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HDFC Life Sampoorn Samridhi Plus

 4.0 / 5.0   by 1181 users
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Plan Benefits

Payment Options

Policy Coverage

Customer Service

Responsiveness

Overview

Your family needs you more than you know, and you may do your best to make sure all their needs are taken care of. When your family is dependant on you, for your child’s education, or building an extra floor in your home. But with life’s unpredictability brings surprises that affect your plans in many ways. Being prepared for all of life’s unpredictability with utmost confidence can be done with the help of HDFC Life Sampoorn Samridhi Plus.

The Eligibility Conditions to be Met When Taking up the Sampoorn Samridhi Plus Plan:

Particular

Minimum

Maximum

Age

30 days

60 years

Maturity age

18 years

75 years

Premium

Monthly: Rs. 1,000

Quarterly: Rs. 3, 000

Half-yearly: Rs. 6, 000

Yearly: Rs.12, 000

No Limit

subject to underwriting

Policy term

15 years

40 years

The Key Features of the HDFC Life Sampoorn Samridhi Plus

  • The premium payment term, will be equal to the policy term less 5 years.
  • The guaranteed addition will be provided as per the below:
    • 3% per annum for policy terms equal to 15 - 19 years
    • 4% per annum for policy terms equal to 20 - 24 years
    • 5% per annum for policy terms equal to 25 years or more
  • The high sum assured rebate also will be
    • Rs. 4.5/1000 for sum assured on maturity between Rs. 1, 50, 000 - Rs. 3, 00, 000
    • Rs. 6/1000 for sum assured on maturity between Rs. 3, 00, 000 - Rs. 5, 00, 000
    • Rs. 7.5/1000 for sum assured on maturity between Rs. 5, 00, 000 and more
  • You can also get an additional sum assured in the event of death due to accident during the policy term
  • You have a choice to choose your policy term from 15 - 40 years
  • This is a limited premium endowment plan, with an choice to add an extra life coverage of up to 100 years under whole life coverage
  • Flexibility to choose the premium payment frequency, from monthly, quarterly, half-yearly, annually.
  • Additional bonuses will add value to your policy.
  • There are 2 plans to choose from - Endowment plan and Endowment with whole life plan.
  • The sum assured:

Sum assured

Rs. 65, 453

No limit, subject to underwriting

  • Free look period of 15 days from the date of receipt of the policy, will be available for the policyholder on returning of the policy if she/he is not agreeable with the terms and conditions. A period of 30 days will be provided if the policy is purchased through distance marketing.
  • Grace period is provided after the premium due date and the policy is still in-force with the risk cover. With the Sampoorn Samridhi Plus, you have a grace period of 30 days for quarterly, half-yearly, and yearly modes from the date your premium is due. If the mode of premium payment is monthly then the grace period is 15 days from the due date.
  • Revival of your policy can be revived within 2 years after payments of all outstanding premiums and taxes.

The Benefits and Advantages You Get With The Sampoorn Samridhi Plus Plan;

  • With this plan you are entitled to get tax benefits as per the Income Tax Act 1961 under sections 80C and section 10 (10D).
  • Maturity benefit at the end of the policy term, and after all premiums have been duly paid you will receive an maturity benefit of:
    • the sum assured on the maturity of the policy
    • any accrued guaranteed additions
    • any accrued reversionary bonuses
    • interim bonuses (if any)
    • terminal bonuses (if any)
    • if you choose the Endowment plan, the policy will automatically terminate at the time of maturity and after the payments have been made.
    • if you have chosen Endowment with whole life plan the sum assured on maturity will be paid at the time the policy has matured. And the whole life benefit will be paid at the time of death of the life assured after the policy maturity or surviving 100 years whichever is earlier.
  • Reversionary bonus will be declared at the end of every financial year, and get added to the sum assured on maturity and is payable at the time of maturity or death.
  • Terminal bonus is not a guaranteed benefit, it may be added to a policy to pay a fair share at the end of the policy term this is based on the actual experience with the policy term.
  • The death benefit will be payable on the demise of the life assured to the nominee. The higher of the following will be paid
    • sum assured on death + accrued guaranteed additions + accrued reversionary bonuses + interim bonuses (if any) + terminal bonuses (if any)
    • 105% of premiums paid till date
    • 10 times the annual premium for entry age of 50 years and 7 time the annual premium for entry age of above 50 years
  • Accidental death benefit, in case the life assured has died due to an accident during the policy term then an additional sum will be added to the sum assured and will be payable.
  • High sum assured rebates

Rebate on premium rate (per 1000 of sum assured)

Sum assured on Maturity

4.5

Rs. 1, 50, 000 - Rs. 3, 00, 000

6

Rs. 3, 00, 000 - Rs. 5, 00, 000

7.5

Rs. 5, 00, 000 and above

  • A loan can be availed for under this policy, provided the policy has attained a surrender value and is at the discretion of the company

The Premium Table:

Minimum premium

Maximum premium

Premium payment

Rs. 12, 000

No Limit

Yearly

Rs. 6, 000

No Limit

Half-yearly

Rs. 3, 000

No Limit

Quarterly

Rs. 1, 000

No Limit

Monthly

 

