HDFC Life Insurance Plans

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1. Protection Plans

Why do I need Protection Plans?

Protection Plans help you shield your family from uncertainties in life due to financial losses in terms ofloss of income that may dawn upon them incase of your untimely demise or critical illness. Securing thefuture of one's family is one of the most important goals of life. Protection Plans go a long way inensuring your family's financial independence in the event of your unfortunate demise or critical illness.They are all the more important if you are the chief wage earner in your family. No matter how much youhave saved or invested over the years, sudden eventualities, such as death or critical illness, always tendto affect your family financially apart from the huge emotional loss.For instance, consider the example of Amit who is a healthy 25 year old guy with an income of Rs.1,00,000/- per annum. Let's assume his income increases at a rate of 10% per annum, while the inflationrate is around 4%; this is how his income chart will look like, until he retires at the age of 60 years. At 50years of age, Amit's real income would have been around Rs. 10,00,000/- per annum. However, in caseof Amit's unfortunate demise at an early age of 42 years, the loss of income to his family would be nearlyRs. 5,00,000/- per annum.

However, with a Protection Plan, a mere sum of Rs. 2,280/- annually (exclusive of service tax &educational cess) can help Amit provide a financial cushion of up to Rs. 10,00,000/- for his family over aperiod of 25 years.

Types of Protection Plans

Our range ofProtection Plans includesHDFC Term Assurance Plan

HDFC Click 2 Protect

HDFC Premium Guarantee Plan

HDFC Loan Cover Term Assurance Plan

HDFC Home Loan Protection Plan*
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a. HDFC Life Click 2 Protect

Looking for an easier way to insure yourself and secure your loved ones happiness? You know that thesolution is a term insurance plan and you seek a plan that is convenient to buy and is affordable. Yoursearch ends here. HDFC Life is happy to present the perfect plan for your protection needs HDFC Life

Click 2 Protect! HDFC Life Click 2 Protect is a term insurance plan. This plan provides for a payment of alump sum in the event of your unfortunate death during the policy term.

Features

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Advantages

Buy this plan at click of button , anytime & anywhere

High cover at a very nominal cost.

Flexibility to choose the Sum Assured and policy term

Attractive premium rates for Non tobacco user and those with healthier lifestyle.

Tax benefits under sections 80Cand 10(10D) of Income Tax Act, 1961.

b. HDFC Term Assurance Plan

Term Assurance plan is designed to help secure your family's financial needs in case of uncertainties.The plan does this by providing a lump sum to the family of the life assured in case of death or criticalillness (if option is chosen) of the life assured during the term of the contract. One can choose the lumpsum that would replace the income lost to one's family in the unfortunate event of one's death. This helps

your family to maintain their financial independence, even when you are not around.Features


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Advantages


Flexibility to choose the Sum Assured.

Additional benefit options can be availed at marginal costs.

Premium amount remains the same over the term of the policy in case of regular premium

Option of paying single premium or regular premium.

Tax benefits under sections 80C, 80D and 10(10D) of Income Tax Act, 1961.

c. HDFC Premium Guarantee Plan

HDFC Premium Guarantee Plan is an insurance plan that comes with twin advantage of protection andreturn of premiums* on maturity. So, you can enjoy life knowing that your familys financialindependence is secure even in your absence. And your premiums are yours on your survival at maturity.

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Return of all your premiums paid on maturity*


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Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.

d. HDFC Loan Cover Term Assurance Plan

This plan aims to protect your family from your loan liabilities in case of your unfortunate demise withinthe policy term. It provides the beneficiary with a lump sum amount, which is a decreasing percentage ofthe initial Sum Assured. This means that as the outstanding loan decreases as per the loan schedule, thecover under the policy also decreases as per the policy schedule.

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Decreasing Sum Assurance as the outstanding loan decreases ensures that you do not pay for theprotection you don't need.

Additional Optional Benefit is available at a nominal cost.

Option of paying single premium or regular premium.

Tax benefits are offered under section 80C, 80 D and 10(10D) of the Income Tax Act, 1961

e. HDFC Home Loan Protection Plan

This plan aims to protect your family from your loan liabilities in case of your unfortunate demise withinthe policy term. It ensures that your family does not lose the dream house that you have purchased forthem, in case you are not around to repay the outstanding monthly installments on your housing loan.

