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HDFC Life Insurance for Non Resident Indians (NRIs)

Life insurance solutions for NRI’s by HDFC that provide comprehensive insurance solutions for the policyholders’ and their families with varying levels of protection and tax benefits.

The life insurance policies available for NRI’s in HDFC Life offer the non-resident Indians a holistic insurance solution allows the policyholder to secure their family’s future in the unfortunate event of their demise. It also offers a range of other benefits which help them secure an income post retirement and enjoy tax benefits on the earnings generated through these policies.

The various HDFC Life Insurance Plans available for NRI’s are as follows:

  1. HDFC Life Pension Super Plus: This policy is designed to ensure life after retirement is not a nonstop rush to meet the increasing cost of living. The plan allows policyholders to build a post retirement corpus that helps in securing income after retirement. It has a policy term of 10, 15 or 20 years with a minimum entry age of 35 years and a maximum entry age of 65 years. Policyholders can pay the premiums either monthly, quarterly, half yearly or annually. The minimum premium to be paid is RS 2000 a month and the policy allows for top up premiums to be paid throughout the term of the policy. Premiums paid inclusive of top up premiums are invested in a pension fund and upon maturity or vesting, the policyholder receives the higher of the value of the fund or 101% of all premiums paid. The death benefit has a minimum value of 105% of all premiums paid and can be paid to the nominee either as a lump sum or in the form of annuity.
  2. HDFC SL ProGrowth Super II: This insurance cum savings policy provides the policyholders and their families with a valuable financial protection by providing a policy that not only offers life cover but the opportunity to invest in funds ranging from income fund, balanced fund, blue chip fund and opportunities fund. This mix of funds have their own profit and risk rating ranging from low to moderate to high. This comprehensive policy has a list of 8 plan options. Each of these options provide a particular benefit. While one may provide death benefit, others may provide death benefit with accidental death benefit or with a death benefit with critical illness benefits as well. These additional benefits and plan options allow policyholders to choose the plan that suits them the best. This policy allows for only one mode of premium payment which is annually and the minimum premium to be paid is RS 15,000. Upon maturity, the policyholder will receive the fund value and can take this either as a lump sum or through periodic instalments for a period of 5 years. Upon death of the policyholder, the beneficiary receives sum of sum assured and unit value of the fund. The minimum death benefit that is paid out is 105% of all premiums paid
  3. HDFC Life ClassicAssure Plus: Life as we know it is highly unpredictable but one thing that can be guaranteed is the benefit from this insurance cum investment plan that guarantees the policyholder the basic sum assured along with accrued bonuses. In the case of the policyholder’s demise, the beneficiary is paid the higher of the sum assured or 10 times the annualised premium or 105% of all premiums paid to date. The minimum premium to be paid is RS 1000 and the policy allows premium payments to be made through monthly, quarterly half yearly or yearly payments and offers policy terms of 10, 15 and 20 years. For those policies taken with a high assured sum of amounts exceeding RS 10 Lakh, the policyholder will receive a 5% discount on the basic premium to be paid. This policy also allows holders to avail up to 80% of the guaranteed surrender value of the policy as a loan.
  4. HDFC SL YoungStar Super Premium: policyholder can now revel in the joy of fulfilling the promise of a better future for their child with the HDFC SL YoungStar Super Premium policy. The policy allows holders to meet the immediate and future needs of their children and protects them in case of the unfortunate demise of the policyholder by providing regular yearly payments to the policyholder’s family. The mode of paying premiums in this policy is only annually and the minimum premium that has to be paid is RS 15,000 p.a. The plans have 2 options which are death benefit and Death benefit plus Critical illness benefit and the benefit payment preference also has 2 options. The first option is that upon death the nominee is paid the sum assured and the family need not pay any more premiums. HDFC will pay all regular premiums and pay out the fund value to the beneficiary upon maturity. In the second benefit payment option, the sum assured along with 50% of all regular premiums to be paid are paid to the beneficiary. The balance 50% is sued to pay all future premiums and the fund value is paid to the beneficiary upon maturity.
  5. HDFC Life Personal Pension Plus: This life insurance policy accounts for life after retirement. Retirement may signify the end of regular income but not the end of costs and expenses. The policy offers great flexibility and has a tenure option ranging from 10 years to 40 years. The minimum age of entry is 18 years of age and the maximum age of entry is 65 years. The benefit upon vesting or in the unfortunate event of policyholder’s death is 101% of the regular premiums paid. The policy offers a mode of premium payments with option of paying premiums annually, half yearly, every 3 months or on a monthly basis. The minimum premium to be paid is RS 2000 a month. This assures a sum of RS 2,04,841 upon maturity. The policy accounts for life’s various needs and allows policyholders to surrender their policy prematurely. The guaranteed surrender value is provided after the policyholder has paid the premiums for the first three years regularly.

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

Life Insurance Reviews

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  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my life insurance with HDFC LIFE INSURANCE recently in december , they have charge me nominal premium for a yearly basis, and it use to get through on line , and there agent was good they help me to get good policy and they use to update me if any update is there in this policy time to time.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 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, i use to pay my premium on yearly basis , they have charged me up to 5000 rupees ,i use to pay through on line , they are not taken any extra charges,the agent had explain me clearly about there policy coverage.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • HDFC Life Life Insurance
    "Insurance for life"
    0.5 5.0/5 "Blown Away!"
    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
    , pune
    Reviewed on Jan 16, 2019
  • 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
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