HDFC Life NRI Plans

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.