Click 2 Protect Life, an intelligent term plan that provides benefits as per your altering lifestyle and life stage needs and helps you stay truly protected.
Features:
Option to choose a cover which fits your needs from 3 plan options
Auto balances Death and Critical Illness benefits with increasing age6
Get income payouts from age 60 onwards under Income Plus Option
A life and health insurance plan that gives your family all-round protection
Features:
5% discount* on total premium on purchase
Customize your plan with a choice of 9 plan options
Whole life long protection option
Flexibility to choose premium pay terms
* Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.
It is a participating life insurance plan that provides an option to avail cover for whole of life (till the age 100 years) and helps generate a regular income and build a corpus to achieve the planned goals.
Features:
Life cover with protection up to age 100 years
Choose between Immediate Income or Deferred Income options as per your needs
Flexibility to choose survival benefit payout date
In this policy, the investment risk in the investment portfolio is borne by the policyholder.
HDFC Life Click 2 Wealth
A Unit Linked, Non Participating, Life Insurance plan that offers market linked returns, charges minimally, provides valuable financial protection for you and your family
Features:
Choice of 10 fund options with unlimited free switching
Three plan options to choose from
Systematic Transfer plan strategy for advantage of Rupee Cost Averaging
Premium waiver benefit that protects the future of your loved one in your absence
HDFC Life Saral Pension Plan is a non-linked traditional annuity plan that offers you basic annuity options and provides you an opportunity to live life on your terms.
Features:
Single & Joint Life annuity options to cater to your needs
Option to receive annuity monthly, quarterly, half-yearly or yearly
Benefit of higher annuity rates for large purchase price.
"HDFC Life Assured Pension Plan – ULIP" is a Unit Linked Plan that offers you market linked returns, with Loyalty additions and helps you achieve your retirement goals by planning well in advance.
A life and health insurance plan that gives your family all-round protection
Features:
5% discount* on total premium on purchase
Customize your plan with a choice of 9 plan options
Whole life long protection option
Flexibility to choose premium pay terms
* Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.
A plan which provides financial protection in case you are diagnosed with a cardiac condition or are undergoing a procedure as covered under the policy
5 quick and easy steps towards a protected and prosperous future.
Economical
Buying an insurance policy online is more cost effective than an offline purchase.
Minimum Paperwork
Policy issued with minimum paperwork.
Transparent
All charges are shown upfront with no hidden costs.
Understand Your Insurance Needs
Understand Your Insurance Needs
Different insurance plans address different needs.Depending on your life stage and goals, select the plan which helps you achieve the same.
Determine Your Coverage Amount
Determine Your Coverage Amount
Your coverage amount should be dependent on your future financial needs as well as account for inflation. What may seem enough now, may not be sufficient.
Earlier You Start The Better
Earlier You Start The Better
Age is one of the primary factors for premium calculation. So younger you are, lesser the premium. Start early and secure a low-cost cover for long term.
Know Your T&Cs
Know Your T&Cs
Most of the insurance plans have certain terms under which the benefits are withheld. Read the product brochure carefully before buying and know the exclusions.
Be Truthful
Be Truthful
Ensure the details provided by you while buying the policy are true. Providing incomplete or false information can lead to claim rejection and thus beating the core objective of being insured.
Buy Online
Buy Online
Purchasing your policy online is fast and convenient. Since you avoid the intermediaries, this is often a cheaper mode of purchase.
Bereavement & illness can drain you physically, emotionally and financially. At HDFC Life, we are fully committed to be with you in the moment of need through a quicker, simpler and an efficient claims settlement process.
*Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2020-21
1-Day Claim Settlement is available for the following
Cumulative claim amount on all policies up to ₹ 2 crores
1 day claim settlement is exclusively available for policies bought online
Claim does not require field investigation
All requisite documents# submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day
HDFC Life will pay an interest^ on your death claim amount of every day of delay beyond one working day
T&C Apply 1) For all claims* fulfilling above mentioned condition, provided we receive all the documents, the claim will be within one working day and decision will be communicated accordingly. 2) Investigation/ Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of the event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day) ^Interest rate would be at 6.25% per annum.
#Documentation Details Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is a minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes. Inquest report, First/Final Information report, Viscera/Chemical Analysis report
Claim Settlement Ratio
(Percentage and average claim settlement time)
2020-21
Average claim settlement time: 5 days
98.01%
2019-20
Average claim settlement time: 4 days
99.07%
2018-19
Average claim settlement time: 4 days
99.03%
2017-18
Average claim settlement time: 5 days
97.8%
2016-17
Average claim settlement time: 5 days
97.62%
Customer Speak
Team were polite and quick to follow up and get the work done, causing minimal hassle
Abhishek Ghosh March 10th, 2021
The response was fast and the request got completed within one day.
Rajesh Kumar February 27th, 2021
The customer support executives communications were clear and to the point without forcing unnecessary details. All other email communications were also on time and user friendly.
Ariprasath Ponnurangam January 24th, 2021
The process was easy and notification and intimation of each step was done perfectly
Aravind Satheesh October 20th, 2020
My experience with HDFC life was very good. People are very helpful.
HDFC Life is one of the leading life insurance companies in India
that offers a range of individual and group insurance solutions that meet various needs such as Protection, Pension, Savings & Investment, Health, Child and Women's plans
HDFC Life saw 18% growth in overall new business premium collection. Sanjay Tripathy, Senior EVP, HDFC Life, among new channels, the online channel contributed 50% in individual Business.
HDFC Life, India’s leading private Life Insurance Company, conducted a survey of the current state financial freedom in India, which also captured the current state of health planning among Indian consumers.
HDFC Standard Life Signs Up Indiabulls Housing Finance as Corporate Agency
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'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_GPP_H_N_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_GPP_H_P_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_GPP_OP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_GPP_AP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_GPP_NP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '21,724', 'alt': None, 'blue-header': 'Guaranteed Pension Plan', 'heading-two': 'A retirement plan designed to help you build and secure your fund to enjoy the post retirement income.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 82}}, {'slug': 'single-plan-details-card-v2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: New Immediate Annuity Plan', 'data': {'related-videos-button-text': 'Related Videos', 'heading-one': 'HDFC Life New Immediate Annuity Plan', 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'know-more-button-link': '/retirement-and-pension-plans/new-immediate-annuity-plan', 'icon_url': None, 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/PP02201810980%20HDFC%20Life%20New%20Immediate%20Annuity%20-%20Individual_Retail_Brochure.pdf', 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2: New Immediate Annuity Plan', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Lifelong assured income', 'title': '', 'link': ''}, {'text': 'Choose from various annuity options', 'title': '', 'link': ''}, {'text': 'Avail death benefit on certain options', 'title': '', 'link': ''}, {'text': 'Avail tax benefit', 'title': '', 'link': ''}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '21,993', 'red-header': 'HDFC Life', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': 'https://www.youtube.com/watch?v=sce9fl_B850', 'alt': None, 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_NIA_H_I_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_NIA_H_N_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_NIA_H_P_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_NIA_OP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_NIA_AP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_NIA_NP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'heading-two': 'A smart plan that ensures a regular income post-retirement.', 'buying-guide-button-text': 'Customer Assistance Guide', 'blue-header': 'New Immediate Annuity Plan', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/new-immediate-annuity-plan?source=NW_NIA_HP_All_Plans&agentcode=00399206'}}, {'slug': 'single-plan-details-card-v2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'disclaimer']}, 'template_url': 'brandsite-home-theme-two/widgets/single_plan_detail_card.tpl.html', 'label': 'single plan details card v2 Assured pension plan', 'data': {'related-videos-button-text': None, 'heading-one': 'HDFC Life Assured Pension Plan – ULIP', 'calculate-premium-button-text': None, 'know-more-button-link': 'https://www.hdfclife.com/retirement-and-pension-plans/assured-pension-plan', 'icon_url': None, 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/HDFC%20Life%20Assured%20Pension%20Plan_Retail%20Brochure_dec_2109.pdf', 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2 Assured pension plan', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Option to start as early as 18 years', 'title': '', 'link': ''}, {'text': 'Lower vesting/maturity age of 45 years', 'title': '', 'link': ''}, {'text': 'Limited Pay & Single Pay', 'title': '', 'link': ''}, {'text': 'Tax Benefits under Section 80C and Sec 10(10D)', 'title': '', 'link': ''}]}, 'know-more-button-text': 'Know More', 'family-secured-count': None, 'disclaimer': None, 'red-header': 'HDFC Life', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': None, 'alt': None, 'page-query-param': {'label': 'page query param', 'content': []}, 'heading-two': '"HDFC Life Assured Pension Plan – ULIP" is a Unit Linked Plan that offers you market linked returns, with Loyalty additions and helps you achieve your retirement goals by planning well in advance.', 'buying-guide-button-text': 'Customer assistance guide', 'blue-header': 'Assured Pension Plan – ULIP', 'calculate-premium-button-link': None}}]}}, {'slug': 'plan-information-plan-list-v2', 'id': 'Ud8G4HikGmUQOpN', 'type': 'plan_list', 'fields': {'textfield': ['heading-one', 'heading-two', 'redirect-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'plan information plan list v2: health', 'data': {'heading-one': 'HEALTH', 'alt': 'Health Insurance Plans', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/Health.png', 'redirect-link': '/health-insurance-plans', 'heading-two': 'PLANS', 'label': 'plan information plan list v2: health', 'content': [{'slug': 'single-plan-details-card-v2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'blue-header', 'red-header', 'tc']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2- Click 2 Protect Health (Term Plans)', 'data': {'related-videos-button-text': 'Related Videos', 'heading-one': 'Click 2 Protect Health', 'family-secured-count': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'know-more-button-link': '/term-and-health-insurance-plans/click-2-protect-health-plan', 'icon_url': None, 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2- Click 2 Protect Health (Term Plans)', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': '5% discount* on total premium on purchase', 'title': '', 'link': ''}, {'text': 'Customize your plan with a choice of 9 plan options', 'title': '', 'link': ''}, {'text': 'Whole life long protection option', 'title': '', 'link': ''}, {'text': 'Flexibility to choose premium pay terms', 'title': '', 'link': ''}]}, 'know-more-button-text': 'Know More', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC08201710198%20Click%202%20Protect%20Health_Apollo%20Munich_Retail_Brochure.pdf', 'tc': '* Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': 'https://www.youtube.com/watch?v=Z3s0iLPsi4A', 'alt': None, 'blue-header': 'Click 2 Protect Health', 'heading-two': 'A life and health insurance plan that gives your family all-round protection', 'buying-guide-button-text': 'Customer Assistance Guide', 'page-query-param': {'label': 'page query param', 'content': []}, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-health/calculate-premium?source=NW_C2PHR_PP_CALC&agentcode=00399206'}}, {'slug': 'single-plan-details-card-v2', 'id': 'Xsia4qEqrHFos7H', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'red-header', 'blue-header']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Cancer Care - Health (Individual)', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Cancer Care - Health (Individual)', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Lumpsum benefit plan', 'title': '', 'link': ''}, {'text': '3 plan options available', 'title': '', 'link': ''}, {'text': 'No medicals required', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 D', 'title': '', 'link': ''}]}, 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'know-more-button-text': 'KNOW MORE', 'family-secured-count': '1,66,486', 'alt': None, 'blue-header': 'Cancer Care', 'heading-two': 'A Comprehensive Cancer Care plan that offers lump sum benefit on diagnosis of Early Stage and Major Cancer.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 80}}, {'slug': 'single-plan-details-card-v2', 'id': 'bUItJ2bvR9dzMB2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'red-header', 'blue-header']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Easy Health - Health - Individual', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Easy Health - Health - Individual', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Fixed benefit health insurance', 'title': '', 'link': ''}, {'text': 'Lumpsum on 18 Critical Illnesses', 'title': '', 'link': ''}, {'text': 'Lumpsum on 138 surgical procedures', 'title': '', 'link': ''}, {'text': 'Daily hospital cash benefit', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=rrYHHL1IoPM', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/easy-health-plan/CalculatePremium?source=NW_EAH_HP_All_Plans&agentcode=00399206', 'name': 'HDFC Life Easy Health', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179913%20HDFC%20Life%20Easy%20Health_Retail_Brochure.pdf', 'heading-one': 'HDFC Life Easy Health', 'know-more-button-link': '/health-insurance-plans/easy-health', 'red-header': None, 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_EAH_H_I_PRD_HP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=health-plans&utm_content=products&prod=EAH', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '16,629', 'alt': None, 'blue-header': 'Easy Health', 'heading-two': 'A health insurance that helps you bounce back to health post hospitalization,surgery or critical illness.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 5}}, {'slug': 'single-plan-details-card-v2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'red-header', 'blue-header']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Cardiac care (individual)', 'data': {'related-videos-button-text': 'Related Videos', 'heading-one': 'HDFC Life Cardiac Care', 'family-secured-count': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'know-more-button-link': '/health-insurance-plans/cardiac-care', 'icon_url': None, 'red-header': None, 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2: Cardiac care (individual)', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Fixed lump sum payout', 'title': '', 'link': ''}, {'text': 'Option to choose Indexation benefit', 'title': '', 'link': ''}, {'text': 'Tax benefits under Section 80D', 'title': '', 'link': ''}, {'text': 'Multiple Claims of different conditions', 'title': '', 'link': ''}]}, 'know-more-button-text': 'KNOW MORE', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC12201710686%20HDFC%20Life%20Cardiac%20Care_Retail_Brochure.pdf', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': 'https://www.youtube.com/watch?v=r9tKQdWFT4s', 'alt': None, 'blue-header': 'Cardiac Care', 'heading-two': 'A plan which provides financial protection in case you are diagnosed with a cardiac condition or are undergoing a procedure as covered under the policy', 'buying-guide-button-text': 'Customer Assistance Guide', 'page-query-param': {'label': 'page query param', 'content': []}, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/cardiac-care-plan/CalculatePremium?source=NW_CRDCP_HP_All_Plans&agentcode=00399206'}}]}}, {'slug': 'plan-information-plan-list-v2', 'id': 'mITZov2TD4T3LS4', 'type': 'plan_list', 'fields': {'textfield': ['heading-one', 'heading-two', 'redirect-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'plan information plan list v2: child', 'data': {'heading-one': 'CHILD', 'alt': 'Child Plans', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/Child.png', 'redirect-link': '/children-insurance-plans', 'heading-two': 'PLANS', 'label': 'plan information plan list v2: child', 'content': [{'slug': 'single-plan-details-card-v2', 'id': 'zHVQoyXaGt5de23', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Youngstar Udaan', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Youngstar Udaan', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Participating Child Insurance Plan', 'title': '', 'link': ''}, {'text': '3 Maturity benefits options', 'title': '', 'link': ''}, {'text': '2 death benefit options to choose from', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 C & 10 (10D)', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=xLlTtXmuiIg', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-child-insurance-plans/youngstar-udaan?source=NW_YUD_HP_All_Plans&agentcode=00399206', 'name': 'HDFC Life YoungStar Udaan', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179915%20HDFC%20Life%20YoungStar%20Udaan_Retail_Brochure.pdf', 'heading-one': 'HDFC Life SL YoungStar Udaan', 'know-more-button-link': '/children-insurance-plans/youngstar-udaan', 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_YUD_H_I_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_YUD_H_N_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_YUD_H_P_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_YUD_OP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_YUD_AP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_YUD_NP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '47,373', 'alt': None, 'blue-header': 'SL YoungStar Udaan', 'heading-two': 'A plan that helps you empower your child’s dreams and live the rest of your life as the proud parents you deserve to be.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 87}}, {'slug': 'single-plan-details-card-v2', 'id': 'eUUuegIGRQkaqmj', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Youngstar Super Premium', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Youngstar Super Premium', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Unit-linked Insurance Plan', 'title': '', 'link': ''}, {'text': '4 fund options available', 'title': '', 'link': ''}, {'text': 'Flexibility on sum assured', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 C & 10 (10D)', 'title': '', 'link': ''}]}, 'related-videos-button-link': None, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-child-insurance-plans/youngstar-super-premium?source=NW_YSP_HP_All_Plans&agentcode=00399206', 'name': 'HDFC SL YoungStar super premium', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179935%20HDFC%20SL%20YoungStar%20Super%20Premium_Retail_Brochure.pdf', 'heading-one': 'HDFC Life SL YoungStar Super Premium', 'know-more-button-link': '/children-insurance-plans/youngstar-super-premium', 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_YSP_H_I_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_YSP_H_N_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_YSP_H_P_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_YSP_OP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_YSP_AP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_YSP_NP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '1,23,844', 'alt': None, 'blue-header': 'SL YoungStar Super Premium', 'heading-two': "The plan accumulates savings for your child's future. Choose from four different funds, select tenure & sum assured.", 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 86}}]}}], 'dial-buy-policy-text-two': ' (9AM to 9PM IST)'}}, 'mob_JTZplJqResIbkWH': {'slug': 'brandsite-how-can-help', 'id': 'duknoZznwrNG1Gy', 'type': 'data-wysiwyg_editor', 'fields': {'textfield': ['helpbox-heading', 'help-col-one-blue-heading', 'help-col-one-red-heading', 'help-col-one-call-us-text', 'help-col-one-call-timing', 'help-col-one-call-us-no', 'help-col-one-email-text', 'help-col-one-email-id', 'help-col-one-sms-text', 'help-col-one-sms-value', 'help-col-one-let-us-call-text', 'help-col-one-callback-button-text', 'help-col-one-callback-button-link', 'help-col-two-blue-heading', 'help-col-two-red-heading', 'help-col-two-call-us-text', 'help-col-two-call-timing', 'help-col-two-call-us-no', 'help-col-two-bottom-blue-heading', 'help-col-two-bottom-red-heading', 'help-col-two-bottom-button-text', 'help-col-two-bottom-button-link', 'help-col-three-blue-heading', 'help-col-three-red-heading', 'help-col-three-call-us-text', 'help-col-three-call-timing', 'help-col-three-call-us-no', 'help-col-three-call-email-text', 'help-col-three-call-email-id', 'small-box-label', 'small-box-email-text', 'small-box-email-condition', 'small-box-sms-text', 'small-box-sms-value', 'small-box-email-id', 'missed-call-label', 'missed-call-value-1', 'missed-call-value-2', 'missed-call-value-3', 'whatsapp-etty-text', 'whatsapp-etty-text-line-two', 'whatsapp-etty-button-text', 'whatsapp-etty-button-link', 'small-box-missed-call-text', 'missed-call-no', 'branch-description-text', 'branch-timing-button-text', 'branch-office-timing-one', 'branch-office-one', 'branch-office-two', 'branch-office-three', 'branch-office-timing-two', 'branch-office-timing-three', 'branch-popup-header', 'nri-service-text-two', 'nri-service-text-two', 'nri-service-phone', 'nri-service-lhs-one', 'nri-service-lhs-two', 'call-us-content-one', 'call-us-content-two', 'call-us-content-one-text', 'call-us-content-two-text', 'call-us-content-one-text-upper', 'call-us-content-two-text-upper'], 'image-field': ['locate-branch'], 'wysiwyg-editor': ['branch-timing-section']}, 'template_url': 'brandsite-home-theme-one/widgets/how_can_help.tpl.html', 'label': 'brandsite how can help - new - Z', 'data': {'small-box-sms-value': 'LIFE to 56161', 'icon_url': None, 'missed-call-value-2': '(Applicable for Unit Linked Plans only),', 'label': 'brandsite how can help - new - Z', 'branch-office-three': 'Amravati Timing :', 'whatsapp-etty-text': 'Chat on WhatsApp Etty', 'help-col-two-bottom-button-text': 'Find Branch', 'branch-office-timing-one': 'Monday to Friday - 9:30 AM to 3:30 PM <br> Saturday - 9:30 AM to 1:00 PM', 'help-col-three-call-us-text': 'Call Us', 'call-us-content-two': '022-68446530', 'help-col-one-blue-heading': 'HELP TO', 'call-us-content-two-text-upper': None, 'help-col-one-call-us-no': '1800-266-9777', 'small-box-email-condition': '(For NRI customer only)', 'branch-office-one': 'India except Mumbai, Amravati, Akola, Yavatmal and Pune Timing :', 'whatsapp-etty-button-link': 'http://bit.ly/2m4AwGn', 'help-col-three-red-heading': 'Policyholders', 'call-us-content-one': '1860-267-9999', 'help-col-one-call-us-text': 'Speak to our Certified Insurance Experts', 'branch-office-timing-two': 'Monday to Friday - 10:00 AM to 2:00 PM <br> Saturday - 9:30 AM to 1:00 PM', 'help-col-one-callback-button-text': 'CLICK HERE', 'branch-popup-header': 'BRANCH TIMING', 'help-col-two-call-us-no': '1800-266-7227', 'help-col-two-call-timing': 'Mon-Sat 9:30 A.M to 6:30 P.M IST', 'nri-service-lhs-two': 'Call us', 'help-col-two-call-us-text': 'Call Us', 'nri-service-lhs-one': 'Email', 'missed-call-value-1': '08000006609 to get details on your Fund Value', 'help-col-three-blue-heading': 'Service For', 'help-col-one-email-text': 'Email', 'help-col-two-red-heading': 'Relationship Manager', 'small-box-email-id': '[email protected]', 'whatsapp-etty-text-line-two': '+91 8291 890 569 ', 'help-col-three-call-email-text': 'Email', 'branch-description-text': 'There has been changes in branch operation timings due to COVID 19', 'branch-timing-button-text': 'CHECK BRANCH TIMING', 'missed-call-value-3': 'Premium Amount and Due Date', 'help-col-one-sms-value': 'SMS LIFE to 56161', 'whatsapp-etty-button-text': 'chat now', 'call-us-content-two-text': '(STD charges applicable)', 'locate-branch': {'text': 'locate branch', 'image_id': 'DeS0ce7oA3xEU7B', 'link': '', 'alt': '', 'description': '', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/find-branch.png'}, 'help-col-two-bottom-blue-heading': 'Locate A', 'call-us-content-one-text': '(Local charges applicable)', 'call-us-content-one-text-upper': None, 'small-box-email-text': 'Email', 'help-col-one-email-id': '[email protected]', 'small-box-missed-call-text': 'Or Give a Missed Call on', 'small-box-label': 'NRI Service', 'help-col-three-call-timing': 'Available Mon-Sat 10 am to 7 pm IST. DO NOT prefix any country code e.g. +91 or 00.', 'missed-call-label': 'MISSED CALL SERVICE', 'branch-timing-section': {'text': '<section>\n<h2 class="heading">BRANCH TIMING</h2>\n\n<div class="branch-timings-wrap">\n<div class="branch-box">\n<div class="branch-bold-txt-wrap">India Timing :</div>\n\n<div class="branch-txt-wrap">Monday to Friday - 9:30 AM to 3:00 PM<br />\nSaturday - 9:30 AM to 1:00 PM</div>\n</div>\n\n<h3 class="sub-heading">Revised Timings for few branches for the below mentioned states :</h3>\n\n<table class="branch-table tableRevised">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>1. Assam</td>\n\t\t\t<td>5. Nagaland</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2. Maharastra</td>\n\t\t\t<td>6. Sikkim</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>3. Manipur</td>\n\t\t\t<td>7. Tripura</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>4. Meghalaya</td>\n\t\t\t<td>8. West Bengal</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<div class="branch-btn-wrap"><a class="btn btn-default btn-red" download="Revised_Timing_List.pdf" href="/documents/apps/Revised_Timing_List.pdf" rel="noopener noreferrer" target="_blank">Download Revised Timing Branch List</a></div>\n<span class="disclaimer">Note: These are temporary changes and will be updated frequently.</span></div>\n</section>\n', 'label': 'branch timing section'}, 'help-col-two-bottom-button-link': '/contact-us/branch-locator', 'help-col-one-red-heading': 'BUY ONLINE', 'branch-office-two': 'Mumbai Timing :', 'help-col-one-call-timing': 'All days 9:00 AM to 9:00 PM IST', 'help-col-one-callback-button-link': 'https://www.hdfclife.com/contact-us/call-me-now', 'help-col-one-let-us-call-text': 'Instant Callback', 'missed-call-no': '1800-315-7373', 'help-col-three-call-email-id': '[email protected]', 'help-col-three-call-us-no': '1860 267 9999', 'nri-service-phone': '+91-8916694100', 'helpbox-heading': 'HOW CAN WE 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Keeping this in mind we offer a large range of life insurance plans such as <a href="/term-insurance-plans"> term insurance plan </a>, <a href="/women-insurance-plans"> women's plan </a>, <a href="/health-insurance-plans"> health insurance plans </a>, <a href="/retirement-and-pension-plans"> pension plans for retirement planning </a>, <a href="/children-insurance-plans"> child education plans </a>, <a href="https://www.hdfclife.com/ulip-plans"> ULIPs </a>, <a href="https://www.hdfclife.com/savings-plans"> Savings plans</a>. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.<br />\n<br />\nAs per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My <a href="mailto:Account/[email protected]">Account/[email protected]</a>/18602679999/HDFC Life branch. Ignore if already submitted.</p>\n\n<div class="more-content">\n<p><strong>HDFC Life Insurance Company Limited</strong>. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.</p>\n\n<p><strong>Registered Office: </strong></p>\n\n<div itemscope="" itemtype="http://schema.org/LocalBusiness"><span itemprop="name">HDFC Life Insurance Company Limited, </span>\n\n<div itemprop="image" itemscope="" itemtype="http://schema.org/ImageObject" style="display:none"><img alt="" itemprop="url" src="//brandsite-images.hdfclife.com/static/assets/img/brandsite_home/hdfc-life-logo.png" width="250" /></div>\n\n<div itemprop="address" itemscope="" itemtype="http://schema.org/PostalAddress">\n<p><span itemprop="streetAddress">Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, </span> <span itemprop="addressLocality"> Mumbai </span> <span itemprop="postalCode"> 400 011. </span> Tel No: <span itemprop="telephone"> (022)67516666.</span></p>\n\n<p>The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement<br />\nFor more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792</p>\n</div>\n\n<div class="hidden-sm hidden-md hidden-lg"><a class="cta-read-more cta-red read-more"> Read more </a> <a class="cta-read-less cta-red read-less"> Read less </a></div>\n</div>\n</div>\n<!--- Customer Service popup --->\n\n<div class="modal fade videoPopup" id="spopUp">\n<div class="modal-dialog">\n<div class="modal-content">\n<div class="modal-header">\n<h4 class="modal-title" id="videoPopupModal">THANK YOU FOR CONTACTING</h4>\n<a class="modal-close" data-dismiss="modal" href="#"><img alt="" src="/static/assets/img/fund_performance/popup-close-icon.png" /> </a></div>\n\n<div class="modal-body">\n<div class="successMsg">\n<p>Your request has been submitted successfully. 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(If nominee is a minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes.<br>Inquest report, First/Final Information report, Viscera/Chemical Analysis report', 'pop-up-red-header': '1-Day Claim Settlement', 'pop-up-section-one': {'text': '<h2 class="heading">Claim Settlement <span class="heading-red">Ratio</span></h2>\n\n<h3 class="sub-heading">(Percentage and average claim settlement time)</h3>\n\n<div class="tabular-section">\n<table>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td> </td>\n\t\t\t<td> </td>\n\t\t\t<td> </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2020-21</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="98" aria-valuemin="0" aria-valuenow="98" class="progress-bar" role="progressbar" style="width: 98%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 5 days</span></td>\n\t\t\t<td>98.01%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2019-20</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="100" aria-valuemin="0" aria-valuenow="99.07" class="progress-bar" role="progressbar" style="width: 99.07%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 4 days</span></td>\n\t\t\t<td>99.07%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2018-19</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="99.03" aria-valuemin="0" aria-valuenow="99.03" class="progress-bar" role="progressbar" style="width: 99.03%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 4 days</span></td>\n\t\t\t<td>99.03%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2017-18</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="97.8" aria-valuemin="0" aria-valuenow="97.8" class="progress-bar" role="progressbar" style="width: 97.8%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 5 days</span></td>\n\t\t\t<td>97.8%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2016-17</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="97.62" aria-valuemin="0" aria-valuenow="97.62" class="progress-bar" role="progressbar" style="width: 97.62%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 5 days</span></td>\n\t\t\t<td>97.62%</td>\n\t\t</tr>\n\t</tbody>\n</table>\n</div>\n', 'label': 'pop up section one'}, 'bottom-button-two-text': 'Submit Claim', 'bottom-button-one-text': 'Track Claim', 'alt': None, 'pop-up-tnc': '<b>T&C Apply</b><br>1) For all claims* fulfilling above mentioned condition, provided we receive all the documents, the claim will be within one working day and decision will be communicated accordingly. 2) Investigation/ Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of the event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day) <br> ^Interest rate would be at 6.25% per annum.', 'right-bottom-terms-text': '*Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2020-21', 'pop-up-bullet-list': {'label': 'pop up bullet list', 'content': [{'text': 'Cumulative claim amount on all policies up to ₹\n2 crores', 'title': '', 'link': ''}, {'text': '1 day claim settlement is exclusively available for policies bought online', 'title': '', 'link': ''}, {'text': 'Claim does not require field investigation', 'title': '', 'link': ''}, {'text': 'All requisite documents<sup>#</sup> submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day', 'title': '', 'link': ''}, {'text': 'HDFC Life will pay an interest^ on your death claim amount of every day of delay beyond one working day', 'title': '', 'link': ''}]}, 'pop-up-blue-header': 'is available for the following', 'pop-up-header-image': {'text': 'pop up header image', 'image_id': 'caA4wnjxEiqYYwr', 'link': '', 'alt': '', 'description': '', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/claim-secure-homepage-v2.png'}, 'blue-heading-text': 'Make a', 'bottom-button-two-link': 'https://www.hdfclife.com/customer-service/claims'}}, 'QmskTXx5FJplxwG': {'slug': 'brandsite-get-app-link', 'id': 'V5I0EXN90PbL0HB', 'type': 'data-image_list', 'fields': {'textfield': ['get-app-link-main-header', 'get-app-link-sub-header', 'get-app-link-button-text', 'get-app-link-button-link', 'get-app-link-footer'], 'image-list': ['image-mobile-support']}, 'template_url': 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'buying-guide-button-link', 'blue-header', 'red-header', 'tc']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2- Corona (Term Plans)', 'data': {'related-videos-button-text': '', 'heading-one': 'Click 2 Protect Corona Kavach', 'family-secured-count': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'know-more-button-link': '/term-and-health-insurance-plans/click-2-protect-corona-kavach', 'icon_url': None, 'red-header': '', 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2- Corona (Term Plans)', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Provide financial protection to you and your family at an affordable cost', 'title': '', 'link': ''}, {'text': 'Customize your plan with a choice of 9 plan options', 'title': '', 'link': ''}, {'text': 'Special protection against COVID and Co-morbidity illnesses', 'title': '', 'link': ''}, {'text': 'Covers hospitalization expenses related to COVID-19 treatment', 'title': '', 'link': ''}]}, 'know-more-button-text': 'Know More', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/Click_2_Protect_Corona_Kavach_HDFC_Ergo_Retail_Brochure.pdf', 'tc': '', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': '', 'alt': None, 'blue-header': 'Click 2 Protect Corona Kavach', 'heading-two': 'It helps to protect your savings by providing cover for treatment costs arising out of COVID-19 illness.', 'buying-guide-button-text': 'Customer Assistance Guide', 'page-query-param': {'label': 'page query param', 'content': []}, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-corona-kavach/basic-details?source=NW_C2PCK_HP_All_Plans&agentcode=00399206&language=en'}}, {'slug': 'single-plan-details-card-v2', 'type': 'plan', 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'plan-information-plan-list-v2', 'id': 'tEZvKR6EtNQHzqX', 'type': 'plan_list', 'fields': {'textfield': ['heading-one', 'heading-two', 'redirect-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'plan information plan list v2: Retirement', 'data': {'heading-one': 'RETIREMENT', 'alt': 'Retirement Plans', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/REtirement.png', 'redirect-link': '/retirement-and-pension-plans', 'heading-two': 'PLANS', 'label': 'plan information plan list v2: Retirement', 'content': [{'slug': 'single-plan-details-card-v2', 'id': 'px862aJBaYrtctv', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 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the policyholder.