This provides you with the comfort of knowing that in your absence, a sum of money will be availabletowards repaying your housing loan, making sure that your family will be secure in your family home.

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Advantages

A decreasing Sum Assured payable if you die during the term of the contract. This sum assured isintended to help pay-off your outstanding home loan

Policy can be availed by paying a single premium in advance

The premium amount can be included in the housing loan and repaid as part of the loan repaymentinstallments

Decreasing Sum Assured makes sure that you do not pay for protection you don't need

This product is available for sale through HDFC Ltd.

B.Childrens Plans

Why do I need Childrens Plans?

Children's Plans helps you save so that you can fulfill your child's dreams and aspirations. These plansgo a long way in securing your child's future by financing the key milestones in their lives even if you areno longer around to oversee them. As a parent, you wish to provide your child with the very best that lifeoffers, the best possible education, marriage and life style.Most of these goals have a price tag attached and unless you plan your finances carefully, you may notbe able to provide the required economic support to your child when you need it the most. For example,with the high and rising costs of education, if you are not financially prepared, your child may miss anopportunity of a lifetime.

Today, a 2-year MBA course at a premiere management institute would cost you nearly Rs. 3,00,000/- Ata assumed 6% rate of inflation per annum, 20 years later, you would need almost Rs. 9,07,680/- tofinance your child's MBA degree.

An illustration of how education expenses could rise with passing time due to inflation


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Source: HDFCStandard Life Survey 2008. Inflation assumed as 6% p.a.

So, how can you cope with these costs? Children's Plans help you save steadily over the long term sothat you can secure your child's future needs, be it higher education, marriage or anything else. A smallsum invested by you regularly can help you build a decent corpus over a period of time and go a long wayin providing your child a secured financial future alongwithTypes of Children's Plans

Our range ofChildren's Plans includesConventional Plans Unit Linked Insurance Plans

HDFC Children's Plan HDFC SL YoungStar Super II

HDFC SL YoungStar Super Premium

1. HDFC Children's Plan

As a parent, your priority is your child's future and being able to meet your child's dreams and aspirations.With our HDFC Children's Plan, you can start building your savings today and ensure a bright future foryour child. This 'With Profits' plan is designed to secure your child's future by giving your child(Beneficiary) a guaranteed lump sum on maturity or in case of your unfortunate demise, early into thepolicy term.Features


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Advantages

Lets you customize an ideal plan for your child and provide invaluable financial support

The Double Benefit Plan Option helps you secure your child's immediate and future needs. In case of

your unfortunate demise, we will pay the Sum Assured to your child (Beneficiary). Your family need notpay any further premiums and the policy continues. And on maturity of the plan, we will pay you the SumAssured plus Bonuses Declared

You can choose to pay your premium as either Annually, Half-Yearly or Quarterly depending on yourconvenience. You also have a range of convenient auto premium payment options

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

2. HDFC SL YoungStar Super II

There is no bigger joy than being able to fulfill your child's dream on your own. With HDFC SL YoungStar

Super II you can fulfill your child's immediate and future needs. So tomorrow when your child needs yoursupport you don't have to depend on anyone else.

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Advantages

In case of your unfortunate demise or critical illness, we will pay the greater of Sum Assured (less partialwithdrawals) or Fund Value to your child (Beneficiary). The policy will terminate. We will pay 100% of allthe future regular premiums to the Beneficiary as and when due, on an annual basis. Please refer to thesales brochure for details.

You can customize the ideal plan for your child by choosing the premium you wish to invest along with theSum Assured, depending on the level of protection required.

This plan can be taken by filling Short Medical Questionnaire, which may not require you to go formedicals. Kindly refer to the product brochure for details.

You can change your investment fund choices in two ways:

o Switching: You can move your accumulated funds from one fund to another anytime

o Premium Redirection: You can pay your future premiums into a different selection of funds, as peryour need


3. HDFC SL YoungStar Super Premium

With HDFC SL YoungStar Super Premium you can fulfill your child's immediate and future needs- all onyour own. Start saving now with this unit linked insurance plan and be assured that savings for your childwill continue, even in your absence. This plan offers you choice of cover options and benefit paymentpreferences- all designed to suit your needs.

