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HDFC Life Sampoorn Nivesh Plus is a unit-linked, non-participating individual life insurance savings plan that combines life insurance protection with investment in market-linked funds. Policyholders can select from multiple fund options and choose a benefit structure based on their protection requirements. The plan offers single, limited and regular premium payment options, along with facilities such as fund switching, premium redirection and partial withdrawals subject to policy conditions. The current product page lists 17 fund options and five benefit options. Eligible policies may receive loyalty additions from the specified policy years, and higher premiums may qualify for reduced premium allocation charges under the applicable terms. The maturity benefit is linked to the fund value, so the amount received depends on investment performance and applicable charges.
Choose from multiple investment funds and benefit options, with loyalty additions subject to policy terms.
Sampoorn Nivesh Plus is designed for customers who want life insurance protection alongside long-term market-linked investment. Its multiple benefit options can accommodate different priorities, including additional accidental-death protection or waiver-of-premium features under eligible options. Fund selection and premium payment flexibility may help policyholders align the investment approach with their goals and risk tolerance. However, this is not a guaranteed-return savings plan: fund values can rise or fall, and investment risk is borne by the policyholder. Charges, premium commitment, policy duration and the five-year restriction on withdrawals or surrender should be reviewed carefully. Loyalty additions and reduced allocation charges are subject to specified eligibility conditions and should not be assumed for every policy. Compare the personalised benefit illustration, fund choices and policy wording before purchasing, and keep adequate emergency savings outside the ULIP.
HDFC Life
Key Insights
Founded
2000
HDFC Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.72% CSR, calculated as a 3-year average
HDFC Life settles 99.72% of all claims it receives, demonstrating strong credibility.
Contact Details
1860-267-9999
Headquarters: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra, 400011
The current HDFC Life product page lists 17 fund options across different investment approaches and asset exposures.
Fund availability may change. Review the current fund list and investment objectives.
The plan provides single-pay, limited-pay and regular-pay structures for eligible policy configurations.
Minimum premium and payment-term requirements vary by option.
The plan lists Classic Benefit Life Option, Classic Benefit Extra Life Option, Classic Plus Benefit, Classic Waiver Benefit and Classic Waiver Plus Benefit.
Compare the death benefit and waiver provisions of each option before selecting one.
On survival to maturity, the policyholder receives the fund value according to the chosen option and applicable terms.
The maturity amount is not guaranteed and depends on investment performance and charges.
The death benefit depends on the selected benefit option and policy conditions. Several options use a comparison involving sum assured, fund value and 105% of total premiums paid.
Refer to the current policy wording for the exact calculation and withdrawal adjustments.
The rider is designed to provide an income benefit following qualifying accidental total permanent disability, according to its rider terms.
UIN 101A038V01 appears in the product brochure. Confirm current availability and compatibility before purchase.
This rider offers specified benefits for covered accidental death, disability or cancer events, depending on the selected rider option.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC Life plans and claim process
It is a unit-linked, non-participating individual life insurance savings plan that combines life cover with market-linked investment in selected funds.
The HDFC Life policy documents and brochure list UIN 101L180V01. Verify the UIN on the latest policy document applicable to your purchase.
No. It is a ULIP, and the fund value depends on market performance and applicable charges. Investment returns are not guaranteed.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC Life website before purchasing.
Official Website
hdfclife.com
Visit the official HDFC Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
UIN 101A037V01 appears in the product brochure. Separate rider conditions and exclusions apply.
The rider brochure describes benefits for specified critical illnesses and certain cancer stages, depending on the selected option.
UIN 101A034V01 appears in the product brochure. Confirm current availability, coverage definitions and rider terms.
The linked waiver-of-premium rider is designed to waive eligible future premiums following a covered event under its contract.
UIN 101A035V01 appears in the product brochure. Check whether this rider is available with the chosen policy option.
The current HDFC Life product page lists 17 fund options. Check the latest fund list for the available choices and their investment objectives.
The listed options are Classic Benefit Life Option, Classic Benefit Extra Life Option, Classic Plus Benefit, Classic Waiver Benefit and Classic Waiver Plus Benefit.
On survival to maturity, the policyholder receives the applicable fund value under the selected policy option. The amount can vary with market performance and charges.
The death benefit depends on the selected option and policy terms. Some options compare the sum assured, fund value and 105% of total premiums paid. Consult the policy wording for the precise calculation.
Eligible policies may receive loyalty additions of up to 1.8% under the product terms. The amount, timing and eligibility depend on the premium payment structure and policy conditions.
Yes. Fund switching is available under the policy rules. Check the number of free switches and any applicable charges in the current product documents.
Partial withdrawals may be allowed after the applicable five-year restriction period, subject to policy terms. Withdrawals during the first five years are restricted.
Stopping premiums may affect policy status and benefits. The consequences depend on the premium payment structure and policy terms. Review the discontinuance provisions before making a decision.
The product brochure lists linked riders including Income Benefit on Accidental Disability, Protect Plus, Health Plus and Waiver of Premium. Confirm current availability and compatibility with your selected option.
The policyholder bears the investment risk in the selected funds. Fund values may rise or fall depending on market movements.
Tax treatment depends on prevailing tax law, policy conditions and individual eligibility. Check the current rules with a qualified tax adviser.
It may be considered by people seeking long-term market-linked investment alongside life cover who understand investment risk and can maintain the policy commitment. Compare charges, liquidity restrictions and other investment options before purchasing.