</b>', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Online Unit-linked Pension Plan', 'title': '', 'link': ''}, {'text': 'Entry age of 18 years', 'title': '', 'link': ''}, {'text': 'Maturity age of 45 yrs', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 C & 10 (10A)', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=tA22oVjyL8Q', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/click-2-retire-plan/Calculator?source=NW_C2R_HP_All_Plans&agentcode=00399206', 'name': 'HDFC Life Click2Retire', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/PP02201810982%20HDFC%20Life%20Click%202%20Retire%20Brochure_Retail_Brochure.pdf', 'heading-one': 'HDFC Life Click 2 Retire', 'know-more-button-link': '/retirement-and-pension-plans/click-2-retire', 'red-header': 'HDFC Life', 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'?source=NW_PPP_H_I_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=retirement-plans&utm_content=products&prod=PPP', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_PPP_H_N_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=retirement-plans&utm_content=products&prod=PPP', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_PPP_OP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=retirement-plans&utm_content=products&prod=PPP', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_PPP_AP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=retirement-plans&utm_content=products&prod=PPP', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_PPP_NP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=retirement-plans&utm_content=products&prod=PPP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '21,467', 'alt': None, 'blue-header': 'Personal Pension Plus', 'heading-two': 'A plan that offers secure and stable returns for a hassle-free life post retirement.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 81}}, {'slug': 'single-plan-details-card-v2', 'id': 'o09a1hORu0h2H2Y', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Guaranteed Pension Plan', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Guaranteed Pension Plan', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Premium paying terms of 5,7 &10 yrs', 'title': '', 'link': ''}, {'text': 'Avail a lump sum vesting benefit', 'title': '', 'link': ''}, {'text': 'Assured Death Benefit', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 CCC', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=lnownS-yAg4', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/guaranteed-pension-plan?source=NW_GPP_HP_All_Plans&agentcode=00399206&language=en', 'name': 'HDFC Life Guaranteed Pension Plan', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/PP02201810985%20HDFC%20Life%20Guaranteed%20Pension%20Plan_Retail_Brochure.pdf', 'heading-one': 'HDFC Life Guaranteed Pension Plan', 'know-more-button-link': '/retirement-and-pension-plans/guaranteed-pension-plan', 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_GPP_H_I_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 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'?source=NW_GPP_AP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_GPP_NP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=retirement-plans&utm_content=products&prod=GPP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '21,724', 'alt': None, 'blue-header': 'Guaranteed Pension Plan', 'heading-two': 'A retirement plan designed to help you build and secure your fund to enjoy the post retirement income.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 82}}, {'slug': 'single-plan-details-card-v2', 'type': 'plan', 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'?source=NW_NIA_H_I_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_NIA_H_N_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_NIA_H_P_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_NIA_OP_PRD_RP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=retirement-plans&utm_content=products&prod=NIA', 'title': '', 'link': 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ULIP" is a Unit Linked Plan that offers you market linked returns, with Loyalty additions and helps you achieve your retirement goals by planning well in advance.', 'buying-guide-button-text': 'Customer assistance guide', 'blue-header': 'Assured Pension Plan – ULIP', 'calculate-premium-button-link': None}}]}}, {'slug': 'plan-information-plan-list-v2', 'id': 'Ud8G4HikGmUQOpN', 'type': 'plan_list', 'fields': {'textfield': ['heading-one', 'heading-two', 'redirect-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'plan information plan list v2: health', 'data': {'heading-one': 'HEALTH', 'alt': 'Health Insurance Plans', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/Health.png', 'redirect-link': '/health-insurance-plans', 'heading-two': 'PLANS', 'label': 'plan information plan list v2: health', 'content': [{'slug': 'single-plan-details-card-v2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'blue-header', 'red-header', 'tc']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2- Click 2 Protect Health (Term Plans)', 'data': {'related-videos-button-text': 'Related Videos', 'heading-one': 'Click 2 Protect Health', 'family-secured-count': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'know-more-button-link': '/term-and-health-insurance-plans/click-2-protect-health-plan', 'icon_url': None, 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2- Click 2 Protect Health (Term Plans)', 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If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': 'https://www.youtube.com/watch?v=Z3s0iLPsi4A', 'alt': None, 'blue-header': 'Click 2 Protect Health', 'heading-two': 'A life and health insurance plan that gives your family all-round protection', 'buying-guide-button-text': 'Customer Assistance Guide', 'page-query-param': {'label': 'page query param', 'content': []}, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-health/calculate-premium?source=NW_C2PHR_PP_CALC&agentcode=00399206'}}, {'slug': 'single-plan-details-card-v2', 'id': 'Xsia4qEqrHFos7H', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'red-header', 'blue-header']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Cancer Care - Health (Individual)', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Cancer Care - Health (Individual)', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Lumpsum benefit plan', 'title': '', 'link': ''}, {'text': '3 plan options available', 'title': '', 'link': ''}, {'text': 'No medicals required', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 D', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=7crx9TTyFIY', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/cancer-care-plan/CalculatePremium?source =NW_CANCare_HP_All_Plans&agentcode=00399206', 'name': 'HDFC Life Cancer Care', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179909%20HDFC%20Life%20Cancer%20Care_Retail_Brochure.pdf', 'heading-one': 'HDFC Life Cancer Care', 'know-more-button-link': '/health-insurance-plans/cancer-care-insurance', 'red-header': None, 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_CAN_H_I_PRD_HP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=health-plans&utm_content=products&prod=CAN', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '1,66,486', 'alt': None, 'blue-header': 'Cancer Care', 'heading-two': 'A Comprehensive Cancer Care plan that offers lump sum benefit on diagnosis of Early Stage and Major Cancer.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 80}}, {'slug': 'single-plan-details-card-v2', 'id': 'bUItJ2bvR9dzMB2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'red-header', 'blue-header']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Easy Health - Health - Individual', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Easy Health - Health - Individual', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Fixed benefit health insurance', 'title': '', 'link': ''}, {'text': 'Lumpsum on 18 Critical Illnesses', 'title': '', 'link': ''}, {'text': 'Lumpsum on 138 surgical procedures', 'title': '', 'link': ''}, {'text': 'Daily hospital cash benefit', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=rrYHHL1IoPM', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/easy-health-plan/CalculatePremium?source=NW_EAH_HP_All_Plans&agentcode=00399206', 'name': 'HDFC Life Easy Health', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179913%20HDFC%20Life%20Easy%20Health_Retail_Brochure.pdf', 'heading-one': 'HDFC Life Easy Health', 'know-more-button-link': '/health-insurance-plans/easy-health', 'red-header': None, 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_EAH_H_I_PRD_HP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=health-plans&utm_content=products&prod=EAH', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '16,629', 'alt': None, 'blue-header': 'Easy Health', 'heading-two': 'A health insurance that helps you bounce back to health post hospitalization,surgery or critical illness.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 5}}, {'slug': 'single-plan-details-card-v2', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link', 'red-header', 'blue-header']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Cardiac care (individual)', 'data': {'related-videos-button-text': 'Related Videos', 'heading-one': 'HDFC Life Cardiac Care', 'family-secured-count': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'know-more-button-link': '/health-insurance-plans/cardiac-care', 'icon_url': None, 'red-header': None, 'download-button-text': 'Download Brochure', 'label': 'single plan details card v2: Cardiac care (individual)', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Fixed lump sum payout', 'title': '', 'link': ''}, {'text': 'Option to choose Indexation benefit', 'title': '', 'link': ''}, {'text': 'Tax benefits under Section 80D', 'title': '', 'link': ''}, {'text': 'Multiple Claims of different conditions', 'title': '', 'link': ''}]}, 'know-more-button-text': 'KNOW MORE', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC12201710686%20HDFC%20Life%20Cardiac%20Care_Retail_Brochure.pdf', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'related-videos-button-link': 'https://www.youtube.com/watch?v=r9tKQdWFT4s', 'alt': None, 'blue-header': 'Cardiac Care', 'heading-two': 'A plan which provides financial protection in case you are diagnosed with a cardiac condition or are undergoing a procedure as covered under the policy', 'buying-guide-button-text': 'Customer Assistance Guide', 'page-query-param': {'label': 'page query param', 'content': []}, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/cardiac-care-plan/CalculatePremium?source=NW_CRDCP_HP_All_Plans&agentcode=00399206'}}]}}, {'slug': 'plan-information-plan-list-v2', 'id': 'mITZov2TD4T3LS4', 'type': 'plan_list', 'fields': {'textfield': ['heading-one', 'heading-two', 'redirect-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'plan information plan list v2: child', 'data': {'heading-one': 'CHILD', 'alt': 'Child Plans', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/Child.png', 'redirect-link': '/children-insurance-plans', 'heading-two': 'PLANS', 'label': 'plan information plan list v2: child', 'content': [{'slug': 'single-plan-details-card-v2', 'id': 'zHVQoyXaGt5de23', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Youngstar Udaan', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Youngstar Udaan', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Participating Child Insurance Plan', 'title': '', 'link': ''}, {'text': '3 Maturity benefits options', 'title': '', 'link': ''}, {'text': '2 death benefit options to choose from', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 C & 10 (10D)', 'title': '', 'link': ''}]}, 'related-videos-button-link': 'https://www.youtube.com/watch?v=xLlTtXmuiIg', 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-child-insurance-plans/youngstar-udaan?source=NW_YUD_HP_All_Plans&agentcode=00399206', 'name': 'HDFC Life YoungStar Udaan', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179915%20HDFC%20Life%20YoungStar%20Udaan_Retail_Brochure.pdf', 'heading-one': 'HDFC Life SL YoungStar Udaan', 'know-more-button-link': '/children-insurance-plans/youngstar-udaan', 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_YUD_H_I_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_YUD_H_N_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_YUD_H_P_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_YUD_OP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_YUD_AP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_YUD_NP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=child-plans&utm_content=products&prod=YUD', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '47,373', 'alt': None, 'blue-header': 'SL YoungStar Udaan', 'heading-two': 'A plan that helps you empower your child’s dreams and live the rest of your life as the proud parents you deserve to be.', 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 87}}, {'slug': 'single-plan-details-card-v2', 'id': 'eUUuegIGRQkaqmj', 'type': 'plan', 'fields': {'text-list': ['single-plan-feature-list', 'page-query-param'], 'textfield': ['heading-one', 'heading-two', 'blue-header', 'red-header', 'family-secured-count', 'know-more-button-text', 'know-more-button-link', 'calculate-premium-button-text', 'calculate-premium-button-link', 'download-button-text', 'download-button-link', 'related-videos-button-text', 'related-videos-button-link', 'buying-guide-button-text', 'buying-guide-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/plan_information.tpl.html', 'label': 'single plan details card v2: Youngstar Super Premium', 'data': {'related-videos-button-text': 'Related Videos', 'icon_url': None, 'calculate-premium-button-text': 'CALCULATE PREMIUM', 'label': 'single plan details card v2: Youngstar Super Premium', 'single-plan-feature-list': {'label': 'single plan feature list', 'content': [{'text': 'Unit-linked Insurance Plan', 'title': '', 'link': ''}, {'text': '4 fund options available', 'title': '', 'link': ''}, {'text': 'Flexibility on sum assured', 'title': '', 'link': ''}, {'text': 'Tax benefits under Sec 80 C & 10 (10D)', 'title': '', 'link': ''}]}, 'related-videos-button-link': None, 'calculate-premium-button-link': 'https://onlineinsurance.hdfclife.com/buy-online-child-insurance-plans/youngstar-super-premium?source=NW_YSP_HP_All_Plans&agentcode=00399206', 'name': 'HDFC SL YoungStar super premium', 'download-button-link': 'https://brandsite-static.hdfclife.com/media/documents/apps/MC0620179935%20HDFC%20SL%20YoungStar%20Super%20Premium_Retail_Brochure.pdf', 'heading-one': 'HDFC Life SL YoungStar Super Premium', 'know-more-button-link': '/children-insurance-plans/youngstar-super-premium', 'red-header': 'HDFC Life', 'download-button-text': 'Download Brochure', 'page-query-param': {'label': 'page query param', 'content': [{'text': '?source=NW_YSP_H_I_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-ind&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/hindi/term-insurance-plans/click-2-protect-plus-plan', 'use_page': True, 'page_id': 689}, {'text': '?source=NW_YSP_H_N_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-nri&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plans', 'use_page': True, 'page_id': 91}, {'text': '?source=NW_YSP_H_P_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=homepage-cus&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/customer-service', 'use_page': True, 'page_id': 87}, {'text': '?source=NW_YSP_OP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=online-plans&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/online-life-insurance-plans', 'use_page': True, 'page_id': 306}, {'text': '?source=NW_YSP_AP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=all-plans&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/life-insurance-plans-old', 'use_page': True, 'page_id': 150}, {'text': '?source=NW_YSP_NP_PRD_CP&agentcode=00399206&utm_medium=website&utm_source=nri-plans&utm_campaign=child-plans&utm_content=products&prod=YSP', 'title': '', 'link': 'https://www.hdfclife.com/nri-insurance-plan', 'use_page': True, 'page_id': 351}]}, 'know-more-button-text': 'KNOW MORE', 'family-secured-count': '1,23,844', 'alt': None, 'blue-header': 'SL YoungStar Super Premium', 'heading-two': "The plan accumulates savings for your child's future. Choose from four different funds, select tenure & sum assured.", 'buying-guide-button-text': 'Customer Assistance Guide', 'buying-guide-button-link': 'https://www.hdfclife.com/documents/apps/Customer_Assistance_Guide.pdf', 'plan_id': 86}}]}}], 'dial-buy-policy-text-two': ' (9AM to 9PM IST)'}}, '8UfFDboS4DiBYsF': {'slug': 'make-a-claim-homepage-v2', 'id': 'F0IudxiQPJ1u0To', 'type': 'data-image', 'fields': {'text-list': ['pop-up-bullet-list'], 'textfield': ['blue-heading-text', 'red-heading-text', 'description-text', 'bottom-button-one-text', 'bottom-button-one-link', 'bottom-button-two-text', 'bottom-button-two-link', 'right-bottom-terms-text', 'pop-up-red-header', 'pop-up-blue-header', 'pop-up-tnc', 'pop-up-documentation'], 'image-list': ['content-image'], 'image-field': ['pop-up-header-image'], 'wysiwyg-editor': ['pop-up-section-one']}, 'template_url': 'brandsite-home-theme-two/widgets/make-a-claim.tpl.html', 'label': 'make a claim homepage v2 popup', 'data': {'description-text': 'Bereavement & illness can drain you physically, emotionally and financially. At HDFC Life, we are fully committed to be with you in the moment of need through a quicker, simpler and an efficient claims settlement process.', 'label': 'make a claim homepage v2 popup', 'icon_url': None, 'content-image': {'label': 'content image', 'content': [{'text': 'Honor', 'image_id': '49bU6TEJgXpmZ01', 'link': '', 'bannerText': 'Honor', 'alt': 'honor', 'description': 'We have honoured <span class="red-text"><b>98.01%</b></span> Individual claims! * <br><a class="know-more" href="#" type="button" data-toggle="modal" data-target="#individualClaim" style="color:#005e9e;"><u> Check last 5 years claims trend</u></a>', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/honor_99.png'}, {'text': 'Know More', 'image_id': 'eKA58PNRLRmMrJ5', 'link': '', 'bannerText': 'Know More', 'alt': '', 'description': '<span class="red-text"><b>1 day</b></span> claim settlement^<br><a class="know-more" href="#" type="button" data-toggle="modal" data-target="#knwmoreModal" style="text-decoration:underline;color:#005e9e;">^Know more</a>', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/Corporate-homepage-revamp-icon.png'}]}, 'bottom-button-one-link': 'https://www.hdfclife.com/customer-service/claims/claims-status', 'red-heading-text': 'Claim', 'pop-up-documentation': '<b><sup>#</sup>Documentation Details</b><br>Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is a minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes.<br>Inquest report, First/Final Information report, Viscera/Chemical Analysis report', 'pop-up-red-header': '1-Day Claim Settlement', 'pop-up-section-one': {'text': '<h2 class="heading">Claim Settlement <span class="heading-red">Ratio</span></h2>\n\n<h3 class="sub-heading">(Percentage and average claim settlement time)</h3>\n\n<div class="tabular-section">\n<table>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td> </td>\n\t\t\t<td> </td>\n\t\t\t<td> </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2020-21</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="98" aria-valuemin="0" aria-valuenow="98" class="progress-bar" role="progressbar" style="width: 98%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 5 days</span></td>\n\t\t\t<td>98.01%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2019-20</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="100" aria-valuemin="0" aria-valuenow="99.07" class="progress-bar" role="progressbar" style="width: 99.07%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 4 days</span></td>\n\t\t\t<td>99.07%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2018-19</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="99.03" aria-valuemin="0" aria-valuenow="99.03" class="progress-bar" role="progressbar" style="width: 99.03%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 4 days</span></td>\n\t\t\t<td>99.03%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2017-18</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="97.8" aria-valuemin="0" aria-valuenow="97.8" class="progress-bar" role="progressbar" style="width: 97.8%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 5 days</span></td>\n\t\t\t<td>97.8%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2016-17</td>\n\t\t\t<td>\n\t\t\t<div class="progress">\n\t\t\t<div aria-valuemax="97.62" aria-valuemin="0" aria-valuenow="97.62" class="progress-bar" role="progressbar" style="width: 97.62%"> </div>\n\t\t\t</div>\n\t\t\t<span>Average claim settlement time: 5 days</span></td>\n\t\t\t<td>97.62%</td>\n\t\t</tr>\n\t</tbody>\n</table>\n</div>\n', 'label': 'pop up section one'}, 'bottom-button-two-text': 'Submit Claim', 'bottom-button-one-text': 'Track Claim', 'alt': None, 'pop-up-tnc': '<b>T&C Apply</b><br>1) For all claims* fulfilling above mentioned condition, provided we receive all the documents, the claim will be within one working day and decision will be communicated accordingly. 2) Investigation/ Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of the event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day) <br> ^Interest rate would be at 6.25% per annum.', 'right-bottom-terms-text': '*Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2020-21', 'pop-up-bullet-list': {'label': 'pop up bullet list', 'content': [{'text': 'Cumulative claim amount on all policies up to ₹\n2 crores', 'title': '', 'link': ''}, {'text': '1 day claim settlement is exclusively available for policies bought online', 'title': '', 'link': ''}, {'text': 'Claim does not require field investigation', 'title': '', 'link': ''}, {'text': 'All requisite documents<sup>#</sup> submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day', 'title': '', 'link': ''}, {'text': 'HDFC Life will pay an interest^ on your death claim amount of every day of delay beyond one working day', 'title': '', 'link': ''}]}, 'pop-up-blue-header': 'is available for the following', 'pop-up-header-image': {'text': 'pop up header image', 'image_id': 'caA4wnjxEiqYYwr', 'link': '', 'alt': '', 'description': '', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/claim-secure-homepage-v2.png'}, 'blue-heading-text': 'Make a', 'bottom-button-two-link': 'https://www.hdfclife.com/customer-service/claims'}}, 'JTZplJqResIbkWH': {'slug': 'brandsite-how-can-help', 'id': 'duknoZznwrNG1Gy', 'type': 'data-wysiwyg_editor', 'fields': {'textfield': ['helpbox-heading', 'help-col-one-blue-heading', 'help-col-one-red-heading', 'help-col-one-call-us-text', 'help-col-one-call-timing', 'help-col-one-call-us-no', 'help-col-one-email-text', 'help-col-one-email-id', 'help-col-one-sms-text', 'help-col-one-sms-value', 'help-col-one-let-us-call-text', 'help-col-one-callback-button-text', 'help-col-one-callback-button-link', 'help-col-two-blue-heading', 'help-col-two-red-heading', 'help-col-two-call-us-text', 'help-col-two-call-timing', 'help-col-two-call-us-no', 'help-col-two-bottom-blue-heading', 'help-col-two-bottom-red-heading', 'help-col-two-bottom-button-text', 'help-col-two-bottom-button-link', 'help-col-three-blue-heading', 'help-col-three-red-heading', 'help-col-three-call-us-text', 'help-col-three-call-timing', 'help-col-three-call-us-no', 'help-col-three-call-email-text', 'help-col-three-call-email-id', 'small-box-label', 'small-box-email-text', 'small-box-email-condition', 'small-box-sms-text', 'small-box-sms-value', 'small-box-email-id', 'missed-call-label', 'missed-call-value-1', 'missed-call-value-2', 'missed-call-value-3', 'whatsapp-etty-text', 'whatsapp-etty-text-line-two', 'whatsapp-etty-button-text', 'whatsapp-etty-button-link', 'small-box-missed-call-text', 'missed-call-no', 'branch-description-text', 'branch-timing-button-text', 'branch-office-timing-one', 'branch-office-one', 'branch-office-two', 'branch-office-three', 'branch-office-timing-two', 'branch-office-timing-three', 'branch-popup-header', 'nri-service-text-two', 'nri-service-text-two', 'nri-service-phone', 'nri-service-lhs-one', 'nri-service-lhs-two', 'call-us-content-one', 'call-us-content-two', 'call-us-content-one-text', 'call-us-content-two-text', 'call-us-content-one-text-upper', 'call-us-content-two-text-upper'], 'image-field': ['locate-branch'], 'wysiwyg-editor': ['branch-timing-section']}, 'template_url': 'brandsite-home-theme-one/widgets/how_can_help.tpl.html', 'label': 'brandsite how can help - new - Z', 'data': {'small-box-sms-value': 'LIFE to 56161', 'icon_url': None, 'missed-call-value-2': '(Applicable for Unit Linked Plans only),', 'label': 'brandsite how can help - new - Z', 'branch-office-three': 'Amravati Timing :', 'whatsapp-etty-text': 'Chat on WhatsApp Etty', 'help-col-two-bottom-button-text': 'Find Branch', 'branch-office-timing-one': 'Monday to Friday - 9:30 AM to 3:30 PM <br> Saturday - 9:30 AM to 1:00 PM', 'help-col-three-call-us-text': 'Call Us', 'call-us-content-two': '022-68446530', 'help-col-one-blue-heading': 'HELP TO', 'call-us-content-two-text-upper': None, 'help-col-one-call-us-no': '1800-266-9777', 'small-box-email-condition': '(For NRI customer only)', 'branch-office-one': 'India except Mumbai, Amravati, Akola, Yavatmal and Pune Timing :', 'whatsapp-etty-button-link': 'http://bit.ly/2m4AwGn', 'help-col-three-red-heading': 'Policyholders', 'call-us-content-one': '1860-267-9999', 'help-col-one-call-us-text': 'Speak to our Certified Insurance Experts', 'branch-office-timing-two': 'Monday to Friday - 10:00 AM to 2:00 PM <br> Saturday - 9:30 AM to 1:00 PM', 'help-col-one-callback-button-text': 'CLICK HERE', 'branch-popup-header': 'BRANCH TIMING', 'help-col-two-call-us-no': '1800-266-7227', 'help-col-two-call-timing': 'Mon-Sat 9:30 A.M to 6:30 P.M IST', 'nri-service-lhs-two': 'Call us', 'help-col-two-call-us-text': 'Call Us', 'nri-service-lhs-one': 'Email', 'missed-call-value-1': '08000006609 to get details on your Fund Value', 'help-col-three-blue-heading': 'Service For', 'help-col-one-email-text': 'Email', 'help-col-two-red-heading': 'Relationship Manager', 'small-box-email-id': '[email protected]', 'whatsapp-etty-text-line-two': '+91 8291 890 569 ', 'help-col-three-call-email-text': 'Email', 'branch-description-text': 'There has been changes in branch operation timings due to COVID 19', 'branch-timing-button-text': 'CHECK BRANCH TIMING', 'missed-call-value-3': 'Premium Amount and Due Date', 'help-col-one-sms-value': 'SMS LIFE to 56161', 'whatsapp-etty-button-text': 'chat now', 'call-us-content-two-text': '(STD charges applicable)', 'locate-branch': {'text': 'locate branch', 'image_id': 'DeS0ce7oA3xEU7B', 'link': '', 'alt': '', 'description': '', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/find-branch.png'}, 'help-col-two-bottom-blue-heading': 'Locate A', 'call-us-content-one-text': '(Local charges applicable)', 'call-us-content-one-text-upper': None, 'small-box-email-text': 'Email', 'help-col-one-email-id': '[email protected]', 'small-box-missed-call-text': 'Or Give a Missed Call on', 'small-box-label': 'NRI Service', 'help-col-three-call-timing': 'Available Mon-Sat 10 am to 7 pm IST. DO NOT prefix any country code e.g. +91 or 00.', 'missed-call-label': 'MISSED CALL SERVICE', 'branch-timing-section': {'text': '<section>\n<h2 class="heading">BRANCH TIMING</h2>\n\n<div class="branch-timings-wrap">\n<div class="branch-box">\n<div class="branch-bold-txt-wrap">India Timing :</div>\n\n<div class="branch-txt-wrap">Monday to Friday - 9:30 AM to 3:00 PM<br />\nSaturday - 9:30 AM to 1:00 PM</div>\n</div>\n\n<h3 class="sub-heading">Revised Timings for few branches for the below mentioned states :</h3>\n\n<table class="branch-table tableRevised">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>1. Assam</td>\n\t\t\t<td>5. Nagaland</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2. Maharastra</td>\n\t\t\t<td>6. Sikkim</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>3. Manipur</td>\n\t\t\t<td>7. Tripura</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>4. Meghalaya</td>\n\t\t\t<td>8. West Bengal</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<div class="branch-btn-wrap"><a class="btn btn-default btn-red" download="Revised_Timing_List.pdf" href="/documents/apps/Revised_Timing_List.pdf" rel="noopener noreferrer" target="_blank">Download Revised Timing Branch List</a></div>\n<span class="disclaimer">Note: These are temporary changes and will be updated frequently.</span></div>\n</section>\n', 'label': 'branch timing section'}, 'help-col-two-bottom-button-link': '/contact-us/branch-locator', 'help-col-one-red-heading': 'BUY ONLINE', 'branch-office-two': 'Mumbai Timing :', 'help-col-one-call-timing': 'All days 9:00 AM to 9:00 PM IST', 'help-col-one-callback-button-link': 'https://www.hdfclife.com/contact-us/call-me-now', 'help-col-one-let-us-call-text': 'Instant Callback', 'missed-call-no': '1800-315-7373', 'help-col-three-call-email-id': '[email protected]', 'help-col-three-call-us-no': '1860 267 9999', 'nri-service-phone': '+91-8916694100', 'helpbox-heading': 'HOW CAN WE HELP YOU', 'branch-office-timing-three': 'Monday to Friday - 9:30 AM to 3:30 PM <br>Saturday - 9:30 AM to 1:00 PM <div class="branch-bold-txt-wrap">Akola Timing :</div><div class="branch-txt-wrap">Monday to Friday - 9:30 AM to 3:30 PM <br>Saturday - 9:30 AM to 1:00 PM</div><div class="branch-bold-txt-wrap">Yavatmal Timing :</div><div class="branch-txt-wrap"> Monday to Friday - 9:30 AM to 3:30 PM <br> Saturday - 9:30 AM to 1:00 PM </div><div class="branch-bold-txt-wrap">Pune Timing :</div><div class="branch-txt-wrap"> Monday to Friday - 9:30 AM to 2:00 PM <br> Saturday - 9:30 AM to 1:00 PM </div>', 'help-col-two-bottom-red-heading': 'Branch Near You', 'nri-service-text-two': 'MON TO SAT: 10 AM to 7 PM IST (LOCAL CHARGES APPLICABLE)', 'alt': None, 'small-box-sms-text': '', 'help-col-two-blue-heading': 'Contact Our', 'help-col-one-sms-text': 'SMS'}}, 'wexON2Moh2KnvD5': {'type_of_link': '', 'slug': 'homepage-v2-footer-links', 'id': 'VCjf8FshW1ATi1L', 'image_url': [], 'template_url': 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'https://instainsure.hdfclife.com/?source=EDM&channel=WP', 'tnc-text': 'T&C*', 'image': {'text': 'image', 'image_id': 'WCHm88YQoO6Ds0w', 'link': '', 'alt': '', 'description': '', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/UX386-PASA-_480-X-150_V02.png'}, 'bigger-font': 'true', 'button-link-1': '', 'header-part-2': '<span class="caption-title-blue">Protect your loved ones with a <span class="caption-title-red">pre-approved sum assured</span> offer on our term plans.</span>', 'show-overlay': 'true', 'button-text-1': '', 'button-text-2': 'Check Eligibility', 'header-part-1': '<span class="caption-title-red">98.01% claims*</span> are settled successfully!<br>'}, {'overlay-position': 'Centre', 'disclaimer-text': '^Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2020-21.<br><br> *Claims would be fulfilled, provided we receive all the required documents. The claim will be processed within one working day and decision will be communicated accordingly. Investigation / Open title / Rival / Court involved Claims are excluded. Policy duration at the time of event is at least >=3 years. Saturday, Sunday, public festivals, and non-NAV days (for ULIP) are excluded (not treated as a working day). Claim amount on all eligible policies is upto 2 crores. 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consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp. and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard.', 'subscribe-button-text': 'Subscribe'}}, 'mob_AKXakEanVMfkoV8': {'attributes': {'textfield': ['blue-header', 'red-header', 'title', 'description', 'disclaimer']}, 'slug': 'about-hdfc-homepage-v2', 'id': 'GFnxz5UdEEJmrko', 'type': 'data-nested_list', 'fields': [{'textfield': ['header', 'red-text', 'blue-text', 'bottom-text']}, {'textfield': ['header', 'red-text', 'blue-text', 'bottom-text']}, {'textfield': ['header', 'red-text', 'blue-text', 'bottom-text']}, {'textfield': ['header', 'red-text', 'blue-text', 'bottom-text']}, {'textfield': ['header', 'red-text', 'blue-text', 'bottom-text'], 'image-field': ['branch-locator']}], 'template_url': 'brandsite-home-theme-two/widgets/about_hdfc_life.tpl.html', 'label': 'about 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HDFC Life in this article talks about the reasons why taxes may be less during your retirement than you think.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/34__tile.jpg', 'image': {'banner': '4f4bKovxGZCwJqP'}, 'banner_image': {'id': '4f4bKovxGZCwJqP', 'alt': {'en': '7 Retirement Planning Steps Late Starters Must Make'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/34_.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/34_.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/34__tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/34__thumb.jpg'}, 'view_count': 1509, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/34__thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}], 'publish_at': '2018-11-05T06:30:21Z', 'url': '/insurance-knowledge-centre/retirement-planning/why-your-retirement-taxes-maybe-less-than-you-think', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>Retirement planning is important to ensure you have a continuous stream on income once you retire. But some people worry they will have to spend too much on taxes after retirement. Here are a few reasons to help you understand why your <a href="http://www.hdfclife.com/insurance-knowledge-centre/retirement-planning/tax-benefits-of-various-pension-plans">taxes in retirement </a> may be less than you think:</p>\n\n<ol style="list-style-type:lower-alpha;">\n\t<li>Not all your retirement income is taxable- When you're working, the bulk of your income is from your job and is fully taxable (after deductions and exemptions) at ordinary income tax rates. When you're retired, this is only true for pension income, withdrawals from taxable retirement accounts, and any rental, business, and wage income you have.