HDFC Life Insurance - Sampoorn Nivesh Plus - Equity Plus Fund

NAV on (08 May 2026)

32.5154

About Plan

HDFC Life Sampoorn Nivesh Plus, a unique insurance cum investment plan designed specifically with multiple fund options so as to help you optimize your investment. Furthermore, it also provides you with varied benefit options to meet your protection needs.

Features

Flexibility to choose your investment term from 10 to 35 years for Single Pay, and (85 minus Age at Entry) for Limited/ Regular Pay for Fixed Term, subject to Maximum Age at Maturity for the chosen Death Benefit Option and investment term up to (99-Age at Entry) for Whole of Life Option
Customize your premium payment options Single, Limited or Regular
Choice of 5 Benefit Options to suit your financial requirements
Option of Accidental Death Benefit with Classic Benefit (Extra Life Option)
Loyalty additions to enhance your fund value after 10 years
Reduced premium allocation charge on investing higher premium amount2
Choose from a range of 11 fund options. This plan is available with limited underwriting
norms with a Short Medical Questionnaire (SMQ) if the conditions are met. Otherwise, the
plan will be offered through full underwriting.

Benefits

Classic Benefit (Life Option)
Classic Benefit (Extra Life Option)
Classic Plus Benefit
Classic Waiver Benefit
Classic Waiver Plus Benefit

Entry Age Details

Minimum Age at Entry
Classic Benefit (Life Option) - 0 years (30 days)
Classic Benefit (Extra Life Option) - 18 years
Classic Plus Benefit - 0 years (30 days)
Classic Waiver Benefit - 18 years
Classic Waiver Plus Benefit - 18 years
Maximum Age at Entry
Classic Benefit (Life Option) - 56 years 65 years
Classic Benefit (Extra Life Option) - 53 years 58 years
Classic Plus Benefit - 48 years 50 years
Classic Waiver Benefit 49 years - 52 years
Classic Waiver Plus Benefit - 50 years

Maturity Age Details

Minimum Maturity Age: years. Maximum Maturity Age depends on the Premium Payment Term(PPT)

Policy Term

1. Fixed Term: 10 to 35 years for Single Pay (85 minus Age at Entry) for Limited/Regular Pay (Subject to Maximum Age at Maturity for the chosen Death Benefit Option)
2. Whole of Life Option (Under Classic and Classic Plus Options): 99- Age at Entry

Premium Payment Term

Single , Limited, Regular
5 to (Policy Term - 1) years

Premium Details

Minimum

Single: Rs. 12,000
Annual: Rs. 12,000
Half-yearly: Rs 6,000
Quarterly: Rs 3,000
Monthly: Rs 1,000
Maximum
No limit

Sum Assured Details

Sum Assured - Single Premium
All Benefit Options exceptClassic Waiver and Classic Waiver Plus Benefit Options
Minimum
Entry Age less than 50 years - 1.25 times the Single Premium or Top-up premium
Entry Age equal to 50 years and above - 1.10 times the Single Premium or Top-up premium
Maximum - There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).
Sum Assured - Regular & Limited Premium
Classic Waiver Plus Benefit
Entry Age - 18 to 49 years - 7x annualized premium
Entry Age - 50 years - 5x annualized premium
Maximum - There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).

Death Benefits

In case of the Life Assureds unfortunate demise, we will pay to the nominee the highest of
the following:

Sum Assured less all partial withdrawals (as defined below) plus any additional Sum
Assured in respect of Top-ups
Fund Value,
105% of total premium(s) paid
The partial withdrawals to be deducted from the death benefit shall be:
All partial withdrawals (except from the top-up fund value) made during the two year
period immediately preceding the death of the Life Assured
For a reduced paid-up policy, the death benefit shall be the highest of:
Paid up Sum Assured (less partial withdrawals as specified above) plus any additional Sum
Assured in respect of Top-ups
Fund value
105% of total premiums paid

Partial Withdrawal

We understand that you may need money to meet any future financial emergencies. You
can withdraw money from your funds to meet such needs.
1. You can make lump sum partial withdrawals from your funds after 5 years of your policy
provided:
Life Assured being at least 18 years of age.
In the case of child policies, Partial Withdrawals shall not be allowed until the minor life insured attains majority i.e., on or after attainment of age 18.
Top-up premiums once paid cannot be withdrawn from the fund for a period of 5 years from the date of payment of the Top-up premium, except in case of complete surrender of the policy.