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The Triple Insurance Benefit helps you secure your child's immediate and future needs. In case of yourunfortunate demise or critical illness, we will pay the Sum Assured to your child (Beneficiary). Your familyneed not pay any further premiums. With Save -n- Gain benefit ,we will pay 50% of all the original regularpremiums towards your policy and 50% of the premiums will be paid to the Beneficiary as and when due,on an annual basis. Any Death Benefit or Critical Illness cover terminates immediately.

You can customize the ideal plan for your child by choosing the premium you wish to invest along with theSum Assured, depending on the level of protection required and Benefit payment preference.
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Premium Redirection: You can pay your future premiums into a different selection of funds, as peryour need


C. Retirement Plans

Why do I need Retirement Plans?

Retirement Plans provide you with financial security so that when your professional income starts to ebb,

you can still live with pride without compromising on your living standards. By providing you a tool toaccumulate and invest your savings, these plans give you a lump sum on retirement, which is then usedto get regular income through an annuity plan. Given the high cost of living and rising inflation, employerpensions alone are not sufficient. Retirement planning has therefore become critical today.India's average life expectancy is slated to increase to over 75 years by 2050 from the present level ofclose to 65 years. Life spans have been increasing due to better health and sanitation conditions in thecountry. However, the average number of years of employment has not been rising commensurately. Theresult is an increase in the number of post-retirement years. Accordingly, it has become necessary toensure regular income for life after retirement, so that you can live with pride and enjoy your twilightyears.

Priorities at different stages of life:-


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However, skyrocketing costs can throw even a well-laid plan off balance. With costs rising every day, youcan just imagine how high they will be when you are ready to hang up your boots. So, what should you doto counter this? It's time to plan your retirement and that too sooner than later.

The above illustration shows how with each passing year your annual savings requirement wouldincrease. For instance, if you are 30 years old and plan to retire at 60, then, with a current annualexpenditure of Rs. 3,00,000/- , you would need a corpus in excess of Rs. 2,00,00,000/- to maintain yourliving standards, assuming you live till 85 years and the inflation rate is 4%. To build this retirementcorpus, you need to invest Rs 3,60,000/- per annum in a retirement plan that offers 8% returns perannum. In case you delay planning your retirement by 5 years then the investment amount wouldincrease to Rs 6,90,000/- per annum.

1. HDFC Immediate Annuity

The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed grossincome throughout your lifetime or over a period of your choice. The income is guaranteed and is

unaffected by the rise and fall of interest rates. This means you can plan your life the way you want it tobe, safe in the knowledge that your gross income will not fall during the period you have selected. TheHDFC Immediate Annuity offers a number of options to meet all your income needs.

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Advantages

Income for Temporary Period Option: You can choose to limit the payment period of annuity if you onlyrequire an income for a specified time. The annuity is payable for your selected term provided you are stillalive. No annuity is payable after the chosen term has expired. You can choose to limit the payment termto between 5 and 25 years. The term selected must be at least for one year greater than any guaranteeperiod

Death Benefits: In addition to a regular income, you can choose an annuity that will pay out a benefit onyour death or, if you have chosen to provide an annuity for a named individual, on the later of your andthe named individual's death. You can choose the level of death benefit:

o Full purchase price, or a proportion of the purchase price

o Capital protection option- the amount paid on death is equal to the purchase price less the grossannuity installments already paid under the annuity

o No death benefit is allowable where a guarantee period has been selected. No death benefit isallowable where a Joint Life annuity reducing on death of the first life has been selected

If you need to provide an income for someone after you die: The HDFC Immediate Annuity can alsoprovide an annuity for a named individual specified in your application form. This annuity will be paid if

you die before the named individual. The amount of their annuity can be the same as your annuity or aproportion of your annuity

D. Savings & Investment Plans

Why do I need Savings & Investment Plans?

You have always given your family the very best. And there is no reason why they shouldn't get the verybest in the future too. As a judicious family man, your priority is to secure the well-being of those whodepend on you. Not just for today, but also in the long term. More importantly, you have to ensure thatyour family's future expenses are taken care, even if something unfortunate were to happen to you.

A big factor that you need to consider while building your wealth is inflation. It has a dual impact on yourhard-earned savings. Inflation not only erodes your current purchasing power but also magnifies yourmonetary requirements for the future. Sample this: An 35 Year individual needs to invest Rs. 36,000/- peryear with 8% returns to build a corpus of Rs. 10,00,000/- by the age of 50 Years.