</li>\n\t<li>Your income will probably be lower- You ideally need 80% of your pre-retirement income after retirement. But you may even need lower. Maybe you don’t have any loan to pay. Or all your children are financially independent. You expenses on eating out and shopping are lesser and you don’t spend too much on commuting. All these factors also determine that you need lesser amount for maintaining your lifestyle post retirement.</li>\n\t<li>Your Effective rate is what matters in retirement- When you're contributing to a retirement account, you probably want to look at your marginal tax rate. That's the tax rate you pay on an additional dollar of income. The reason is because the next dollar that you contribute to your retirement account would normally be taxed at the marginal tax rate. You need to use a lower marginal rate while calculating how much taxes you will pay after retirement.</li>\n\t<li>Higher taxes are highly unlikely- Tax rates may be higher when you retire. It is likely that any higher rates would only be on the upper brackets, which may either only apply to a portion of your income or not apply to you at all. The government also doesn’t want to increase the taxes of senior citizens so it is unlikely that the taxes will be higher.</li>\n</ol>\n\n<p>HDFC Life has a lot of smart <a href="https://www.hdfclife.com/retirement-and-pension-plans">retirement plans</a> to help you plan your future as per your requirement. Choose a plan today and secure yourself financially.</p>\n\n<p><a href="https://www.hdfclife.com/online-life-insurance-plans">https://www.hdfclife.com/online-life-insurance-plans</a></p>\n\n<p> </p>', 'title': 'Why your Taxes in Retirement Maybe Less than you think', 'tags': ['Retirement', 'Health', 'Investment', 'Tax', 'Insurance Basics', 'Child'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'QROPS for NRIs/PIOs - UK Pension Transfer Scheme', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'QROPS is a fund transfer scheme provided by HMRC for expats when they are moving out of UK. It provides tax efficiency, fund mobility & ROI, To know more about QROPS, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'qrops, qrops india, fund transfer scheme, overseas pension scheme', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Retirement:QROPS\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Retirement\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Retirement:QROPS\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/retirement-planning/qrops-uk-pension-transfer-scheme', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Plan Your Retirement Now', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/retirement-and-pension-plans/pension-guaranteed-plan?source=NW_KC_PlanRW_13&agentcode=00399206', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 39, 'slug': 'qrops-uk-pension-transfer-scheme', 'excerpt': 'QROPS (Qualifying Recognised Overseas Pension Scheme) is a fund transfer scheme provided by HMRC for expats when they are moving out of UK. QROPS provides tax efficiency, fund mobility & higher returns on investment (in India).', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_tile.jpg', 'image': {'banner': '5AZaq8gAHtC22Qz'}, 'banner_image': {'id': '5AZaq8gAHtC22Qz', 'alt': {'en': 'QROPS - UK Pension Transfer Scheme'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_thumb.jpg'}, 'view_count': 802, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-07T08:02:00Z', 'url': '/insurance-knowledge-centre/retirement-planning/qrops-uk-pension-transfer-scheme', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_PYR_4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">QROPS (Qualifying Recognised Overseas Pension Scheme) is a fund transfer scheme provided by HMRC for expats when they are moving out of UK. QROPS provides tax efficiency, fund mobility & returns on investment (in India).</p>\n\n<p class="float-left"><strong>QROPS... </strong> If at any point in time you have worked in the UK and have accumulated a pension fund there, in all probabilities you would know about this term. In layman's term QROPS is an option provided by HMRC (Her Majesty Revenue & Customes - the UK based regulator), to facilitate funds transfers for expats when they are moving out of UK, either back to India or anywhere else across the world. It stands for Qualifying Recognised Overseas <a href="https://www.hdfclife.com/retirement-and-pension-plans/pension-guaranteed-plan" target="_blank">Pension Scheme</a>. The key advantages of QROPS lie in tax efficiency *, mobility it offers you to take your funds where you go and gaining from an upside by investing in countries like India which offer a higher yield.</p>\n\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<h3>Why QROPS?</h3>\n\n<p>Lets imagine a scenario where you do not have an option of transferring your accumulated funds to a QROPS? The options left to you are:</p>\n\n<ol class="ol-list" style="margin-bottom:10px;">\n\t<li>\n\t<p>Withdraw accumulated fund when you move out and end up paying a tax surcharge in the UK as which at times are as high as 55% on the entire corpus</p>\n\t</li>\n\t<li>\n\t<p>Wait till you attain pensionable age, and utilize your funds either through annuity or in the form of income draw down as per limit defined by HMRC</p>\n\t</li>\n\t<li>\n\t<p>Once you attain pensionable age you also have an option to withdraw 25% of your corpus as tax free amount</p>\n\t</li>\n</ol>\n\n<p>However, if we look at options offered by QROPS, it definitely comes across as a good option which is allowed by Her Majesty Revenue & Customs</p>\n\n<ol class="ol-list" style="margin-bottom:10px;">\n\t<li>\n\t<p>Not withdrawing your funds in the UK and and transferring the same through QROPS, provides you with a tax efficient method to transfer your funds</p>\n\t</li>\n\t<li>\n\t<p>You tend to gain from higher annuity rates and more options vis-a-vis what you would get in the UK</p>\n\t</li>\n\t<li>\n\t<p>You also have an option of utilizing your funds to further enhance your corpus and hence gain from the higher cost of capital vis-a-vis what you get in the UK</p>\n\t</li>\n\t<li>\n\t<p>With a large no of products, QROPS also offers you a wide range of products to choose from, and to choose products that best serve your requirements</p>\n\t</li>\n</ol>\n\n<p>Broadly, for any individual, the QROPS comes across as an excellent option to not tax efficiently manage the funds but also in terms of deciding where exactly the fund should be utilized</p>\n\n<h3>QROPS in India</h3>\n\n<p>QROPS in India remains largely an untapped market and less known of an option. This is primarily on the ground of lack of awareness about QROPS and its process, availability of suitable and qualified product for such transfers, and seamless process flow right from the time the customer thinks of QROPS to the time funds are transferred. Tackling the issues of awareness, product and seamless processing, this is a huge opportunity for QROPS market in India, given the number of NRIs who either have already come back to India or are planning to come back and have a pension corpus lying in the UK.</p>\n\n<h3><a href="/retirement-and-pension-plans/qrops-overseas-pension-scheme" target="_blank">QROPS in HDFC Life</a></h3>\n\n<p>At HDFC Life we launched QROPS transfers in the 2013-14, and the response we received has been very encouraging. The key customer needs that we have identified and addressed are product and support.</p>\n\n<p>Having a suitable and qualified product is a must. Historically also, HDFC Life has been a strong promoter of retirement products. With all our 5 Retirement Solution products registered with HMRC as QROPS, we have the capability to offer the customers a wide range of products to choose from.</p>\n\n<p>One of our values being Customer Centricity, any process we design is keeping the customer in mind, with an endeavor to offer a seamless, hassle free experience. With a dedicated team handling QROPS transfers, its our attempt to give customised attention to each customer.</p>\n\n<div class="disclaimer outer-box mrgn-top10">\n<h3 class="disclaimer-heading">Disclaimer:</h3>\n\n<p>*Tax laws are subject to change, we advice you to consult your tax advisor for details.</p>\n</div>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>\n\n<h3>Tax Definitions:</h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/taxation-in-india/Service-Tax/" target="_blank" title="Service Tax In India">Service Tax</a></li>\n\t<li><a href="/insurance-knowledge-centre/taxation-in-india/What-is-VAT/" target="_blank" title="VAT In India">VAT</a></li>\n</ul>', 'title': 'QROPS - UK Pension Transfer Scheme', 'tags': ['Retirement', 'Tax', 'Insurance Basics', 'Child', 'Investment', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Key Impact of Inflation on Your Savings | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'HDFC Life explains giving reasons that how inflation can affect your budget overtime & why it cannot be ignored to have a secured retired life. Read to know!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'how inflation affects your money, how inflation erodes savings, impact of inflation', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Retirement:Inflation Impact on Savings\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Retirement\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Retirement:Inflation Impact on Savings\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/retirement-planning/inflation-impact-on-savings/', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'View Savings Plan', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/savings-plans/sanchay-plus', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 44, 'slug': 'inflation-impact-on-savings', 'excerpt': 'Living long is everyone’s dream but outliving your finances can turn it into a nightmare. Spiraling cost of basic amenities is a constant threat to retirement savings.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'image': {'banner': 'zXCXFNMpEpXGfij'}, 'banner_image': {'id': 'zXCXFNMpEpXGfij', 'alt': {'en': 'What are Unit-linked Pension Plans'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg'}, 'view_count': 1663, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-08T10:59:00Z', 'url': '/insurance-knowledge-centre/retirement-planning/inflation-impact-on-savings', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_PYR_2">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Living long is everyone’s dream but outliving your finances can turn it into a nightmare. Spiraling cost of basic amenities is a constant threat to retirement savings. Better known as inflation, it is the single largest menace that gnaws away any form of savings.</p>\n\n<p>Because inflation is like a silent operator working in the background, most individuals never notice its eroding effects on their finances, until it’s too late.</p>\n\n<p>Inflation has a dual impact on the investor’s hard-earned savings. It not only erodes the current purchasing power of money it also magnifies the monetary requirements for the future.</p>\n\n<p>Therefore the all-important question for the investor is – will his savings withstand the eroding effect of inflation?</p>\n\n<p>Take an investor setting aside Rs 10,000 every month in a <a href="/savings-investment-plans" target="_blank" title="savings plan">savings plan</a> that fetches 10% return. Over 30 years, his corpus will grow to Rs 2,26,04,879, which in his view is a reasonable sum to meet his financial needs at that time.</p>\n\n<p>This is of course the amount he will save, untouched by inflation.</p>\n\n<p>Once you consider inflation – say 5%, then over a 30-Yr period, the sum will halved to Rs 1,13,02,440.</p>\n\n<p>The 10% rate of return on the investment appears reasonable at first, until you factor in 5% inflation. This is the real rate of return – which is what matters at the end of the day.</p>\n\n<p>One way to counter the eroding effects of inflation is by investing a significant portion of savings in equities – like a unit-linked plan (<a href="/insurance-knowledge-centre/about-life-insurance/what-is-ulip-plans/" target="_blank" title="Definition and Meaning of ULIP">ULIP</a>), particularly at a younger age when the investor has the appetite for risk.</p>\n\n<p>The point to remember at all times is to earn a return good enough to go one up on inflation.</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/financial-tools-calculators/retirement-planning-calculator" target="_blank" title="Retirement Planner Calculator">Retirement Planner Calculator</a></li>\n\t<li><a href="/retirement-and-pension-plans/why-retirement-plan" target="_blank" title="Why do I need a Retirement Plan?">Why do I need a Retirement Plan?</a></li>\n\t<li><a href="/retirement-and-pension-plans" target="_blank" title="List of Retirement & Pension Plans">List of Retirement & Pension Plans</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-secure-family-future" target="_blank" title="Securing Family Future with Life Insurance">How to Secure Family Future</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank" title="Choosing the Best Life Insurance Policy">How to Choose the Best Life Insurance Policy</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/" target="_blank" title="Investment for Future Planning">Investment for Future Planning</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/income-protection/" target="_blank" title="How to Safeguard Money">Tips to Save Money</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/my-money-works-for-me/" target="_blank" title="How to make Money Work for you">How to make Money Work for you</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/portfolio-risk/" target="_blank" title="Managing Investment Portfolio">How to Manage Investment Portfolio</a></li>\n\t<li><a href="http://blog.hdfclife.com/early-financial-planning-532250" target="_blank" title="Early Financial Planning">Benefits of Early Financial Planning for Parents</a></li>\n\t<li><a href="http://blog.hdfclife.com/5-steps-to-successful-financial-planning-for-urban-women-532180" target="_blank" title="Financial Planning for Women">Successful Financial Planning for Women</a></li>\n\t<li><a href="/savings-investment-plans/super-savings-plan" target="_blank" title="Best Savings Plan">HDFC Life Super Savings Plan - Best Savings Plan in India for Long Term Investment</a></li>\n</ul>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/features-of-savings-insurance-plans" target="_blank">Features of Savings Insurance Plans that You Should Know</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/insurance-savings-investments-plans" target="_blank">Tools and guides - Insurance, Savings, Investments</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/traditional-savings-vs-planned-risks" target="_blank">Traditional Savings vs. Planned Risks - What to Choose?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/financial-planning-tips-beginners" target="_blank">Early Financial Planning Tips for Beginners - Guide to Save Money</a></li>\n</ul>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'title': 'How Inflation Erodes Savings over the Years?', 'tags': ['Retirement', 'Tax', 'Insurance Basics', 'Child', 'Investment', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Unit Linked Pension & Retirement Plans - Overview by HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Unit linked Pension Plans are market-linked products suitable for individuals looking for a long-term option to invest in. To know more about Unit-linked Pension Plans, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'what is ulip, about ulip plan, unit linked pension plan', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Retirement:Unit Linked Pension Plans\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Retirement\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Retirement:Unit Linked Pension Plans\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/retirement-planning/unit-linked-pension-plans', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 41, 'slug': 'unit-linked-pension-plans', 'excerpt': 'Everyone wants to retire in a position where they are assured of financial security and peace of mind. This is very much possible if they have planned ahead for retirement by 20-30 years in their working life. One of the ways to plan for retirement is with a unit-linked pension plan.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'image': {'banner': 'zXCXFNMpEpXGfij'}, 'banner_image': {'id': 'zXCXFNMpEpXGfij', 'alt': {'en': 'What are Unit-linked Pension Plans'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg'}, 'view_count': 3141, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-07T08:15:00Z', 'url': '/insurance-knowledge-centre/retirement-planning/unit-linked-pension-plans', 'content': '<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_PYR_4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Everyone wants to retire in a position where they are assured of financial security and peace of mind. This is very much possible if they have planned ahead for retirement by 20-30 years in their working life. One of the ways to plan for retirement is with a unit-linked pension plan.</p>\n\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<div class="description">\n<p style="padding-right: 30px;">Unit-linked <a href="/retirement-and-pension-plans" target="_blank" title="Retirement Plans by HDFC Life">retirement plan</a> or Pension ULIPs are market-linked pension products offered by life insurance companies. They are suitable for individuals looking for a long-term retirement plan that doubles up as an investment.</p>\n</div>\n</div>\n</div>\n\n<div class="inner-plans-wrp generic ">\n<p>Pension plans typically did not offer a sum assured in the past. They were investment-oriented as opposed to insurance-oriented and hence did not provide a life cover.</p>\n\n<p>This changed with effect from September 1, 2010 when pension plans were mandated by the IRDA (Insurance Regulatory and Development Authority of India) to provide life / health cover and a minimum guarantee of 4.5%. <a href="https://www.hdfclife.com/ulip-plans" target="_blank">Unit linked insurance plans</a> have a minimum lock-in of five years and it’s no different with unit-linked pension plans.</p>\n\n<h2><strong>How unit-linked pension plans work? </strong></h2>\n\n<p>Pension <a href="https://www.hdfclife.com/ulip-plans" target="_blank">ULIPs</a> are different from traditional pension plans in terms of investments. While ULIPs invest in equity markets among other investments, traditional pension plans invest mainly in bond and government securities (gsecs or gilts) markets.</p>\n\n<p>Expectedly returns of traditional pension plans are stable and therefore more suitable for risk adverse investors. Unit-linked <a href="/retirement-and-pension-plans/click-2-retire" target="_blank" title="Online Unit Linked Pension Plan by HDFC Life">pension scheme</a> is ideal for risk-taking investors given the volatility of equities. Having said that, since equities outperform other asset classes like bonds over the long-term, the investor stands a better chance of accumulating a larger corpus over the long-term by investing in a pension ULIP.</p>\n\n<p>In terms of tax benefits however, there is no difference between the two plans. Premiums paid towards the plans are eligible for tax exemption under the broader Section 80C upto a maximum of Rs 1,50,000 annually.</p>\n\n<p style="text-align:center;"><a class="btn btn-primary btn-fulid" href="https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/personal-pension-plus?source=W_TEBT_BodyBO_KC_PRR" style="text-align: center; width: 50%; font-size: 20px; text-transform: none;" target="_blank">Calculate Premium >></a></p>\n</div>\n</div>\n</div>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/safe-investment-options-in-india-for-2015" target="_blank" title="5 Safe Investment Options In India">Safe Investment Options in India</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/safe-investment-options-in-india-for-2015" target="_blank" title="Online ULIP Plan in India">HDFC Life Click2Invest - ULIP Plan in India</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/national-pension-scheme" target="_blank" title="National Pension Scheme in India">What is National Pension Scheme (NPS)?</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Income Tax Slab For FY 2017-18">Income Tax 2017-18</a></li>\n</ul>\n\n<h3><strong>Popular Insurance Definitions:</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/insurance-definitions/what-is-cancer-insurance/" target="_blank" title="Definition Of Cancer Insurance">What is Cancer Insurance?</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/what-is-health-insurance" target="_blank" title="Meaning Of Health Insurance">What is Health Insurance?</a></li>\n\t<li><a href="/insurance-knowledge-centre/insurance-definitions/what-is-insurance-premium/" target="_blank" title="Meaning Of Insurance Premium">What Is Insurance Premium?</a></li>\n</ul>\n\n<p> </p>\n</article>\n</div>\n</div>', 'title': 'What are Unit-linked Pension Plans', 'tags': ['Retirement', 'Tax', 'Insurance Basics', 'Child', 'Investment', 'Health'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': '9nyI25rTFvvJfJJ', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'INVESTMENT - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Investment', 'alt': None, 'icon_url': None, 'label': 'INVESTMENT - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Understand the Power of Compounding: Why To Start Investing Early | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Compounding is a great way to build wealth by earning a return on return. HDFC Life helps you get a glimpse of the power of compounding in your investments. To more about, Visit Now !', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'power of compounding, life insurance, investment planning, power of compound, power of compounding calculator', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:Power of Compounding\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:Power of Compounding\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'In Unit Linked policies, the investment risk in the investment portfolio is borne by the policyholder.', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/investment-for-future-planning/power-of-compounding', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'investment-for-future-planning'], 'id': 46, 'slug': 'power-of-compounding', 'excerpt': 'Compounding is a great way to build wealth by earning a return on return. HDFC Life helps you get a glimpse of the power of compounding in your investments. Read more about the power of compounding before you plan your next investment to reap maximum benefits.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_tile.jpg', 'image': {'banner': 'oxmyuiqOpsWCwk8'}, 'banner_image': {'id': 'oxmyuiqOpsWCwk8', 'alt': {'en': 'Power of Compounding'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_thumb.jpg'}, 'view_count': 9332, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_thumb.jpg', 'category_url': '/insurance-knowledge-centre/investment-for-future-planning/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2018-04-04T19:33:00Z', 'url': '/insurance-knowledge-centre/investment-for-future-planning/power-of-compounding', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage"><!--<div class="contentInner">\r\n \r\n <div class="contDesc">\r\n <p>\r\n A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.\r\n </p>\r\n </div>\r\n <div class="commentBox commentSection clearfix">\r\n <div class="date pull-left">\r\n <span>PUBLISHED</span> 12 JUL 2014\r\n </div>\r\n </div>\r\n <div class="imgBlock">\r\n <img src="../../iwov-resources/image/knowledge/21.jpg" alt="">\r\n </div>\r\n </div>-->\n<div class="scrollBlock">\n<article class="innerBlk" id="section52">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">If the investor is looking for an ally to help him amass serious wealth over time, he need look no further than compounding or rather the power of compounding.</p>\n\n<p class="float-left">Compounding is a great way to build wealth so long as you have time. Simply put compounding is earning a return on return. So the more time you have at your disposal the more likely you are to end up richer. Successful investment planning is all about making the most of compounding by getting time on your side.</p>\n\n<p class="float-left">This is what Seeta learnt the hard way.</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>Seeta, the happy go-lucky one, is in her first job. She earns a monthly take home of Rs 30,000. She doesn’t save much, splurging most of her salary on outings, movies and shopping.</p>\n\n<p>Her colleague Geeta is the more conservative one, aiming at saving as much as possible. Also earning a salary of Rs 30,000, Geeta manages to set aside 10% of her salary (Rs 3,000) every month towards an investment plan. She continues at it for a period of 30 years.</p>\n\n<p>Geeta’s zeal for saving money is quite infectious and wins over Seeta. After frittering away her salary over aimless consumption, Seeta finally sees the light. Following Geeta’s footsteps, she also saves Rs 3,000 every month towards an investment plan. She begins saving 10 years later than Geeta, which means she gets 20 years</p>\n\n<p><strong>Seeta and Geeta – Round I</strong></p>\n\n<table border="1" style="border-color: #000; background-color: #fff;" width="510">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p> </p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p><strong>Geeta</strong></p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p><strong>Seeta</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Monthly SIP (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p>3,000</p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p> 3,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Assumed rate of return (CAGR)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Investment period (months)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p>360</p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p>40</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Value of investment at end of tenure (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p><strong>10,484,892 </strong></p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p><strong>2,967,766 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p><strong>The mistake of starting later has cost Seeta (Rs)</strong></p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p><strong> </strong></p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p><strong>7,517,126 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p>Clearly, Seeta lags her colleague a great deal at the end of the investment time frame. To be precise she is behind Geeta by over Rs 75 lakhs!</p>\n\n<p><strong>What if Seeta had to play catch up with more money? </strong></p>\n\n<p>Seeta believes that if she doubles or triples her monthly investments, she can catch up easily with Geeta.</p>\n\n<p>Let’s see if Seeta can catch up by tripling her monthly investment to Rs 9,000 a month.</p>\n\n<p><strong>Seeta and Geeta – Round II</strong></p>\n\n<table border="1" style="border-color: #000; background-color: #fff;" width="471">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p> </p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p><strong>Geeta</strong></p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p><strong>Seeta</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Monthly SIP (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p>3,000</p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p>9,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Assumed rate of return (CAGR)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Investment period (months)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p>360</p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p>240</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Value of investment at end of tenure (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p><strong>10,484,892 </strong></p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p><strong>8,903,298 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p><strong>The mistake of starting later has cost Seeta (Rs)</strong></p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p><strong> </strong></p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p><strong>1,581,594 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p><strong> </strong></p>\n\n<p>The bad news for Seeta is that even after tripling her monthly investments to Rs 9,000 from Rs 3,000 earlier, she fails to catch up with Geeta. She is short by more than Rs 15 lakhs in Round II.</p>\n\n<p><strong>Time is a friend and a foe</strong></p>\n\n<p>The biggest takeaway from the Seeta vs Geeta episode is the importance of time. A delay of a few years can set you back considerably. Power of compounding works best when you give it time. Time makes it even more powerful so to speak.</p>\n\n<p>In our illustration even if Seeta was five years later than Geeta she would have been short by over Rs 48 lakhs at the end of the investment period.</p>\n\n<p>Had she been only three years late, she would have been short by over Rs 32 lakhs.</p>\n\n<p>Had she been only two years late, she would have been short by over Rs 22 lakhs.</p>\n\n<p>Had she been only a year late, she would have been short by over Rs 12 lakhs.</p>\n\n<p>It must be clear by now the importance of time in reaping the benefits of <a href="/savings-investment-plans/financial-planning" target="_blank" title="Investment Planning Guide by HDFC Life">investment planning</a>.</p>\n\n<p>Some investments that help you make the most of the power of compounding include life insurance, mutual funds or even the humble fixed deposit. You need an <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/investment-plans-comparison" target="_blank" title="Savings & Investment Plan by HDFC Life">investment plan</a> that includes all these in varying proportions based on your risk profile and objectives.</p>\n\n<p> </p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/income-protection/" target="_blank" title="Money Saving Options">Learn How To Save Money</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/my-money-works-for-me/" target="_blank" title="Tips For Building Wealth By HDFC Life">How To Make Money Work For You?</a></li>\n\t<li><a href="/nri-insurance-plans" target="_blank" title="NRI Insurance">NRI Life Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/money-back-plans-comparison" target="_blank">Money Back Plans Comparison</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Tax Slab For FY 2017-18">Income Tax Rate 2017-18</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'Power Of Compounding And Early Investing', 'tags': ['Investment', 'Child', 'Insurance Basics', 'Tax', 'Retirement', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Tips on How to Safeguard Your Income - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': ' Safeguarding one’s earnings needs to be high on one’s priority list. HDFC Life provides insights into various options that you can consider to protect your income in future uncertainties. Visit Now', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'how to safeguard your earnings, how to save your money', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:Income Protection\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:Income Protection\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'In Unit Linked policies, the investment risk in the investment portfolio is borne by the policyholder.', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/investment-for-future-planning/income-protection/', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'investment-for-future-planning'], 'id': 56, 'slug': 'income-protection', 'excerpt': 'Most individuals underestimate the importance of regular and steady income until they run headlong into a crisis, such as an accident, an illness, a job loss or just plain retirement. It’s only then that the importance of preserving one’s earnings gets the attention it deserves.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_tile.jpg', 'image': {'banner': 'qNt6rPpIjMlT9tI'}, 'banner_image': {'id': 'qNt6rPpIjMlT9tI', 'alt': {'en': 'Long Term Investment Options'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_thumb.jpg'}, 'view_count': 1440, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_thumb.jpg', 'category_url': '/insurance-knowledge-centre/investment-for-future-planning/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-08T06:14:00Z', 'url': '/insurance-knowledge-centre/investment-for-future-planning/income-protection', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage"><!--<div class="contentInner">\r\n \r\n <div class="contDesc">\r\n <p>\r\n A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.\r\n </p>\r\n </div>\r\n <div class="commentBox commentSection clearfix">\r\n <div class="date pull-left">\r\n <span>PUBLISHED</span> 12 JUL 2014\r\n </div>\r\n </div>\r\n <div class="imgBlock">\r\n <img src="../../iwov-resources/image/knowledge/21.jpg" alt="">\r\n </div>\r\n </div>-->\n<div class="scrollBlock">\n<article class="innerBlk" id="section51">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Most individuals underestimate the importance of regular and steady income until they run headlong into a crisis, such as an accident, an illness, a job loss or just plain retirement. It’s only then that the importance of preserving one’s earnings gets the attention it deserves.\u200b</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<div class="description">\n<p style="padding-right: 30px;"><script type="text/javascript">(function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_US/all.js#xfbml=1"; fjs.parentNode.insertBefore(js, fjs); }\r\n(document, \'script\', \'facebook-jssdk\'));</script></p>\n</div>\n</div>\n\n<div class="rating-wrp" style="display:none">\n<div class="IconRating">\n<div class="IconRatingSummaryText">\n<p>Rated </p>\n\n<p class="IconRatingAverageRatingValueText">3.46</p>\n\n<p>/5 (</p>\n\n<p class="IconRatingCountValueText">102</p>\n\n<p> Votes)</p>\n</div>\n\n<div class="IconRatingInnerContainer">\n<p class="IconRatingSelector"> </p>\n</div>\n</div>\n\n<p><script language="JavaScript">\r\nvar rc = new IconRatingSelector(\'C_1374164394452\', \'/iwov-resources/image/index/star-on.png\', \'/iwov-resources/image/index/star-off.png\', \'/iwov-resources/image/index/star-on.png\', \'/iwov-resources/image/index/star-off.png\', \'/hdfclifeprod/insurancemanager/safeguard_earnings/1374164394452.ajax?