{"uin":"101L164V09","name":"HDFC Life Smart Pension Plan","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2024-12-02","withdrawn_on":null,"summary":"HDFC Life Smart Pension Plan is a regular, limited or single premium paying unit-linked non-participating individual pension savings policy. It has a five-year lock-in, a death benefit equal to the higher of fund value or sum assured on death, and a vesting benefit equal to fund value on the vesting date.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:12:31.668908+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["HDFC Life Smart Pension Plan"],"display":"HDFC Life Smart Pension Plan","note":"No separate named plan variants are stated in the policy wording.","quote":"Name of the Product | HDFC Life Smart Pension Plan","sources":[{"clause":null,"heading":"Client ID: <<>>","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-client-id"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Minimum 5 years or premium payment term, whichever is higher; maximum 55 years.","display":"Minimum: 5 years or PPT whichever is higher; Maximum: 55 years","note":null,"quote":"Policy Term | Minimum:5 years or PPT whichever is higher|Maximum:55 years","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7191#c-your-policy-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death claims must be intimated within 90 days from the date of death of the Life Assured; delay may be condoned for reasons beyond the control of the insured or claimant.","display":"Within 90 days from the date of death of the Life Assured","note":null,"quote":"The claim is required to be intimated to Us within a period of 90 days from the date of death of the Life Assured, to treat the same as a valid claim. Delay in intimation of claim or submission of documents for the reasons beyond the control of the insured/claimant may be condoned by the Company.","sources":[{"clause":"F.13.2","heading":"In case of death due to unnatural cause","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-13-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed claim form, (including NEFT details and bank account proof as specified in the claim form)","Original Policy","Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing authority)","Claimant’s identity and residence proof","Original or copy of First Information Report, Police Panchnama report attested by Police authorities","Original or copy of Postmortem report attested by Hospital authority","Original Policy Document","Discharge Form","Self-attested ID Proof","Bank account details along with IFSC code"],"display":"Death claim form, original policy, death certificate, identity and residence proof; for unnatural death FIR/panchnama and postmortem; for vesting original policy document, discharge form, self-attested ID proof and bank account details with IFSC.","note":"The company may ask for additional documents depending on the cause or nature of the claim.","quote":"i) Completed claim form, (including NEFT details and bank account proof as specified in the claim form);\nii) Original Policy;\niii) Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing authority);\niv) Claimant’s identity and residence proof. ... v) Original or copy of First Information Report, Police Panchnama report attested by Police authorities; and\nvi) Original or copy of Postmortem report attested by Hospital authority. ... i) Original Policy Document; and\nii) Discharge Form\niii) Self-attested ID Proof, and\niv) Bank account details along with IFSC code","sources":[{"clause":"F.13.1","heading":"In case of death due to natural cause","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-13-1"},{"clause":"F.13.2","heading":"In case of death due to unnatural cause","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-13-2"},{"clause":"F.13.3","heading":"Requirements for vesting claims","page":40,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-13-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS points to an external TAT poster for claims settlement, but the policy clauses provided do not print the claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Exclusion: In case of death due to suicide within 12 months from the Date of Commencement of the Policy or from the date of Revival of the Policy, as applicable, the Eligible Person shall be entitled to the Fund Value, as available on the date of intimation of death.","If the Fund Value at any point of time is not sufficient to deduct the due Charges, the Policy will be foreclosed and no benefits will be payable thereon.","Apart from the Benefits mentioned hereinabove in Part C the Company shall not be liable to pay any other Benefits to the Eligible Person."],"display":"Suicide within 12 months pays only fund value; no benefits if the policy is foreclosed for insufficient fund value; no benefits other than those in Part C.","note":null,"quote":"Suicide Exclusion: In case of death due to suicide within 12 months from the Date of Commencement of the Policy or from the date of Revival of the Policy, as applicable, the Eligible Person shall be entitled to the Fund Value, as available on the date of intimation of death. ... If the Fund Value at any point of time is not sufficient to deduct the due Charges, the Policy will be foreclosed and no benefits will be payable thereon. ... Apart from