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However, Rs. 10,00,000/- after 15 years would be worth roughly around half of what it is today onceadjusted for inflation at the rate of 4%. Therefore, an individual will need to save nearer to Rs 50,000/-annually to reach your targeted savings at the age of 50 Years, if you consider inflation.

OurSavings & Investment Plans provide you the assurance of lump sum funds for your and yourfamily's future expenses. While providing an excellent savings tool for your short term and long termfinancial goals, these plans also assure your family a certain sum by way of an insurance cover. With

HDFC Standard Life's range ofSaving & Investment Plans, you can therefore ensure that your familyalways remains financially independent, even if you are not around.Types of Savings & Investment PlansOur range ofSavings & Investment Plans includes

Type Conventional Plans Unit Linked Insurance PlansRegular Premium

HDFC SL New Money BackPlan

HDFC Assurance Plan#

HDFC Savings AssurancePlan^

HDFC Endowment AssurancePlan

HDFC Life Sampoorn SamridhiInsurance Plan

HDFC SL ProGrowthSuper II

HDFC SL ProGrowthFlexi

HDFC Life ProGrowthPlus

HDFC Life SmartWoman Plan

Single Premium/ Investment HDFC Single Premium WholeofLife Insurance Plan

HDFC SL ProGrowthMaximiser

Limited Premium Payment HDFC SLClassicAssure Insurance Plan

HDFC SL Crest

1. HDFC Life Smart Woman Plan

HDFC Life Smart Woman Plan, a unique insurance cum investment plan designed specifically for women.This plan ensures that your savings continue, while you adjust to the new stages of your life, and youremain confident to live life your way.

The plan comes with comprehensive coverage options where we will cover you against pregnancycomplications and congenital conditions or for malignant female-specific cancers. During these criticalmoments, we assure you the peace of mind by waiving and funding your premiums so that as youovercome and adjust to your life your investments continue to grow.

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Advantages

Choose plan options as per your needs i.e. Classic or Premier or Elite

Uninterrupted savings with Waiver & funding of premiums for next 3 years on the following events

o Pregnancy complications or birth of child with congenital disorder

o Diagnosis of malignant cancer of female organs

o Death of spouse (Only with Elite option)

Additional periodic cash payouts under Premier & Elite Options

This plan provides valuable protection to your family in case you are not around. In case of yourunfortunate demise during the policy term, we will pay the greater of the Sum Assured or your total fundvalue to your nominee.

On maturity, you can take the Fund Value at the prevailing unit prices as lump sum or you can opt forsettlement option. You can use the maturity benefit to fund your needs - be it for child's education, travel,

upgrading your entrepreneurship venture etc.

You have flexibility to make partial withdrawals to meet any unplanned expenses.

2. HDFC Life Sampoorn Samridhi Insurance Plan

Sukh aur Samridhi. Joy, happiness and prosperity are your ultimate desire, not only for yourself but alsofor your loved ones. Life insurance plans not only let you secure financial future of your loved ones, theyalso assist you in attaining prosperity.With HDFC Life Sampoorn Samridhi Insurance Plan, you can be financially prepared for the future andcan fulfil your dreams & aspirations. This plan offers financial protection to your loved ones when theyneed it the most, enabling you and your family live life with peace of mind and sar utha ke !


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Advantages

Financial protection to your loved ones by way of a lump sum payment in case of your unfortunate

demise during the policy term. Sum assured plus attached bonuses will be paid to the nominee. In caseof death due to accident, an additional Sum Assured will be paid. The policy will terminate and no furtherbenefits will be payable.

Choice of Maturity Benefit Option- on survival till maturity , you can choose maturity benefit option

Enhanced Cash Option Sum Assured + Reversionary Bonus +any interim bonus + any terminalbonus + Enhanced Terminal Bonus. Policy terminates and no further benefits are payable.

Enhanced Cover Option - Sum Assured + Reversionary Bonus + any Interim bonus + any TerminalBonus payable on maturity + Additional Sum Assured on unfortunate death of life assured upto age of99 years.

Tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961 subject to the provisions

contained thereinFor more details on risk factors, terms and conditions, please read the Product Brochure carefully and/orconsult Financial Consultant before taking a decision.