=\');\r\n\r\nrc.setEnabled(true);\r\n </script></p>\n</div>\n</div>\n\n<div class="inner-plans-wrp generic ">\n<p>To be sure, safeguarding one’s earnings needs to be high on one’s priority list. All it takes is one disaster to wipe away a considerable portion of one’s hard earned money. This is why one needs to prepare for untimely events to safeguard the finances of the family.</p>\n\n<ul>\n\t<li>\n\t<h3><strong>Take insurance to cover contingencies</strong></h3>\n\t</li>\n</ul>\n\n<p>To insulate your earnings from unforeseen events and contingencies, consider a<a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-life-insurance/" target="_blank"> life insurance plan</a> that includes protection against accidents, illness and death. There are several protection plans and savings and investment plans, both in the traditional and market-linked segments, which achieve this effectively.</p>\n\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n\t<li>\n\t<h3><strong>Rein in inflation </strong></h3>\n\n\t<p>Disasters apart, inflation is the single most underrated destroyer of financial value – a silent killer of sorts. Investors must take deliberate action to counter the eroding effects of inflation by opting for a <a href="/savings-investment-plans" target="_blank" title="savings and investment plans">savings and investment plan</a> that has a fair share of assets like equities that counter inflation effectively.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Plan for retirement </strong></h3>\n\n\t<p>Planning for retirement by way of pension plans, among other avenues, provides income protection in the later years. Younger individuals who opt for pension get in the habit of setting aside income in their earning years and thereby preserve their income from erosion and wasteful expenditure.</p>\n\t</li>\n</ul>\n\n<p> </p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/my-money-works-for-me" target="_blank" title="How to make your money work for you?">How to make your money work for you?</a></li>\n\t<li><a href="https://onlineinsurance.hdfclife.com/?source=W_TC_HP_LHS_EFU" target="_blank" title="Buy Online Investment Plans">Buy Online Investment Plans</a></li>\n\t<li><a href="http://blog.hdfclife.com/financial-adequacy-plan-vs-management-532110" target="_blank" title="Financial Adequacy: Plan Vs. Management">Financial Adequacy: Plan Vs. Management</a></li>\n\t<li><a href="http://blog.hdfclife.com/wealth-creation-with-insurance-part-1-532340" target="_blank" title="6 Principles Responsible for Wealth Creation">6 Principles Responsible for Wealth Creation</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-secure-family-future" target="_blank" title="Securing Family Future with Life Insurance">How to Secure Family Future</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank" title="Choosing the Best Life Insurance Policy">How to Choose the Best Life Insurance Policy</a></li>\n\t<li><a href="/insurance-knowledge-centre/retirement-planning/inflation-impact-on-savings/" target="_blank" title="Impact of Inflation on Savings">Impact of Inflation on Savings</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/" target="_blank" title="Investment for Future Planning">Investment for Future Planning</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/portfolio-risk/" target="_blank" title="Managing Investment Portfolio">How to Manage Investment Portfolio</a></li>\n\t<li><a href="http://blog.hdfclife.com/early-financial-planning-532250" target="_blank" title="Early Financial Planning">Benefits of Early Financial Planning for Parents</a></li>\n\t<li><a href="http://blog.hdfclife.com/5-steps-to-successful-financial-planning-for-urban-women-532180" target="_blank" title="Financial Planning for Women">Successful Financial Planning for Women</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slab">Income Tax Slab</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Income Tax Rule 2017">Income Tax Rates For AY 2018-19</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'How to save your money?', 'tags': ['Investment', 'Child', 'Insurance Basics', 'Tax', 'Retirement', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Step by Step Guide On How to Choose Right Investment Plan | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Once you have identified the need to take life insurance you should know about getting some basic steps to select the right insurance policy.\u200b To know step by step guide on investment plan, visit now', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'investment plan, investment option, step to choose investment plan', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:Right Insurance Plan\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:Right Insurance Plan\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'In Unit Linked policies, the investment risk in the investment portfolio is borne by the policyholder.', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/investment-for-future-planning/right-insurance-plan', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'investment-for-future-planning'], 'id': 58, 'slug': 'right-insurance-plan', 'excerpt': 'Once you have identified the need to take life insurance you should know about getting some basic steps right to select the right insurance policy.Select the right insurance plan in 3 easy steps:- 1)Engage an insurance advisor , 2) Calculate the life cover, 3) Compare insurance plans', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_tile.jpg', 'image': {'banner': 'k3VX8j3I1KMnM54'}, 'banner_image': {'id': 'k3VX8j3I1KMnM54', 'alt': {'en': 'Investment Plans'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_thumb.jpg'}, 'view_count': 1441, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_thumb.jpg', 'category_url': '/insurance-knowledge-centre/investment-for-future-planning/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-09T04:47:00Z', 'url': '/insurance-knowledge-centre/investment-for-future-planning/right-insurance-plan', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage"><!--<div class="contentInner">\r\n \r\n <div class="contDesc">\r\n <p>\r\n A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.\r\n </p>\r\n </div>\r\n <div class="commentBox commentSection clearfix">\r\n <div class="date pull-left">\r\n <span>PUBLISHED</span> 12 JUL 2014\r\n </div>\r\n </div>\r\n <div class="imgBlock">\r\n <img src="../../iwov-resources/image/knowledge/21.jpg" alt="">\r\n </div>\r\n </div>-->\n<div class="scrollBlock">\n<article class="innerBlk" id="section52">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Once you have identified the need to take life insurance you should know about getting some basic steps right to select the right insurance policy.\u200b</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<h3><strong>Select the right insurance plan in 3 easy steps</strong></h3>\n\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n\t<li><strong>Engage an insurance advisor</strong>\n\n\t<p>While this may seem trivial, engaging a reliable and competent insurance advisor at the initial stage in your quest for <a href="/" target="_blank">life insurance</a> is critical. Most individuals are not capacitated to take a decision by themselves and need the expertise of an insurance advisor.</p>\n\t</li>\n\t<li><strong>Calculate the life cover</strong>\n\t<p>The insurance advisor will help you calculate the amount of life cover – or the sum assured. He will assess sources of your income, number of your dependents, your debts and liabilities and your expenses based on your lifestyle and arrive at a life cover. He will also decide the best plan, be it a <a href="/term-insurance-plans/need-for-protection-plan" target="_blank">term plan</a>, endowment plan, unit-link plan or a combination of plans, to help provide you with an optimum life cover.</p>\n\n\t<p>Likewise, if you have other needs like planning for your child’s education or marriage, pension for your retirement, a woman’s insurance plan for women, trust your advisor to do the math and come up with an ideal solution.</p>\n\t</li>\n\t<li><strong>Compare insurance plans</strong>\n\t<p>Since there are many insurance companies in the market offering a variety of plans, you need to be sure you select the most suitable one. The insurance advisor will do the <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/health-insurance-comparison" target="_blank">comparing plans</a> from various insurers across relevant parameters recommending the most apt plan based on your needs.</p>\n\t</li>\n</ul>\n\n<p> </p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/savings-investment-plans/financial-planning" target="_blank" title="Why do I need Savings & Investment Plans?">Why do I need Savings & Investment Plans?</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/income-protection" target="_blank" title="How to safeguard your earnings?">How to safeguard your earnings?</a></li>\n\t<li><a href="https://onlineinsurance.hdfclife.com/" target="_blank" title="Buy Online Investment Plans">Buy Online Investment Plans</a></li>\n\t<li><a href="http://blog.hdfclife.com/financial-awareness-a-pre-requisite-for-financial-planning-532120" target="_blank" title="Financial Awareness: A Pre-requisite for Financial Planning">Financial Awareness: A Pre-requisite for Financial Planning</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'How do I choose the right investment plan ?', 'tags': ['Investment', 'Child', 'Insurance Basics', 'Tax', 'Retirement', 'Health'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'FNNnDuFoTO94BTx', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'INSURANCE BASICS - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Insurance Basics', 'alt': None, 'icon_url': None, 'label': 'INSURANCE BASICS - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'A Game Plan: Protect Your Loved Ones | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Being in a family is like being in a team, and everybody has to work together for a secure financial future. To know more about protection plan, Click here!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'secure financial future, financial goals, life insurance plans', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/Protect-Your-Loved-Ones', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 246, 'slug': 'Protect-Your-Loved-Ones', 'excerpt': 'The Indian Premier League (IPL) revolutionised cricket in India 10 years ago. It allowed us to watch all our favourite cricketers together on the same team, and we watched in awe and men from different countries worked together to get their team to the victory podium.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_tile.jpg', 'image': {'banner': 'jqGpkFkPmJC5hjY'}, 'banner_image': {'id': 'jqGpkFkPmJC5hjY', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_thumb.jpg'}, 'view_count': 4179912, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2017-05-24T10:28:03Z', 'url': '/insurance-knowledge-centre/about-life-insurance/Protect-Your-Loved-Ones', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>The Indian Premier League (IPL) revolutionised cricket in India 10 years ago. It allowed us to watch all our favourite cricketers together on the same team, and we watched in awe and men from different countries worked together to get their team to the victory podium. But, IPL's biggest gift has been Chris Gayle. Over the last few years, Gayle has become one of India's favourite batsmen, despite the fact that he hails from Jamaica and plays for the West Indies.</p>\n\n<p>Gayle has been the Royal Challengers biggest ticket to fame and success over the last 10 years of the IPL, but can he alone take the team to victory? Unfortunately, he can't. Cricket is a team sport, and there have been times when Gayle has not been able to consistently perform and the other team members have had to perform their magic. No doubt, Gayle's personal career may have taken a backseat, but as a team player, it's always important to put the team first. In any team sport, be it cricket, football, basketball or hockey, everybody has to work together for success. If a single player intends on playing a one-man game, more often than not, it will lead to failure.</p>\n\n<p>Why is this important? Well, life can sometimes be like a game of cricket. There may be times when you think you can hit a boundary, but it may be safer, and better in the long run to swing your bat and hope for just one or two runs. There are times when you may want to do everything for those you love, but it won't always be possible. Being in a family is like being in a team, and everybody has to work together for a <a href="https://onlineinsurance.hdfclife.com/ocp?revampflag=Y&prodcd=C2P3DPER&source=M_knowledgecentre_C2P3D_AGamePlan_May2017&agentcode=00399206&journey=SH" target="_blank">secure financial future</a>.</p>\n\n<p>When you're young, and you just start working, you should talk to your parents about your financial responsibilities at home. Contribute some amount to household expenses, and think about getting yourself insured with various insurance plans. In the case of a medical emergency, you won't have to rely on your parents or their finances to pay off hospital bills. You and your parents work together as a team, so it's important to consider their finances and needs as well before making any important decisions.</p>\n\n<p>If you're thinking about settling down and getting married, it's imperative that you have a discussion about finances with your future spouse. When you get married, you need to decide who will take care of what expenses, and if you both intend on continuing work once you plan to start a family. You and your spouse will have to pool your finances together to meet all your<a href="https://onlineinsurance.hdfclife.com/ocp?revampflag=Y&prodcd=C2P3DPER&source=M_knowledgecentre_C2P3D_AGamePlan_May2017&agentcode=00399206&journey=SH" target="_blank"> financial goals</a><!-- https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan?source=M_knowledgecentre_C2I_AGamePlan_May2017\n\n\n -->. At times like this, you can think about getting a <a href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-life" target="_blank">life insurance plan</a> for yourself and your spouse, to secure your family's financial future. Once you decide to have children, you can even consider building up a corpus for your child to use when he or she grows up.</p>\n\n<p>When taking on life, it's important to remember that apart from your family, your best team mate is probably a good <a href="/insurance-plans?source=M_knowledgecentre_C2P3D_AGamePlan_May2017&utm_medium=content" target="_blank" title="Life Insurance">insurance policies</a> insurance policies for life, health and investment. Insurance will look after you when you're unfit and unable to step up to bat, and will also look after the rest of the team if you decide to retire from the game.</p>\n\n<p><strong>Similar Articles:</strong></p>\n\n<ul>\n\t<li><a href="/term-insurance-plans/click-2-protect-life" target="_blank" title="Online Term Insurance">online term plan</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/best-long-term-investment-options-in-2015" target="_blank" title="Long Term Investments">Long Term Investment Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Indian Tax System">Tax Structure In India</a></li>\n</ul>', 'title': 'A Game Plan: Protect Your Loved Ones', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Securing the Future for Your Loved Ones | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': "Secure your and your family's future with online term insurance by HDFC Life with 3D protection option", 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'secure your future, term plan for family, term insurance for families', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/Securing-the-Future-for-Your-Loved-Ones', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 247, 'slug': 'Securing-the-Future-for-Your-Loved-Ones', 'excerpt': 'The Indian Premier League (IPL) revolutionised cricket in India 10 years ago. It allowed us to watch all our favourite cricketers together on the same team, and we watched in awe and men from different countries worked together to get their team to the victory podium.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_tile.jpg', 'image': {'banner': 'G33vUIRXifzSWd7'}, 'banner_image': {'id': 'G33vUIRXifzSWd7', 'alt': {'en': 'Securing the Future for Your Loved Ones'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_thumb.jpg'}, 'view_count': 4179047, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2017-05-24T10:28:02Z', 'url': '/insurance-knowledge-centre/about-life-insurance/Securing-the-Future-for-Your-Loved-Ones', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>Hello there, my name is Amit. I have been living the retired life with my wife Anita for around 5 years now. Our beautiful daughter Zara always took care of us, but today, we are completely lost. You see, Zara was taken away from us when she was just 40 years old. To us, she was always our little baby girl. Ever since I retired, I got a pension, it wasn't anything great, but it was enough for us to manage our daily necessities. But Zara, who had never seen a hard day in her life didn't like this. She would give us some money every month, and insist we go out on holidays and enjoy our time together. She lived just down the road from us, and we saw her every day. She was a successful chef in a well-known restaurant, but then everything changed a couple of years ago.</p>\n\n<p>Zara had been feeling slightly ill for a while, so after much pestering from her mother, she finally decided to go and visit the doctor. It was bad news. There was a tumour, and she would need a surgery to get it removed. Apart from the surgery, there was also some chemotherapy that she had to undergo. The <a href="/term-insurance-plans/click-2-protect-plus-3d?source=M_knowledgecentre_C2P3D_lovedones_May2017&utm_medium=content" target="_blank">treatments</a> were expensive, but Zara had more than enough savings to pay for it all. After almost a year, she was finally declared cancer free; and slowly but surely, she went back to work and resumed her life. A few months later, the cancer came back. Zara fought hard, but eventually, she succumbed to it all. Anita and I were forced to say goodbye to her last month, and we're still struggling to cope with the loss.</p>\n\n<p>We miss her. We miss the way her eyes would twinkle every time she laughed, and more than anything, we miss hearing her call us mom and dad. Before Zara left us, she made us promise her one thing – that we'd always continue to enjoy life and take holidays whenever we could. You see Zara, was a smart girl, and she had purchased a <a href="http://www.hdfclife.com/term-insurance-plans/" target="_blank">term plan</a> a long time ago. She would pay the premiums every year, and after she passed away, Anita and I received the money from the plan. She had set it up so that we received some of the money every year. Anita and I don't intend to break our promise. We're going to use the money Zara left us to visit all the places she wanted us to go to.</p>\n\n<p>We're lucky to have had a daughter like Zara, one who always thought about the future. Not just her own future, but our future too. You may be Zara's age, or you may be older than her, or perhaps a few years younger. As a father, I ask you to do one thing – always take care of your family first. Zara did, and even though the money doesn't make up for all the things we miss about her, it does leave us with a sense of pride, and <a href="/term-insurance-plans/click-2-protect-plus-3d?source=M_knowledgecentre_C2P3D_AGamePlan_May2017&utm_medium=content" target="_blank">peace of mind</a>, knowing that we won't have to worry about money in the future. Life is unpredictable. Anita and I have had to face this fact last month. It's difficult to have to say goodbye to a child, but we're proud of Zara. We're thankful that she took measures to ensure we'd always be financially secure, and we're going to use the money she left us wisely.</p>\n\n<p><strong>Similar Articles:</strong></p>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-for-salaried-employees/" target="_blank" title="Tax Saving Tips">Tax Planning For Salaried Employees</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/best-long-term-investment-options-in-2015" target="_blank" title="Long Term Investments">Long Term Investment Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Indian Tax System">Tax Structure In India</a></li>\n</ul>', 'title': 'Securing the Future for Your Loved Ones', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Myths and Facts about Life Insurance Policies', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Learn about the myths & facts surrounding life insurance so that you take an informed decision before buying a life insurance policy. To know more about life insurance myths, Click here!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'insurance myths, what are the different insurance myths, insurance myths debunked', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Insurance Myths\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Insurance Myths\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/insurance-myths', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 67, 'slug': 'insurance-myths', 'excerpt': 'There are a lot of misconceptions associated with Insurance. Insurance is mostly viewed as a tax saving tool and hence enough cover is not taken to cover you and your family under necessary circumstances. Always take an informed decision before considering Insurance needs for your family.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'image': {'banner': 'NHs1ROzIjpqDIYK'}, 'banner_image': {'id': 'NHs1ROzIjpqDIYK', 'alt': {'en': 'Term Insurance Meaning'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg'}, 'view_count': 1876, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-04T10:20:00Z', 'url': '/insurance-knowledge-centre/about-life-insurance/insurance-myths', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet"/>\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section10">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">There are a lot of misconceptions associated with Insurance. Insurance is mostly viewed as a tax saving tool and hence enough cover is not taken to cover you and your family under necessary circumstances. Always take an informed decision before considering Insurance needs for your family.</p>\n<!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></div>\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<div class="description">\n<h3><strong>What are the different insurance myths?</strong></h3>\n<p style="padding-right:30px;"><script type="text/javascript">(function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_US/all.js#xfbml=1"; fjs.parentNode.insertBefore(js, fjs); }\r\n(document, \'script\', \'facebook-jssdk\'));</script></p>\n</div>\n</div>\n</div>\n<div class="inner-plans-wrp generic ">\n<p>Following are the most common life insurance myths:</p>\n<ol class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n<li>\n<p><strong>Insurance is for saving tax</strong></p>\n<p>Saving tax is just an added advantage of insurance policy. The main objective of insurance is to provide protection to you and your family and to build an assured corpus for your future needs.</p>\n</li>\n<li>\n<p><strong>Insurance will benefit only after my death</strong></p>\n<p>Insurance policies provide protection to you and your family. One of the main objectives of taking insurance is to provide financial cushion to your family in case you are not around but it\'s not the only objective. Insurance helps you to build a corpus for yourself; provides you with comfortable retired life and even takes care of your lengthy medical bills.</p>\n</li>\n<li>\n<p><strong>My group insurance is adequate</strong></p>\n<p>Your\xa0<a href="/group-insurance-plans" target="_blank">group insurance</a>\xa0might be adequate but what if you change the job? Once you change the job your group insurance will cancel off and you will not get any insurance benefit. So it is always advisable to take insurance other than the insurance offered by your employer.</p>\n</li>\n<li>\n<p><strong>Only the Breadwinner of the family needs insurance</strong></p>\n<p>Every family member needs insurance. Your work profile changes the insurance needs but certainly does not eliminate them.</p>\n</li>\n<li>\n<p><strong>I\'m single and don\'t have any dependents, therefore I don\'t need any coverage</strong></p>\n<p>You might not need a <a href="/" target="_blank" title="Life Insurance Company in India">life insurance</a> policy where your nominee is taken care of but you certainly need a policy to take care of your health and retirement worries..</p>\n</li>\n<li>\n<p><strong>Life insurance is far more important than health coverage</strong></p>\n<p>As the health costs are increasing by the day, taking a\xa0<a href="/health-insurance-plans" target="_blank">health insurance</a>\xa0plan has become as important as a life coverage plan. Health plans, disability plans and critical illness plans provide you with financial cushion and compensate for the financial loss you suffer in case you are not able to work because of illness.</p>\n</li>\n</ol>\n<h3><strong>Similar Articles</strong></h3>\n<ul>\n<li><a href="/insurance-knowledge-centre/how-to-choose-right-plan" target="_blank" title="How do I choose and decide on the right plan?">How do I choose and decide on the right plan?</a></li>\n<li><a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-plus?source=W_KC_BodyLinks_T2P" target="_blank" title="Term Plan Calculator">Term Plan Calculator</a></li>\n<li><a href="http://blog.hdfclife.com/understanding-different-categories-of-life-insurance-policy-532280" target="_blank" title="Understanding the 3 Key Broad Categories of Insurance Products">Understanding the 3 Key Broad Categories of Insurance Products</a></li>\n<li><a href="/insurance-plans" target="_blank" title="Life Insurance Plans by HFC Life">Insurance Plans and Policies</a></li>\n<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-for-salaried-employees/" target="_blank" title="Tax Planning For Salaried Employees">Tax Planning For Salaried Employees</a></li>\n</ul>\n</div>\n</div>\n</div>\n<p class="Separator">\xa0</p>\n</article>\n</div>\n</div>', 'title': 'Life Insurance Myths', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Insurance Needs of the Young & Single - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'You are a single energetic twenty-something and have just kick-started your career. Secure your future from HDFC Life insurance policy.', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'life insurance for unmarried, life insurance for young', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Young Single\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Young Single\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/young-single', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 79, 'slug': 'young-single', 'excerpt': 'You are single, energetic, in your twenties and have just kick-started your career. With the newly acquired financial independence, most of you feel more inclined to shop, travel and enjoy life. However, it is important to note that this is also the best time to take higher risks as there are least financial responsibilities.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_tile.jpg', 'image': {'banner': 'n7VcTlg3TKhjcOV'}, 'banner_image': {'id': 'n7VcTlg3TKhjcOV', 'alt': {'en': 'ITR Meaning'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_thumb.jpg'}, 'view_count': 1489, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-07T05:37:00Z', 'url': '/insurance-knowledge-centre/about-life-insurance/young-single', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet"/>\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">You are single, energetic, in your twenties and have just kick-started your career. With the newly acquired financial independence, most of you feel more inclined to shop, travel and enjoy life. However, it is important to note that this is also the best time to take higher risks as there are least financial responsibilities.</p>\n<!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></div>\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<h3 class="img-wrp" style="text-align: left;"><strong>Your Insurance Needs</strong></h3>\n</div>\n</div>\n<div class="inner-plans-wrp generic ">\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n<li>\n<p><strong>Saving for future expenses </strong></p>\n<p>Whether for making a down-payment for your home or for your marriage, you need a <a href="/savings-investment-plans/super-savings-plan" target="_blank" title="Super Savings Plan by HDFC Life">savings plan</a> to build a corpus for your future needs.</p>\n</li>\n<li>\n<p><strong>Tax Planning </strong></p>\n<p>Now that you are earning, you wouldn\'t want your hard earned money to just flow out of your hands. Tax planning is an important aspect of financial planning and you should draw the maximum <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance" target="_blank">tax benefits</a> that investment products offer.</p>\n</li>\n<li>\n<p><strong>Securing your parent\'s health </strong></p>\n<p>Given their age, your parents would be vulnerable to ill health and therefore you need to plan for their medical needs as well.</p>\n</li>\n</ul>\n<p><strong>Similar Articles</strong></p>\n<ul>\n<li><a href="/insurance-knowledge-centre/about-life-insurance/just-married" target="_blank" title="Insurance Plans for Newly Married couples">Insurance Plans for Newly Married couples</a></li>\n<li><a href="/insurance-knowledge-centre/about-life-insurance/married-with-children" target="_blank" title="Insurance Plans for Married with Children">Insurance Plans for Married with Children</a></li>\n<li><a href="https://onlineinsurance.hdfclife.com/?source=W_TC_HP_LHS_EFU" target="_blank" title="HDFC Life Sanchay - Savings Plan Calculator">HDFC Life Sanchay - Savings Plan Calculator</a></li>\n<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slab">Income Tax Slab</a></li>\n<li><a href="/insurance-knowledge-centre/investment-for-future-planning/safe-investment-options-in-india-for-2015" target="_blank" title="Safe Investment Options in India">5 Safe Investments in India</a>\xa0<a href="http://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/types-of-online-frauds/" target="_blank" title="Online Frauds in India">Types of Online Frauds</a></li>\n</ul>\n</div>\n</div>\n</div>\n<p class="Separator">\xa0</p>\n<p class="Separator">\xa0</p>\n</article>\n</div>\n</div>', 'title': 'Insurance Needs of Young & Single', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'ehbuSSOWtC0bh1e', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'HEALTH - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Health', 'alt': None, 'icon_url': None, 'label': 'HEALTH - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Critical Illness Insurance - All You Need to Know About Critical Illness Insurance, Cover | HDFC Life', 'slug': 'title', 'label': 'Title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'critical illness insurance india, what is critical illness insurance, what is critical illness cover', 'slug': 'keywords', 'label': 'Keywords'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Critical Illness Policy - Get to know everything about Critical Illness Insurance cover & riders from Critical Illness definition to its benefits. Click here to read more!', 'slug': 'description', 'label': 'Description'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Understanding Critical Illness Insurance\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Understanding Critical Illness Insurance\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/secure-your-health/understanding-critical-illness-insurance', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 91, 'slug': 'understanding-critical-illness-insurance', 'excerpt': 'Critical illness insurance provides a lump-sum payment in-case the policyholder is diagnosed of a health related condition of a serious nature.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'image': {'banner': 'Peen4YqMVgujRUx'}, 'banner_image': {'id': 'Peen4YqMVgujRUx', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg'}, 'view_count': 2763, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-08T06:35:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/understanding-critical-illness-insurance', 'content': '<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_SYH_4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Critical illness insurance provides a lump-sum payment in-case the policyholder is diagnosed of a health related condition of a serious nature. Some of these common critical illnesses include:</p>\n\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\n</div>\n\n<ol class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check" style=" list-style-type: disc; ">\n\t<li>Heart attack</li>\n\t<li>Cancer</li>\n\t<li>Paralysis</li>\n\t<li>Coronary artery bypass surgery</li>\n\t<li>Major organ transplant (e.g. heart, lung, liver, pancreas)</li>\n\t<li>Stroke</li>\n\t<li>Kidney Failure<script>\n!function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0], p = /^http:/.test(d.location) ? \'http\' : \'https\'; if (!d.getElementById(id)) { js = d.createElement(s); js.id = id; js.src = p + \'://platform.twitter.com/widgets.js\'; fjs.parentNode.insertBefore(js, fjs); } }(document,\n\'script\', \'twitter-wjs\');\n </script></li>\n</ol>\n</div>\n</article>\n</div>\n\n<div class="inner-plans-wrp generic ">\n<h3>What is Critical Illness Insurance?</h3>\n\n<p><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Policy">Critical illness insurance</a>, is a product in which the insurance service provider makes a lump sum payout to the policyholder on diagnosis of a specific illness on a predefined list as part of the policy</p>\n\n<h3>Understanding Critical Illness Insurance Cover & Riders</h3>\n\n<p>They are commonly referred to as riders and are contingent on the occurrence of an event like a critical illness.</p>\n\n<h3>What is critical illness?</h3>\n\n<p>Critical illness is a health related condition of a serious nature. It can have a debilitating effect on the individual’s lifestyle and can incur considerable treatment cost, apart from loss of income from inability to work.</p>\n\n<h3>Who can benefit from the critical illness policy/rider?</h3>\n\n<p>The critical illness policy/ rider can be particularly beneficial for individuals who wish to take no chances with certain health conditions, especially if they have a medical history. Also primary breadwinners of families who can ill-afford a hit on their finances from a critical illness <a href="https://www.hdfclife.com/life-insurance-riders/critical-illness-plus-rider" target="_blank">critical illness insurance policy</a> The health plan can provide financial security at a time, when the individual would be hard pressed for funds to treat the illness and support his family at the same time.