{"uin":"101N134V30","name":"HDFC Life Sanchay Plus","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2025-05-08","withdrawn_on":null,"summary":"HDFC Life Sanchay Plus is an individual non-participating non-linked savings life insurance policy with Guaranteed Maturity, Guaranteed Income, Long Term Income and Life Long Income plan options. It has a 30-day free-look period, death claims must be intimated within 90 days from death, and policy loans are available up to 80% of surrender value.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:05:49.582455+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":["Guaranteed Maturity","Guaranteed Income","Long Term Income","Life Long Income"],"display":"Guaranteed Maturity; Guaranteed Income; Long Term Income; Life Long Income","note":null,"quote":"Options to policyholders for availing benefits, if any, covered under the policy, if opted at inception – Plan Options: 1. Guaranteed Maturity 2. Guaranteed Income 3. Long Term Income 4. Life Long Income","sources":[{"clause":"Row 5","heading":"Policy Coverage/benefits payable","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6950#c-row-5"}],"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":"Policy term depends on the plan option and premium paying term. Long Term Income offers policy terms from 5 to 15 years; Life Long Income from 5 to 20 years; Guaranteed Maturity from 5 to 30 years; and Guaranteed Income from 5 to 20 years, subject to the plan-specific PPT/PT combinations.","display":"5 to 30 years, depending on plan option and premium paying term","note":"Plan-specific PPT/PT combinations are as quoted.","quote":"Premium Payment Term (PPT),/ Policy Term (PT) | PPT Single Pay – Policy Term 5 to 15 years PPT 5 years – Policy Term 5 to 15 years PPT 6 years – Policy Term 6 to 15 years PPT 7 years – Policy Term 7 to 15 years PPT 8 years – Policy Term 8 to 15 years PPT 9 years – Policy Term 9 to 15 years PPT 10 years – Policy Term 10 to 15 years PPT 11 years – Policy Term 11 & 15 years PPT 12 years – Policy Term 12 & 15 years ... Premium Payment Term (PPT), / Policy Term (PT) and Payout Period | PPT Single Pay – Policy Term 5 to 10 PPT 5 years – Policy Term 5 to 15 PPT 6 years – Policy Term 6 to 15 PPT 7 years – Policy Term 7 to 15 PPT 8 years – Policy Term 8 to 15 PPT 9 years – Policy Term 9 to 15 PPT 10 years – Policy Term 10 to 20 PPT 11 years – Policy Term 11 to 20 PPT 12 years – Policy Term 12 to 20 ... Premium Payment | Single Pay | 5 to 20 years\nTerm (PPT)/\n5/6/7/8/9/10 years | 10 to 30 years\nPolicy Term (PT\n12/15/20 years | Equal to PPT to 30 years ... Premium Payment Term (PPT)/ Policy Term (PT) | PPT Single Pay – Policy Term 5 to 20 PPT 5 – Policy Term 5 to 15 PPT 6 – Policy Term 6 to 15 PPT 7 years – Policy Term 7 to 15 PPT 8 years – Policy Term 8 to 15 PPT 9 years – Policy Term 9 to 15 PPT 10 years – Policy Term 10 to 20 PPT 11 years – Policy Term 11 to 20 PPT 12 years – Policy Term 12 to 20","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7181#c-your-policy-at-a-glance"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7184#c-your-policy-at-a-glance"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7187#c-your-policy-at-a-glance"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7252#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. The insurer may condone delay where the claim is genuine and the delay is proved to be beyond the claimant's control.","display":"Within 90 days from the date of death","note":null,"quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. However, we may condone the delay in claim intimation, if any, where the claim is genuine and the delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"3","heading":"Claim Procedure","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-3-4"}],"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":["Original Policy Document","NEFT mandate / discharge voucher","NEFT supporting","KYC documents","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"],"display":"Maturity: original policy document, NEFT mandate/discharge voucher, NEFT supporting and KYC documents. Death: claim form, original policy, death certificate, claimant identity and residence proof, and for unnatural death FIR/police panchnama and postmortem report.","note":"The company may call for other documents or information for processing.","quote":"Basic documentation for maturity claims:\na) Original Policy Document\nb) NEFT mandate / discharge voucher\nc) NEFT supporting\nd) KYC documents ... Basic documentation if death is due to Natural Cause:\na) Completed claim form, (including NEFT details and bank account proof as specified in the claim form);\nb) Original Policy;\nc) Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing authority);\nd) Claimant’s identity and residence proof. ... Basic documentation if death is due to Un-Natural Cause:\na) Completed claim form, (including NEFT details and bank account proof as specified in the claim form);\nb) Original Policy;\nc) Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing authority);\nd) Claimant’s identity and residence proof.