – Rs.2,500
    • Annual – Rs.30,000
    • Quarterly – Rs.7,500
    Maximum: No upper limit
    HDFC Life Super Income Plan Minimum:
    • 2 years for 16 year policy
    • 30 days for policies ranging between 18 and 27 years
    Maximum:
    • 59 years for 16 year policy
    • 57 years for 18 year policy
    • 55 years for 20 year policy
    • 53 years for 22 year policy
    • 51 years for 24 year policy
    • 48 years for 27 year policy
    Minimum: 18 years Maximum: 75 years Minimum:
    • Monthly-Rs.2,000
    • Quarterly – Rs.6,000
    • Half-yearly – Rs.12,000
    • Annually –Rs.24,000
    Maximum: No upper limit
    HDFC Life Sampoorn Nivesh Minimum:
    • 30 days for Classic Benefit (Life Option) and Classic Plus Benefit
    • 18 years for Classic Benefit (Extra Life Option) and Classic Waiver Benefit
    Minimum:
    • 18 years for Classic Benefit (Life Option) and Classic Plus Benefit
    • 28 years for Classic Benefit (Extra Life Option) and Classic Waiver Benefit
    Minimum:
    • Monthly-Rs.2,000
    • Quarterly – Rs.6,000
    • Half-yearly – Rs.12,000
    • Annually –Rs.24,000
    • Single – Rs.24,000
    Maximum: No upper limit
    HDFC SL ProGrowth Flexi Minimum:
    • 14 years for Life Option
    • 18 years for Extra Life Option
    Maximum:
    • 65 years for Life Option
    • 55 years for Extra Life Option
    Maximum:
    • 75 years for Life Option
    • 70 years for Extra Life Option
    Minimum:
    • Monthly-Rs.2,500
    • Half-yearly – Rs.10,000
    • Annually –Rs.24,000
    Maximum:
    • No upper limit
    HDFC Life ProGrowth Plus Minimum:
    • 14 years for Life Option
    • 18 years for Extra Life Option
    Maximum:
    • 65 years for Life Option
    • 55 years for Extra Life Option
    Maximum:
    • 75 years for Life Option
    • 70 years for Extra Life Option
    Minimum:
    • Monthly-Rs.2,500
    • Half-yearly – Rs.10,000
    • Annually –Rs.24,000
    Maximum:
    • Rs.1 lakh per year
    HDFC SL ProGrowth Super II Minimum:
    • 14 years for Life Option
    • 18 years for all other plans
    Maximum:
    • 65 years for Life Option
    • 55 years for all other plans
    Maximum:
    • 75 years for Life Option
    • 70 years for Extra Life Option
    • 65 years for all other plans
    Varies based on the plan option
    HDFC SL Crest Minimum: 14 years Maximum: 55 years Maximum: 65 years Minimum:
    • Rs.50,000
    Maximum:
    • No upper limit
    HDFC SL ProGrowth Maximiser Minimum: 14 years Maximum: 65 years Maximum: 75 years Minimum: Rs.50,000 Maximum: No upper limit

    Why do you need HDFC Life NRI Insurance Plans?

    HDFC Life NRI plans provide comprehensive cover to individuals. Not only can one invest their hard-earned money in these plans, but they also get an opportunity to see their money offer generous returns. They are ideal for those looking to protect the interests of their family back home, in addition to securing their way of life. These plans can be purchased and monitored online, ensuring that one can modify them accordingly, without the need to be actually present in the country.