</p>\n\n<h3>How to safeguard against critical illness?</h3>\n\n<p>A definite way of circumventing the financial loss and inconvenience of a critical illness is by <a href="https://www.hdfclife.com/insurance-knowledge-centre/secure-your-health/health-care-plans" target="_blank">buying a health plan</a> from a life insurance company or taking a critical illness rider on a life insurance policy. If the individual is diagnosed with one of the critical illnesses specified in the critical illness rider, he will receive a lump sum payment within a specified number of days. The amount equals the sum assured for the critical illness insurance rider and is different from the basic sum assured/life cover disbursed on death or maturity. The critical illness insurance amount is disbursed whether or not the insured undergoes any treatment. Some insurers as defined by the policy terms and conditions, disburse the amount towards the critical illness rider over and above the sum assured. Other companies deduct the disbursal proceeds from the sum assured, which stands revised post-disbursal.\u200b</p>\n\n<h3><strong>More articles on Health Insurance:</strong></h3>\n\n<ul>\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan?source=W-TEBT_KC_BodyLinks_HRI" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan" target="_blank" title="How to choose the right health insurance plan?">How to choose the right health insurance plan?</a></li>\n\t<li><a href="/health-insurance/introduction" target="_blank" title="Benefits of health insurance">Benefits of health insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/critical-illness-insurance-comparison" target="_blank" title="Compare Critical Illness Insurance Plans">Critical Illness Insurance Comparison</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies" target="_blank" title="Tackling Expensive Medical Emergencies with Health Insurance">How to Tackle Expensive Medical Emergencies with Health Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan" target="_blank" title="Difference between Health Insurance and Mediclaim">Difference between Health Insurance and Mediclaim</a></li>\n\t<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Importance of Health Insurance">Need for Health Insurance Plans</a></li>\n</ul>\n\n<p> </p>\n\n<p style="text-align: center;"> </p>\n</div>\n</div>', 'title': 'Everything About Critical Illness Insurance Cover & Riders', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Compare Health Insurance Plans and Mediclaim Policy | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Many people opting for health cover are unaware about the difference between a mediclaim policy & health insurance. To Know more about health insurance plans & Mediclaim, Visit now !', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'mediclaim policy, mediclaim, mediclaim vs health insurance', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Difference Health Mediclaim Plan\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Difference Health Mediclaim Plan\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan/', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 90, 'slug': 'difference-health-mediclaim-plan', 'excerpt': 'Many people opting for health cover are unaware about the difference between a mediclaim policy and health insurance. HDFC Life lists the comparison of mediclaim vs health insurance to make it more easy for them to understand. Click here to compare now & know more about the details.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_tile.jpg', 'image': {'banner': 'fEGlZ0PHXKjnzcR'}, 'banner_image': {'id': 'fEGlZ0PHXKjnzcR', 'alt': {'en': 'Health Insurance Plan Vs Mediclaim Policy'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_thumb.jpg'}, 'view_count': 52334, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-07T12:32:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_SYH_3">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p>Lot of individuals subscribe to mediclaim policies in the belief that they have adequate health insurance to address all health issues. This is not only inaccurate but might just prove a very costly oversight. Hence it is of utmost importance that we clearly understand the key features that differentiate mediclaim vs health insurance plans so as to opt for the best <a href="https://www.hdfclife.com/health-insurance-plans/easy-health" target="_blank">mediclaim policy</a> in India for your family.</p>\n\n<p>To be sure, mediclaim although a form of <a href="/health-insurance-plans" target="_blank" title="Health Insurance Policies and Plan in India by HDFC Life">health insurance</a> is far from adequate to cover the many illnesses and health conditions that have become so common given the stress and mishaps in everyday life.</p>\n\n<ul>\n\t<li><strong>Mediclaim</strong>\n\n\t<p>First let’s understand what mediclaim brings to the table.</p>\n\n\t<p>The key feature of mediclaim is cover for hospitalization and treatment towards accident and pre-specified illnesses for a specific sum assured limit. The mediclaim premium is based on the sum assured.</p>\n\n\t<p>The amount paid towards mediclaim premium for self/spouse/children provides tax exemption under section 80D for a maximum of Rs 15,000 with another Rs 15,000 benefit on premium of mediclaim policy for parents (Rs 20,000 if parents are senior citizens). Although, not advisable, mediclaim must not be taken for the tax benefit, else it degenerates into a <a href="/insurance-knowledge-centre/tax-saving-insurance/tax-saving-investments-in-2015/" target="_blank" title="Top Tax Saving Investments in India for 2015">tax saving investment</a>, rather than a lifeline for yourself and your family.</p>\n\t</li>\n\t<li><strong>Health Insurance</strong><br />\n\tSome features of health insurance plans include:\n\t<ul>\n\t\t<li>Comprehensive <a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Plan">critical illness cover</a> – as many as 30 illnesses in certain plans</li>\n\t\t<li>Discount on premium if sum assured exceeds a particular limit like Rs 10 lakhs for instance</li>\n\t\t<li>Flexibility to reduce premium after a specified period</li>\n\t\t<li>Flexibility to reduce sum assured after a specified period</li>\n\t\t<li>Flexibility to reduce policy term after a specified period</li>\n\t\t<li>Health insurance premium provide tax exemption under section <a href="/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80D/" target="_blank">80D of Income Tax Act 1961</a>, this being one of the few meeting points between health insurance and mediclaim</li>\n\t</ul>\n\t</li>\n</ul>\n\n<p>Evidently health insurance plans are far superior to mediclaim in terms of breadth of diseases and illnesses covered, quantum of sum assured and flexibility. While mediclaim may prove adequate up to a point, it is health insurance that can be expected to bail you out from a serious (read expensive) medical condition.</p>\n\n<h3><strong>More articles on Health Insurance:</strong></h3>\n\n<ul>\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan?source=W-TEBT_KC_BodyLinks_HRN" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/ulip-and-mutual-fund-comparison" target="_blank" title="Comparison between ULIP and Mutual Fund">Comparison between ULIP and Mutual Fund</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies" target="_blank" title="How to tackle expensive medical emergencies?">How to tackle expensive medical emergencies?</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan" target="_blank" title="How to choose the best health insurance plan?">How to choose the best health insurance plan?</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\n\t<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Importance of Health Insurance">Need for Health Insurance Plans</a></li>\n\t<li><a href="/health-insurance/introduction" target="_blank" title="Advantages of Health Plans">Benefits of Health Insurance Plans</a></li>\n\t<li><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Insurance">HDFC Life Easy Health Plan - Critical Illness Plan</a></li>\n</ul>\n\n<h3><strong>Health Insurance Products by HDFC Life offered on HDFC Health:</strong></h3>\n\n<ul>\n\t<li><a href="/health-insurance-plans/cancer-care-insurance" target="_blank" title="Cancer Insurance">HDFC Life Cancer Care Plan - Cancer Insurance Policy</a></li>\n</ul>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p style="text-align: center;"> </p>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'title': 'How is a health insurance plan different from mediclaim policy?', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'How to Tackle High Cost Medical Emergencies - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Critical Illness are never planned and some of the treatments can be very costly. Learn how to be prepared for such medical emergencies with HDFC Life.', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'how to tackle expensive medical emergencies, how to deal with increasing medical cost, how health plans help tackle expensive medical emergencies', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Expensive Medical Emergencies\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Expensive Medical Emergencies\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 87, 'slug': 'expensive-medical-emergencies', 'excerpt': 'Man has made a lot of development over the years, but ironically this hasn’t reflected in every sphere of his life, least of all health and lifestyle. Stress is so common today that it is the rare individual who hasn’t faced its impact at some stage in his life.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'image': {'banner': 'Peen4YqMVgujRUx'}, 'banner_image': {'id': 'Peen4YqMVgujRUx', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg'}, 'view_count': 1501, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-07T12:29:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet"/>\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_SYH_1">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p>Man has made a lot of development over the years, but ironically this hasn’t reflected in every sphere of his life, least of all health and lifestyle. Stress is so common today that it is the rare individual who hasn’t faced its impact at some stage in his life.</p>\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>-->For this reason, medical contingencies are a lot more frequent today than they were in the past. To complicate matters, costs towards medical treatment, particularly for serious conditions are no longer affordable for a majority of individuals.</p>\n<p>Let’s take cardiovascular ailments which are particularly common in India. Treating a heart ailment, especially, if it involves surgery, can be expensive. That is, if you are looking for high quality surgery since this is one area where cutting corners can prove very costly in the long run.</p>\n<p>The actual cost of the surgery is dictated by a variety of factors like severity of the heart condition, type of surgery, related risk factors, type of medical facility, surgeon’s experience and expertise. Today, cost of a heart surgery in India could vary in the range of Rs 1.5 lakhs to Rs 3 lakhs. Five years later it could be a lot more expensive.</p>\n<p>The illustration below highlights how cost of heart surgery can be expected to rise over the years.</p>\n</div>\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<table border="1" class="tbl-eligibility">\n<tbody>\n<tr>\n<td>Cost of heart surgery today(in Rs)</td>\n<td>\xa02,00,000</td>\n</tr>\n<tr>\n<td>Annual rise in medical cost(in %)</td>\n<td>\xa010</td>\n</tr>\n<tr>\n<td>Future value of heart surgery after 5 years(in Rs)</td>\n<td>\xa03,22,102</td>\n</tr>\n<tr>\n<td>Future value of heart surgery after 10 years(in Rs)</td>\n<td>5,18,748</td>\n</tr>\n<tr>\n<td>Future value of heart surgery after 15 years(in Rs)</td>\n<td>8,35,450</td>\n</tr>\n</tbody>\n</table>\n<p>(Cost of heart surgery and rise in costs are estimates and do not represent actual values.)</p>\n<p>As is evident from the illustration, after 5 years a Rs 2 lakh heart surgery will cost over Rs 3.22 lakhs. After 10 years it will be Rs 5.19 and Rs 8.35 lakhs after 15 years. If an individual hasn’t saved that kind of money, he would have no option other than to dip into his savings and investments or worse borrow money.</p>\n<p>One way to provide for medical emergencies is by taking a <a href="/health-insurance-plans" target="_blank" title="health plan">health plan</a> from an insurance company. Health plans offer a lot of flexibility both in terms of coverage and disbursal. For instance, certain health plans cover as many as 30 critical illnesses and over 80 surgical procedures. Payment towards illness/surgery is disbursed regardless of actual medical expenses. The policy continues even after the benefit payment on selected illnesses.</p>\n<p>With <a href="/health-insurance-plans" target="_blank" title="Health Insurance Plans In India By HDFC Health">health insurance plans</a>, individuals are assured of a more secure future both health-wise and money-wise. This makes health plans critical for individuals, especially if they are responsible for the financial well-being of the family.</p>\n<h3><strong>More articles on Health Insurance:</strong></h3>\n<ul>\n<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan?source=W-TEBT_KC_BodyLinks_HRI" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\n<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Why do I need health plan?">Why do I need health plan?</a></li>\n<li><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Insurance">Critical Illness Insurnace Plan</a></li>\n<li><a href="/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan/" target="_blank" title="How to Choose the Best Health Insurance Plan">How to Choose the Best Health Insurance Plan</a></li>\n<li><a href="http://website.hdfclife.tech/insurance-knowledge-centre/investment-for-future-planning/critical-illness-insurance-comparison" target="_blank" title="Critical Illness Insurance Comparison">Compare Critical Illness Insurance Plans</a></li>\n<li><a href="/insurance-knowledge-centre/secure-your-health/" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\n<li><a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan/" target="_blank" title="Difference between Health Insurance and Mediclaim">Difference between Health Insurance and Mediclaim</a></li>\n<li><a href="/health-insurance/introduction" target="_blank" title="Advantages of Health Plans">Benefits of Health Insurance Plans</a></li>\n</ul>\n<h3><strong>Health Insurance Products by HDFC Life offered on HDFC Health:</strong></h3>\n<ul>\n<li><a href="/health-insurance-plans/cancer-care-insurance" target="_blank" title="Cancer Insurance Plan In India">HDFC Life Cancer Care Plan - Cancer Insurance Policy</a></li>\n</ul>\n<p style="text-align: center;">\xa0</p>\n</div>\n</div>\n</div>\n<p class="Separator">\xa0</p>\n</article>\n</div>\n</div>', 'title': 'How to tackle expensive medical emergencies?', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'How to Choose the Best Health Insurance Policy in India - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Trying to find the best health insurance plans & policies? Read this article that helps choose the best health insurance plans to meet all your medical needs.', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': ' best health insurance plans, best health insurance policies, best health plan, how to choose the right health insurance plan, how do I choose the right medical plan', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Right Health Insurance Plan\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Right Health Insurance Plan\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 88, 'slug': 'right-health-insurance-plan', 'excerpt': 'Choosing the best health insurance plan which best fits your requirements is an important decision not just for you but also for your family. There was a time when there was no ‘right’ health insurance plan as there weren’t many in the first place.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_tile.jpg', 'image': {'banner': 'fOSNZRkioXxlOUH'}, 'banner_image': {'id': 'fOSNZRkioXxlOUH', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_thumb.jpg'}, 'view_count': 5980, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-07T12:34:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\r\n<div class="postDesc contentPage">\r\n<div class="scrollBlock">\r\n<article class="innerBlk" id="section_SYH_2">\r\n<div class="term-assurance">\r\n<div class="head-wrp float-left clearfix">\r\n<p class="float-left">Choosing the best health insurance plan which best fits your requirements is an important decision not just for you but also for your family. There was a time when there was no ‘right’ health insurance plan as there weren’t many in the first place.</p>\r\n\r\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\r\n</div>\r\n\r\n<div class="float-left" id="mymain">\r\n<div class="inner-plans-wrp generic ">\r\n<p>But as health insurance needs of individuals have evolved, best health insurance companies have been quick to innovate by launching better plans offering a range of options.</p>\r\n\r\n<p>Before selecting a suitable <a href="/health-insurance-plans" target="_blank" title="Online Health Insurance Policies by HDFC Life">health insurance plan</a>, it is important to keep in mind that there is no one size that fits all. So if your friend or colleague has selected a plan, it does not become an automatic choice for you. The needs of a healthy twenty-five year old are vastly different from the needs of a family, which is markedly different from an individual on the threshold of retirement. Your health plan must address needs specific to you and your family.</p>\r\n\r\n<p>Fortunately, there are a wide range of options for just about every situation and health condition. Every health insurance plan has different ways of handling different health conditions so it’s important to know these options and whether they suit you.</p>\r\n\r\n<p>First, you must determine what kind of coverage you need and whether or not you can afford it. Your insurance advisor should be of assistance in arriving at an ideal health cover that takes into account needs of your family. Next scour the insurance landscape for a health insurance policy that best meets your requirements.</p>\r\n\r\n<p>Next scour the insurance landscape for a health plan that meets your requirements.</p>\r\n\r\n<h3>Broadly, go for health plans that offer the following options</h3>\r\n\r\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\r\n\t<li>Maximum period of time over which the premium remains constant even after making claims</li>\r\n\t<li>Enhanced cover on claim-free years at same premium</li>\r\n\t<li>Expansive cover of illnesses and health conditions. So if there is a family history for a particular health condition like heart ailments, ensure the health plan has it covered.</li>\r\n\t<li>Flexibility to tailor-make the plan in terms of health cover, benefit options and premium payment.</li>\r\n\t<li>Hassle-free claim process with cashless benefits on surgeries and hospitalization across a wide network of hospitals.</li>\r\n\t<li>Tax benefits under relevant sections of the law</li>\r\n</ul>\r\n\r\n<p>These are the options that must be evaluated before selecting a health insurance plan. They need close scrutiny because you can never be too careful when it comes to your and your family’s health.</p>\r\n\r\n<h3>More articles on Health Insurance:</h3>\r\n\r\n<ul>\r\n\t<li><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Plans">Critical Illness Insurance</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan" target="_blank" title="Is health insurance different from mediclaim?">Is health insurance different from mediclaim?</a></li>\r\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\r\n\t<li><a href="/health-insurance/introduction" target="_blank" title="Benefits of health insurance">Benefits of health insurance</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies/" target="_blank" title="Tackling Expensive Medical Emergencies with Health Insurance">How to Tackle Expensive Medical Emergencies with Health Insurance</a></li>\r\n\t<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Importance of Health Insurance">Need for Health Insurance Plans</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/health-insurance-comparison" target="_blank">Health Insurance Comparison</a></li>\r\n</ul>\r\n\r\n<h3>Health Insurance Products by HDFC Life offered on HDFC Health:</h3>\r\n\r\n<ul>\r\n\t<li><a href="/health-insurance-plans/cancer-care-insurance" target="_blank" title="Cancer Insurance Plan In India By HDFC Health">HDFC Life Cancer Care Plan - Cancer Insurance Policy</a></li>\r\n</ul>\r\n\r\n<p style="text-align: center;"> </p>\r\n</div>\r\n</div>\r\n</div>\r\n\r\n<p class="Separator"> </p>\r\n</article>\r\n</div>\r\n</div>', 'title': 'How to Choose the Best Health Insurance Plans & Policies in India?', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'XbDzby3nXfABGiA', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'CHILD - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Child', 'alt': None, 'icon_url': None, 'label': 'CHILD - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Income Tax Slabs FY 2019-2020/AY 2020-21 : Tax Rates & Deductions (FY 2019-2020/AY 2020-21)| HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Income Tax Slab FY 2019-20/AY 2020-21: Browse through income tax slab rates (FY 2019-20/AY 2020-21) and deductions in India for tax payers in different age groups and tax benefits offered by its online insurance products. To know more, Click here!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'income tax slab 2019 20, new tax slab 2019 20, new income tax slab 2019 20, 2019 to 2020 income tax slab', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': '', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2019-20', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="application/ld+json">\n {\n "@context": "http://schema.org",\n "@type": "VideoObject",\n "name":"Life Insurance Made Simple - How can i save tax with a Life Insurance plan?",\n "description": "As Indians, we always look for an additional value in everything we buy. So, why should insurance be any different? Along with protecting your family from unforeseen circumstances and incidents, an insurance plan will make sure that you save on taxes. So that you can make sure that your other dreams come true. Life insurance plans like term plans, savings and investment plans and retirement plans make sure that you can protect yourself from different uncertainties in your life.",\n "thumbnailUrl": "https://i.ytimg.com/vi/HPTIPGpv_Tk/default.jpg",\n "uploadDate": "2020-05-11T14:26:08.000Z",\n "duration": "PT3M01S",\n "contentUrl": "https://youtu.be/HPTIPGpv_Tk"\n }\n </script>\n<script type="application/ld+json"> \n{\n "@context": "https://schema.org",\n "@type": "FAQPage",\n "mainEntity": [{\n "@type": "Question",\n "name": "⭐ What are the Income Tax slab rates for AY 2019-20?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "The Income Tax slab rates for those below 60 years of age for Assessment Year 2019-20 (Financial Year 2018-19) are as follows:\n\nTable 1\n\nIncome\n\nTax\n\nUp to Rs 2,50,000\n\nNo tax\n\nRs 2,50,000 to Rs 5,00,000\n\n5% on income more than Rs 2.5 lakh subject to a maximum of Rs 12,500\n\nRs 500,000 to Rs 10,00, 000\n\n20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 12,500\n\nAbove Rs 10,00,000\n\n30% on income exceeding Rs 10,00,000 plus Rs 1 lakh plus Rs 12,500\n\nTable 2\n\nSenior citizens (above 60 years of age) are to follow the following tax rates\n\nIncome\n\nTax\n\nUp to Rs 3,00,000\n\nNo tax\n\nRs 3, 00,000 to Rs 500,000\n\n5% on income more than Rs 3,00,000 subject to a maximum of Rs 10,000\n\nRs 500,000 to Rs 10,00, 000\n\n20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 10,000\n\nAbove Rs 10,00,000\n\n30% of total income more than 10,00,000 plus Rs 1,10,000\n\nThese rates also had an additional health and education cess levied on the overall computable tax in addition to the surcharge. For those earning more than Rs 50 lakh and less than Rs 1 crore, the surcharge was 10%. Those earning more than Rs 1 crore attracted 15% surcharge.\n\n"\n }\n }, {\n "@type": "Question",\n "name": "⭐ What are the Income Tax slab rates for AY 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "The Income Tax slab rates for those below 60 years of age for Assessment Year 2020-21 (Financial Year 2019-20) are as follows -\n\nTable 1\n\nIncome\n\nTax\n\nUp to Rs 2,50,000\n\nNo tax\n\nRs 2,50,000 to R 5,00,00\n\n5% of total income more than Rs 2,50,000\n\nRs 5,00,000 to Rs 10,00,000\n\n20% of total income more than Rs\n\n10,00,00 plus Rs 12,500\n\nAbove Rs 10,00,000\n\n30% of total income more than 10,00,000 plus Rs 1,12,500\n\nThe Income Tax slab rates for those aged 60 to 80 years for Assessment Year 2020-are as follows –\n\nTable 2\n\nIncome\n\nTax\n\nUp to Rs 3,00,000\n\nNo tax\n\nRs 3,50,000 to R 5,00,00\n\n5%\n\nRs 5,00,000 to Rs 10,00,000\n\n20% of total income more than Rs 10,00,00 plus Rs 10,000\n\nAbove Rs 10,00,000\n\n30% of total income more than\n\n10,00,000 plus Rs 1,10,000"\n }\n }, {\n "@type": "Question",\n "name": "⭐ How can I save tax for Assessment Year 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "You can reduce your tax liabilities to a considerable extent by adopting certain strategies.\n\nGet health insurance: Section 80D of the Income Tax Act allows exemption of Rs 25,000 for health insurance of individuals and an additional Rs 25,000 for health insurance of parents. 50000 in case of mediclaim premium paid for parents who are senior c itizens\n\nInvest in Public Provident Fund: Interest on PPF is free.\n\nContribute to NPS: Not only will you be building a pension corpus but by contributing to National Pension Scheme, you will also save taxes. NPS contributions qualify for up to Rs 50,000 deduction under Sec 80 CCD.\n\nBe charitable: Donations to charitable institutions are deductible under Section 80 G. However not all deductions are covered here, so it’s best to confirm with your CA or tax consultant."\n }\n }, {\n "@type": "Question",\n "name": "⭐ Is it possible to file ATR for AY 2020-21 now?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Yes, you can pay your advance tax and file your advance tax returns (ATR) as the Income Tax Department has already notified the IT returns for high value transactions. These transactions include paying power bills amounting to Rs 1 lakh and foreign travel worth Rs 2 lakh.\n\nYou can download the ITR 1 from the Income Tax department’s website. You can file the ITR either by uploading an XML file or via online submission. ITR 1 is to be filed by those whose income is Rs 50 lakh and more, coming from such sources as salary/pension, and house property. The last date of filing ITR-1 for FY 2019-20 is 30 November, 2020."\n }\n } , {\n "@type": "Question",\n "name": "⭐ What is the standard deduction for AY 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "With an additional Rs 10,000, the standard deduction allowed for Financial Year 2019-20 was taken up to Rs 50,000 following the provisions of the Interim Budget 2019. This brought much relief to the salaried and middle class, thereby also softening the impact of inflation. The standard deduction in the previous assessment years was Rs 40,000. With this, the taxable income of a person earning an annual salary of Rs 8 lakh is reduced from Rs 7,60,000 to Rs 7,50,000."\n }\n } , {\n "@type": "Question",\n "name": "⭐ What is the meaning of section 87 A under the IT Act?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Section 87A is a legal provision which allows for tax rebate under the Income Tax Act of 1961. The section which was inserted through the Finance Act of 2013 provides tax relief for individuals earning below a specified limit. Section 87 A provides that anyone who is residing in India and whose income does not exceed Rs 3,50,000 is eligible to claim a rebate. This rebate is applicable only to individuals and not companies, etc and is calculated before adding the health and educational cess of 4 %."\n }\n } , {\n "@type": "Question",\n "name": "⭐ How should I calculate Income Tax for F.Y 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Financial Year 2020-21 allows an individual tax payer to pay his taxes by opting for either of two tax regimes. The old tax regime and the new one. The new income tax regime gives the individual the freedom to continue with the old tax regime if he/she so wishes. The old or existing tax regime will still have its relevant tax deductions and exemptions. The new tax structure has only one deduction which is the one under Section 80CCD(2). This means the employer’s contribution to the employee’s National Pension Scheme is deducted from the annual salary. Under both old and new regimes, you can deduct Rs 2,50,000 from your gross salary to arrive at your net taxable income since the exemption is applicable to both regimes."\n }\n } , {\n "@type": "Question",\n "name": "⭐ How are the new IT slabs calculated?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Here’s how to calculate the tax payable by you for both the existing and new regimes. Remember some things remain basic or common irrespective of which regime you choose. For instance income from salary is the sum of your basic salary, housing rent allowance and any other allowances included.\n\nUnder the old tax regime, a standard deduction of Rs 50,000 is allowed. Neither the standard deduction nor any exemptions can be availed of in the new tax regime.\n\nLet’s understand the impact of both regimes on your tax liability. Say you have total income of Rs 16,70,000 combined from salary and other sources. If you make investments under Sections 80C, 80TTA and 80D, you qualify for a deduction of about Rs 1,70,000 from your taxable income. Thus your taxable income is now Rs 15 lakh. This however does not mean that you have to pay 30% tax on Rs 15,00,000. Since tax rules change regularly in India, it is best to consult your CA or your tax advisor for any clarifications."\n }\n }]\n}\n</script>', 'slug': 'head-tag-script', 'label': 'head tag script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Income Tax calculator', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/financial-tools-calculators/income-tax-calculator', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'id': 1283, 'slug': 'income-tax-slab-2019-20', 'excerpt': 'In this article, you will get to know about Income Tax Slabs, what it means for you and what the Income Tax Slab is for the year 2019-2020.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_tile.jpg', 'image': {'banner': '9AZiSAYrcDqWsgb'}, 'banner_image': {'id': '9AZiSAYrcDqWsgb', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_thumb.jpg'}, 'view_count': 471772, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2019-12-11T10:34:53.068215Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2019-20', 'content': '<p>According to the current income tax slabs 2020-2021, the taxation of income of resident individuals below 60 years is as given:</p>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<tbody>\n\t\t<tr>\n\t\t\t<th style="width: 250px;">Taxable income</th>\n\t\t\t<th>Tax Rate<br />\n\t\t\t(Existing Scheme)</th>\n\t\t\t<th>Tax Rate<br />\n\t\t\t(New Scheme)</th>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Up to Rs. 2,50,000</td>\n\t\t\t<td>Nil</td>\n\t\t\t<td>Nil</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 2,50,001 to Rs. 5,00,000</td>\n\t\t\t<td>5%</td>\n\t\t\t<td>5%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 5,00,001 to Rs. 7,50,000</td>\n\t\t\t<td>20%</td>\n\t\t\t<td>10%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 7,50,001 to Rs. 10,00,000</td>\n\t\t\t<td>20%</td>\n\t\t\t<td>15%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 10,00,001 to Rs. 12,50,000</td>\n\t\t\t<td>30%</td>\n\t\t\t<td>20%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 12,50,001 to Rs. 15,00,000</td>\n\t\t\t<td>30%</td>\n\t\t\t<td>25%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Above Rs. 15,00,000</td>\n\t\t\t<td>30%</td>\n\t\t\t<td>30%</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> </p>\n\n<p style="text-align: center;"><a class="nav-btn red-btn" href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2020-21" rel="noopener" style="position: relative; color: #fff; background: #d51d25; border-radius: 2px; vertical-align: middle; font: 14px \'Source Sans Pro\'; font-weight: 600; padding: 10px 20px; margin-right: 8px; margin-left: 0;" target="_blank">Latest Income Tax Slab 2020-21</a></p>\n\n<h2><strong>What is an income tax slab?</strong></h2>\n\n<p>Under the Income Tax Act, 1961 – the percentage of income that is payable as tax to the Government is based on the amount of income that a person has earned during a year.</p>\n\n<p>Keeping in mind, the fact that the outgoing of tax is tougher for people earning lower income –in India the rate of tax gets higher for people earning higher amounts in a financial year. This is done by applying a different tax rate for different amounts of annual income. These slabs are tweaked by the government in the annual budget announcements.</p>\n\n<p>For the financial year 2019-20, which means the year from April 1, 2019 – March 31, 2020 – the tax rate slabs have been fixed as below.</p>\n\n<h2><strong>Income Tax Slabs for Individuals</strong></h2>\n\n<p><u><strong>Individuals have been categorized into three categories of taxpayers:</strong></u></p>\n\n<p><br />\n1. Individuals who are below the age of 60 years</p>\n\n<p>2. Senior citizens who are between 60 years and 80 years old.</p>\n\n<p>3. Super senior citizens who are above 80 years old.