the Benefits mentioned hereinabove in Part C the Company shall not be liable to pay any other Benefits to the Eligible Person.","sources":[{"clause":"F.12","heading":"Suicide Exclusion: In case of death due to suicide within 12 months from the Date of","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-12"},{"clause":"D.8","heading":"Foreclosure","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-8"},{"clause":"F.22.3","heading":null,"page":43,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-22-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Complain first to HDFC Life’s Grievance Redressal Officer by contacting its touch points or writing to the Mumbai address or service email; if not satisfied or if no response is received within 14 days, the policy says the customer may approach IRDAI, and if dissatisfied with HDFC Life’s response, the Insurance Ombudsman.","display":"First contact HDFC Life Grievance Redressal Officer; escalation matrix follows, then IRDAI or Insurance Ombudsman.","note":null,"quote":"The customer can contact us at any of our touch points or write to us at the below mentioned address in case of any complaint/ grievance:\nGrievance Redressal Officer HDFC Life Insurance Company Limited (“HDFC Life”) ... If you are not satisfied with the response or do not receive a response from us within 14 days, you may approach the Grievance Cell of IRDAI ... In the event you are dissatisfied with the response provided by us, you may approach the Insurance Ombudsman in your region.","sources":[{"clause":"1(i)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-1-i"},{"clause":"1(xi)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-1-xi"},{"clause":"2","heading":null,"page":45,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-2-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured on Death is 105% of total premiums including top-up premiums paid, reduced by partial withdrawals from the fund value with respect to contractual premiums made during the two-year period immediately preceding death. Partial withdrawals from top-up premiums do not affect Sum Assured on Death.","display":"105% of total premiums including top-up premiums paid, reduced for specified contractual-premium partial withdrawals","note":"From the sales brochure; the policy schedule also records Sum Assured on Death at inception.","quote":"Sum Assured on Death in this policy at any time during the policy term will be 105% of total premiums including top-up premiums paid reduced to the extent of the partial withdrawals from the fund value with respect to contractual premiums made during the two-year period immediately preceding the death of the life assured. Partial withdrawals made from fund value with respect to top-up premiums will not affect Sum Assured on Death.","sources":[{"clause":null,"heading":"BENEFITS UNDER THE PLAN","page":3,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7046#c-benefits-under-the-plan"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death of the Life Assured after risk commencement and before the vesting date, while the policy remains in force, the death benefit payable to the nominee is the higher of Fund Value or Sum Assured on Death. The nominee may withdraw it or use all or part to buy an immediate or deferred annuity, with the option to buy annuity from another insurer to the permitted extent.","display":"Higher of Fund Value or Sum Assured on Death","note":null,"quote":"Death Benefit is the amount payable on death of Life Assured to the Nominee after Risk Commencement Date and before the Policy Vesting Date and is subject to the terms of this Policy and the Policy remaining In Force and is higher of the following: ... i) Fund Value; or ... ii) Sum Assured on Death.","sources":[{"clause":"C.1","heading":"Death Benefit","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-c-1"},{"clause":"C.1(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-c-1-i"},{"clause":"C.1(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-c-1-ii"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival till the vesting date, the vesting benefit is the fund value as on the vesting date. The policyholder may use it to buy immediate or deferred annuity, commute up to 60% and use the balance for annuity, or buy annuity from another insurer to the currently permitted extent of 50% of the vesting benefit net of commutation.","display":"Fund Value as on the Vesting Date; up to 60% may be commuted","note":"The policy uses the term Vesting Benefit rather than maturity benefit.","quote":"Vesting Benefit: On survival of the Life Assured till the Vesting Date, Vesting Benefit is the Fund Value as on the Vesting Date. ... To utilize the entire Vesting Benefit to purchase immediate annuity or deferred annuity from the Company at the then Prevailing Annuity Rate or to Commute up to 60% and utilize the balance amount to purchase immediate annuity or deferred annuity from the Company at the then prevailing annuity rate. ... currently 50%, of the entire Vesting Benefit of the Policy net of Commutation","sources":[{"clause":"C.2","heading":"Vesting Benefit","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-c-2"},{"clause":"C.2(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-c-2-i"},{"clause":"C.2(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-c-2-ii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The