3. HDFC Endowment Assurance Plan

As a judicious family man, your priority is to secure the well -being of those who depend on you. Not justfor today, but also for the long term. With our HDFC Endowment Assurance Plan, you can start buildingyour savings today and ensure that your family remains financially independent, even when you are notaround. This 'With Profits' plan is designed to secure your family's future by giving your family aguaranteed lump sum on maturity or in case of your unfortunate demise, early into the policy term.


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Advantages

Ideal way to secure your long-term financial goals and your family's financial independence by giving a

lump sum payment (basic Sum Assured plus any Bonus Additions) on survival up to Maturity date

Provides invaluable protection to your family by way of lump sum payment in case of unfortunate demisewithin policy term

Gives you the flexibility to customize your policy according to your needs by adding any one of the3benefit options available

You can choose to pay your premium as either Annually, Half-Yearly or Quarterly depending on yourconvenience. You also have a range of convenient auto premium payment options

Tax benefits under sections 80C, 80D and 10(10D) of Income Tax Act, 1961

4. HDFC SL Crest

Any uncertainty should not affect your plans. Be it of life, or of markets. You want to secure happiness foryourself and your loved ones. We present HDFC SL Crest - insurance cum investment plan that providesvaluable financial protection to your family when needed the most along with an investment option forcertainty of highest NAV along with a guarantee on returns*. So that when you reap the returns of life,they are on crests not on lows. In this plan you can choose to invest in either of two investments options-Highest NAV Guarantee Fund or Free Asset Allocation Option.

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* Applicable only with Highest NAV Guarantee Fund option;

Advantages

Choice of two Investment Options - Highest NAV Guarantee Fund or Free Asset Allocation Option.

Benefit of minimum guaranteed NAV of Rs. 15 at maturity *.

On maturity you will receive the Fund value as per the investment option selected.

This plan provides valuable protection to your family in case you are not around. In case of yourunfortunate demise during the policy term, we will pay the amount higher of your Sum Assured (lesspartial withdrawals) or your total fund value to your family. Please refer to product brochure for details.



5. HDFC SL ProGrowth Super II

You will settle for nothing but the best. Be it for self or for your loved ones. With HDFC SL ProGrowthSuper II, you have a smart savings-cum-insurance plan that will help you effortlessly provide the finest foryour family, be it today or tomorrow.

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Advantages

You can choose any of the following 8 plan options as per your requirement.

o Life Option = Death Benefit

o Extra Life Option = Death Benefit + Accidental Death Benefit

o Life & Health Option = Death Benefit + Critical Illness Benefit

o Extra Life & Health Option = Death Benefit + Critical Illness Benefit + Accidental Death Benefit

o Life & Disability Option = Death Benefit + Accidental Total & Permanent Disability Benefit

o Extra Life & Disability Option = Death Benefit + Accidental Death Benefit + Accidental Total &Permanent Disability Benefit

o Life & Health & Disability Option = Death Benefit + Critical Illness + Accidental Total & PermanentDisability Benefit

o Extra Life & Health & Disability Option = Death Benefit + Accidental Death Benefit+ Critical Illness +Accidental Total & Permanent Disability Benefit

This plan provides valuable protection to your family in case you are not around. In case of yourunfortunate demise during the policy term, we will pay the Sum Assured and your total fund value to yourfamily.




o Premium Redirection: You can pay your future premiums into a different selection of funds, as peryour need

6. HDFC SL ProGrowth Flexi

Nothing should hold you back in life. Uncertainties of life can throw best laid plans and aspiration off gear.It's prudent to be prepared and life insurance solutions enable you to build your savings and enjoy lifecover.With HDFC SL ProGrowth Flexi, you have a smart savings-cum-insurance plan that will enable you tosimply provide the finest for your loved ones. In this plan you also enjoy life insurance coverage so thatyoure loved ones financial future is secured even in your absence.

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Advantages

This plan provides valuable protection to your family in case you are not around. In case of yourunfortunate demise during the policy term, we will pay the greater of the Sum Assured or your total fund

value to your nominee. You can choose any of the following 2 plan options as per your requirement.



On maturity, you can take the Fund Value at the prevailing unit prices as lump sum or you can opt forsettlement option.

You have flexibility of


o Premium Redirection: You can pay your future premiums into a different selection of funds, as per

your need

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961.