</p>\n\n<p> </p>\n\n<div class="videoWrap" style="text-align:center;"><iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/HPTIPGpv_Tk?rel=0&modestbranding=1&autohide=1&mute=1&showinfo=0&controls=1&autoplay=1" width="560"></iframe></div>\n\n<h2><strong>Tax Rates for Individuals as per budget 2019-2020</strong></h2>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<thead>\n\t\t<tr>\n\t\t\t<th style="width:181px;height:40px;">\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\n\t\t\t<p><strong>(in Rupees)</strong></p>\n\t\t\t</th>\n\t\t\t<th style="width:442px;height:40px;">\n\t\t\t<p><strong>Tax Rate for Individual Below the Age Of 60 Years</strong></p>\n\t\t\t</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>0 to 2,50,000*</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:37px;">\n\t\t\t<p>Nil</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="width:181px;height:34px;">\n\t\t\t<p>2,50,001 to 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:34px;">\n\t\t\t<p>5% of total income exceeding 2,50,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="width:181px;height:42px;">\n\t\t\t<p>5,00,001 to 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:42px;">\n\t\t\t<p>Tax Amount of 12,500 for the income up to 5,00,000</p>\n\n\t\t\t<p>+ 20% of total income exceeding 5,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="width:181px;height:38px;">\n\t\t\t<p>Above 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:38px;">\n\t\t\t<p>Tax Amount of 1,12,500 for the income up to 10,00,000</p>\n\n\t\t\t<p>+ 30% of total income exceeding 10,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p style="margin-left:36.0pt;"> </p>\n\n<h2><strong>Tax Rates for Senior Tax Payers between the age of 60 years to 80 years old</strong></h2>\n\n<table border="0" cellpadding="0" cellspacing="0">\n\t<thead>\n\t\t<tr>\n\t\t\t<th style="\n border: 1px solid;\n">\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\t\t\t</th>\n\t\t\t<th style="\n border: 1px solid;\n">\n\t\t\t<p><strong>Senior Citizens (between 60 years – 80 years)</strong></p>\n\t\t\t</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr style="\n border: 1px solid;\n">\n\t\t\t<td>\n\t\t\t<p>Up to 3,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p style="\n">Nil</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p> 3,00,001 to 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>5% of income exceeding 3,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p> 5,00,001 to 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Tax Amount of 10,000 for the income up to 5,00,000</p>\n\n\t\t\t<p>+ 20% of total income exceeding 5,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Above 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Tax Amount of 1,10,000for the income up to 10,00,000</p>\n\n\t\t\t<p>+ 30% of total income exceeding 10,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> </p>\n\n<h2><strong>Tax Rates for Super Senior Tax payers above the age of 80 years</strong></h2>\n\n<table border="0" cellpadding="0" cellspacing="0">\n\t<thead>\n\t\t<tr>\n\t\t\t<th style="\n border: 1px solid;\n">\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\t\t\t</th>\n\t\t\t<th style="/* width:409px; */border: 1px solid;">\n\t\t\t<p><strong>Very Senior Citizens of and above 80 years of age</strong></p>\n\t\t\t</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Up to 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td colspan="2" style="width:433px;border: 1px solid;">\n\t\t\t<p>Nil</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p> 5,00,001 to 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:409px;border: 1px solid;">\n\t\t\t<p>20% of income exceeding 5,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Above 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:409px;border: 1px solid;">\n\t\t\t<p>Tax Amount of 1,00,000for the income up to 10,00,000</p>\n\n\t\t\t<p>+ 30% of total income exceeding 10,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p style="/* margin-left:36.0pt; */font-weight: bold;">SOME IMPORTANT POINTS:</p>\n\n<ul>\n\t<li>The income tax rates are applied to the annual income calculated. Thereafter Surcharge and Cess is added to the tax payable.\n\t<ul>\n\t\t<li>A surcharge is also applicable slab wise. The surcharge is calculated on the Tax amount. If the income is:</li>\n\t</ul>\n\t</li>\n</ul>\n\n<ol style="\n list-style-type: disc;\n">\n\t<li>Above Rs.50,00,000 and up to Rs.1 crore – then 10% surcharge is applicable</li>\n\t<li>Above Rs.1 crore and up to Rs.2 crore – then 15% surcharge is applicable.</li>\n</ol>\n\n<p style="/* margin-left:36.0pt; */">In the Union Budget 2019-20, a new surcharge on income tax for super-rich individuals has been levied. So, individuals earning:</p>\n\n<ol style="\n list-style-type: disc;\n">\n\t<li>Between Rs.2 crores and up to Rs.5 crore –then 25% surcharge is applicable;</li>\n\t<li>For Above Rs. 5 crore – then 37% surcharge is applicable.</li>\n</ol>\n\n<ul>\n\t<li>An additional Cess of 4% for Health & Education is applicable to the income tax plus surcharge.</li>\n</ul>\n\n<p><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80C">Investments under Section 80C</a> can be made up to the tune of Rs.1,50,000 in different investments such as PPF, NSC, etc. and an additional Rs.50,000/- under Section 80 CCD(1B) in NPS can be made.</p>\n\n<ul>\n\t<li>Section 87A allows tax rebate to Individuals whose total annual income falls below Rs.5,00,000. This rebate is limited to Rs.12,500/- and essentially acquits people from having to pay taxes under Rs.5,00,000/-, However, the return of income has to be filed if income is over Rs.2,50,000/-. Individuals with income exceeding Rs.5,00,000/- do not get the benefit of any rebate under section 87A</li>\n</ul>\n\n<h2><strong>Exempted Income Categories</strong></h2>\n\n<p>Income which is exempt from Tax is stated under Section 10 of the Income Tax Act. These include among others income from agriculture, special allowances etc.</p>\n\n<h2><strong>Income Tax Slabs for HUF</strong></h2>\n\n<p>The Income Tax Slab for Hindu Undivided Family (HUF) is the same as the Tax slabs for Individuals under the age of 60 years in the year 2019 – 2020.</p>\n\n<h2><strong>Income Tax Slabs for Partnership Firms</strong></h2>\n\n<p>There is a flat tax rate for Partnership Firms and LLPs (Limited Liability Partnerships) and they are to pay Income Tax at the rate of 30%.</p>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 12% in cases where the annual income is more than Rs.1 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n</ol>\n\n<h2><strong>Income Tax Slabs for Local Authorities</strong></h2>\n\n<p>Local Authorities too are to be taxed at a flat tax rate of 30%.</p>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 12% in cases where annual income is more than Rs.1 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n</ol>\n\n<h2><strong>Income Tax Slabs for Domestic Companies</strong></h2>\n\n<p>Domestic Companies have received a boost. With the turnover raised from 250 crores to 400 crores for a tax rate of 25%. The turnover slab wise tax calculation is:</p>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p><strong>Turnover Particulars</strong></p>\n\t\t\t</td>\n\t\t\t<td> </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Gross turnover up to 400 Cr. in the previous year</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>25% (subject to conditions as set out in the Taxation Laws Amendment Ordinance, 2019)</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Gross turnover exceeding 400 Cr. in the previous year</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% (subject to conditions as set out in the Taxation Laws Amendment Ordinance, 2019)</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> Added to the tax amount is:</p>\n\n<p>Surcharge on tax:</p>\n\n<ol style="list-style-type:disc">\n\t<li>7% in cases where annual income is between Rs.1 Crore to Rs.10 Crore</li>\n\t<li> 12% in cases where annual income is more than Rs.10 Crore</li>\n</ol>\n\n<p>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</p>\n\n<h2><strong>Income Tax Slabs for Foreign Companies</strong></h2>\n\n<p>Foreign Companies are taxed at a rate of 40%.</p>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 2% in cases where annual income is between Rs.1 Crore to Rs.10 Crore</li>\n\t<li>5% in cases where annual income is more than Rs.10 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n</ol>\n\n<h2><strong>Income Tax Slabs for Co-operative Societies</strong></h2>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Income Tax Slab Rate</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Up to Rs.10,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>10% of Income</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Rs.10,000 to Rs.20,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% of Income exceeding Rs.10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Over Rs.20,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of Income exceeding Rs.20,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 12% in cases where annual income is more than Rs.1 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n\t<li>So, to calculate your tax liability for the year, you should keep a track of your annual income to know what Income slab you will be falling under for the year 2019 – 2020.</li>\n</ol>\n\n<p>Disclaimer: The above-mentioned tax rates and tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.</p>\n\n<h2 style="text-align: center;font-size: 32px;">Frequently Asked Questions</h2>\n\n<h3><strong>⭐ What are the Income Tax slab rates for AY 2019-20?</strong></h3>\n\n<p>The Income Tax slab rates for those below 60 years of age for Assessment Year 2019-20 (Financial Year 2018-19) are as follows:</p>\n\n<p>Table 1</p>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 2,50,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="42">\n\t\t\t<p>Rs 2,50,000 to Rs 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5% on income more than Rs 2.5 lakh subject to a maximum of Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="63">\n\t\t\t<p>Rs 500,000 to Rs 10,00, 000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="63">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p align="justify">30% on income exceeding Rs 10,00,000 plus Rs 1 lakh plus Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<div dir="ltr" id="Section1">\n<p>Table 2</p>\n\n<p>Senior citizens (above 60 years of age) are to follow the following tax rates</p>\n</div>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 3,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="42">\n\t\t\t<p>Rs 3, 00,000 to Rs 500,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5% on income more than Rs 3,00,000 subject to a maximum of Rs 10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="62">\n\t\t\t<p>Rs 500,000 to Rs 10,00, 000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="62">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of total income more than 10,00,000 plus Rs 1,10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p align="justify">These rates also had an additional health and education cess levied on the overall computable tax in addition to the surcharge. For those earning more than Rs 50 lakh and less than Rs 1 crore, the surcharge was 10%. Those earning more than Rs 1 crore attracted 15% surcharge.</p>\n\n<h3><strong>⭐ What are the Income Tax slab rates for 2020-21?</strong></h3>\n\n<p align="justify">The Income Tax slab rates for those below 60 years of age for Assessment Year 2020-21 (Financial Year 2019-20) are as follows -</p>\n\n<p align="justify">Table 1</p>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 2,50,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="42">\n\t\t\t<p>Rs 2,50,000 to R 5,00,00</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5% of total income more than Rs 2,50,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="41">\n\t\t\t<p>Rs 5,00,000 to Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% of total income more than Rs</p>\n\n\t\t\t<p>10,00,00 plus Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="41">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of total income more than 10,00,000 plus Rs 1,12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p align="justify">The Income Tax slab rates for those aged 60 to 80 years for Assessment Year 2020-are as follows –</p>\n\n<p>Table 2</p>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 3,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p>Rs 3,50,000 to R 5,00,00</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5%</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="41">\n\t\t\t<p>Rs 5,00,000 to Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% of total income more than Rs 10,00,00 plus Rs 10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="40">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of total income more than 10,00,000 plus Rs 1,10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<h3><strong>⭐ How can I save tax for Assessment Year 2020-21?</strong></h3>\n\n<p align="justify">You can reduce your tax liabilities to a considerable extent by adopting certain strategies.</p>\n\n<ol>\n\t<li>\n\t<p align="justify">Get health insurance: Section 80D of the Income Tax Act allows exemption of Rs 25,000 for health insurance of individuals and an additional Rs 25,000 for health insurance of parents. 50000 in case of mediclaim premium paid for parents who are senior c itizens</p>\n\t</li>\n\t<li>\n\t<p align="justify">Invest in Public Provident Fund: Interest on PPF is free.</p>\n\t</li>\n\t<li>\n\t<p align="justify">Contribute to NPS: Not only will you be building a pension corpus but by contributing to National Pension Scheme, you will also save taxes. NPS contributions qualify for up to Rs 50,000 deduction under Sec 80 CCD.</p>\n\t</li>\n\t<li>\n\t<p align="justify">Be charitable: Donations to charitable institutions are deductible under Section 80 G. However not all deductions are covered here, so it’s best to confirm with your CA or tax consultant.</p>\n\t</li>\n</ol>\n\n<h3><strong>⭐ Is it possible to file ATR for AY 2020-21 now?</strong></h3>\n\n<p align="justify">Yes, you can pay your advance tax and file your advance tax returns (ATR) as the Income Tax Department has already notified the IT returns for high value transactions. These transactions include paying power bills amounting to Rs 1 lakh and foreign travel worth Rs 2 lakh.</p>\n\n<p align="justify">You can download the ITR 1 from the Income Tax department’s website. You can file the ITR either by uploading an XML file or via online submission. ITR 1 is to be filed by those whose income is Rs 50 lakh and more, coming from such sources as salary/pension, and house property. The last date of filing ITR-1 for FY 2019-20 is 30 November, 2020.</p>\n\n<h3><strong>⭐ What is the standard deduction for AY 2020-21?</strong></h3>\n\n<p align="justify">With an additional Rs 10,000, the standard deduction allowed for Financial Year 2019-20 was taken up to Rs 50,000 following the provisions of the Interim Budget 2019. This brought much relief to the salaried and middle class, thereby also softening the impact of inflation. The standard deduction in the previous assessment years was Rs 40,000. With this, the taxable income of a person earning an annual salary of Rs 8 lakh is reduced from Rs 7,60,000 to Rs 7,50,000.</p>\n\n<h3><strong>⭐ What is the meaning of section 87 A under the IT Act?</strong></h3>\n\n<p align="justify">Section 87A is a legal provision which allows for tax rebate under the Income Tax Act of 1961. The section which was inserted through the Finance Act of 2013 provides tax relief for individuals earning below a specified limit. Section 87 A provides that anyone who is residing in India and whose income does not exceed Rs 3,50,000 is eligible to claim a rebate. This rebate is applicable only to individuals and not companies, etc and is calculated before adding the health and educational cess of 4 %.</p>\n\n<h3><strong>⭐ How should I calculate Income Tax for F.Y 2019-20?</strong></h3>\n\n<p align="justify">Financial Year 2020-21 allows an individual tax payer to pay his taxes by opting for either of two tax regimes. The old tax regime and the new one. The new income tax regime gives the individual the freedom to continue with the old tax regime if he/she so wishes. The old or existing tax regime will still have its relevant tax deductions and exemptions. The new tax structure has only one deduction which is the one under Section 80CCD(2). This means the employer’s contribution to the employee’s National Pension Scheme is deducted from the annual salary. Under both old and new regimes, you can deduct Rs 2,50,000 from your gross salary to arrive at your net taxable income since the exemption is applicable to both regimes.</p>\n\n<h3><strong>⭐ How are the new IT slabs calculated?</strong></h3>\n\n<p align="justify">Here’s how to calculate the tax payable by you for both the existing and new regimes. Remember some things remain basic or common irrespective of which regime you choose. For instance income from salary is the sum of your basic salary, housing rent allowance and any other allowances included.</p>\n\n<p align="justify">Under the old tax regime, a standard deduction of Rs 50,000 is allowed. Neither the standard deduction nor any exemptions can be availed of in the new tax regime.</p>\n\n<p align="justify">Let’s understand the impact of both regimes on your tax liability. Say you have total income of Rs 16,70,000 combined from salary and other sources. If you make investments under Sections 80C, 80TTA and 80D, you qualify for a deduction of about Rs 1,70,000 from your taxable income. Thus your taxable income is now Rs 15 lakh. This however does not mean that you have to pay 30% tax on Rs 15,00,000. Since tax rules change regularly in India, it is best to consult your CA or your tax advisor for any clarifications.</p>\n\n<p><strong>ARN: ED/10/19/16278</strong></p>', 'title': 'Income Tax Slabs in India - FY 2019-20/AY 2020-21', 'tags': ['Investment', 'Child', 'Retirement', 'Health', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Types and Features of Life Insurance You Must Know | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Choosing from the different types of life insurance in India is a crucial decision. Read to know the types & features of life insurance you should know about!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'types of insurance, types of life insurance, types of insurance policies, insurance types, what is life insurance, what is life insurance policy', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Types of Insurance\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Types of Insurance\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/type-of-insurance', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 70, 'slug': 'type-of-life-insurance', 'excerpt': 'Learn about different types and features of life insurance policy and plans. Learn about Term life insurance, whole life policy, Endowment plans, Unit linked insurance plans and Money back policy,etc', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_tile.jpg', 'image': {'banner': 'KeylUdbBQkcMFl0'}, 'banner_image': {'id': 'KeylUdbBQkcMFl0', 'alt': {'en': 'HDFC Life Click 2 Protect Plus'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_thumb.jpg'}, 'view_count': 148598, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-07T04:55:03Z', 'url': '/insurance-knowledge-centre/about-life-insurance/type-of-life-insurance', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section3">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<h2><strong>What is a Life Insurance Policy?</strong></h2>\n\n<p>A life insurance policy is a contract with an insurance company. In this policy, a person has to make regular payments<strong>(known as premiums)</strong>to the insurance company in order to receive a sum of money that will be paid to them after a period of time, or to their family, in case of the policyholder’s death, or if the policy matures. Typically, this type of policy is chosen based on your needs and goals.</p>\n\n<h2><big><strong>Different Types of Life Insurance Policies in India:</strong></big></h2>\n\n<p>There are two basic types of life insurance policies:</p>\n\n<h3>1.) Traditional Whole Life</h3>\n\n<p>A Whole Life Policy is a policy in which you pay till death of the policy holder</p>\n\n<h3>2.) Term Life Insurance</h3>\n\n<p>A Term Life Insurance is a policy for a fixed amount of time.</p>\n\n<p> </p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Sr No.</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Type of Insurance Policy</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Features</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 1</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/term-insurance-plans" target="_blank"><strong>Term Life Insurance</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>Term insurance is a life insurance product offered by an insurance company which offers financial coverage to the policy holder for a specific time period.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 2</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/insurance-plans" target="_blank"><strong>Whole Life Policy</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>The policyholder pays regular premiums until his death, upon which the corpus is paid out to the family.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 3</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/savings-investment-plans" target="_blank"><strong>Endowment Plans</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>Endowment plans pay out the sum assured under both scenarios - death and survival</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 4</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan" target="_blank"><strong>Unit Linked Insurance Plans</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>ULIP is a life insurance product, which provides risk cover for the policy holder along with investment options to invest in any number of qualified investments.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 5</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/savings-investment-plans/super-income-plan" target="_blank"><strong>Money Back Policy</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>Money back plan is a life insurance product as well as an investment plan which provides life insurance cover against death of the policy holder along with periodic returns as a percentage of sum assured.</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> </p>\n\n<h2><a href="https://www.hdfclife.com/term-insurance-plans" target="_blank">Term insurance</a></h2>\n\n<p><a href="/term-insurance-plans" target="_blank" title="Term Insurance Policy">Term plans</a> are the most basic type of life insurance. They provide life cover with no savings / profits component. They are the most affordable form of life insurance as premiums are cheaper compared to other <a href="https://www.hdfclife.com/insurance-plans" target="_blank">life insurance plans.</a></p>\n\n<p>Online term insurance plans provide pure risk cover, which explains the lower premiums. A fixed sum of money - the sum assured – is paid to the beneficiaries if the policyholder expires over the policy term. If the policyholder survives, there is no pay out.</p>\n\n<h2>Endowment plans</h2>\n\n<p>Endowment plans differ from term plans in one critical aspect i.e. maturity benefit. Unlike term plans which pay out the sum assured, along with profits, only in case of an eventuality over the policy term, endowment plans pay out the sum assured under both scenarios – death and survival. However, endowment plans charge higher fees / expenses – reflected in premiums – for paying out sum assured, along with profits, in either scenario – death or maturity. The profits are an outcome of premiums being invested in asset markets – equities and debt.</p>\n\n<h2><a href="https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan" target="_blank">Unit linked insurance plans (ULIP)</a></h2>\n\n<p>ULIPs are a variant of the traditional endowment plan.They pay out the sum assured (or the investment portfolio if its higher) on death/maturity.</p>\n\n<p>ULIPs differ from traditional endowment plans in certain areas. As the name suggests, performance of <a href="https://www.hdfclife.com/ulip-plans" target="_blank">ULIP</a> is linked to markets. Individuals can choose the allocation for investments in stock/debt markets. The value of the investment portfolio is captured by the <strong>NAV</strong> (net asset value). To that end, there are many similarities between ULIPs and mutual funds. ULIPs differ in one area, they are a combination of investment and insurance, while mutual funds are a pure investment avenue</p>\n\n<h2>Whole life policy</h2>\n\n<p>A <a href="/savings-investment-plans/sampoorn-samridhi-plus-whole-life-insurance-plan" target="_blank" title="Whole Life Insurance Policy">whole life insurance</a> policy covers a policyholder over his life. The main feature of a whole life policy is that the validity of the policy is not defined so the individual enjoys the life cover throughout his life. The policyholder pays regular premiums until his death, upon which the corpus is paid out to the family. The policy expiresonly in case of an eventuality as there is no pre-defined policy tenure.</p>\n\n<h2>Money back policy</h2>\n\n<p>A <a href="/insurance-knowledge-centre/about-life-insurance/type-of-insurance/www.hdfclife.com/savings-investment-plans/super-income-plan" target="_blank" title="Money Back Plan">money back policy</a> is a variant of the endowment plan. It gives periodic payments over the policy term. To that end, a portion of the sum assured is paid out at regular intervals. If the policy holder survives the term, he gets the balance sum assured. In case of death over the policy term, the beneficiary gets the full sum assured.</p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<p>1.) <a href="/insurance-knowledge-centre/about-life-insurance/need-for-insurance/" target="_blank" title="Need & Importance of Life Insurance">Need of Life Insurance</a></p>\n\n<p>2.) <a href="http://blog.hdfclife.com/understanding-different-categories-of-life-insurance-policy-532280" target="_blank" title="3 Categories of Life Insurance Plans">Categories Of Life Insurance Policies</a></p>\n\n<p>3.) <a href="/insurance-knowledge-centre/about-life-insurance/how-to-buy-term-insurance-online/" target="_blank" title="Online Term Plan Buying Guide">How To Buy Term Insurance Plans Online</a></p>\n\n<p>4.) <a href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-life" target="_blank" title="HDFC Life Click2Protect Plus - Online Term Life Insurance Plan">HDFC Life Click 2 Protect Life</a></p>\n\n<p>5.) <a href="/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-for-salaried-employees/" target="_blank" title="Tax Saving Tips for Salaried Employees">Tax Planning for Salaried Employees</a></p>\n\n<p>6.) <a href="/insurance-knowledge-centre/investment-for-future-planning/best-long-term-investment-options-in-2015" target="_blank" title="Long Term Investment Options for 2015">Long Term Investment Options</a></p>\n\n<p>7.) <a href="/insurance-knowledge-centre/investment-for-future-planning/best-short-term-investment-options-in-2015" target="_blank" title="Short Term Investment">Short Term Investment Options</a></p>\n</div>\n</div>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-life-insurance" target="_blank">What Is Life insurance?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank">Tips to Choose the Best Insurance Policy</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/why-life-insurance-is-important" target="_blank">Life Insurance is Important: Life Insurance Success Stories</a></li>\n</ul>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>\n\n<center><a class="btn btn-primary btn-fulid accDCont" href="https://onlineinsurance.hdfclife.com/portal.do?_portalid=ops_c2pp3d_v2&_pageid=ops_c2pp3d_v2_quotePage&ocpseqno=1&prodcd=C2P3DP&categcd=PROT&name=HDFC%20Life%20Click%202%20Protect%203D%20Plus&link=&source=KC_LITF_C2P3D_CalcP&agentcode=00399206&tabName=c2pp-3d_calculate_premium_v2\n" style="text-align: center;width: 55%;min-width:320px;font-size: 20px;text-transform: none;background-color: #d51d25;border-color: #d51d25;" target="_blank">Secure yourself now! </a></center>', 'title': 'Life Insurance Policy - Types and Features', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Features and Benefits of Insurance You Must Know | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Understand the need & advantages of life insurance & how it plays the dual role of savings & security in human life. To know more about life Insurance, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'benefits of life insurance, need of insurance, benefits of insurance, life insurance policy, why is insurance important', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Need For Insurance\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Need For Insurance\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/need-for-insurance', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 60, 'slug': 'benefits-and-need-for-insurance', 'excerpt': 'A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'image': {'banner': 'NHs1ROzIjpqDIYK'}, 'banner_image': {'id': 'NHs1ROzIjpqDIYK', 'alt': {'en': 'Term Insurance Meaning'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg'}, 'view_count': 7730, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-04T12:16:05Z', 'url': '/insurance-knowledge-centre/about-life-insurance/benefits-and-need-for-insurance', 'content': '<p class="float-left">A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects</p>\n\n<h2 class="img-wrp" style="text-align: left;"><strong>Life Insurance for Future Goal Planning</strong></h2>\n\n<ul>\n\t<li>\n\t<h3><strong>Certainty</strong></h3>\n\n\t<p>Once a goal has been identified and a value for it has been crystallized, a <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-life-insurance/" target="_blank">life insurance policy</a> is an excellent vehicle to fund the goal. This is because one can be rest assured that even in the unfortunate event of death or even critical illness, the sum assured will fund a future goal of the policyholder.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Tax efficient</strong></h3>\n\n\t<p>Maturity benefits of most insurance policies are tax free under Section 10 (10D) and the premium paid is eligible for deduction under Section 80C of the Income Tax Act, 1961.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Flexibility</strong></h3>\n\n\t<p>Insurance products, especially Unit Linked Plans, provide flexibility in terms of asset allocation to suit specific risk appetites, policy durations, premium payment terms and fund switching options.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Wider options</strong></h3>\n\n\t<p>Depending on the time horizon of the goal, the return required and the investor's risk appetite, a broad spectrum of asset allocations between equity and debt is possible in a Unit Linked Plan. An investor may tailor his policy to suit his requirement.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Liquidity</strong></h3>\n\n\t<p>Most Insurance products offer good liquidity after the lock-in period to take care of any emergency requirement of funds. But they do have inherent deterrents in the form of charges to discourage unnecessary encashment.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Earmarking</strong></h3>\n\n\t<p>Very often an insurance policy is taken for a specific goal. This therefore can become a deterrent against utilizing these funds for any other purpose and also encourages continued contributions.</p>\n\t</li>\n</ul>\n\n<h2><strong>Insurance for Financial Security</strong></h2>\n\n<p>Insurance helps you to provide for contingent liabilities like hospitalization, critical illness, debt redemption, etc. in a cost efficient manner.</p>\n\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n\t<li>\n\t<h3><strong>Term insurance</strong></h3>\n\n\t<p><a href="/term-insurance-plans" target="_blank">Term insurance</a> is the simplest form of life cover, which pays the sum assured on death. This is useful to simply provide for a family's survival in the unfortunate event of demise of the bread winner. This can also be used to cover repayment of any debt of a policy holder by simply assigning the policy to the creditor. Upon maturity or claim on the policy, the proceeds are paid to the creditor. Loan Cover policies are a variant where the sum assured keeps reducing in line with the loan balance.</p>\n\t</li>\n\t<li>\n\t<h3><strong><a href="/health-insurance-plans" target="_blank">Health insurance</a></strong></h3>\n\n\t<p>These policies provide cover against major health care expenses like hospitalization, surgery, critical illness, etc. The benefits could be in the form of fixed pay-outs on hospitalization or a lump sum on diagnosis against some specified critical illnesses.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Accident benefit</strong></h3>\n\n\t<p>This is usually an add-on cover over a basic policy and pays an additional sum assured to the beneficiary in case of death due to accident. Since accidental death is sudden and unforeseen, the family could be faced with issues like relocation, debt servicing and other requirement for funds.</p>\n\t</li>\n</ul>\n\n<h2><strong>Retirement Planning</strong></h2>\n\n<p>Indian life expectancy has improved dramatically over the years due to availability of advanced medical facilities. However, a longer working life may not really be possible due to occurrences of life-style induced illness and high burn-out rate. The evolving demographic balance with plenty of young talent becoming continuously available may also be a deterring factor to a longer working life unless one is self-employed.</p>\n\n<p>Consequently, our retirement life span could well be as long as our active working life span. This means that we have to build a solid corpus during our active life to maintain our life style for the long post retirement life if we are to enjoy the true meaning of the word "retirement". <a href="/retirement-and-pension-plans" target="_blank">Pension Plans</a> help us build up our savings during our earning years and provide us a lump sum on retirement. This lump sum can then provide us a retirement income by investing in an annuity.</p>\n\n<h2><strong>Provide Post Retirement Income</strong></h2>\n\n<p>The worst situation that a retiree can face is to run out of funds late into retirement. Such a situation may force him to seek help from friends / relatives or liquidate his fixed assets which essentially are a compromise of self-respect. This is where insurance offers the best solution in the form of an annuity. Annuities bought from the retirement corpus can either be used to provide regular post retirement income for a fixed term or for the entire life.</p>\n\n<p>A <a href="/retirement-and-pension-plans/click-2-retire" target="_blank" title="Pension Scheme">pension scheme</a> may be broadly divided into two phases, namely accumulation (pre-retirement) and distribution or consumption (post-retirement). In the above graph*, we assume a 30-year old who plans to retire at the age of 60 years and expects to live till the age of 80 years. His accumulation phase is between the age of 30 and 60 years when he builds his retirement corpus and distribution phase is between the age of 60 and 80 years when he drfaws down this corpus for his living. <a href="/retirement-and-pension-plans" target="_blank">Pension Plans</a> ensure that the distribution phase of your life is as comfortable as your earning years.</p>\n\n<p>* This is only to explain the point and the figures are not based on any calculation.</p>\n\n<h2><strong>Insurance as Inflation Shield</strong></h2>\n\n<p>Inflation lowers the purchasing power of money and makes a dramatic cumulative impact over the long term. It reduces our real income year after year as our cost of living keeps increasing. So, it must be taken into account while framing financial goals.</p>\n\n<p>The following illustration depicts the impact of inflation on income and prices.