product can be bought as single premium or, for other than single premium, with a premium payment term of 5 to 30 years.","display":"Single Premium; other than Single Premium: 5 to 30 years","note":null,"quote":"Premium | Single Premium | Other than Single Premium:5 to 30 years","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7191#c-your-policy-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum vesting age is 80 years.","display":"Maximum: 80 years","note":"Minimum vesting age is 40 years, or 55 years for QROPS/QOPS.","quote":"Vesting Age | Minimum:40 years(55 years for QROPS/QOPS)|Maximum:80 years","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7191#c-your-policy-at-a-glance"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from policy commencement or revival, the eligible person receives the fund value available on the date of intimation of death, with charges other than FMC recovered after death added back.","display":"Within 12 months, pays Fund Value as available on date of intimation of death; non-FMC charges after death added back","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of the Policy or from the date of Revival of the Policy, as applicable, the Eligible Person shall be entitled to the Fund Value, as available on the date of intimation of death.\nFurther any charges other than Fund Management charges (FMC) recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"F.12","heading":"Suicide Exclusion: In case of death due to suicide within 12 months from the Date of","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-f-12"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policyholder can surrender at any time during the policy term. If surrendered during the lock-in period, fund value net of discontinuance charges is credited to the Discontinued Policy Fund and continues there until the end of the lock-in period or death, whichever is earlier; after the lock-in period the policy terminates and fund value as on surrender must be utilized as stated for vesting benefit.","display":"Surrender allowed any time; during lock-in, fund value net of discontinuance charges goes to Discontinued Policy Fund; after lock-in, fund value as on surrender is payable for utilization as vesting benefit","note":null,"quote":"At any point of time during the Policy Term, the Policyholder can opt to Surrender the Policy subject to the terms mentioned below: ... In case the Policy is surrendered during the Lock-in Period, the Fund Value net of Policy Discontinuance Charges shall be credited to the Discontinued Policy Fund ... In case the Policy is surrendered after completion of Lock-in Period, the Policy stands terminated and Fund Value as on date of Surrender must be utilized by Policyholder as mentioned in Part C.2.1.","sources":[{"clause":"D.4","heading":"Surrender Provisions","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-4"},{"clause":"D.4.1","heading":"Policy Surrendered during the Lock-in Period","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-4-1"},{"clause":"D.4.2","heading":"Policy Surrendered after completion of Lock-in Period","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-4-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For other than single premium policies, if premium is not paid after the lock-in period and the grace period expires, the policy becomes reduced paid-up with paid-up sum assured equal to original Sum Assured multiplied by the ratio of total period for which premiums have been paid to the maximum period for which premiums were originally payable.","display":"After lock-in, non-payment after grace converts to reduced paid-up with proportionately reduced Sum Assured","note":"This applies to other than single premium policies after the lock-in period.","quote":"Upon expiry of the grace period, in case of discontinuance of Policy due to non-payment of premium after lock-in period, the Policy shall be converted into a reduced paid up policy with the paid-up Sum Assured as stated under clause 4(B)(a)(2)(ii) of Schedule-I of IRDAI (Insurance Products) Regulations, 2024 i.e.; original Sum Assured multiplied by a ratio of total period for which premiums have already been paid” to the “maximum period for which premiums were originally payable”.","sources":[{"clause":"D.2.2.1","heading":"For other than Single Premium policies","page":17,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-2-2-1"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is three years from the date of first unpaid premium.","display":"3 years from date of first unpaid premium","note":null,"quote":"The revival period for this product is three years from date of first unpaid premium.","sources":[{"clause":"D.3","heading":"Revival of a Discontinued Policy","page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan facility is not allowed under this policy.","display":"No loan facility","note":null,"quote":"Policy Loan: Loan facility is not allowed under this Policy.","sources":[{"clause":"D.7","heading":"Policy Loan","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-7"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["No riders are allowed under this plan."],"display":"No riders are allowed under this plan.","note":"From the sales brochure.","quote":"Riders:\nNo riders are allowed