7. HDFC Life ProGrowth Plus

You work hard to attain your dreams. Your money should work harder so that you can attain your dreamsand aspirations. Investing in a unit linked insurance plan is a nice way to build wealth and also enjoy lifeinsurance cover. We understand that you would like to actively manage your own investment, and preferto create your own investment strategy.

We present HDFC Life ProGrowth Plus, a simple savings-cum-insurance plan that will enable you toenjoy life cover and benefit from comfort of creating your own investment strategies.

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Advantages

This plan provides valuable protection to your family in case you are not around. In case of yourunfortunate demise during the policy term, we will pay the greater of the Sum Assured or your total fund

value to your nominee You can choose any of the following 2 plan options as per your requirement.



On maturity, you can take the Fund Value at the prevailing unit prices as lump sum or you can opt forsettlement option.

You have flexibility of creating your own investment strategies, as per your risk and return appetite

You have flexibility to make partial withdrawals to meet any unplanned expenses

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961, as per provisions

contained therein

8. HDFC SL ProGrowth Maximiser

You know that there are no guarantees in life, but when it comes to your loved ones you dont want totake any chances. You need an assurance that if something happens to you, your loved oneshappiness and dreams are not hampered.With our HDFC SL ProGrowth Maximiser, you get the valuable life insurance cover along with the choiceof investing in any one of 3 different Investment Options. This plan strives to maximize your returns sothat ensuring the best for your loved ones is easy.Features


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Advantages

Choose Investment options as per your need: You can invest into any of the 3 investment optiondesigned to meet different investment and return needs.

o Highest NAV Guarantee Fund - offers the Guaranteed NAV applicable at maturity of your policy will bethe higher of Rs. 15 or the highest NAV recorded daily during the first 7 years from the launch of theHighest NAV Guarantee Fund.

o Capital Guarantee Fund - This fund guarantees that the Unit Price on maturity of the policy will be atleast equal to the Unit Price that was used to allocate units to the single premium invested by you atinception of the policy.

o Free Asset Allocation - This option enables you to invest in any of the 5 non guaranteed fund(s)available under this option. You can make your own investment strategy by switching between thefunds as desired.

Invest additional single premium top- ups as per your convenience anytime. Please refer to the productbrochure for details.

On unfortunate death of the life assured, greater of the Fund value or Sum Assured (less withdrawals asmentioned in sales aid) will be payable to the nominee.

On maturity, you will receive the fund value as per investment option selected.


9. HDFC SL New Money Back Plan

Being self-reliant is a nice feeling. Its comforting to be assured that you have necessary funds to livea fulfilling life. With HDFC SL New Money Back Plan, you will get regular cash back at periodic intervals,

so that you can fulfill your dreams & aspirations. This plan also offers the financial protection to your lovedones when they need it the most, enabling you to live life with peace of mind.

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Advantages

Money Back on completion of every 4 years, you would get a percentage of your sum assured as cashpayout. The payout will be as defined below.

PolicyTerms(Yrs.)

Survival Benefit as a % of Sum Assured (Money Back Payout)4

thyr. 8

thyr. 12

thyr. 16

thyr. 20

thyr. 24

thyr.

12 25% 25%50% + attaching

bonus- - -

16 25% 25% 25%25% + attaching

bonus- -

20 20% 20% 20% 20%20% + attaching

bonus-

24 15% 15% 15% 15% 15%25% + attaching

bonus

Provides valuable protection to your family by way of lump sum payment i.e. Sum Assured plus attachingbonuses, in case of unfortunate demise within policy term, over and above any earlier payouts.

You can choose to pay your premium as either Annually, Half-Yearly, Monthly or Quarterly depending onyour convenience. You also have a range of convenient auto premium payment options

Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961

10. HDFC Single Premium Whole of Life Insurance Plan

Ideally, just how spending comes to you, so must saving and investing. You are able to finance yourexpenses and take care of your family's needs in present times. However, to ensure that family is able tomaintain the same standard of living in the future, you need to make the right kind of investment today.HDFC Single Premium Whole of Life Plan is a tailor made plan well suited to meet your long-terminvestment needs and help you maintain your family's financial independence. This single premiuminvestment plan is a Whole of Life plan aimed at providing long-term real growth of your money.Features


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Advantages

This participating plan is a Whole of Life plan aimed at providing long-term real growth for your money