</p>\n\n<p>Insurance products such as <a href="/insurance-knowledge-centre/about-life-insurance/what-is-ulip-plans/" target="_blank" title="Unit Linked Insurance Plans">Unit Linked Plans</a> help us combat the impact of inflation on our financial goals by providing the option to invest in equity, which is known to deliver one of the best returns from all asset classes, over the long term. Ignoring inflation would result in our savings falling short of the estimated value of future goals, especially over the long term.</p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-plans" target="_blank" title="Insurance Plans">Life Insurance Plans</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/type-of-insurance" target="_blank" title="Types of Insurance">Types of Insurance</a></li>\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-plus?source=W_KC_BodyLinks_T2P" target="_blank" title="HDFC Life Click2Protect Term Plan Calculator">HDFC Life Click2Protect Term Plan Calculator</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/right-insurance-plan" target="_blank" title="How do I choose and decide on the right plan?">How do I choose and decide on the right plan?</a></li>\n\t<li><a href="/insurance-knowledge-centre/compare-life-insurance-plans/health-insurance-comparison/" target="_blank" title="Compare Health Plans and Policies">Health Insurance Comparison</a></li>\n\t<li><a href="http://blog.hdfclife.com/advantages-of-online-life-insurance-532220" target="_blank" title="Insurance, Just a Click Away!">Insurance, Just a Click Away!</a></li>\n</ul>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank">Tips to Choose the Best Insurance Policy</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/life-insurance-necessary-for-long-term-financial-security" target="_blank">Click 2 Protect Health, Benefits</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/advantages-of-buying-life-insurance-early" target="_blank">Advantages of Buying Insurance Early</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/10-reasons-why-you-need-to-invest-in-life-insurance" target="_blank">10 Reasons Why You Need to Invest in Life Insurance</a></li>\n</ul>\n\n<p style="text-align: center;"><a class="nav-btn red-btn" href="https://www.hdfclife.com/online-life-insurance-plans" rel="noopener" style="position: relative; color: #fff; background: #d51d25; border-radius: 2px; vertical-align: middle; font: 14px \'Source Sans Pro\'; font-weight: 600; padding: 10px 20px; margin-right: 8px; margin-left: 0;" target="_blank">Buy Life Insurance Plans</a></p>', 'title': 'Advantages of Insurance - Types and Benefits', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'NPdaPYFU4jMybhx', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'TAX - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Tax', 'alt': None, 'icon_url': None, 'label': 'TAX - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'How to File ITR - Guide on How to File Income Tax Returns Online - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'ITR Filling - Income tax return filing is no longer the hassle it used to be. 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Gone are the long queues and endless anxiety of making the tax-filing deadline.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'image': {'banner': 'jLnk9IjNhXb2Mjw'}, 'banner_image': {'id': 'jLnk9IjNhXb2Mjw', 'alt': {'en': 'Financial Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg'}, 'view_count': 63750, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-07T06:39:02Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/how-to-file-income-tax-returns-online', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section12">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Filing <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-income-tax-return" target="_blank">income tax returns</a> is no longer the hassle it used to be. Gone are the long queues and endless anxiety of making the tax-filing deadline<script>\n !function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0], p = /^http:/.test(d.location) ? \'http\' : \'https\'; if (!d.getElementById(id)) { js = d.createElement(s); js.id = id; js.src = p + \'://platform.twitter.com/widgets.js\'; fjs.parentNode.insertBefore(js, fjs); } }(document,\n \'script\', \'twitter-wjs\');\n </script></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>With online filing,also called e-filing, it is convenient to file returns from the confines of your home/office and at very short notice.</p>\n\n<p>Mentioned below are the broad steps to file your<a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank"> </a>income tax returns online:</p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td><strong>Sr No.</strong></td>\n\t\t\t<td><strong>Step</strong></td>\n\t\t\t<td><strong>Guide To File ITR Online</strong></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 1</td>\n\t\t\t<td>\n\t\t\t<p>Log on to the portal</p>\n\t\t\t</td>\n\t\t\t<td>Log on to the Income Tax Department portal (<a href="http://www.incometaxindiaefiling.gov.in/home">www.incometaxindiaefiling.gov.in</a>) for filing returns online. Register using your Permanent Account Number (PAN), which will serve as the user ID.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 2</td>\n\t\t\t<td>\n\t\t\t<p>Download appropriate ITR form</p>\n\t\t\t</td>\n\t\t\t<td>Under 'Download', go to e-filing under the relevant assessment year and select the appropriate Income Tax Return (ITR) form. Download ITR-1's (Sahaj) return preparation software if you are a salaried individual.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 3</td>\n\t\t\t<td>\n\t\t\t<p>Enter details in Form 16</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Open the Return Preparation Software (excel utility) that you have downloaded, follow the instructions and enter all details from your Form 16.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 4</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Compute all relevant tax details</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Compute tax payable, pay tax and enter relevant <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/enquiry-for-tds-challan-status">challan details</a> in the tax return. If you do not have a tax liability, you can skip this step.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 5</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Confirm the above details</p>\n\t\t\t</td>\n\t\t\t<td>Confirm the details entered by you and generate an XML file, which is automatically saved on your computer.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 6</td>\n\t\t\t<td>\n\t\t\t<p>Submit return</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Go the ‘Submit Return’ section and upload the XML file.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 7</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Digital signature</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>You can digitally sign the file on being prompted. If you do not have a digital signature, you can skip this step</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 8</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Confirmation from ITR verification</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>A message confirming successful e-filing is flashed on your screen. The acknowledgement form – ITR-Verification is generated and the same can be downloaded. It is also emailed to your registered email id.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 9</td>\n\t\t\t<td>E-verify Return</td>\n\t\t\t<td>You can e-verify the return through any one of the below six modes: 1) Netbanking, 2) Bank ATM, 3) Aadhaar OTP, 4) Bank Account Number, 5) Demat Account Number, 6) Registered Mobile Number & E-mail id. E-verification eliminates the need to send a physical copy of the ITR-5 acknowledgement to CPC, Bengaluru<br />\n\t\t\t </td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<h2 align="justify"><strong>How to Download Income Tax Return?</strong></h2>\n\n<p>It is important to how to file ITR on time, to avoid last minute stress and penalties. Once you have filed your ITR, the income tax verification form is generated by the IT department so that taxpayers can verify the validity and legitimacy of e-filing. These are applicable only if you have filed your returns without a digital signature.</p>\n\n<p>The income tax return verification form can be downloaded in easy steps.</p>\n\n<p>1.) Log in to the Income Tax India website <a href="https://portal.incometaxindiaefiling.gov.in/e-Filing/UserLogin/LoginHome.html?lang=eng" target="_blank">https://portal.incometaxindiaefiling.gov.in/e-Filing/UserLogin/LoginHome.html?lang=eng</a></p>\n\n<p>2.) View e-filed tax returns by clicking on 'View Returns/ Forms' option</p>\n\n<p><u><strong>Select option Income tax returns</strong></u></p>\n\n<p>Details of all the years for which returns are filed will be displayed</p>\n\n<p>1.) Click on the acknowledgement numberto download the ITR-V.</p>\n\n<p>2.) Begin the download by selecting 'ITR-V Acknowledgment'</p>\n\n<p>3.) To open the downloaded document, enter your password to open the document. The password is your PAN number in lower letters along with your birthdate.</p>\n\n<p><u><strong>For example-</strong></u></p>\n\n<p>PAN - ASIJP2345P</p>\n\n<p>Birthdate - 31/12/1980</p>\n\n<p>Password - asijp2345p31121980</p>\n\n<ul>\n\t<li>You need to send the printed and signed document to CPC Bangalore within 120 days of the e-filing.There is also an option of E verification of Income tax return by generating aadhar otp, through net banking, through ATM etc.</li>\n</ul>\n\n<h2 align="justify"><strong>Documents required to fill ITR</strong></h2>\n\n<p> It is important to have all the relevant documents handy before you start your e-filing process.</p>\n\n<ul>\n\t<li> Bank and post office savings account passbook, PPF account passbook</li>\n\t<li> Salary slips</li>\n\t<li> Aadhar Card, PAN card</li>\n\t<li> <u><strong>Form-16 </strong></u>- TDS certificate issued to you by your employer to provide details of the salary paid to you and TDS deducted on it, if any</li>\n</ul>\n\n<p> Interest certificates from banks and post office</p>\n\n<ul>\n\t<li> <u><strong>Form-16A</strong></u>, if TDS is deducted on payments other than salaries such as interest received from fixed deposits, recurring deposits etc. over the specified limits as per the current tax laws</li>\n\t<li> <u><strong>Form-16B</strong></u> from the buyer if you have sold a property, showing the TDS deducted on the amount paid to you</li>\n\t<li> <u><strong>Form-16C </strong></u>from your tenant, for providing the details of TDS deducted on the rent received by you, if any</li>\n\t<li><strong> </strong><u><strong>Form 26AS</strong></u> - your consolidated annual tax statement. It has all the information about the taxes deposited against your PAN</li>\n\t<li>a) TDS deducted by your employer</li>\n\t<li>b) TDS deducted by banks</li>\n\t<li>c) TDS deducted by any other organisations from payments made to you</li>\n\t<li>d) Advance taxes deposited by you</li>\n\t<li>e) Self-assessment taxes paid by you</li>\n\t<li> Tax saving investment proofs</li>\n\t<li> Proofs to claim deductions under section 80D to 80U (health insurance premium for self and family, interest on education loan)</li>\n\t<li> Home loan statement from bank</li>\n</ul>\n\n<h2 align="justify"><strong>How to check ITR status online?</strong></h2>\n\n<p>Once you have filed your income tax returns and verified it, the status of your tax return is 'Verified'. After the processing is complete, the status becomes 'ITR Processed'.</p>\n\n<p>If you wish to know which stage your tax return is after filing it and want to check your ITR status online, here’s how you can do it in easy steps.</p>\n\n<p><u><strong>Option One</strong></u></p>\n\n<p><strong><em>Without login credentials</em></strong></p>\n\n<p>You can click on the ITR status tab on the extreme left of the e-filing website.</p>\n\n<p>You are then directed to a new page where you have to fill in your PAN number, ITR acknowledgement number and the captcha code.</p>\n\n<p>Once this is done, the status of your filing will be displayed on the screen.</p>\n\n<p><u><strong>Option Two</strong></u></p>\n\n<p><strong><em>With login credentials</em></strong></p>\n\n<p>Login to the e-filing website.</p>\n\n<p>Click on the option 'View Returns/Forms'</p>\n\n<p>From the dropdown menu, select income tax returns and assessment year</p>\n\n<p>Once this is done, the status of your filing (whether only verified or processed) will be displayed on the screen.</p>\n\n<p align="justify">Keeping the Income Tax Department informed about your income and taxability will keep you on the right side of the law and prevent any blocks in your financial competency. Now that you know whether or not you compulsorily have to file your ITR, you need to ensure that you complete the process before the deadline every year.</p>\n\n<h3><strong>Similar Articles:</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slabs">Income Tax Slabs for FY 2015 and AY 2016</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/how-to-save-income-tax-by-insurance" target="_blank" title="Insurance as a Tax Saving Investment">How to Save Tax with Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-saving-investments-in-2015/" target="_blank" title="Best Tax Saving Plans">Best Tax Saving Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Tax System In India">Tax Structure In India</a></li>\n</ul>\n\n<p> </p>\n\n<p> </p>\n\n<p> </p>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'title': 'How to File Income Tax Return (ITR) Online', 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Financial Planning Tips for Beginners - Early Savings Guide | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Saving money can be the powerful tool towards greater financial independence. Now you might be wondering how to save? Here are the tips to get you started!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'early financial planning, financial tips for beginners, health plan, health plan, investment tips for beginners, financial planning', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Tax:Financial Planning Tips For Beginners\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Tax\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Tax:Financial Planning Tips For Beginners\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/tax-saving-insurance/financial-planning-tips-for-beginners', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Calculate Premium', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/savings-plans/sanchay-plus', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'id': 22, 'slug': 'financial-planning-tips-beginners', 'excerpt': 'If there is one reason why some individuals are more successful with their finances it’s because they are acting on the right financial planning tips. And the best financial planning tip out there is – start early before it gets too late.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'image': {'banner': 'jLnk9IjNhXb2Mjw'}, 'banner_image': {'id': 'jLnk9IjNhXb2Mjw', 'alt': {'en': 'Financial Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg'}, 'view_count': 1869, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-08T05:44:00Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/financial-planning-tips-beginners', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section12">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">If there is one reason why some individuals are more successful with their finances it’s because they are acting on the right financial planning tips. And the best financial planning tip out there is – start early before it gets too late.</p>\n\n<p class="float-left">When it comes to doling out financial planning tips, there is no one bigger than Warren Buffet – the highly regarded investor guru.</p>\n\n<p class="float-left">When asked in a TV show about ‘the biggest mistake we make when it comes to money’, this is what Warren Buffet had to say:</p>\n\n<p class="float-left"><i>“Well, I think the biggest mistake is not learning the habits of saving properly early. Because saving is a habit. And then, trying to get rich quick. It's pretty easy to get well-to-do slowly. But it's not easy to get rich quick.” </i></p>\n\n<div class="inner-plans-wrp generic ">\n<p><!--</blockquote>--></p>\n</div>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>When it comes to saving there cannot be a bigger mistake than postponing investing. Individuals often underestimate the importance of time in amassing wealth. They assume wrongly that they can always make up for lost time in the future.</p>\n\n<p>So if you are looking for financial planning tips, look no further than these three ideas.</p>\n\n<ul class="pad-left10 pad-bottom10 ol-list" style="text-align: justify;">\n\t<li>\n\t<h2>Get a Head Start in Saving</h2>\n\n\t<p>To understand how important a head start can be - take two friends – Raj and Rahul - in their first jobs. They earn approximately the same salary –Rs 25,000 a month.</p>\n\n\t<p>Raj, the carefree type, cannot be bothered about saving money. Needless to say – he spends about everything he earns.</p>\n\t</li>\n</ul>\n</div>\n</div>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<ul class="pad-left10 pad-bottom10 ol-list" style="text-align: justify;">\n\t<li>\n\t<p>Rahul is the more conservative one, always saving for the rainy day. As part of his <a href="https://www.hdfclife.com/savings-plans">savings plan</a> for the future, he sets aside 20% of his salary (or Rs 5,000) towards an investment plan. This he proposes to sustain over 30 years.</p>\n\n\t<p>Looking at Rahul’s investments blossoming over the years Raj – the happy go lucky one – realizes rather belatedly that pursuing a high consumption lifestyle was a mistake. He should have begun investing like Rahul. He decides to begin saving towards an investment plan with a commitment of Rs 5,000 per month. Worth noting is that Raj begins investing 10 years later than Rahul, so his is a 20-year investment time frame.</p>\n\t<b>Early bird gets the worm </b>\n\n\t<p><small>(Rate of return on the investment plan is assumed to be 12% CAGR) </small><br />\n\tClearly, Raj’s 10-year delay proves very expensive –to be precise it costs him over Rs 1.25 crores.</p>\n\t</li>\n\t<li>\n\t<h2>Early Life Insurance</h2>\n\n\t<p>Taking <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/type-of-insurance" target="_blank">life insurance</a> at the earliest is another financial planning tip for the family breadwinner. Anyone with a family needs to make sure his loved ones are secure – at least in a financial sense – when he is gone. The best way to achieve this is through a protection plan, also known as a <a href="/term-insurance-plans" target="_blank" title="Term Insurance Plan by HDFC Life">term plan</a>. The earlier one opts for life insurance, lower the premium. As you age, insurance premiums get expensive and if you are beset with health problems, you could end up paying even higher premiums.</p>\n\t</li>\n\t<li>\n\t<h2>Early Health Cover</h2>\n\n\t<p>Equally prudent is to opt for a <a href="/health-insurance-plans" target="_blank" title="Health Insurance Plans by HDFC Life">health plan</a> or mediclaim at the earliest. As you grow older medical policies get expensive and if there is a medical condition, you may struggle to get a policy, at competitive premiums, if at all.</p>\n\t</li>\n</ul>\n\n<h3><strong>Conclusion</strong></h3>\n\n<p>As you can see, when it comes to saving and investing, you must start as early as possible. Delaying your plan even by a year could end up costing you a large chunk later on. Along with your investments, you also need to safeguard your finances and your family’s future. Today, every balanced investment portfolio also contains life and health insurance policies. While life insurance plans can help you grow your money, health policies will take care of your finances in a medical emergency. By saving and investing right from the time you start earning, you can build a financially secure future for yourself and your loved ones.</p>\n</div>\n</div>\n</div>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-planning-basics" target="_blank">Basics of Financial Planning – A Complete Guide</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-panning-in-india" target="_blank">Thumb rules for personal financial planning in India</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/4-financial-planning-tips-to-make-your-dreams-a-reality" target="_blank">4 Financial Planning Tips to make your dreams a reality</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-planning-and-its-importance" target="_blank">Financial Planning and its Importance</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-planning" target="_blank">Why do I need Savings & Investment Plans?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/important-life-milestones-that-need-you-to-start-saving-for" target="_blank">Important life milestones that need you to start saving for</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/what-should-be-your-financial-goals-in-your-30s" target="_blank">What should be your financial goals in your 30s? </a></li>\n</ul>\n\n<p> </p>\n</article>\n</div>\n</div>', 'title': 'Early Financial Planning Tips for Beginners - Guide to Save Money', 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Tax Planning for Salaried Employees - Tips to Save More | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Ever felt that you are paying too much tax? Then here is a good news for you! Read the amazing tax planning tips so that you start saving more. 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Planning involves making a set of decisions at the start of the financial year in April and discipline comes in when you are required to adhere to the plan come what may.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_tile.jpg', 'image': {'banner': 'W5QsyTcttQjzpfW'}, 'banner_image': {'id': 'W5QsyTcttQjzpfW', 'alt': {'en': 'Tax Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_thumb.jpg'}, 'view_count': 29963, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-08T06:02:00Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-salaried-employees', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section12">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Tax planning for the salaried employees is a matter of planning and discipline. Planning involves making a set of decisions at the start of the financial year in April and discipline comes in when you are required to adhere to the plan come what may.</p>\n\n<p class="float-left"><strong>There are certain <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/tax-benefits-on-life-insurance">tax saving</a> tips for salaried employees that should hold them in good stead. The tips are geared to reduce tax outgo and help fulfill their financial goals.</strong></p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td><strong>Sr No.</strong></td>\n\t\t\t<td><strong>Tax Saving and Tax Planning Tips</strong></td>\n\t\t\t<td><strong>Comments</strong></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 1</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Take a good look at Section 80C</strong></p>\n\t\t\t</td>\n\t\t\t<td>Section 80 C is important for taxpaying individuals.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 2</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Start with Rs 150,000</strong></p>\n\t\t\t</td>\n\t\t\t<td>PPF, NSC, Life Insurance are most suitable options</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 3</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Begin with the most important options</strong></p>\n\t\t\t</td>\n\t\t\t<td>Life Insurance and EPF could be included</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 4</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Move to the second rung options</strong></p>\n\t\t\t</td>\n\t\t\t<td>ULIP, Pension Plans and NPS qualify for tax benefits</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 5</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Have you taken a home loan?</strong></p>\n\t\t\t</td>\n\t\t\t<td>Claim tax benefits under Section 80C And under Section 24 towards interest payment on the home loan.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 6</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Don’t forget the other sections</strong></p>\n\t\t\t</td>\n\t\t\t<td>Section 80D, Section 80E, Section 80G</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p class="float-left"> </p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic "><!--</blockquote>-->\n<ul class="pad-left10 pad-bottom10 ol-list" style="text-align: justify;">\n\t<li>\n\t<h2>Tip 1 – Take a good look at Section 80C</h2>\n\n\t<p>When it comes to taxation of salaried employees, perhaps no section is a bigger ally than Section 80C. So the biggest tax planning tip for salaried employee is to take a good look at Section 80C to maximize take-home salary, legally ‘reduce’ income tax rate and lower tax payout.</p>\n\n\t<p>Section 80C comes with a broad range of options to help individuals lower tax liability.</p>\n\n\t<p>Section 80C offers as much as Rs 150,000 in terms of tax benefit, which tells you how important it is for taxpaying individuals.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 2 – Start with Rs 150,000</h2>\n\n\t<p>Make Rs 150,000 your starting point and work backwards by considering the most suitable options like <a href="https://www.hdfclife.com/insurance-plans" target="_blank" title="Life Insurance India">life insurance</a>, PPF (public provident fund), tax-paying mutual funds, NSC (National Savings Certificate) and so on.</p>\n\n\t<p>The <a href="/savings-investment-plans" target="_blank" title="Investment Plans in India by HDFC Life">investment plans</a> and allocations depend primarily on your financial goals, risk profile and income levels. Your financial planner should be helpful over here. He can guide you on how to make the most of these options.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 3 – Begin with the most important options</h2>\n\n\t<p>While reviewing Section 80C benefits, go for options that you would take anyway, even if there was no tax benefit. Typically this would include life insurance, employee provident fund (EPF) – should your employer qualify for the same, tuition fees and so on. Deduct all these from the Rs 150,000 starting point.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 4 – Move to the second rung options</h2>\n\n\t<p>Once you have got the most important options out of the way, it’s time to take a close look at the second rung. This would typically include tax-saving mutual funds and ULIPs (unit-linked insurance plans) if you are the risk-taking type or PPF and NSC if you prefer low risk options.</p>\n\n\t<p>If you want to invest in a pension plan, then the good news is that premium payment on <a href="/retirement-and-pension-plans" target="_blank" title="Retirement and Pension Plans by HDFC Life">pension plans</a>,under Section 80CCC – a sub-section of Section 80C – also qualify for tax benefits.</p>\n\n\t<p>By the same token, contribution to New Pension Scheme (NPS) – under Section 80CCD – a sub-section of Section 80C, also qualify for tax benefits.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 5 – Have you taken a home loan?</h2>\n\n\t<p>If you have availed a home loan, you can claim tax benefits under Section 80C by furnishing proof of principal re-payment on the home loan.</p>\n\n\t<p>You can also claim tax benefits under Section 24 towards interest payment on the home loan.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 6 – Don’t forget the other sections</h2>\n\n\t<p>While Section 80C seems to hog most of the footage, so to say, when it comes to tax-planning there are other sections that can save a bundle on taxes.</p>\n\n\t<p>While listing the sections may not prove very meaningful, we have listed down the documents individuals need to submit to avail of tax benefits under the sections:</p>\n\n\t<ol>\n\t\t<li>Rent receipts to claim HRA tax benefit</li>\n\t\t<li>Medical bills to claim tax-free medical allowance</li>\n\t\t<li>Proof of travel to claim leave travel allowance (LTA) tax benefit – usually twice in a block of four years</li>\n\t\t<li>Proof of conveyance, if required by company guidelines, to claim conveyance allowance</li>\n\t\t<li>Premium receipt of health insurance/<a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan/" target="_blank" title="Difference Between Health Insurance and Mediclaim Policy">mediclaim</a>, including premium paid on parents’ health insurance – Section 80D</li>\n\t\t<li>Statement of education loan with details of the interest component - Section 80E</li>\n\t\t<li>Proof of donation to a recognized charity under Section 80G</li>\n\t</ol>\n\t</li>\n</ul>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/term-insurance-plans/click-2-protect-plus" target="_blank" title="Online Term Insurance Plan in India by HDFC Life">HDFC Life - Click2Protect Plus Online Term Plan</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/safe-investment-options-in-india-for-2015" target="_blank" title="Safe Investment Options for 2015">Safe Investment Options in India with Higher Returns</a></li>\n\t<li><a href="/retirement-and-pension-plans/click-2-retire" target="_blank" title="Online Pension Scheme by HDFC Life">HDFC Life - Click2Retire Unit Linked Pension Plan</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/tax-free-income-and-investment-options-for-2021">6 Tax Free Income and Investment Options</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/national-pension-scheme">What is National Pension Scheme?</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Income Tax 2017 18">Income Tax Slab For FY 2017-18</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80D" target="_blank" title="Section 80 D Deductions">Deductions Under Section 80 D</a></li>\n</ul>\n\n<p>To learn more about the income tax slabs AY 18-19, <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2018-19" target="_blank">click here.</a></p>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/wealth-creation-for-salaried-person" target="_blank">Wealth-building for salaried persons: the way ahead</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/how-to-calculate-income-tax" target="_blank">Simple Guide to Calculate Income Tax for Salaried Individuals</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'Tax Planning Tips for Salaried Employees', 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}]}}], 'tabs': {'label': 'tabs', 'content': []}}}, 'SN5e5YwxY2kvh9N': {'slug': 'footer-text', 'id': 'qbOASBU8xynSNcu', 'type': 'data-wysiwyg_editor', 'fields': {'wysiwyg-editor': ['footer-text']}, 'template_url': 'common-widgets/footer_text.tpl.html', 'label': 'footer text - Z', 'data': {'icon_url': None, 'label': 'footer text - Z', 'alt': None, 'footer-text': {'text': '<p>Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as <a href="/term-insurance-plans"> term insurance plan </a>, <a href="/women-insurance-plans"> women's plan </a>, <a href="/health-insurance-plans"> health insurance plans </a>, <a href="/retirement-and-pension-plans"> pension plans for retirement planning </a>, <a href="/children-insurance-plans"> child education plans </a>, <a href="https://www.hdfclife.com/ulip-plans"> ULIPs </a>, <a href="https://www.hdfclife.com/savings-plans"> Savings plans</a>. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.<br />\n<br />\nAs per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My <a href="mailto:Account/[email protected]">Account/[email protected]</a>/18602679999/HDFC Life branch. Ignore if already submitted.</p>\n\n<div class="more-content">\n<p><strong>HDFC Life Insurance Company Limited</strong>. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.</p>\n\n<p><strong>Registered Office: </strong></p>\n\n<div itemscope="" itemtype="http://schema.org/LocalBusiness"><span itemprop="name">HDFC Life Insurance Company Limited, </span>\n\n<div itemprop="image" itemscope="" itemtype="http://schema.org/ImageObject" style="display:none"><img alt="" itemprop="url" src="//brandsite-images.hdfclife.com/static/assets/img/brandsite_home/hdfc-life-logo.png" width="250" /></div>\n\n<div itemprop="address" itemscope="" itemtype="http://schema.org/PostalAddress">\n<p><span itemprop="streetAddress">Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, </span> <span itemprop="addressLocality"> Mumbai </span> <span itemprop="postalCode"> 400 011. </span> Tel No: <span itemprop="telephone"> (022)67516666.</span></p>\n\n<p>The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement<br />\nFor more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792</p>\n</div>\n\n<div class="hidden-sm hidden-md hidden-lg"><a class="cta-read-more cta-red read-more"> Read more </a> <a class="cta-read-less cta-red read-less"> Read less </a></div>\n</div>\n</div>\n<!--- Customer Service popup --->\n\n<div class="modal fade videoPopup" id="spopUp">\n<div class="modal-dialog">\n<div class="modal-content">\n<div class="modal-header">\n<h4 class="modal-title" id="videoPopupModal">THANK YOU FOR CONTACTING</h4>\n<a class="modal-close" data-dismiss="modal" href="#"><img alt="" src="/static/assets/img/fund_performance/popup-close-icon.png" /> </a></div>\n\n<div class="modal-body">\n<div class="successMsg">\n<p>Your request has been submitted successfully. Our Team will get back to you soon</p>\n</div>\n</div>\n</div>\n</div>\n</div>\n<!--- Customer Service popup ends --->', 'label': 'footer text'}}}, 'mob_tsQLIZ4y0tmIeRu': {'slug': 'categorised-article-widget-homepage-v2', 'id': 'jyWjn5BNVLy3I03', 'type': 'widget_list', 'fields': {'text-list': ['tabs'], 'textfield': ['red-header', 'blue-header', 'category-sequence']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_categories.tpl.html', 'label': 'categorised article widget homepage v2', 'data': {'category-sequence': 'Insurance Basics,Tax,Investment,Retirement,Health,Child', 'alt': None, 'icon_url': None, 'red-header': 'Center', 'label': 'categorised article widget homepage v2', 'blue-header': 'Knowledge', 'content': [{'slug': 'knowledge-center-landing-articles-homepage', 'id': 'AczaPFoUyIYNnnV', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'RETIREMENT - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Retirement', 'alt': None, 'icon_url': None, 'label': 'RETIREMENT - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Retirement planning is important to ensure you have a continuous stream on income once you retire. To know more about why your taxes in retirement may be less than you think, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Why Your Taxes in Retirement Maybe Less Than You Think – HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'taxes in retirement, retirement planning, retirement plans', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n\n</script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Plan Your Retirement Now', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/retirement-and-pension-plans?source=NW_KC_PlanRW_37&agentcode=00399206', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 704, 'slug': 'why-your-retirement-taxes-maybe-less-than-you-think', 'excerpt': 'Retirement planning must start at an early age to ensure a stable and a secure future. HDFC Life in this article talks about the reasons why taxes may be less during your retirement than you think.