Discover how to secure a guaranteed, tax-free corpus ranging from 25 lakh to 50 lakh in 25 years. This plan also features comprehensive life insurance, disability coverage, and medical benefits. Learn the details here.

 

Option -1  Get more than Rs. 25 lakh tax-free and guaranteed corpus along with life cover, accidental death and disability cover.
Policy details:
Name of the plan	HDFC Life Sanchay Plus
Policy option	Guaranteed Maturity
Age of the policyholder	33 years
Policy Term	25 years
Premium Paying Term	15 years
Amount of annual Installment premium	Rs. 50,000 per year
Annual premium for LiveWell rider (PAC - Double Benefit) Note: It is an optional rider; however, it is added here to enhance the protection.	Rs. 1237 per year
Total premium including rider premium	Rs. 50,000 + Rs. 1237 = Rs. 51,237 per year. Note: No GST (Goods and Services Tax) is applicable.
Rider Sum assured for LiveWell rider (PAC - Double Benefit)	Rs. 6,10,000
Guaranteed and tax-free maturity amount after 25 years: Rs. 25.42080 Lakh
Guaranteed and tax-free accelerated death benefits:
From beginning (1st policy year) to 9th policy year	Rs. 7.5 Lakh
10th policy year to the last (25th) policy year	Rs. 8.62005 Lakh to Rs. 25.79580 Lakh
The benefits of HDFC Life LiveWell Rider (PAC - Double Benefit): The HDFC Life LiveWell Rider (PAC - Double Benefit) offers accidental death and disability protection for a sum assured of ₹6,10,000. Key features include:  Double Benefit: The death benefit doubles to ₹12,20,000 if the accident occurs in authorized public transport or due to a fire in a public building. Disability Coverage: Total permanent disability provides a monthly income of ₹6,100 (1% of Sum Assured) for 10 years, totaling ₹7,32,000. Partial permanent disability pays a lump sum percentage of the Sum Assured. Exclusions: No claims are payable for self-inflicted injuries, intoxication, hazardous sports, or criminal acts.

Option -2  Get more than Rs. 40 lakh tax-free guaranteed corpus along with other benefits:
Policy details:
Name of the plan	HDFC Life Sanchay Plus
Policy option	Guaranteed Maturity
Age of the policyholder	33 years
Policy Term	25 years
Premium Paying Term	15 years
Amount of annual Installment premium	Rs. 80,000 per year
Annual premium for LiveWell rider (PAC - Double Benefit) Note: It is an optional rider; however, it is added here to enhance the protection.	Rs. 1879 per year
Total premium including rider premium	Rs. 80,000 + Rs. 1879 = Rs. 81,879 per year. Note: No GST (Goods and Services Tax) is applicable.
Rider Sum assured for LiveWell rider (PAC - Double Benefit)	Rs. 9.76000 Lakh
Guaranteed tax-free maturity amount after 25 years: Rs. 40.67328 Lakh
Guaranteed and tax-free accelerated Death benefits:
From beginning (1st policy year) to 9th policy year	Rs. 12.0 Lakh
From  10th policy year to last (25th) policy year	Rs. 13.79208  Lakh to Rs. 41.27328  Lakh
The benefits of HDFC Life LiveWell Rider (PAC - Double Benefit): The HDFC Life LiveWell Rider (PAC - Double Benefit) offers accidental death and disability protection for a sum assured of ₹ 9,76000.  Key features are the same as mentioned in option-1 above, except the sum assured cover is enhanced to Rs. 9,76000.   Accordingly, all benefits will be enhanced due to the enhancement of the sum assured.

Option-3  Get more than Rs. 50 lakh tax-free guaranteed corpus along with other benefits:
Policy details:
Name of the plan	HDFC Life Sanchay Plus
Policy option	Guaranteed Maturity
Age of the policyholder	33 years
Policy Term	25 years
Premium Paying Term	15 years
Amount of annual Installment premium	Rs. 1 Lakh per year
Annual premium for LiveWell rider (PAC - Double Benefit) Note: It is an optional rider; however, it is added here to enhance the protection.	Rs. 2474 per year
Total premium including rider premium	Rs. 100,000 + Rs. 2474 = Rs. 1.02474 Lakh per year. Note: No GST (Goods and Services Tax) is applicable.
Rider Sum assured for LiveWell rider (PAC - Double Benefit)	Rs. 12.20,000 Lakh
Guaranteed and tax-free maturity amount after 25 years: Rs. 50.84160 Lakh
Guaranteed and tax-free accelerated death benefits:
From beginning (1st policy year) to 9th policy year	Rs. 15.0 Lakh
From 10th policy year to the last (25th) policy year	Rs. 7.24010  Lakh to Rs. 51.59160 Lakh
The benefits of HDFC Life LiveWell Rider (PAC - Double Benefit): The HDFC Life LiveWell Rider (PAC - Double Benefit) offers accidental death and disability protection for a sum assured of ₹ 12.20000 Lakh.  Key features are the same as mentioned in option-1 above, except the sum assured cover is enhanced to Rs. 12.20000 Lakh.    Accordingly, all benefits will be enhanced due to the enhancement of the sum assured.

Legal Disclaimer & Important Information: The information presented here is a summary generated through AI-assisted technology and public open-source data. This compilation serves educational and illustrative purposes, helping users navigate the complexities of insurance products. While this blog highlights plan benefits, insurance remains a legal contract. Therefore, this summary may not reflect every detail of the policy. To fully grasp all terms, conditions, specific clauses, and exclusions, please refer to the official website or authentic policy documentation. As per existing laws, the premium cap is 5 lakh to get the tax-free return. See the official website for details. We prioritize data accuracy and endeavor to provide the most current benefit descriptions and figures available at the time of publication. Nevertheless, the author is not liable for any discrepancies, errors, or consequences arising from the use of this material. Because insurance terms and premiums depend on individual health profiles and company updates, they are subject to underwriting. For official and precise terms, always consult the company website or your personal policy records.

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