under this plan.","sources":[{"clause":"2","heading":"For Single Premium Policy","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7046#c-2-2"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"The policy says no life insurance policy can be called in question on any ground after 3 years from the date of issuance, commencement of risk or revival. Within 3 years, it may be questioned on grounds of fraud or material misstatement, with written communication of the grounds and materials.","display":"Cannot be questioned on any ground after 3 years; fraud or material misstatement may be raised within 3 years","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 years from\na) the date of issuance of Policy or\nb) the date of commencement of risk or\nc) the date of revival of Policy ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made","sources":[{"clause":"01","heading":null,"page":51,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-01"},{"clause":"02","heading":null,"page":51,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-02"},{"clause":"06","heading":null,"page":51,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-06"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The brochure says premiums may be eligible for tax benefits under the Income Tax Act 2025, and part of the benefit can be taken as a tax-exempt lump sum, subject to the Act and changes in tax laws.","display":"Premiums may be eligible for tax benefits; part of the benefit can be taken as tax-exempt lump sum, subject to tax law","note":"From the sales brochure; tax benefits are stated to be subject to change in tax laws.","quote":"Premiums paid may be eligible for tax benefits under the Income Tax Act 2025 (corresponding to Income Tax Act, 1961), subject to the provisions contained therein. Part of the benefit can be taken as tax- exempt lump sum free (commuted value), as prescribed under the Income Tax Act 2025 (corresponding to Income Tax Act, 1961).","sources":[{"clause":null,"heading":"What are your Tax Benefits","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7046#c-what-are-your-tax-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the Policy","note":null,"quote":"In case you are not agreeable to any of the provisions stated in the Policy, you have the option to return the Policy to us stating the reasons thereof, within 30 days from the date of receipt of the Policy whether received electronically or otherwise.","sources":[{"clause":"D.1","heading":"Free Look Provisions","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days monthly; 30 days all other cases","note":"15 days applies where premium is paid monthly; 30 days applies in all other cases.","quote":"The Grace Period for payment of the Premiums shall be: fifteen days where the Policyholder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":"21","heading":"Grace Period for other than single premium policies","page":8,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-21"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 70 years.","display":"Minimum: 18 years; Maximum: 70 years","note":null,"quote":"Entry Age | Minimum:18 years|Maximum:70 years","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7191#c-your-policy-at-a-glance"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly"],"display":"yearly, half-yearly, quarterly or monthly","note":null,"quote":"Premiums under the Policy can be paid on yearly, half-yearly, quarterly or monthly basis as per the chosen Frequency of Premium Payment and as set out in the Policy Schedule or as amended subsequently.","sources":[{"clause":null,"heading":"Payment and cessation of Premiums","page":15,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-payment-and-cessation-of-premiums"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["regular","limited","single"],"display":"regular, limited or single premium","note":null,"quote":"Your Policy is a << regular/ limited/ single >> Premium paying Unit-Linked, Non-Participating Individual Pension Savings Policy.","sources":[{"clause":null,"heading":"THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE","page":3,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-the-linked-insurance-products-do-not-offer-any-l"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five consecutive completed years from the Date of Commencement of the Policy","note":null,"quote":"Lock-in Period means the period of five consecutive completed years from the Date of Commencement of the Policy, during which period the proceeds of the policies cannot be paid by the insurer to the Policyholder or to the insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the policy.","sources":[{"clause":"24","heading":"Lock-in Period","page":8,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-24"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Individual Preserver Pension Fund - Low","Individual Prime Equity Pension Fund - High","Large Cap - Pension Fund - High","Flexi Cap Pension Fund - Very High","Top 500 Momentum 50 Pension Fund - High","HDFC Life Dynamic Advantage Pension Fund - Medium","Top 300 Alpha 50 Pension Fund - High","India Consumption Advantage Pension Fund - High","India Sector Leaders Opportunities Pension Fund - High","Top 500 Smart Value 50 Pension Fund - Very High","Dividend Leaders Advantage Pension Fund - Very High","Top 