\ne) Original or copy of First Information Report, Police Panchnama report attested by Police authorities; and\nf) Original or copy of Postmortem report attested by Hospital authority.","sources":[{"clause":"3","heading":"Claim Procedure","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-3-4"}],"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 a TAT poster/link for claims settlement, but the policy clauses provided do not state an actual 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":["In case of death due to suicide within 12 months from the Risk Commencement Date under the policy or from the date of revival of the policy, as applicable"],"display":"Suicide within 12 months from risk commencement or revival pays at least 80% of total premiums paid or surrender value, whichever is higher, if the policy is in force.","note":null,"quote":"In case of death due to suicide within 12 months from the Risk Commencement Date under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":"1","heading":"Suicide Exclusions","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-5"}],"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":"First contact HDFC Life's Grievance Redressal Officer at the stated address, helpline or email. If there is no response within the prescribed timelines or the response is unsatisfactory, use the Level 1 and Level 2 escalation matrix before approaching IRDAI or the Insurance Ombudsman.","display":"Grievance Redressal Officer, then Level 1/Level 2 Customer Relations escalation","note":null,"quote":"The customer can contact us at any of our touchpoints or write to us at the below mentioned address in case of any complaint/ grievance:\nGrievance Redressal Officer HDFC Life Insurance Company Limited 11th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011 Helpline number: 022-68446530 (Call charges apply) | NRI Helpline Number: +91 8916694100 (Call Charges Apply) E-mail: service@hdfclife.com | nriservice@hdfclife.com (For NRI customers only) ... The following is the escalation matrix in case there is no response within the prescribed timelines or if you are not satisfied with the response. The number of days specified in the below- mentioned escalation matrix will be applicable from the date of escalation.\nLevel | Designation | Response Time | Email ID | Address\n1st Level | Chief Manager or above – Customer Relations | 10 working days | escalation1@hdfclife.in | 11th Floor, Lodha Excelus, Apollo Mills Compound, N M Joshi Marg , Mahalakshmi, Mumbai 400011\n2nd Level (for response not received from Level 1) | VP or above – Customer Relations | 7 working days | escalation2@hdfclife.in","sources":[{"clause":"Part G(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-part-g-i"},{"clause":"Part G(x)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-part-g-x"}],"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 is set by the applicable Death Benefit Multiple times the Annualized Premium or Single Premium. The applicable multiple depends on entry age and the Annualized or Single Premium committed in a policy year.","display":"Applicable Death Benefit Multiple × Annualized/Single Premium","note":null,"quote":"*Sum Assured shall be equal to the applicable Death Benefit Multiple times the Annualized / Single Premium. The applicable Death Benefit Multiples are as specified in Appendix 2. ... Sum Assured will be determined based on your entry age and the Annualized/Single Premium you commit to pay in a policy year.","sources":[{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-2"},{"clause":"Appendix 2","heading":"Death Benefit Multiple","page":21,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-appendix-2"}],"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":"For Long Term Income, Life Long Income and Guaranteed Income, death during the policy term pays a lump sum equal to Sum Assured on Death, calculated as the higher or highest of the listed multiples, 105% of total premiums paid, accumulated premiums at 5% p.a. where applicable, Guaranteed Sum Assured on Maturity, or the absolute amount assured. For Guaranteed Maturity, death benefit is accrued Guaranteed Additions plus Sum Assured on Death, with Sum Assured on Death determined as stated in that option.","display":"Sum Assured on Death during policy term; Guaranteed Maturity also adds accrued Guaranteed Additions","note":"Guaranteed Maturity option has the accrued Guaranteed Additions variant. The quoted Long Term Income wording is materially the same for Guaranteed Income and Life Long Income except plan-specific maturity references.","quote":"On death of the Life Assured during the Policy Term and provided all Premiums which have fallen due have been paid, the Death Benefit payable as a lump sum, shall be equal to Sum Assured on Death which is higher of:\nFor Regular/ Limited Pay\nIn case the below mentioned Option I is opted:\na) 10 times the Annualized Premium, or\nb) 105% of Total Premiums paid, or\nc) Premiums paid accumulated at an interest of 5% p.a. compounded annually, or\nd) Guaranteed Sum Assured on Maturity, or\ne) an absolute amount assured to be paid on death, which is equal to the Sum Assured* ... For Single Pay:\na) 1.25 times the Single Premium ,or\nb) 105% of Total Premiums paid, or\nc) Premiums paid accumulated at an interest of 5% p.a. compounded annually, or\nd) Guaranteed Sum Assured on Maturity, or\ne) An absolute amount assured to be paid on death, which is equal to the Sum Assured*. ... Upon the payment of the Death Benefit in case of death of the Life Assured during the Policy Term, the Policy terminates and no further Benefits are payable. ... Death Benefit – On death of the Life Assured during the Policy Term and provided all