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(A Non-Linked Participating Life Insurance Plan)

UIN: 101N098V05

HDFC Life Super Income Plan is a participating regular money back policy plan in India with guaranteed benefits plus bonuses* to best plan your investment needs. This money back policy offers guaranteed income for a period of 8 to 15 years and is ideal for individuals who need regular income at their disposal so that they don’t have to worry about future expenses and fulfill their financial goals uninterrupted.

*For more details, please refer to product brochure.

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key attractions

Regular Income

Enjoy regular income for period of 8 to 15 years after premium payment term under limited pay option

Survival Benefits

Survival Benefits varying from 3.84% to 12.5% of Sum Assured on Maturity payable each year during payout period

Short Medical Questionnaire

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting1


  • Entry Age*:

    • Min:

      • 18 years minus Policy Term (for policy term less than 18 years)

      • 30 days (for policy term greater than or equal to18 years)

    • Max:

      • 59 (for policy term 15 & 16 years)

      • 57 (for policy term 18 years)

      • 55 (for policy term 20 years)

      • 53 (for policy term 22 years)

      • 51 (for policy term 24 years)

      • 48 (for policy term 27 years)

      • 34 (for policy term 15 to 27 years under Option 9)

  • Maturity Age:

    • Min: 18 years

    • Max.: 75 years

*For all ages, risk commences from the date of inception of the contract.


Survival Benefit: It will be expressed as percentage of the Sum Assured on Maturity. This guaranteed amount is known to you at the inception and payable at the end of each year during the payout period as per your chosen plan option, provided the policy is in force.

For details on Survival Benefi­t as % of Sum Assured on Maturity, please refer to the product brochure.

Maturity Benefit:

For a policy where all due premiums have been paid, the maturity benefi­t will be the aggregate of:

  1. Last Survival Bene­fit payout,

  2. Accrued Reversionary Bonuses if declared,

  3. Interim Bonus, if declared

  4. Terminal bonus, if declared

On payment of the Maturity Bene­fit, the policy will terminate and no more bene­fits will be payable. In cases where Life Assured is minor, the policy will automatically vest on him or her on attaining age 18 years


  • Reversionary Bonus:

A simple Reversionary Bonus may be declared at the end of each ­financial year. Same will be expressed as percentage of the Sum Assured on Maturity. Once added to the policy, the bonus is guaranteed to be payable on maturity, provided all due premiums are paid. The Reversionary Bonus is not a guaranteed benefi­t and would depend on the actual experience with respect to the investment return, expenses, mortality, tax etc and would be declared keeping in mind a long term view of expected future experience. In case of death or surrender during the inter-valuation period the policy will be eligible to receive the interim bonus based on the bonus rates declared by the company.

  • Terminal Bonus:

A Terminal Bonus may be added to a policy and enables the company to pay a fair share of the surplus provided all due premiums are paid, based on the actual experience over the policy term and allowing for the reversionary bonuses, if declared, already attached. As the Terminal bonus, if declared depends on the actual future experience it is not a guaranteed bene­fit

Death Benefi­t: On death of the life assured during the term of the policy, provided all due premiums are paid; we would pay to the nominee the higher of the following:

  • Sum Assured on Death + Accrued Reversionary Bonuses if declared + Interim Bonus (if declared) + Terminal Bonus (if declared )

  • 105% of total premiums paid^ till date Where, the Sum Assured on Death shall be the higher of:

    • Sum Assured on Maturity

    • 10 times Annualized Premium# /Single Premium for entry age up to 50 years and 7 times Annualized Premium# for entry age greater than 50 years

On death of the life assured during the payout period, the Death Benefi­t payable shall not be reduced by the survival benefi­ts already paid.

# Annualized premium shall be the premium amount payable in a year excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

^ Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes. On payment of the Death Bene­fit during the policy term, the policy will terminate and no future payouts will be payable.

  • HDFC Life Income Benefit on Accidental Disability Rider (UIN - 101B013V03): A benefit equal to 1% of Rider Sum Assured per month for the next 10 years, in case of an Accidental Total Permanent Disability. There is no maturity benefit available under this rider.

  • HDFC Life Critical Illness Plus Rider (UIN - 101B014V02): A lump sum benefit equal to the Rider Sum Assured shall be payable in case you are diagnosed with any of the 19 Critical Illnesses and survive for a period of 30 days following the diagnosis. There is no maturity benefit available under this rider.

Please refer to the respective Rider Brochures on for more details on Riders.

Payment Options

Plan Options: This plan offers range of options which you can select at inception based on your financial goals.

Limited Pay Option-


Premium Payment Term (Years)

Payout Period (years)

Policy Term (years)

Option 1




Option 2




Option 3




Option 4




Option 5




Option 6




Option 7




Option 8




Single Pay Option-


Premium Payment Term

Payout Period

Policy Term

Option 9

Single Pay

From 2nd year to the end of the Policy Term

15 to 27 years

Premiums: You can choose your premium as per your needs. You can choose to pay your premiums either annually, half yearly, quarterly or monthly. The Premium limits are as specifi­ed below:


Minimum Installment Premium*

Maximum Installment Premium


Rs 24,000

No Limit**


Rs 24,000


Rs 12,000


Rs 6,000


Rs 2,000

*The minimum premium amounts are exclusive of taxes and levies as applicable.

**The acceptance of any case is subject to satisfactory underwriting.

How Does It Work?

HDFC Life Super Income Plan – Plan working for Limited Premium Policies

HDFC Life Super Income Plan – Plan working for Single Premium Policies


1Please speak to our Financial Consultant to know more details

HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited) (“HDFC Life”). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101.

Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400 011.

Email:, Tel. No: 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply. Do NOT prefix any country code. e.g. +91 or 00. Website:

The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an agreement entered into with HDFC Limited.

HDFC Life Super Income Plan (UIN No: 101N098V05, Form No: P501-121-01) is a Non-Linked Participating Life Insurance Plan. For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale.

Yes Bank is the Corporate Agent (IRDAI Reg. No. CA0125) of HDFC Life. Life Insurance policies are underwritten by HDFC Life. Purchase of life insurance policy is voluntary. ARN: BA/01/21/21880


IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.

Public receiving such phone calls are requested to lodge a police complaint.

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Documents Required

  • HDFC Life Super Income Plan - Leaflet
  • HDFC Life Supper Income Plan - Brochure
  • Commission Disclosure
  • HDFC Life Super Income Plan - Standard Disclaimer