Partial withdrawals made shall be allowed from the fund built up from the to group premiums, if any, as long as such fund supports the partial withdrawal and subsequently, the partial withdrawals may be allowed from the fund built up from the base premium. The insurer shall have the necessary systems built to identify the funds from the base premiums and funds from top-up premiums.

The Partial Withdrawals shall not be allowed which would result in termination of a
contract.
The Partial Withdrawal amount is not less than the minimum amount specified in the
Policy Schedule.
The Unit Fund Value after the Partial Withdrawal, less the Partial Withdrawal Charge
and any applicable taxes and statutory levies, if any, is not less than the 150% of
annualized Premium.
For single premium policies, the maximum amount of partial withdrawals that can be done throughout the policy term from the basic fund value is 50% of the single premium.
For other than single premium policies, the maximum amount of partial withdrawals
that can be done throughout the Policy Term from the basic Fund Value is 300% of the
annualized Premium.
In case the policy is opted with minimum death benefit as stipulated in clause 3 of
Schedule I of IRDAI (Insurance Products) Regulations, 2024, the sum assured payable
on death shall not be reduced except to the extent of the partial withdrawals made during the two-year period immediately preceding the death of the life assured.

Returns (as on 08-May-2026)

Period	Absolute (%)	Annualised (%)
1 Week	0.7	0
1 Month	0.5	7.4
3 Months	-6.1	-22.4
6 Months	-4.8	-9.5
1 Year	0	0
2 Years	0	0
3 Years	0	0
5 Years	0	0

NAV Chart

Historic Graph:

From

52-week High

₹35.4253

02-Jan-2026

52-week Low

₹30.0943

31-Mar-2026

Claim & Solvency Ratio

Claim Ratio	Solvency Ratio
100% (2023-24)	2% (March 2024)

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Frequently Asked Questions About Insurance

Health

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What is health insurance? +

Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It may also provide coverage for other types of health-related costs, such as prescription drugs, mental health services, and preventive care.

Why do I need health insurance? +

Health insurance helps protect you from high medical costs. It provides access to medical care when you need it, helping to pay for doctor visits, hospital stays, surgeries, prescription medications, and other health-related services.

What is a premium? +

A premium is the amount you pay for your health insurance every month. Depending on your plan, the premium may vary based on factors like age, location, and level of coverage.

What is a deductible? +

A deductible is the amount of money you must pay out-of-pocket before your health insurance starts covering your medical expenses. For example, if you have a deductible of $1,000, you must pay $1,000 out-of-pocket before your insurance starts covering your medical bills.

What are copayments and coinsurance? +

Copayment (copay): A fixed amount you pay for a covered health care service, typically when you get the service. Coinsurance: The percentage of the cost you pay for covered health services after you've paid your deductible. For example, if your coinsurance is 20%, you pay 20% of the bill, and the insurance company pays the remaining 80%.

What is an out-of-pocket maximum? +

The out-of-pocket maximum is the maximum amount you can spend on your health insurance. If you exceed this amount, your insurance company will pay 100% of your medical expenses.

What is the difference between in-network and out-of-network providers? +

In-network providers: Health care providers that have a contract with your health insurance plan to provide services at negotiated rates. Out-of-network providers: Providers that don't have a contract with your insurance plan. Services from these providers may cost more or not be covered at all.

What is a Special Enrollment Period (SEP)? +

The Special Enrollment Period (SEP) is a special time during the year when you can sign up for or make changes to your health insurance plan. If you miss this period, you may have to wait until the next one unless you qualify for a Special Enrollment Period (e.g., due to a life event like marriage or having a baby).

Can I keep my doctor with health insurance? +

If you have a preferred doctor, it’s important to check if they are in-network with your insurance plan. If they are not in-network, you may need to pay more out-of-pocket, or you may have to switch to another doctor who is in-network.

What is a Health Savings Account (HSA)? +

A tax-advantaged account for people with high-deductible health plans (HDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Flexible Spending Account (FSA)? +

A tax-advantaged account for people with low-deductible health plans (LDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Health Maintenance Organization (HMO)? +

An HMO is a type of health insurance plan that requires you to choose a primary care physician (PCP) and get referrals from them to see specialists. HMOs often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers.