By nature, this is a whole life policy where the term extends for the life However, you can decide on the

policy term by using a feature built into it. For a period of 4 weeks, after any one of the 10th, 15th, 20thand subsequent five-year anniversaries, you can choose to receive the Sum Assured plus any attachingbonuses, in full. Once money has been received, your policy will cease or you may also continue thepolicy for your whole life

You can terminate the policy any time, after it has been in force for at least 6 month and receive asurrender value. We will pay discretionary surrender value based on our experience. However, aftercompletion of 3 years there will be a guaranteed surrender value of 50% of premium paid. In addition tothe guaranteed surrender value, we may pay additional discretionary surrender value based on ourexperience. Contract ends on the payment of the same

Currently Section 80C benefit is available for the premium paid under the plan to the extent of 20% of theSum Assured. In the event of a death claim the money paid is exempt as per Section 10(10D), of theIncome Tax Act 1961

11. HDFC Assurance Plan

To fulfill your dreams for your family and yourself, you need to start saving today. And you not only needto save enough but also need the assurance that your family's future is secure. Get the convenience ofHDFC Assurance Plan. HDFC Assurance Plan helps you conveniently build your long-term savings whilekeeping your family's future protected. This 'With Profits' savings plan helps you build your long-termsavings while securing your family's future.

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Advantages

This plan is a 'With Profits' savings plan, which offers the following features

o The plan receives simple Reversionary Bonuses, which are usually added annually

o At maturity, the plan pays out the basic Sum Assured plus Reversionary Bonuses declared during thepolicy term. Interim or Terminal Bonus may also be payable, if declared

The plan can be surrendered for cash value before maturity

Provides financial support to your family by way of a lump sum payment in case of your unfortunate deathwithin the policy term. The lump sum is the basic Sum Assured plus any bonus additions

Tax benefit under Section 80C and 10(10D) of Income Tax Act 1961, subject to provisions containedtherein

12. HDFC Savings Assurance Plan

Despite your best efforts, you do not end up saving regularly for your family's and your future.Unexpected expenses, unplanned purchases and often, sheer lack of time defeat your efforts. Don't youwish that someone would take on the responsibility of regularly saving your money for you? HDFCSavings Assurance Plan is a 'With Profits' savings plan which helps you conveniently build your long-termsavings and ensure that your family is protected even if you are not around.

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Advantages

The chosen amount is automatically invested from your bank account into the plan

This plan is a 'With Profits' savings policy, which offers the following features

o The policy receives simple reversionary bonuses, which are usually added annually

o At maturity, the policy pays out the basic Sum Assured plus Reversionary Bonuses declared duringthe policy term. Interim or Terminal Bonus may also be payable, if declared

On death during the first year, a sum equal to 80% of premiums received is payable. On death after thefirst year and during the policy term, all premiums paid to date will be returned with compound interestcalculated at 6% per annum, subject to a maximum of the Sum Assured plus Reversionary Bonusesdeclared till date

Tax benefit under Section 80C and 10(10D) of Income Tax Act 1961, subject to provisions containedtherein

13. HDFC SL Endowment Gain Insurance Plan

With HDFC SL Endowment Gain Insurance Plan, you can be financially prepared for the future and canfulfill your dreams & aspirations. This plan also offers financial protection to your loved ones when theyneed it the most, enabling you to live life with peace of mind.

Features


Advantages


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Ideal way to secure your long-term financial goals and your family's financial independence by giving alump sum payment (basic Sum Assured plus any Bonus Additions) on survival up to Maturity date.

Provides invaluable protection to your family by way of lump sum payment in case of unfortunate demisewithin policy term.

Gives you the flexibility to customize your policy according to your needs by adding any one of the 2

benefit options available.

You can choose to pay your premium as either Annually, Half-Yearly ,Quarterly or Monthly depending onyour convenience. You also have a range of convenient auto premium payment options.

Tax benefits under sections 80C, 80D and 10(10D) of Income Tax Act, 1961.

14. HDFC SL ClassicAssure Insurance Plan

With HDFC SL ClassicAssure Insurance Plan, you can be financially prepared for the future and can fulfillyour dreams & aspirations. This plan also offers financial protection to your loved ones when they need itthe most, enabling you to live life with peace of mind.

