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DHFL Pramerica Roz Sanchay plan

Every earning member strives to fulfil the financial requirements of his or her family and also gives prime importance to saving money. But, sometimes, just your savings won’t suffice to face life’s uncertainties and other financial emergencies. In case of an eventuality, a member’s dependants will also face financial difficulties.


Specially designed to help you meet all uncertainties with confidence, DHFL Pramerica Roz Sanchay is a savings cum protection plan that guarantees annual addition that increases every year during the term of policy. Also, the policyholder will be informed of the maturity amount even before the commencement of policy and hence, he will be able to plan better. Also, the increasing death benefit in addition to accrued annual guaranteed addition will make sure that the policyholder’s family is covered financially always.

Eligibility Conditions for DHFL Pramerica Roz Sanchay

The table below summarizes the eligibility criteria for DHFL Pramerica Roz Sanchay.

Minimum age at entry 8 years
Maximum Age at entry

For 16 years policy term - 50 years

For 21 years policy term - 45 years

Maturity Age 66 years
Policy Tenure 16 years, 21 years
Premium Payment Tenure

For 16 years policy term - 12 years

For 21 years policy term - 16 years

Modes of Premium Payment Yearly, half yearly and monthly
Maximum Premium Depends on the basic assured sum chosen, entry age and tenure for premium payment
Minimum Basic Assured Sum

For 16 years policy term - Rs. 1 lakh

For 21 years policy term - Rs. 1.2 lakhs

Maximum Basic Assured Sum Rs. 5 crore

Key Features of DHFL Pramerica Roz Sanchay

The key features of DHFL Pramerica Roz Sanchay are described below.

Plan Type
  • Non Participating Guaranteed Endowment Insurance Plan
  • An exclusive savings cum protection plan with increasing death benefit along with accrued annual guaranteed addition
Plan Basis Individual
Policy Term / Rider Term 16 years to 21 years
Maturity Benefits Guaranteed Maturity Benefit of 150 per cent of basic sum assured along with Accrued AGAs
Premium Payment Frequency Half yearly, monthly and annual
Loan Availability Loans will be available once the policy acquired surrender value and can be used for loans up to 80% of the surrender value.
Nominee Allowed. Nomination will be as per section 39 of Insurance Act, 1938 as amended from time to time.
Grace Period A grace period of 30 days is available for this plan..
Surrender Benefit Surrender value will be equal to special surrender value (SSV) or guaranteed surrender value (GSV), whichever is higher.
Free Look Period Normal cases - 15 days If the policy is sold through distance marketing - 30 days
Assignment Assignment of this policy is effected as per section 38 of Insurance Act, 1938 as amended from time to time.
Benefits Death benefit and maturity benefit

Benefits of DHFL Pramerica Roz Sanchay

The benefits that come with DHFL Pramerica Roz Sanchay are described below.

  • In case of the unfortunate event of policyholder’s death during the policy term, the nominee will get accrued AGAs plus the base death benefit.
  • On maturity of the policy, the policyholder will get the following - Accrued AGAs plus 150 per cent of the base sum assured.
  • DHFL Pramerica Roz Sanchay provides a comprehensive cover with increasing protection. The base death benefit is 150 per cent of the sum assured for the first year of policy and keeps increasing by 5 per cent of the base sum assured for every policy year that is completed until the end of policy term.
  • Policyholders are offered an option to avail loan against the policy.
  • DHFL Pramerica Roz Sanchay insurance policy holders can also pay the premium for a limited term only.
  • DHFL Pramerica Roz Sanchay insurance policy holders get tax benefits on benefits received and premiums paid as per current tax laws.
  • Guaranteed Maturity Benefit - At the outset of this DHFL Pramerica Life policy, a maturity benefit of 150% of the base sum assured plus the accrued AGAs is guaranteed. Because the return is known even before the commencement of policy, the insured will be able to take the right decisions and make suitable financial plans for future.

Benefit Illustration for DHFL Pramerica Roz Sanchay

Given below is a sample annual premium table for a male with a sum assured (basic) of Rs. 1. 2 lakhs.

Policy Term 35 Years 45 Years
16 years Rs. 15, 360 Rs. 16, 360
21 years Rs. 11, 774 Rs. 12, 997

Refer the table given below to find the accrual benefits for a policyholder over the course of the policy tenure.

Entry Age Standard Male - 35 years
Premium payment Term 12 years
Base sum assured Rs. 1. 2 lakhs
Policy Term 16 years
Annual premium Rs. 15, 360
Premium Payment Mode Annual
Accrued AGAs as of policy maturity Rs. 90, 480
Guaranteed Maturity Benefit Rs. 1. 2 lakhs * 150 % + Rs. 90. 480 which will come to Rs. 2, 70, 480

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GST of 18% is applicable on life insurance effective from the 1st of July, 2017

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