What is a Preferred Provider Organization (PPO)? +

A PPO is a health insurance plan that offers more flexibility in choosing healthcare providers and doesn’t require referrals to see specialists. You can see any doctor, but you’ll pay less if you use in-network providers.

What is the difference between a Health Savings Account (HSA) and a Flexible Spending Account (FSA)? +

HSA: A tax-advantaged account for people with high-deductible health plans (HDHPs) The funds roll over from year to year and can be used for qualifying medical expenses. FSA: A tax-advantaged account for people with low-deductible health plans (LDHPs) The funds roll over from year to year and can be used for qualifying medical expenses.

What does the term "pre-existing condition" mean? +

A pre-existing condition is a medical condition that you had before you got your health insurance. It could include things like diabetes, high blood pressure, or heart disease.

Can I cancel my health insurance at any time? +

Yes, you can cancel your health insurance plan at any time. However, if you cancel outside the open enrollment period, you may not be able to get another plan until the next enrollment period unless you qualify for a Special Enrollment Period.

Are prescription drugs covered by health insurance? +

Many health insurance plans cover prescription medications, but the coverage may vary. Plans typically have a formulary, or list of covered drugs, and different drugs may have different levels of coverage, depending on whether they are generic, brand-name, or specialty drugs.

What is preventive care? +

Preventive care includes health services that help prevent illnesses, such as vaccinations, screenings, and annual checkups. Under the Affordable Care Act, most preventive services are covered by health insurance plans at no additional cost to the policyholder.

What should I do if my health insurance claim is denied? +

If your claim is denied, you can appeal the decision. Review the denial letter for reasons, contact your insurer for assistance, and file a written request for a hearing. If you win the appeal, you may be able to get a refund or other compensation.

How can I choose the best health insurance plan for me? +

When selecting a plan, consider factors like: Your health care needs (e.g., frequent visits, prescriptions) The plan’s network of doctors and hospitals The cost of premiums, deductibles, copays, and out-of-pocket maximums Coverage for specialized care or treatments Compare the different plans and benefits to find one that meets your needs.

What happens if I don't have health insurance? +

If you don’t have health insurance, you can still access some health care services, such as emergency care, in-network doctors, and in-network hospitals. You may be eligible for Medicaid, which provides some health care services at no cost to you.

What is life insurance? +

Life insurance is a contract between you and an insurance company, where you pay regular premiums in exchange for a lump sum payment (death benefit) to your beneficiaries upon your death.

What are the different types of life insurance? +

Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). If you pass away during this term, your beneficiaries receive the death benefit. It does not build cash value. Whole Life Insurance: Offers lifetime coverage with a death benefit and also builds cash value over time, which you can borrow against or use. Universal Life Insurance: A flexible policy that allows you to adjust the premiums and death benefit while also building cash value.

How much life insurance coverage do I need? +

The amount of coverage you need depends on factors like your income, debts, family needs, and long-term financial goals. A common rule is to have coverage worth 10 to 15 times your annual income, but this can vary based on your individual situation.

What is the difference between beneficiaries and policyholders? +

The policyholder is the person who owns the life insurance policy and pays the premiums, while the beneficiary is the person or group that receives the death benefit when the policyholder passes away.

Can I change my beneficiaries? +

Yes, you can change your beneficiaries at any time during the life of the policy, as long as the policy is in force and you follow the correct procedure with the insurance company.

What is the contestability period? +

The contestability period is the time during which you have the right to contest the decision of the insurer to pay the death benefit. This period varies depending on the type of life insurance policy and the insurer.

Does life insurance cover accidental death? +

Some life insurance policies include accidental death coverage, while others may require a separate rider for this benefit. Be sure to review your policy to understand what’s covered.

Can I cancel my life insurance policy at any time? +

Yes, you can cancel your life insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is cash value? +

Cash value is the accumulated value of the life insurance policy that can be used to pay for expenses, such as medical bills or funeral expenses.

How do I borrow against cash value? +

You can borrow against the cash value of your life insurance policy, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What is the difference between whole life and universal life insurance? +

Whole life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and builds cash value over time. Universal life insurance offers lifetime coverage with a death benefit and also builds cash value over time.