200 Equal Weight Pension Fund - Very High"],"display":"12 pension funds, from Low to Very High risk, plus the Discontinued Policy Fund Pension for discontinued policies","note":"The Discontinued Policy Fund Pension is used for discontinued policies and is not listed as a chosen investment fund in the value.","quote":"Individual Preserver Pension Fund (SFIN: ULIF01216/12/09PNPRESERVR101) | Debt: 75% to 100% Money Market: 0% to 25% | To provide safety and growth with minimum risk | Low ... Individual Prime Equity Pension Fund(SFIN: ULIF01316/12/09PNPRIMEEQU101) | Equity: 90% to 100% Debt: 0% to 10% | To provide for equity linked market returns | High ... Large Cap - Pension Fund (SFIN: ULIF01901/06/20PNLARGECAP101) ... | High ... Flexi Cap Pension Fund (SFIN No: ULIF07201/09/23FlexiCapPF101) ... | Very High ... Top 500 Momentum 50 Pension Fund (SFIN: ULIF07702/12/24Top500MoPF101) ... | High ... HDFC Life Dynamic Advantage Pension Fund (SFIN: ULIF08128/02/25DynamicPFd101) ... | Medium ... Top 300 Alpha 50 Pension Fund (SFIN : ULIF07928/02/25Alpha300PF101) ... | High ... India Consumption Advantage Pension Fund (ULIF08521/11/25InCnsAdPFd101) ... | High ... India Sector Leaders Opportunities Pension Fund(ULIF08702/03/26InStrLrPFd101) ... | High ... Top 500 Smart Value 50 Pension Fund(ULIF08928/05/26SmtVl50PFd101) ... | Very High ... Dividend Leaders Advantage Pension Fund(ULIF09126/08/26DivLrAdPFd101) ... | Very High ... Top 200 Equal Weight Pension Fund(ULIF09316/09/26T200EqWPFd101) ... | Very High","sources":[{"clause":"E.1.12","heading":"Top 200 Equal Weight Pension Fund (ULIF09316/09/26T200EqWPFd101) : The Fund aims to","page":23,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-e-1-12"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Offline policy bond: for other than single premium, 12% annual mode or 9% half-yearly and monthly mode in policy year 1, and 4% annual or 3% half-yearly and monthly from 2nd year onwards; for single premium, 1.5% for Rs.1,00,000 to Rs.3,49,999, 1.0% for Rs.3,50,000 to Rs.4,99,999 and Nil for Rs.5,00,000 and above; top-up premium charge is 1%. Online policy bond: for other than single premium, 4% annual and 3% half-yearly and monthly for all years; for single premium, 0.5% for Rs.1,00,000 to Rs.3,49,999 and Nil from Rs.3,50,000 onwards; top-up premium charge is nil.","display":"Offline: 12%/9% in year 1, 4%/3% later; single 1.5%, 1.0%, Nil; top-up 1%. Online: 4%/3% all years; single 0.5% then Nil; top-up Nil.","note":"Charges differ between the offline and online policy bonds; the display gives both channel variants.","quote":"Policy Year | Allocation charge (Annual Mode) | Allocation charge (Half-Yearly & Monthly Mode)\n1 | 12% | 9%\n2nd Year onwards | 4% | 3% ... 1,00,000 - 3,49,999 | 1.5%\n3,50,000 – 4,99,999 | 1.0%\n5,00,000 & above | Nil\nPremium allocation charge for Top-up Premium is 1%. ... Policy Year | Allocation charge (Annual Mode) | Allocation charge(Half-Yearly & Monthly Mode)\nAll | 4% | 3% ... 1,00,000 - 3,49,999 | 0.5% ... 3,50,000 – 4,99,999 | Nil ... Premium allocation charge for Top-up Premium is nil","sources":[{"clause":null,"heading":"Premium Allocation charges for other than ‘Single Premium’ Policy","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-premium-allocation-charges-for-other-than-single"},{"clause":null,"heading":"Premium Allocation charges for ‘Single Premium’ Policy","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-premium-allocation-charges-for-single-premium-po"},{"clause":null,"heading":"Premium Allocation charges for other than ‘Single Premium’ Policy","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7058#c-premium-allocation-charges-for-other-than-single"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy administration charge is deducted monthly by cancellation of units. The current maximum is Rs.500 per month; charges vary by premium size, policy year and regular/limited pay versus single pay/top-up premium as printed in the table.","display":"Maximum Rs. 500 per month, deducted monthly by cancellation of units; percentage varies by premium size, policy year and premium type","note":"For single pay/top-up premium the table gives 0.08%, 0.15%, 0%, 0.15% for premium size less than 10 lakhs, and 0% for 10 lakhs and above.","quote":"Currently, the maximum Policy Administration Charge is Rs. 500 per month. These charges are applicable throughout the Policy Term & would be deducted at the beginning of each Policy month by way of cancellation of units.\nPremium Size | Regular/Limited Pay | Single Pay/ Top-Up Premium\nLess than 10 Lakhs | Policy Year 1-5: 0.1% Policy Year 6-10: 0.3% Policy Year 11-15:0% Policy Year 16+:0.3%","sources":[{"clause":null,"heading":"Premium Allocation charges for ‘Single Premium’ Policy","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-premium-allocation-charges-for-single-premium-po"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund management charge is deducted through NAV daily. It is 1.00% for Individual Preserver Pension Fund, 0.85% for Large Cap - Pension Fund, 0.5% for Discontinued Policy Fund Pension, and 1.35% for the other listed funds.","display":"1.00% Preserver, 0.85% Large Cap, 1.35% most other funds, 0.5% Discontinued Policy Fund Pension","note":"The policy says the current maximum cap allowed by IRDAI is 1.35%.","quote":"This charge