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

HDFC Life Sampoorn Samridhi Plus Plan Reviews

Page 1 of 50 1 2 3 4 5
  • HDFC Life Life Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost five years back and i had been paying the premium on an annual basis. The premium amount was not too high and the payment method has been easy as well. There has not been any issues faced with the services of them so far.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 13, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have applied my life insurance with HDFC LIFE , there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal,like i pay premium up to 6000 rupees for two years, it was on yearly basis , and it use to get auto debited from my account.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jan 08, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my life insurance with HDFC LIFE, there service is good, the agent had explain me about the policy coverage,and about plan benefits clearly, and the premium amount they have charged me on yearly basis, and they have charged me up to 14,000 it is nominal , and i use to pay the premium amount through on line.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my life insurance policy with HDFC life,there service is good, there premium they have charged me was nominal, i pay premium on monthly basis, and there agent had properly explain about the plan benefits and policy ,overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 07, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with HDFC life, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 07, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with HDFC life insurance, there service is good, there agent had explained me clearly about the policy coverage and benefits,and the premium amount i use to pay in yearly basis, and the premium amount is nominal,and overall service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 06, 2019
  • HDFC Life Life Insurance
    "Don't go with HDFC LIFE for Insurance"
    0.5 2.0/5 "Expected more"
    I have invested Rs. 80000 in HDFC LIFE. They have deducted the money from my account but they have not able to generate a bill. Due to the uncertanity, i have not continued with this policy. They charged me twice for single premium. I closed the policy but they have taken long time to return the money anyway it took a long process. I spoke with the call centre regarding this issue but they were not helpful.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 02, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 4.5/5 "Excellent!"
    I have been using the HDFC Life Insurance policy for long time. they charge nominal premium for this policy it also offers accidental benefits and I make payment through online. so in terms of features and their service it has been a good experience with them. HDFC Life is a recommendable insurance provider.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 02, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with Life insurance corporation of India, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 24, 2018
  • HDFC Life Life Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have chosen the investment plan in HDFC. In 2016, i have taken this policy. I pay the premium of Rs. 40000 per annum. Through online, i make the payment. Total tenure period of the policy is 10 years. This is a tax benefitable policy. I don't remember about the sum assured amount.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 22, 2018
  • HDFC Life Life Insurance
    "Good Benefits after tenure"
    0.5 4.0/5 "Great!"
    I am an existing customer I used to pay the premium around Rs. 25,000 per annum for the total tenure of 10 years. Then I get the benefits with the sum assured value and bonus of the premium and they do have life coverage and I am getting the tax benefits too.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2018
  • HDFC Life Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I hold a life insurance policy with HDFC LIFE from last 7 years and it is a long term policy. I make my premium payments on yearly basis through net banking and i am convenient with the payment options. The returns and benefits are good with this policy and tenure period is 10 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • HDFC Life Life Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I am not satisfied with the service of the HDFC LIFE where i have purchased the life insurance policy with this HDFC LIFE. I have started using it from past few years where the policy is very good. They give the fake promises for this policy....
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 15, 2018
  • HDFC Life Life Insurance
    "Fine policy for emergency purpose"
    0.5 5.0/5 "Blown Away!"
    Along with my personal loan they have provided me a life insurance policy from HDFC LIFE. I have to pay the premium amount of Rs. 6000 in a year. I used to pay the premium through online. Total tenure period of the policy is 4 years. I'm getting a sum assured amount of Rs. 3 lakhs.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 13, 2018
  • HDFC Life Life Insurance
    "Every salary holder must taken this policy"
    0.5 4.0/5 "Great!"
    I have purchased the HDFC accidental policy nearly 4 years before. I have been paying the premium amount of Rs. 80000. I used to make the premium through my credit card and i covert into EMI basis. This is annual payment mode policy. This policy has coverage value of Rs. 15 lakhs and all my member covered in this policy
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 13, 2018
  • HDFC Life Life Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I have purchased a ULIP policy from HDFC Life. 4 months before i have taken this policy. I have been paying the premium amount of Rs. 2000 every month. The sum assured amount is 5 lakhs. This is a tax benefitable policy. Through Internet i have purchased this policy. I make the payment in online by using the debit card.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 11, 2018
  • HDFC Life Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a life insurance policy with HDFC LIFE from last 9 years and it is a long term policy. I make my premium payment through online and on yearly basis. I am convenient with the payment options and tenure period for this policy is 15 years. I am happy with the returns and benefits on this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 11, 2018
  • HDFC Life Life Insurance
    "Good policy to take"
    0.5 5.0/5 "Blown Away!"
    Total tenure period of the policy is 10 years. I have to pay the premium amount for 7 years and 3 years will be lockin period. They have done a very good follow up on documentation and explained the policy details very well. They will call on the premium time. The amount will be auto debited from account. In a year, i have to pay the premium amount of Rs. 50000. 1 year back, i took this policy.
    Was this review helpful? 1
    , amravati
    Reviewed on Dec 11, 2018
  • HDFC Life Life Insurance
    "Good insurance policy"
    0.5 5.0/5 "Blown Away!"
    My life insurance policy was taken with HDFC Life. Total tenure period of the policy is 8 years. I pay the premium amount of Rs. 40000 and i have selected the annual payment mode. I make the premium through cheque mode. Overall, I'm satisfied with this policy.
    Was this review helpful? 0
    , vellore
    Reviewed on Dec 04, 2018
  • HDFC Life Life Insurance
    "Recommendable policy"
    0.5 5.0/5 "Blown Away!"
    I have bought the HDFC LIFE insurance policy 3 years before. I'm making the payment amount of Rs. 28000 every year. I have no idea about the sum assured amount and policy benefits. This is a tenure period 10 years. I make the premium amount through cheque.
    Was this review helpful? 0
    , vellore
    Reviewed on Dec 04, 2018
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