Premiums which have fallen due have been paid, the Death Benefit payable shall be equal to the accrued Guaranteed Additions plus Sum Assured on Death which is the highest of:","sources":[{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-2"},{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6957#c-1-2"}],"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":"Maturity benefit differs by plan option. Long Term Income pays Guaranteed Income for 25 or 30 years and returns total premiums at the end; Life Long Income pays Guaranteed Income from the year after policy term until age 99 and returns total premiums at the end; Guaranteed Income pays Guaranteed Income for 10 or 12 years; Guaranteed Maturity pays a lump sum equal to Sum Assured on Maturity plus accrued Guaranteed Additions.","display":"Guaranteed income or lump sum, depending on plan option","note":"Long Term Income, Life Long Income and Guaranteed Income also allow taking future payouts as a lump sum present value; Guaranteed Maturity is a lump sum maturity option.","quote":"Maturity Benefit will be paid as Guaranteed Income for the fixed term of 25 or 30 years starting from (Policy Term + 1)th year, in arrears* on payment of all due premiums. ... At the end of the Payout Period, the Policy terminates by returning the Total Premiums paid. ... Maturity Benefit will be paid as Guaranteed Income starting from (Policy Term + 1)th year till the individual attains age 99 years, in arrears on payment of all due premiums. ... At the end of the Payout Period, the Policy terminates by returning the Total Premiums paid. ... the Maturity Benefit payable shall be a lump sum amount equal to the Sum Assured on Maturity plus accrued Guaranteed Additions as mentioned in Appendix 3 below. ... Maturity Benefit will be paid as Guaranteed Income for the fixed term of 10 or 12 years starting from (Policy Term + 1)th year, in arrears on payment of all due premiums.","sources":[{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-2"},{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6955#c-1-2"},{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6957#c-1-2"},{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6966#c-1-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term varies by plan option. Across the product, Single Pay is available and limited/regular premium paying terms shown include 5, 6, 7, 8, 9, 10, 11, 12, 15 and 20 years depending on the plan option.","display":"Single Pay; 5 to 20 years depending on plan option","note":"Long Term Income shows PPT up to 12 years; Life Long Income also shows PPT up to 12 years; Guaranteed Income shows PPT up to 12 years; Guaranteed Maturity includes 12, 15 and 20 years.","quote":"Premium Payment Term (PPT),/ Policy Term (PT) | PPT Single Pay – Policy Term 5 to 15 years PPT 5 years – Policy Term 5 to 15 years PPT 6 years – Policy Term 6 to 15 years PPT 7 years – Policy Term 7 to 15 years PPT 8 years – Policy Term 8 to 15 years PPT 9 years – Policy Term 9 to 15 years PPT 10 years – Policy Term 10 to 15 years PPT 11 years – Policy Term 11 & 15 years PPT 12 years – Policy Term 12 & 15 years ... Premium Payment | Single Pay | 5 to 20 years\nTerm (PPT)/\n5/6/7/8/9/10 years | 10 to 30 years\nPolicy Term (PT\n12/15/20 years | Equal to PPT to 30 years ... Premium Payment Term (PPT)/ Policy Term (PT) | PPT Single Pay – Policy Term 5 to 20 PPT 5 – Policy Term 5 to 15 PPT 6 – Policy Term 6 to 15 PPT 7 years – Policy Term 7 to 15 PPT 8 years – Policy Term 8 to 15 PPT 9 years – Policy Term 9 to 15 PPT 10 years – Policy Term 10 to 20 PPT 11 years – Policy Term 11 to 20 PPT 12 years – Policy Term 12 to 20","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7181#c-your-policy-at-a-glance"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7187#c-your-policy-at-a-glance"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7252#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":"not-stated","value":null,"display":null,"note":"The provided clauses state policy terms and, for Life Long Income, payouts up to age 99, but do not state the maximum maturity age for buying the policy.","quote":null,"sources":[],"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 risk commencement or revival, the nominee or beneficiary gets at least 80% of total premiums paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: at least 80% of total premiums paid or surrender value, whichever is higher","note":null,"quote":"In case of death due to suicide within 12 months from the Risk Commencement Date under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":"1","heading":"Suicide Exclusions","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-5"}],"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 may surrender during the policy term. The surrender benefit is the higher of Guaranteed Surrender Value and Special Surrender Value; GSV is acquired immediately on payment of Single Premium and after at least first two years' premiums for Limited/Regular Premium policies, while SSV becomes payable after completion of the first policy year with one full year premium received or immediately after receipt of single premium.","display":"Higher of GSV and SSV; GSV immediately for Single Premium and after at least first two years’ premiums for Limited/Regular Premium","note":"For Guaranteed Maturity, the minimum GSV also includes surrender value of accrued Guaranteed Additions.","quote":"The Policyholder may surrender the policy during the Policy Term. The Surrender Benefit will be higher of GSV (Guaranteed Surrender Value) and SSV (Special Surrender Value).