is levied as a percentage of the value of assets and shall be appropriated by adjusting the NAV. This is a charge levied at the time of computation of NAV, which is done on daily basis. ... Individual Preserver Pension Fund | 1.00% ... Individual Prime Equity Pension Fund | 1.35% ... Large Cap - Pension Fund | 0.85% ... Top 200 Equal Weight Pension Fund | 1.35% ... Fund Management Charge applicable for Discontinued Policy Fund Pension is 0.5% per annum.","sources":[{"clause":null,"heading":"Premium Allocation charges for ‘Single Premium’ Policy","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-premium-allocation-charges-for-single-premium-po"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Switching between funds is allowed for unlimited number of times during the policy term, and no switch charge applies. Partial withdrawals are allowed only after completion of the lock-in period while the policy is in force, for a minimum Rs.6000 and maximum 25% of fund value, only three times during the entire policy term, and no partial withdrawal charge applies.","display":"Unlimited fund switches with no switch charge; partial withdrawals after lock-in, Rs.6000 minimum, up to 25% of fund value, three times, no charge","note":"Partial withdrawals are allowed only for the stipulated reasons printed in the policy.","quote":"Partial Withdrawal can be made only after completion of Lock-in Period subject to Policy being In Force. ... minimum amount of Rs.6000/- and maximum amount up to 25% of Fund Value ... Partial Withdrawal is allowed only three times during the entire Policy Term. ... Switching between Funds is allowed for unlimited number of times during the Policy Term. ... Switch Charge: No charge is applicable for Switches made during the Policy Term. ... Partial Withdrawal Charge: No charge is applicable for Partial Withdrawals made during the Policy Term.","sources":[{"clause":"D.5","heading":"Partial Withdrawal","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-5"},{"clause":"D.6","heading":"Fund Switching","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-d-6"},{"clause":"2","heading":"For Single Premium Policy","page":35,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-2-3"},{"clause":null,"heading":"E.6.7 Miscellaneous Charges","page":36,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049#c-e-6-7-miscellaneous-charges"}],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Smart Pension Plan V09- Policy Bond offline 101L164V09","pages":55,"fetched_at":"2026-10-17 19:41:05+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-live/HDFC-Life-Smart-Pension-Plan-V09-Policy-Bond-offline.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7049"},{"kind":"wording","label":"HDFC Life Smart Pension Plan V09 - Policy Bond Online 101L164V09","pages":55,"fetched_at":"2026-10-17 19:41:13+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-live/HDFC-Life-Smart-Pension-Plan-V09-Policy-Bond-Online.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7058"},{"kind":"wording","label":"HDFC Life Smart Pension Plan V05 - Policy Bond Offline","pages":50,"fetched_at":"2026-10-17 20:23:17+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-withdrawn/Smart-Pension-Plan-V05.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/8223"},{"kind":"wording","label":"HDFC Life Smart Pension Plan V05 - Policy Bond Online","pages":53,"fetched_at":"2026-10-17 20:23:25+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-withdrawn/Smart-Pension-Plan-V05-Online-website.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/8227"},{"kind":"cis","label":"HDFC Life Smart Pension Plan","pages":4,"fetched_at":"2026-10-17 19:43:11+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/retirement-pension-plans-live/HDFC-Life-Smart-Pension-Plan-V09-Customer-Information-Sheet.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7110"},{"kind":"cis","label":"HDFC Life Smart Pension Plan 101L164V09 Policy at Glance Online","pages":3,"fetched_at":"2026-10-17 19:45:51+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/conventional-plans/HDFC-Life-Smart-Pension-Plan-101L164V09-Policy-at-Glance-Online.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7191"},{"kind":"cis","label":"HDFC Life Smart Pension Plan 101L164V09 Policy at Glance Offline","pages":3,"fetched_at":"2026-10-17 19:45:57+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/conventional-plans/HDFC-Life-Smart-Pension-Plan-101L164V09-Policy-at-Glance-Offline.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7193"},{"kind":"brochure","label":"HDFC Life Smart Pension Plan","pages":29,"fetched_at":"2026-10-17 19:40:59+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/brochure-documents-pdfs/retirement-annuity-live/HDFC-Life-Smart-Pension-Plan-Brochure.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09/document/7046"}],"versions":[{"uin":"101L164V05","version":null,"approved_on":null},{"uin":"101L164V09","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC Life Insurance official website","url":"https://www.hdfclife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.hdfclife.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.hdfclife.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"HDFC Life Smart Pension Plan (UIN 101L164V09), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-smart-pension-plan-101l164v09"}