|
|
|
|
|
|
|
Insurance Company
|
HDFC Standard Life Insurance Company Ltd
|
|
Plan Name
|
HDFC Life Smart Woman Plan
|
|
Plan Nature
|
ULIP
|
|
Plan Category
|
Savings & Investment Plan
|
|
UIN No.
|
101L082V01
|
|
About Plan
|
It is a unique insurance cum investment plan designed specifically for women. The plan offers benefits to take care of various stages of your life; be it on motherhood,fighting cancer or coping with the loss of a companion. This plan ensures that your saving continues, while you adjust to the new stages of your life,and you remain confident to live life your way.This Plan comes with comprehensive coverage option where we will cover you againt pregnancy complication and congenital conditions or for malignant female-specific cancers.
|
|
|
|
|
|
|
|
Minimum Entry Age
|
18Years
|
|
Maximum Entry Age
|
45Years
|
|
Minimum Maturity Age
|
28Years
|
|
Maximum Maturity Age
|
60Years
|
|
Minimum Sum Assured
|
Age Less than 45years - 10*Annualised Premium Age Equal to 45years - 7*Annualised Premium
|
|
Maximum Sum Assured
|
Age Equal to 45years - 40*Annulized Premium
|
|
Minimum Policy Term
|
10years
|
|
Maximum Policy term
|
15years
|
|
|
|
|
|
|
|
|
|
Benefits
|
|
|
| Particulars | Description |
|
Maturity Benefits
|
Your Policy matures at the end of the policy term you have chosen and all your risk cover cease. You may dedeem your balance units at prevailing unitprice and take fund value.You can take your fund value at maturity in periodical instalments over a periodical instalment is Rs10000. You may exercise this option within 30 to 180 days before the maturity. The mortality and morbidity risk covers will cease. your money will remains invested in the funds by you and is subject to the same investment risk as during the policy term. During such period, we will continue to deduct charges other than mortality and morbidity risk charge.
|
|
Death Benefits
|
Incase Of the Life Assured's unfortunate demise, we will Pay to the nominee the greater of the following: * Sum Assured less all withdrawals made during the two years period immediately preceding the date of death or * The Total fundvalue or, * 105% of the premiums paid.The Policy will terminate there after and no more benefits will be payable.
|
|
Partial Withdrawal Benefit
|
You can Makelump sum partial withdrawals from your funds after 5 years of your policy provided: * The minimum withdrawal amount in Rs10000. * After the withdrawal and applicable charges,the fund value is not less than 150% of your annualised premium. * The Maximum amount that can be withdrawn throughout the policy term is 300% of the original premium. We will waive partial withdrawal charges for upto 12 partial withdrawals within oneyear from date of childbirth.
|
|
Other Benefits
|
Special Benefits: * Enhanced Allocation Rate: you can enjoy enhanced allocation rate of 102.5%Pa. from 11th policy year. * Waiver of charges on withdrawel/switch: Becoming a mother is an important moment of your life. To make your journey towards motherhood financially comfortable we will waive charges on 12 partial withdrawals or switches, within one year from date of childbirth.
|
|
|
|
Tax Benefits
|
|
|
| Section | Description |
|
SEC 80 C
|
Under Section 80 C premiums up to Rs. 100,000 are allowed as deduction from taxable income.
|
|
SEC 10 (10)D
|
Maturity and Death Benefits are tax free under section 10 (10) D of the Income Tax Act, 1961.
|
|
|
|
|
|
|
|
|
|
|
|
Sum Assured of up to 40 times yor annualised premium
|
|
Choice of 3 Benefit Options - Classic, PRemier and Elite
|
|
Premium Waiver Benefit of Waiver and funding of 3 annual premium on * Birth of child with congenital disorder or pregnancy complications* Diagnosis of malignant cancer of female organs * Death of spouse
|
|
Additional periodiccash payouts Premier and EliteOption
|
|
Enjanced Allocation Rate from 11 year onwards
|
|
|
|
|
|
|
|
|
|
Balanced Fund - Life Super II
|
|
Blue Chip Wealth Builder Fund
|
|
Income Wealth Builder Fund
|
|
Opportunities Wealth Builder Fund
|
|
Policy Discontinued Fund
|
|
Short Term Fund - Life Super II
|
|
|
|
Particulars
|
Range
|
|
Balanced Fund - Life Super II
|
|
Money Market Instruments
|
0% - 20%
|
|
Govt Securities, Fixed Deposits Instruments & Bonds
|
0% - 60%
|
|
Equity
|
40% - 80%
|
|
Blue Chip Wealth Builder Fund
|
|
Money Market Instruments.
|
0% - 20%
|
|
Equity
|
80% - 100%
|
|
Income Wealth Builder Fund
|
|
Money Market Instrument
|
0% - 20%
|
|
Govt Securities
|
80% - 100%
|
|
Opportunities Wealth Builder Fund
|
|
Money Market Instrument
|
0% - 20%
|
|
Equity
|
80% - 100%
|
|
Policy Discontinued Fund
|
|
Debt
|
0% - 100%
|
|
Short Term Fund - Life Super II
|
|
Corp Debt
|
0% - 100%
|
|
|
|
|
|
|
|
|
|
|
Balanced Fund
|
14-Jun-13
|
11.0412
|
|
Blue Chip Fund
|
14-Jun-13
|
10.3742
|
|
Income Fund
|
14-Jun-13
|
13.6203
|
|
Opportunities Fund
|
14-Jun-13
|
10.6603
|
|
Policy Discontinued Fund
|
14-Jun-13
|
11.9244
|
|
Short Term Fund
|
14-Jun-13
|
12.4155
|
|
|
|
|
|
|
|
|
|
|
Balanced Fund - Life Super II
|
|
Blue Chip Wealth Builder Fund
|
|
Income Wealth Builder Fund
|
|
Opportunities Wealth Builder Fund
|
|
Policy Discontinued Fund
|
|
Short Term Fund - Life Super II
|
|
|
|
|
|
|
|
|
04-Aug-09
11:26
|
Life insurers asks IRDA to exclude mortality charges from the overall cap on ULIP
|
|
03-Jun-09
12:01
|
HDFC Standard Life launches ULIP 'wealth multiplier'
|
|
21-May-09
12:35
|
LIC & HDFC Std Life top in fin sector TV advertisers
|
|
08-May-09
10:42
|
Capital infusion of Rs 350 cr in FY10 : HDFC Standard Life
|
|
07-May-09
13:11
|
Focusing more on business than expansion : HDFC Standard Life
|
|
06-May-09
08:41
|
Total Premium Income Grows by 15% : HDFC Standard Life
|
|
05-May-09
10:42
|
HDFC Standard Life is expected to be listed by March 2011
|
|
13-Mar-09
12:00
|
Certified Programme in Insurance by HDFC Standard Life
|
|
03-Mar-09
12:40
|
HDFC Standard Life offers health savings plan
|
|
28-Feb-09
12:40
|
HDFC Standard Life launches SurgiCare - a Health Product
|
|
18-Dec-08
10:43
|
HDFC life launches ULIP policy 'HDFC Unit Linked Endowment Winner'
|
|
08-Dec-08
19:13
|
HDFC Life unveils Life Insurance Campaign
|
|
28-Oct-08
11:46
|
HDFC Standard takes musical route to brand
|
|
|
|
|
View another Plan
|
|
|
|
|
Insurance Company
|
|
|
|
|
Solution for
|
|
|
|
|
Type
|
|
|
|
|
Category
|
|
|
|
|
Plan
|
|
|
|
|
|
|