\n(1) Guaranteed Surrender Value (“GSV”)\na) The Policy will acquire a GSV immediately on the payment of Single Premium and upon the payment of at least first two years’ premiums in case of a Limited / Regular Premium Policy. ... (2) Special Surrender Value (“SSV”) SSV shall become payable after completion of first policy year provided one full year premium has been received. For single premium policies, SSV shall become payable immediately after receipt of single premium.","sources":[{"clause":"1","heading":"Surrender Value","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-3"}],"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 Limited/Regular Premium Pay policies, if premium remains unpaid after the grace period and the policy has not acquired a surrender value, it lapses and cover ceases. If it has acquired a surrender value, it becomes reduced paid-up and maturity and death benefit payouts are multiplied by the ratio of premiums paid to premiums payable.","display":"Reduced paid-up after grace period if surrender value acquired; benefits reduced by premiums paid / premiums payable","note":"For Guaranteed Maturity, no further Guaranteed Additions accrue after reduced paid-up; accrued Guaranteed Additions till that date remain attached.","quote":"For Limited / Regular Premium Pay Policy - If any due Premium is unpaid upon the expiry of the grace period and your Policy has not acquired a Surrender Value, your Policy’s status will be altered to lapsed status and the cover will cease. ... If any due Premium is unpaid upon the expiry of the grace period and your Policy has acquired a Surrender Value, your Policy’s status will be altered to reduced paid-up. ... Once the Policy becomes reduced paid-up, the maturity and death benefit payouts shall be computed by multiplying the death/maturity payouts as specified in Part C by the ratio of the Premiums paid to the Premiums payable under the Policy.","sources":[{"clause":"2","heading":"Lapsed Policies and Paid-Up policies","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-2-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued policy can be revived within five years from the due date of the first unpaid premium and before expiry of the policy term, subject to payment of due premiums and charges/late fee, continued insurability and underwriting requirements. The current revival interest rate is 9% p.a.","display":"Within five years from the due date of the first unpaid Premium","note":null,"quote":"Currently, the application for the revival should be made within five years from the due date of the first unpaid Premium and before the expiry of the Policy Term. The current rate of interest for revival is 9% p.a. ... Once the Policy is revived, you are entitled to receive all contractual Benefits.","sources":[{"clause":"3","heading":"Revival of the Policy","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-3-3"}],"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":"Policy loans are available during the policy term subject to company terms. The loan amount is subject to a maximum of 80% of surrender value, and the current loan interest rate is 9% p.a.; outstanding loan and interest are deducted before benefits are paid.","display":"Yes, up to 80% of surrender value; current interest rate 9% p.a.","note":null,"quote":"Policy loans will be available during the Policy Term subject to such terms and conditions as the Company may specify from time to time. Our current terms and conditions are stated below:\n• The loan amount will be subject to a maximum of 80% of the surrender value.\n• The current interest rate on loan is 9% p.a. ... Before any Benefits are paid out, loan outstanding together with the interest thereon will be deducted and the balance amount will be payable","sources":[{"clause":"6(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-6-a"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The documents include placeholders for rider details if opted, but do not name riders available for purchase.","quote":null,"sources":[],"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":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years, the policy may be questioned for fraud or for material misstatement/suppression with written communication of grounds and materials; if repudiation is for misstatement and not fraud, premium collected is paid within 90 days from repudiation.","display":"Cannot be called in question after 3 yrs; within 3 years only on stated grounds such as fraud or material misstatement","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after\nexpiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 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 or\nd) the date of rider to the policy whichever is later. ... Life insurance Policy can be called in question within 3 years on the ground that any\nstatement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which policy was issued or revived or rider issued. ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected\non policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be called in question on any ground whatsoever after","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-7"},{"clause":"2","heading":null,"page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-2-7"},{"clause":"6","heading":"Life insurance Policy can be called in question within 3 years on the ground that any","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-6-5"},{"clause":"7","heading":"In case repudiation is on ground of mis-statement and not on fraud, the premium collected","page":34,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-7-5"}],"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":"not-stated","value":null,"display":null,"note":"The policy clauses discuss taxes/levies and tax deduction from payments, but do not state tax benefits.","quote":null,"sources":[],"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","note":"Refund is subject to deduction of proportionate risk premium, medical examination expenses if any, and stamp duty charges.","quote":"the Policyholder has an option to return the Policy to the Company stating the reasons thereof, within 30 days from the date of receipt of the Policy whether received electronically or otherwise.","sources":[{"clause":"7","heading":"Free Look Cancellation","page":14,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-7-2"}],"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 for monthly; 30 days for quarterly/half-yearly/annual","note":"Not applicable for Single Premium; 30 days applies where premium is paid quarterly, half-yearly or annually.","quote":"Grace period is not applicable for Single Premium. The grace period of 15 days (where the premium is paid on a monthly basis) and 30 days (where the premium is paid in quarterly/half-yearly/annual basis) is available on the premium due date, to pay the premium. We will not accept part payment of the Premium. The policy is considered to be in-force with the risk cover during the grace period without any interruption as per the terms and conditions of the policy.","sources":[{"clause":"3","heading":"Payment and cessation of Premiums","page":10,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-3-2"}],"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":"not-stated","value":null,"display":null,"note":"The clauses provided include death benefit multiple tables by age, but do not expressly state minimum and maximum eligibility entry ages.","quote":null,"sources":[],"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":["Annual","Half-yearly","Quarterly","Monthly","Single"],"display":"Annual, Half-yearly, Quarterly, Monthly, Single","note":null,"quote":"Frequency of Premium Payment | << Annual/Half-yearly/ Quarterly/ Monthly/ Single>>","sources":[{"clause":null,"heading":"Policy Details","page":3,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-policy-details"}],"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":["Single Pay","Limited Pay","Regular Pay"],"display":"Single Pay; Limited Pay; Regular Pay","note":null,"quote":"For Regular/ Limited Pay ... For Single Pay: ... The Policy will acquire a GSV immediately on the payment of Single Premium and upon the payment of at least first two years’ premiums in case of a Limited / Regular Premium Policy.","sources":[{"clause":"1","heading":"Benefits","page":9,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-2"},{"clause":"1","heading":"Surrender Value","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952#c-1-3"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Sanchay Plus - 101N134V30 - Long Term Income Option - Policy Document","pages":34,"fetched_at":"2026-10-17 19:36:43+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-live/HDFC-Life-Sanchay-Plus-101N134V30-Long-Term-Income-Option-Policy-Document.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6952"},{"kind":"wording","label":"HDFC Life Sanchay Plus - 101N134V30 - Life Long Income Option - Policy Document","pages":34,"fetched_at":"2026-10-17 19:37:11+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-live/HDFC-Life-Sanchay-Plus-101N134V30-Life-Long-Income-Option-Policy-Document.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/6955"},{"kind":"wording","label":"HDFC Life Sanchay Plus - 101N134V30 - Guaranteed Maturity Option - 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101N134V25 - Life Long Income Option - Policy Document","pages":32,"fetched_at":"2026-10-17 19:50:35+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-withdrawn/HDFC-Life-Sanchay-Plus-101N134V25-Life-Long-Income-Option-Policy-Document.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7283"},{"kind":"wording","label":"HDFC Life Sanchay Plus - 101N134V25 - Guaranteed Maturity Option - Policy Document","pages":36,"fetched_at":"2026-10-17 19:50:39+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-withdrawn/HDFC-Life-Sanchay-Plus-101N134V25-Guaranteed-Maturity-Option-Policy-Document.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7284"},{"kind":"wording","label":"HDFC Life Sanchay Plus - 101N134V25 - 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Non Linked","pages":23,"fetched_at":"2026-10-17 19:44:53+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/brochure-documents-pdfs/rider-live/hdfc-life-livewell-rider-non-linked-brochure.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30/document/7161"}],"versions":[{"uin":"101N134V25","version":null,"approved_on":null},{"uin":"101N134V30","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 Sanchay Plus (UIN 101N134V30), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-sanchay-plus-101n134v30"}