How are life insurance premiums determined? +

Life insurance premiums are based on factors like age, health, lifestyle (e.g., smoking), coverage amount, and type of policy. Generally, younger, healthier individuals pay lower premiums.

Can I borrow money from my life insurance policy? +

If you have a whole life or universal life policy, it may build cash value over time. You can borrow against this cash value, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What happens if I stop paying my life insurance premiums? +

If you stop paying premiums, your policy may lapse. For permanent policies like whole or universal life, the cash value may cover the premiums for a time, but eventually, if premiums are not paid, the policy will end.

What is auto insurance? +

Auto insurance is a contract between you and an insurance company that provides financial protection against damage or injury caused by accidents, theft, or other incidents involving your vehicle. It covers both liability and your vehicle's repair costs depending on the type of policy.

What types of auto insurance coverage are available? +

There are several types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and additional coverage like roadside assistance and collision damage waiver.

How much auto insurance do I need? +

The amount of coverage you need depends on factors such as the value of your car, your driving habits, your state's legal requirements, and whether you own or lease your vehicle. A good starting point is to meet your state's minimum required coverage, but you may want additional coverage for added protection.

Can I cancel my auto insurance policy at any time? +

Yes, you can cancel your auto insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between liability and comprehensive coverage? +

Liability coverage covers the damages and injuries caused by accidents, while comprehensive coverage also covers non-accident damages, such as theft or vandalism.

How do I choose the right auto insurance policy? +

When selecting an auto insurance policy, consider factors such as the type of coverage you need, your driving habits, the value of your vehicle, and your state's legal requirements.

What factors affect my auto insurance premium? +

Several factors impact your insurance premium, including: Your driving history (accidents, tickets), The make, model, and age of your car, Your location (accident rates in your area), Your age, gender, and marital status, The level of coverage you choose, Your credit score (in some states).

What is a deductible? +

A deductible is the amount you must pay out of pocket before your insurance policy starts to cover the remaining cost of repairs or claims. For example, if you have a $500 deductible and incur $2,000 in damages, you will pay $500, and your insurer will pay the remaining $1,500.

What is the difference between comprehensive and collision coverage? +

Collision coverage pays for repairs to your vehicle after a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage covers non-collision incidents, such as theft, vandalism, or damage from natural disasters.

Can I get uninsured/underinsured motorist coverage? +

Yes, uninsured/underinsured motorist coverage is available in some states. This coverage provides financial protection for you if another driver is uninsured or underinsured.

Is auto insurance required by law? +

Yes, in most states, you are required to have a minimum level of liability insurance. Some states also require additional coverage like Personal Injury Protection (PIP) or uninsured motorist coverage. The requirements vary by state, so it’s important to check your local laws.

What happens if I don’t have auto insurance? +

If you drive without insurance, you risk facing legal penalties, fines, and the possibility of your driver's license being suspended. If you're involved in an accident, you could be held responsible for the damages.

Can I add other drivers to my auto insurance policy? +

Yes, you can add other drivers, such as family members or friends, to your policy. However, their driving record and age may affect your premium. It's important to inform your insurer about all the drivers in your household.

What should I do if I get into an accident? +

If you're in an accident, follow these steps: Ensure safety by moving to a safe location if possible. Call the police and file a report. Exchange contact and insurance information with the other driver(s). Take photos of the accident scene, vehicle damage, and injuries. Notify your insurance company about the accident as soon as possible.

What is home insurance? +

Home insurance is a contract between you and an insurance company that provides financial protection against damage or loss caused by natural disasters, theft, or other incidents.

What types of home insurance coverage are available? +

There are several types of home insurance coverage, including flood, fire, burglary, and liability. You may also have coverage for water damage, mold, and other property damage.

How much home insurance do I need? +

The amount of home insurance coverage you need depends on the value of your property, the type of coverage you want, and your insurance provider. You may also need additional coverage for water damage, mold, and other property damage.

Can I cancel my home insurance policy at any time? +

Yes, you can cancel your home insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between flood and fire coverage? +

Flood coverage covers damage caused by floods, while fire coverage covers damage caused by fires.

How do I choose the right home insurance policy? +

When selecting home insurance, consider factors such as the type of coverage you need, the value of your property, and your insurance provider.

What factors affect my home insurance premium? +

Factors such as the type of coverage you need, the value of your property, and your insurance provider can significantly impact your premium.