Features


Advantages

Ideal way to secure your long-term financial goals and your family's financial independence by giving alump sum payment (basic Sum Assured plus any Bonus Additions) on survival up to Maturity date

Provides invaluable protection to your family by way of lump sum payment in case of unfortunate demisewithin policy term.

You can choose to pay your premium as either Annually, Half-Yearly ,Quarterly or Monthly depending onyour convenience. You also have a range of convenient auto premium payment options.

Enjoy High Sum Assured Discount of 5% on basic premium for Sum Assured of Rs.5 Lakhs and above.See product brochure for details.

Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.


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E. Health Insurance Plans

Why do I need Health Plans?

Health plans give you the financial security to meet health related contingencies. Due to changinglifestyles, health issues have acquired completely new dimension overtime, becoming more complex innature. It becomes imperative then to have a health plan in place, which will ensure that no matter how

critical your illness is, it does not impact your financial independence.In the race to excel in our professional lives and provide the best for our loved ones, we sometimesneglect the most important asset that we have - our health. With increasing levels of stress, negligiblephysical activity and a deteriorating environment due to rapid urbanization, our vulnerability to diseaseshas increased at an alarming rate.

Source: National Commission on Macroeconomics and Health Report 2005.

Note: Current figures are for the year 2000(Cardiovascular diseases)), 2001 (COPD and Asthma), 2004(Cancer) and 2005(Diabetes and Mental Health). All figures above are on a per lakh basis.

As can be seen in the above chart, lifestyle diseases are set to spread at disturbing rates. The result -increased expenditure. In many cases, people need to borrow money or sell assets to cover their medicalexpenses. All it takes is a suitable plan to help you overcome the financial woes related to your health bypaying marginal amounts as premiums. For example, if you are 30 years old, then a mere sum ofapproximately Rs 3500* annually (exclusive of taxes) can provide you a health insurance plan of Rs 5lakh over a period of 20 years, and a worry-free future for you and your family.*Note: The assumption is based on the HDFC Critical Care Plan. The figure is only indicative and the

actual premium may depend upon numerous factors such as age, sum assured, gender, policy term,

premium payment frequency and additional benefits opted for. It also differs from plan to plan and option

to option

Types of Health Insurance Plans

Our range ofHealth Insurance Plans includesHDFC Critical Care Plan

HDFC SurgiCare Plan

1. HDFC Critical Care Plan


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Critical Illness can strike anyone. Today with advancement in medical science it is possible to survive acritical illness. Expenses on survival with a critical illness can be very high. HDFC Critical care planprovides for a lump sum payment on survival post diagnosis of a critical illness, so that in the event acritical illness strikes, you don't have to dig into those precious savings of yours.

Features


Advantages

Provides valuable protection on survival post diagnosis of a critical illnesses

Covers as many as 30 critical illnesses

Lump sum benefit payment paid irrespective of medical expenses

The policy continues even after the benefit payment paid on selected illness

Choice of the level of health cover and premium payment

Convenient and hassle free claims

Tax benefits are available under section 80D under Income Tax Act, 1961

2. HDFC SurgiCare Plan

In the fast paced lives that we lead, medical contingencies may arrive at our doorstep uninvited. Surgerycosts form a substantial portion of health care expenditure and needs to be provided for. Health issuescan get compounded if left unattended and may require a surgery. Plus, the ever increasing costs of

surgical procedures are sure to burn a hole in our pockets.HDFC SurgiCare Plan provides you with timely support in case you have to undergo a major surgery andhospitalization, as the case maybe, ensuring your financial independence at all times.

Features


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Advantages 82 major surgical procedures are covered.

Option to include hospital cash benefit

Automatic increase in the level of health cover (subject to terms and conditions) ensures that theincreasing medical costs are taken care of.

Lump sum benefits are paid regardless of the actual medical expenses.

The policy continues even after the after the payment of first or subsequent surgical procedures, subjectto terms and conditions as stated in the policy brochure.

Flexibility to tailor-make the policy by choosing level of health cover, benefit options level and premium

payment as per your needs. Convenient and hassle free claims with cashless benefits on surgeries and hospitalization in any of the

network hospitals. To know more click here.

Tax benefits can be availed under section 80D of the Income Tax Act, 1961
http://www.ttkhealthcareservices.com/Pages/DOWNLOADS.htmhttp://www.ttkhealthcareservices.com/Pages/DOWNLOADS.htm

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HDFC Life Insurance Plans

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