HDFC Sampoorn Samridhi Plan

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HDFC Life Sampoorn Samridhi Insurance Plan



HDFC Life Sampoorn Samridhi Insurance Plan is a simple traditional plan which has 2 unique options of Enhanced Cash and Enhanced Life Cover. Thus, if the policyholder opts for Enhanced Cash Option, he would get the usual Maturity Benefits along with additional Bonus and if he opts for Enhanced Life Cover, then he would get life protection till 99 years of age. Hence the second option is a whole life cum endowment plan. However, if the life insured dies within the policy term, then the Sum Assured along Bonus accumulated till then would be paid to the nominee. This plan also has additional Accidental Death Benefit.


Key Features of HDFC Life Sampoorn Samridhi Insurance Plan


  • It is an Endowment Plan with choice of Maturity Options
  • Offers High Sum Assured discount for policies with more than Rs 5 Lakhs Sum Assured
  • Accidental Death Benefit is in built with the policy 



Benefits you get from HDFC Life Sampoorn Samridhi Insurance Plan


Death Benefit – In case of death of the life insured, the nominee gets the sum assured and bonus accrued till death under the plan. In case of accidental death, additional sum assured will be paid.


Maturity Benefit – There is a choice:

1.     Enhanced Cash Option- Sum Assured + Reversionary Bonus + any Interim Bonus + any Terminal Bonus + Enhanced Terminal Bonus.

2.     Enhanced Cover Option- Sum Assured + Reversionary Bonus + any Interim Bonus + any Terminal Bonus + Additional Sum Assured payable on Death of Life Insured upto the age of 99 years.


Income Tax Benefit - Life Insurance premiums paid up to Rs. 1,00,000 are allowed as a deduction from the taxable income each year under section 80C



Eligibility conditions and other restrictions in HDFC Life Sampoorn Samridhi Insurance Plan






Sum Assured (in Rs.)

As per premium multiplier opted

Policy Term (in years)



Premium Payment Term (in years)

Equal to policy term

Equal to policy term

Entry Age of Policyholder



Age at Maturity



Single premium (in Rs.)



Payment modes

Yearly, Half-Yearly, Quarterly and Monthly


 Compare Endowment Plans

Sample illustration of premium amount in HDFC Life Sampoorn Samridhi Insurance Plan


The below graph shows indicative premiums for Ages 30 yrs and 40 yrs with Policy Term (PT) of 10 and 20 years.


 HDFC Life Sampoorn Samridhi Insurance Plan Sample Illustration



Additional Features and Benefits of HDFC Life Sampoorn Samridhi Insurance Plan


Riders – No riders are available in this policy



What happens if?


You stop paying the premium - If the policy holder stops paying the premium, then all benefits of the policy will cease after the expiry of the grace period from the due date of the first unpaid premium. You can re-instate the policy within 3 years of lapsation by paying up all due premiums with interest.


You want to surrender the policy – This plan can be surrendered after completion of 3 policy years.

The Guaranteed Surrender Value including the value of attached Bonus would be 50% of all premiums paid excluding the first year’s premium and additional premiums paid.


You want a loan against your policy – Loan facility is not available under this policy.



Alternate endowment plans from different insurance companies


LIC Jeevan Anand

Tata AIG Life Maha Guarantee Flexi

IndiaFirst Secure Save Plan



Other Endowment insurance plans from HDFC Life Insurance


HDFC Life Endowment Assurance Plan

HDFC Life Assurance Plan

HDFC Life Savings Assurance Plan

HDFC Life Endowment Gain Plan

HDFC Life Classic Assure Plan

Compare Endowment Plans

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