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/34__tile.jpg', 'image': {'banner': '4f4bKovxGZCwJqP'}, 'banner_image': {'id': '4f4bKovxGZCwJqP', 'alt': {'en': '7 Retirement Planning Steps Late Starters Must Make'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/34_.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/34_.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/34__tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/34__thumb.jpg'}, 'view_count': 1509, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/34__thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}], 'publish_at': '2018-11-05T06:30:21Z', 'url': '/insurance-knowledge-centre/retirement-planning/why-your-retirement-taxes-maybe-less-than-you-think', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>Retirement planning is important to ensure you have a continuous stream on income once you retire. But some people worry they will have to spend too much on taxes after retirement. Here are a few reasons to help you understand why your <a href="http://www.hdfclife.com/insurance-knowledge-centre/retirement-planning/tax-benefits-of-various-pension-plans">taxes in retirement </a> may be less than you think:</p>\n\n<ol style="list-style-type:lower-alpha;">\n\t<li>Not all your retirement income is taxable- When you're working, the bulk of your income is from your job and is fully taxable (after deductions and exemptions) at ordinary income tax rates. When you're retired, this is only true for pension income, withdrawals from taxable retirement accounts, and any rental, business, and wage income you have.</li>\n\t<li>Your income will probably be lower- You ideally need 80% of your pre-retirement income after retirement. But you may even need lower. Maybe you don’t have any loan to pay. Or all your children are financially independent. You expenses on eating out and shopping are lesser and you don’t spend too much on commuting. All these factors also determine that you need lesser amount for maintaining your lifestyle post retirement.</li>\n\t<li>Your Effective rate is what matters in retirement- When you're contributing to a retirement account, you probably want to look at your marginal tax rate. That's the tax rate you pay on an additional dollar of income. The reason is because the next dollar that you contribute to your retirement account would normally be taxed at the marginal tax rate. You need to use a lower marginal rate while calculating how much taxes you will pay after retirement.</li>\n\t<li>Higher taxes are highly unlikely- Tax rates may be higher when you retire. It is likely that any higher rates would only be on the upper brackets, which may either only apply to a portion of your income or not apply to you at all. The government also doesn’t want to increase the taxes of senior citizens so it is unlikely that the taxes will be higher.</li>\n</ol>\n\n<p>HDFC Life has a lot of smart <a href="https://www.hdfclife.com/retirement-and-pension-plans">retirement plans</a> to help you plan your future as per your requirement. Choose a plan today and secure yourself financially.</p>\n\n<p><a href="https://www.hdfclife.com/online-life-insurance-plans">https://www.hdfclife.com/online-life-insurance-plans</a></p>\n\n<p> </p>', 'title': 'Why your Taxes in Retirement Maybe Less than you think', 'tags': ['Retirement', 'Health', 'Investment', 'Tax', 'Insurance Basics', 'Child'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'QROPS for NRIs/PIOs - UK Pension Transfer Scheme', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'QROPS is a fund transfer scheme provided by HMRC for expats when they are moving out of UK. It provides tax efficiency, fund mobility & ROI, To know more about QROPS, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'qrops, qrops india, fund transfer scheme, overseas pension scheme', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Retirement:QROPS\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Retirement\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Retirement:QROPS\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/retirement-planning/qrops-uk-pension-transfer-scheme', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Plan Your Retirement Now', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/retirement-and-pension-plans/pension-guaranteed-plan?source=NW_KC_PlanRW_13&agentcode=00399206', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 39, 'slug': 'qrops-uk-pension-transfer-scheme', 'excerpt': 'QROPS (Qualifying Recognised Overseas Pension Scheme) is a fund transfer scheme provided by HMRC for expats when they are moving out of UK. QROPS provides tax efficiency, fund mobility & higher returns on investment (in India).', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_tile.jpg', 'image': {'banner': '5AZaq8gAHtC22Qz'}, 'banner_image': {'id': '5AZaq8gAHtC22Qz', 'alt': {'en': 'QROPS - UK Pension Transfer Scheme'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_thumb.jpg'}, 'view_count': 802, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP4_3gGatzW_thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-07T08:02:00Z', 'url': '/insurance-knowledge-centre/retirement-planning/qrops-uk-pension-transfer-scheme', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_PYR_4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">QROPS (Qualifying Recognised Overseas Pension Scheme) is a fund transfer scheme provided by HMRC for expats when they are moving out of UK. QROPS provides tax efficiency, fund mobility & returns on investment (in India).</p>\n\n<p class="float-left"><strong>QROPS... </strong> If at any point in time you have worked in the UK and have accumulated a pension fund there, in all probabilities you would know about this term. In layman's term QROPS is an option provided by HMRC (Her Majesty Revenue & Customes - the UK based regulator), to facilitate funds transfers for expats when they are moving out of UK, either back to India or anywhere else across the world. It stands for Qualifying Recognised Overseas <a href="https://www.hdfclife.com/retirement-and-pension-plans/pension-guaranteed-plan" target="_blank">Pension Scheme</a>. The key advantages of QROPS lie in tax efficiency *, mobility it offers you to take your funds where you go and gaining from an upside by investing in countries like India which offer a higher yield.</p>\n\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<h3>Why QROPS?</h3>\n\n<p>Lets imagine a scenario where you do not have an option of transferring your accumulated funds to a QROPS? The options left to you are:</p>\n\n<ol class="ol-list" style="margin-bottom:10px;">\n\t<li>\n\t<p>Withdraw accumulated fund when you move out and end up paying a tax surcharge in the UK as which at times are as high as 55% on the entire corpus</p>\n\t</li>\n\t<li>\n\t<p>Wait till you attain pensionable age, and utilize your funds either through annuity or in the form of income draw down as per limit defined by HMRC</p>\n\t</li>\n\t<li>\n\t<p>Once you attain pensionable age you also have an option to withdraw 25% of your corpus as tax free amount</p>\n\t</li>\n</ol>\n\n<p>However, if we look at options offered by QROPS, it definitely comes across as a good option which is allowed by Her Majesty Revenue & Customs</p>\n\n<ol class="ol-list" style="margin-bottom:10px;">\n\t<li>\n\t<p>Not withdrawing your funds in the UK and and transferring the same through QROPS, provides you with a tax efficient method to transfer your funds</p>\n\t</li>\n\t<li>\n\t<p>You tend to gain from higher annuity rates and more options vis-a-vis what you would get in the UK</p>\n\t</li>\n\t<li>\n\t<p>You also have an option of utilizing your funds to further enhance your corpus and hence gain from the higher cost of capital vis-a-vis what you get in the UK</p>\n\t</li>\n\t<li>\n\t<p>With a large no of products, QROPS also offers you a wide range of products to choose from, and to choose products that best serve your requirements</p>\n\t</li>\n</ol>\n\n<p>Broadly, for any individual, the QROPS comes across as an excellent option to not tax efficiently manage the funds but also in terms of deciding where exactly the fund should be utilized</p>\n\n<h3>QROPS in India</h3>\n\n<p>QROPS in India remains largely an untapped market and less known of an option. This is primarily on the ground of lack of awareness about QROPS and its process, availability of suitable and qualified product for such transfers, and seamless process flow right from the time the customer thinks of QROPS to the time funds are transferred. Tackling the issues of awareness, product and seamless processing, this is a huge opportunity for QROPS market in India, given the number of NRIs who either have already come back to India or are planning to come back and have a pension corpus lying in the UK.</p>\n\n<h3><a href="/retirement-and-pension-plans/qrops-overseas-pension-scheme" target="_blank">QROPS in HDFC Life</a></h3>\n\n<p>At HDFC Life we launched QROPS transfers in the 2013-14, and the response we received has been very encouraging. The key customer needs that we have identified and addressed are product and support.</p>\n\n<p>Having a suitable and qualified product is a must. Historically also, HDFC Life has been a strong promoter of retirement products. With all our 5 Retirement Solution products registered with HMRC as QROPS, we have the capability to offer the customers a wide range of products to choose from.</p>\n\n<p>One of our values being Customer Centricity, any process we design is keeping the customer in mind, with an endeavor to offer a seamless, hassle free experience. With a dedicated team handling QROPS transfers, its our attempt to give customised attention to each customer.</p>\n\n<div class="disclaimer outer-box mrgn-top10">\n<h3 class="disclaimer-heading">Disclaimer:</h3>\n\n<p>*Tax laws are subject to change, we advice you to consult your tax advisor for details.</p>\n</div>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>\n\n<h3>Tax Definitions:</h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/taxation-in-india/Service-Tax/" target="_blank" title="Service Tax In India">Service Tax</a></li>\n\t<li><a href="/insurance-knowledge-centre/taxation-in-india/What-is-VAT/" target="_blank" title="VAT In India">VAT</a></li>\n</ul>', 'title': 'QROPS - UK Pension Transfer Scheme', 'tags': ['Retirement', 'Tax', 'Insurance Basics', 'Child', 'Investment', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Key Impact of Inflation on Your Savings | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'HDFC Life explains giving reasons that how inflation can affect your budget overtime & why it cannot be ignored to have a secured retired life. Read to know!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'how inflation affects your money, how inflation erodes savings, impact of inflation', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Retirement:Inflation Impact on Savings\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Retirement\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Retirement:Inflation Impact on Savings\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/retirement-planning/inflation-impact-on-savings/', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'View Savings Plan', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/savings-plans/sanchay-plus', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 44, 'slug': 'inflation-impact-on-savings', 'excerpt': 'Living long is everyone’s dream but outliving your finances can turn it into a nightmare. Spiraling cost of basic amenities is a constant threat to retirement savings.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'image': {'banner': 'zXCXFNMpEpXGfij'}, 'banner_image': {'id': 'zXCXFNMpEpXGfij', 'alt': {'en': 'What are Unit-linked Pension Plans'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg'}, 'view_count': 1663, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-08T10:59:00Z', 'url': '/insurance-knowledge-centre/retirement-planning/inflation-impact-on-savings', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_PYR_2">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Living long is everyone’s dream but outliving your finances can turn it into a nightmare. Spiraling cost of basic amenities is a constant threat to retirement savings. Better known as inflation, it is the single largest menace that gnaws away any form of savings.</p>\n\n<p>Because inflation is like a silent operator working in the background, most individuals never notice its eroding effects on their finances, until it’s too late.</p>\n\n<p>Inflation has a dual impact on the investor’s hard-earned savings. It not only erodes the current purchasing power of money it also magnifies the monetary requirements for the future.</p>\n\n<p>Therefore the all-important question for the investor is – will his savings withstand the eroding effect of inflation?</p>\n\n<p>Take an investor setting aside Rs 10,000 every month in a <a href="/savings-investment-plans" target="_blank" title="savings plan">savings plan</a> that fetches 10% return. Over 30 years, his corpus will grow to Rs 2,26,04,879, which in his view is a reasonable sum to meet his financial needs at that time.</p>\n\n<p>This is of course the amount he will save, untouched by inflation.</p>\n\n<p>Once you consider inflation – say 5%, then over a 30-Yr period, the sum will halved to Rs 1,13,02,440.</p>\n\n<p>The 10% rate of return on the investment appears reasonable at first, until you factor in 5% inflation. This is the real rate of return – which is what matters at the end of the day.</p>\n\n<p>One way to counter the eroding effects of inflation is by investing a significant portion of savings in equities – like a unit-linked plan (<a href="/insurance-knowledge-centre/about-life-insurance/what-is-ulip-plans/" target="_blank" title="Definition and Meaning of ULIP">ULIP</a>), particularly at a younger age when the investor has the appetite for risk.</p>\n\n<p>The point to remember at all times is to earn a return good enough to go one up on inflation.</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/financial-tools-calculators/retirement-planning-calculator" target="_blank" title="Retirement Planner Calculator">Retirement Planner Calculator</a></li>\n\t<li><a href="/retirement-and-pension-plans/why-retirement-plan" target="_blank" title="Why do I need a Retirement Plan?">Why do I need a Retirement Plan?</a></li>\n\t<li><a href="/retirement-and-pension-plans" target="_blank" title="List of Retirement & Pension Plans">List of Retirement & Pension Plans</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-secure-family-future" target="_blank" title="Securing Family Future with Life Insurance">How to Secure Family Future</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank" title="Choosing the Best Life Insurance Policy">How to Choose the Best Life Insurance Policy</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/" target="_blank" title="Investment for Future Planning">Investment for Future Planning</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/income-protection/" target="_blank" title="How to Safeguard Money">Tips to Save Money</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/my-money-works-for-me/" target="_blank" title="How to make Money Work for you">How to make Money Work for you</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/portfolio-risk/" target="_blank" title="Managing Investment Portfolio">How to Manage Investment Portfolio</a></li>\n\t<li><a href="http://blog.hdfclife.com/early-financial-planning-532250" target="_blank" title="Early Financial Planning">Benefits of Early Financial Planning for Parents</a></li>\n\t<li><a href="http://blog.hdfclife.com/5-steps-to-successful-financial-planning-for-urban-women-532180" target="_blank" title="Financial Planning for Women">Successful Financial Planning for Women</a></li>\n\t<li><a href="/savings-investment-plans/super-savings-plan" target="_blank" title="Best Savings Plan">HDFC Life Super Savings Plan - Best Savings Plan in India for Long Term Investment</a></li>\n</ul>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/features-of-savings-insurance-plans" target="_blank">Features of Savings Insurance Plans that You Should Know</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/insurance-savings-investments-plans" target="_blank">Tools and guides - Insurance, Savings, Investments</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/traditional-savings-vs-planned-risks" target="_blank">Traditional Savings vs. Planned Risks - What to Choose?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/financial-planning-tips-beginners" target="_blank">Early Financial Planning Tips for Beginners - Guide to Save Money</a></li>\n</ul>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'title': 'How Inflation Erodes Savings over the Years?', 'tags': ['Retirement', 'Tax', 'Insurance Basics', 'Child', 'Investment', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Unit Linked Pension & Retirement Plans - Overview by HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Unit linked Pension Plans are market-linked products suitable for individuals looking for a long-term option to invest in. To know more about Unit-linked Pension Plans, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'what is ulip, about ulip plan, unit linked pension plan', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Retirement:Unit Linked Pension Plans\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Retirement\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Retirement:Unit Linked Pension Plans\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/retirement-planning/unit-linked-pension-plans', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'retirement-planning'], 'id': 41, 'slug': 'unit-linked-pension-plans', 'excerpt': 'Everyone wants to retire in a position where they are assured of financial security and peace of mind. This is very much possible if they have planned ahead for retirement by 20-30 years in their working life. One of the ways to plan for retirement is with a unit-linked pension plan.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'image': {'banner': 'zXCXFNMpEpXGfij'}, 'banner_image': {'id': 'zXCXFNMpEpXGfij', 'alt': {'en': 'What are Unit-linked Pension Plans'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg'}, 'view_count': 3141, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-RP2_7xhuH8L_thumb.jpg', 'category_url': '/insurance-knowledge-centre/retirement-planning/', 'tag_list': [{'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-07T08:15:00Z', 'url': '/insurance-knowledge-centre/retirement-planning/unit-linked-pension-plans', 'content': '<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_PYR_4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Everyone wants to retire in a position where they are assured of financial security and peace of mind. This is very much possible if they have planned ahead for retirement by 20-30 years in their working life. One of the ways to plan for retirement is with a unit-linked pension plan.</p>\n\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<div class="description">\n<p style="padding-right: 30px;">Unit-linked <a href="/retirement-and-pension-plans" target="_blank" title="Retirement Plans by HDFC Life">retirement plan</a> or Pension ULIPs are market-linked pension products offered by life insurance companies. They are suitable for individuals looking for a long-term retirement plan that doubles up as an investment.</p>\n</div>\n</div>\n</div>\n\n<div class="inner-plans-wrp generic ">\n<p>Pension plans typically did not offer a sum assured in the past. They were investment-oriented as opposed to insurance-oriented and hence did not provide a life cover.</p>\n\n<p>This changed with effect from September 1, 2010 when pension plans were mandated by the IRDA (Insurance Regulatory and Development Authority of India) to provide life / health cover and a minimum guarantee of 4.5%. <a href="https://www.hdfclife.com/ulip-plans" target="_blank">Unit linked insurance plans</a> have a minimum lock-in of five years and it’s no different with unit-linked pension plans.</p>\n\n<h2><strong>How unit-linked pension plans work? </strong></h2>\n\n<p>Pension <a href="https://www.hdfclife.com/ulip-plans" target="_blank">ULIPs</a> are different from traditional pension plans in terms of investments. While ULIPs invest in equity markets among other investments, traditional pension plans invest mainly in bond and government securities (gsecs or gilts) markets.</p>\n\n<p>Expectedly returns of traditional pension plans are stable and therefore more suitable for risk adverse investors. Unit-linked <a href="/retirement-and-pension-plans/click-2-retire" target="_blank" title="Online Unit Linked Pension Plan by HDFC Life">pension scheme</a> is ideal for risk-taking investors given the volatility of equities. Having said that, since equities outperform other asset classes like bonds over the long-term, the investor stands a better chance of accumulating a larger corpus over the long-term by investing in a pension ULIP.</p>\n\n<p>In terms of tax benefits however, there is no difference between the two plans. Premiums paid towards the plans are eligible for tax exemption under the broader Section 80C upto a maximum of Rs 1,50,000 annually.</p>\n\n<p style="text-align:center;"><a class="btn btn-primary btn-fulid" href="https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/personal-pension-plus?source=W_TEBT_BodyBO_KC_PRR" style="text-align: center; width: 50%; font-size: 20px; text-transform: none;" target="_blank">Calculate Premium >></a></p>\n</div>\n</div>\n</div>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/safe-investment-options-in-india-for-2015" target="_blank" title="5 Safe Investment Options In India">Safe Investment Options in India</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/safe-investment-options-in-india-for-2015" target="_blank" title="Online ULIP Plan in India">HDFC Life Click2Invest - ULIP Plan in India</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/national-pension-scheme" target="_blank" title="National Pension Scheme in India">What is National Pension Scheme (NPS)?</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Income Tax Slab For FY 2017-18">Income Tax 2017-18</a></li>\n</ul>\n\n<h3><strong>Popular Insurance Definitions:</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/insurance-definitions/what-is-cancer-insurance/" target="_blank" title="Definition Of Cancer Insurance">What is Cancer Insurance?</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/what-is-health-insurance" target="_blank" title="Meaning Of Health Insurance">What is Health Insurance?</a></li>\n\t<li><a href="/insurance-knowledge-centre/insurance-definitions/what-is-insurance-premium/" target="_blank" title="Meaning Of Insurance Premium">What Is Insurance Premium?</a></li>\n</ul>\n\n<p> </p>\n</article>\n</div>\n</div>', 'title': 'What are Unit-linked Pension Plans', 'tags': ['Retirement', 'Tax', 'Insurance Basics', 'Child', 'Investment', 'Health'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': '9nyI25rTFvvJfJJ', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'INVESTMENT - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Investment', 'alt': None, 'icon_url': None, 'label': 'INVESTMENT - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Understand the Power of Compounding: Why To Start Investing Early | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Compounding is a great way to build wealth by earning a return on return. HDFC Life helps you get a glimpse of the power of compounding in your investments. To more about, Visit Now !', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'power of compounding, life insurance, investment planning, power of compound, power of compounding calculator', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:Power of Compounding\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:Power of Compounding\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'In Unit Linked policies, the investment risk in the investment portfolio is borne by the policyholder.', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/investment-for-future-planning/power-of-compounding', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'investment-for-future-planning'], 'id': 46, 'slug': 'power-of-compounding', 'excerpt': 'Compounding is a great way to build wealth by earning a return on return. HDFC Life helps you get a glimpse of the power of compounding in your investments. Read more about the power of compounding before you plan your next investment to reap maximum benefits.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_tile.jpg', 'image': {'banner': 'oxmyuiqOpsWCwk8'}, 'banner_image': {'id': 'oxmyuiqOpsWCwk8', 'alt': {'en': 'Power of Compounding'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_thumb.jpg'}, 'view_count': 9332, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI5_hiq8Kmr_thumb.jpg', 'category_url': '/insurance-knowledge-centre/investment-for-future-planning/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2018-04-04T19:33:00Z', 'url': '/insurance-knowledge-centre/investment-for-future-planning/power-of-compounding', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage"><!--<div class="contentInner">\r\n \r\n <div class="contDesc">\r\n <p>\r\n A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.\r\n </p>\r\n </div>\r\n <div class="commentBox commentSection clearfix">\r\n <div class="date pull-left">\r\n <span>PUBLISHED</span> 12 JUL 2014\r\n </div>\r\n </div>\r\n <div class="imgBlock">\r\n <img src="../../iwov-resources/image/knowledge/21.jpg" alt="">\r\n </div>\r\n </div>-->\n<div class="scrollBlock">\n<article class="innerBlk" id="section52">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">If the investor is looking for an ally to help him amass serious wealth over time, he need look no further than compounding or rather the power of compounding.</p>\n\n<p class="float-left">Compounding is a great way to build wealth so long as you have time. Simply put compounding is earning a return on return. So the more time you have at your disposal the more likely you are to end up richer. Successful investment planning is all about making the most of compounding by getting time on your side.</p>\n\n<p class="float-left">This is what Seeta learnt the hard way.</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>Seeta, the happy go-lucky one, is in her first job. She earns a monthly take home of Rs 30,000. She doesn’t save much, splurging most of her salary on outings, movies and shopping.</p>\n\n<p>Her colleague Geeta is the more conservative one, aiming at saving as much as possible. Also earning a salary of Rs 30,000, Geeta manages to set aside 10% of her salary (Rs 3,000) every month towards an investment plan. She continues at it for a period of 30 years.</p>\n\n<p>Geeta’s zeal for saving money is quite infectious and wins over Seeta. After frittering away her salary over aimless consumption, Seeta finally sees the light. Following Geeta’s footsteps, she also saves Rs 3,000 every month towards an investment plan. She begins saving 10 years later than Geeta, which means she gets 20 years</p>\n\n<p><strong>Seeta and Geeta – Round I</strong></p>\n\n<table border="1" style="border-color: #000; background-color: #fff;" width="510">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p> </p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p><strong>Geeta</strong></p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p><strong>Seeta</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Monthly SIP (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p>3,000</p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p> 3,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Assumed rate of return (CAGR)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Investment period (months)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p>360</p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p>40</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Value of investment at end of tenure (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p><strong>10,484,892 </strong></p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p><strong>2,967,766 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p><strong>The mistake of starting later has cost Seeta (Rs)</strong></p>\n\t\t\t</td>\n\t\t\t<td width="94">\n\t\t\t<p><strong> </strong></p>\n\t\t\t</td>\n\t\t\t<td width="102">\n\t\t\t<p><strong>7,517,126 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p>Clearly, Seeta lags her colleague a great deal at the end of the investment time frame. To be precise she is behind Geeta by over Rs 75 lakhs!</p>\n\n<p><strong>What if Seeta had to play catch up with more money? </strong></p>\n\n<p>Seeta believes that if she doubles or triples her monthly investments, she can catch up easily with Geeta.</p>\n\n<p>Let’s see if Seeta can catch up by tripling her monthly investment to Rs 9,000 a month.</p>\n\n<p><strong>Seeta and Geeta – Round II</strong></p>\n\n<table border="1" style="border-color: #000; background-color: #fff;" width="471">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p> </p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p><strong>Geeta</strong></p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p><strong>Seeta</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Monthly SIP (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p>3,000</p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p>9,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Assumed rate of return (CAGR)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p>12%</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Investment period (months)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p>360</p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p>240</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p>Value of investment at end of tenure (Rs)</p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p><strong>10,484,892 </strong></p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p><strong>8,903,298 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td width="315">\n\t\t\t<p><strong>The mistake of starting later has cost Seeta (Rs)</strong></p>\n\t\t\t</td>\n\t\t\t<td width="81">\n\t\t\t<p><strong> </strong></p>\n\t\t\t</td>\n\t\t\t<td width="75">\n\t\t\t<p><strong>1,581,594 </strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p><strong> </strong></p>\n\n<p>The bad news for Seeta is that even after tripling her monthly investments to Rs 9,000 from Rs 3,000 earlier, she fails to catch up with Geeta. She is short by more than Rs 15 lakhs in Round II.</p>\n\n<p><strong>Time is a friend and a foe</strong></p>\n\n<p>The biggest takeaway from the Seeta vs Geeta episode is the importance of time. A delay of a few years can set you back considerably. Power of compounding works best when you give it time. Time makes it even more powerful so to speak.</p>\n\n<p>In our illustration even if Seeta was five years later than Geeta she would have been short by over Rs 48 lakhs at the end of the investment period.</p>\n\n<p>Had she been only three years late, she would have been short by over Rs 32 lakhs.</p>\n\n<p>Had she been only two years late, she would have been short by over Rs 22 lakhs.</p>\n\n<p>Had she been only a year late, she would have been short by over Rs 12 lakhs.</p>\n\n<p>It must be clear by now the importance of time in reaping the benefits of <a href="/savings-investment-plans/financial-planning" target="_blank" title="Investment Planning Guide by HDFC Life">investment planning</a>.</p>\n\n<p>Some investments that help you make the most of the power of compounding include life insurance, mutual funds or even the humble fixed deposit. You need an <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/investment-plans-comparison" target="_blank" title="Savings & Investment Plan by HDFC Life">investment plan</a> that includes all these in varying proportions based on your risk profile and objectives.</p>\n\n<p> </p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/income-protection/" target="_blank" title="Money Saving Options">Learn How To Save Money</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/my-money-works-for-me/" target="_blank" title="Tips For Building Wealth By HDFC Life">How To Make Money Work For You?</a></li>\n\t<li><a href="/nri-insurance-plans" target="_blank" title="NRI Insurance">NRI Life Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/money-back-plans-comparison" target="_blank">Money Back Plans Comparison</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Tax Slab For FY 2017-18">Income Tax Rate 2017-18</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'Power Of Compounding And Early Investing', 'tags': ['Investment', 'Child', 'Insurance Basics', 'Tax', 'Retirement', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Tips on How to Safeguard Your Income - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': ' Safeguarding one’s earnings needs to be high on one’s priority list. HDFC Life provides insights into various options that you can consider to protect your income in future uncertainties. Visit Now', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'how to safeguard your earnings, how to save your money', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:Income Protection\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:Income Protection\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'In Unit Linked policies, the investment risk in the investment portfolio is borne by the policyholder.', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/investment-for-future-planning/income-protection/', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'investment-for-future-planning'], 'id': 56, 'slug': 'income-protection', 'excerpt': 'Most individuals underestimate the importance of regular and steady income until they run headlong into a crisis, such as an accident, an illness, a job loss or just plain retirement. It’s only then that the importance of preserving one’s earnings gets the attention it deserves.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_tile.jpg', 'image': {'banner': 'qNt6rPpIjMlT9tI'}, 'banner_image': {'id': 'qNt6rPpIjMlT9tI', 'alt': {'en': 'Long Term Investment Options'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_thumb.jpg'}, 'view_count': 1440, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI1_uoPXySj_thumb.jpg', 'category_url': '/insurance-knowledge-centre/investment-for-future-planning/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-08T06:14:00Z', 'url': '/insurance-knowledge-centre/investment-for-future-planning/income-protection', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage"><!--<div class="contentInner">\r\n \r\n <div class="contDesc">\r\n <p>\r\n A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.\r\n </p>\r\n </div>\r\n <div class="commentBox commentSection clearfix">\r\n <div class="date pull-left">\r\n <span>PUBLISHED</span> 12 JUL 2014\r\n </div>\r\n </div>\r\n <div class="imgBlock">\r\n <img src="../../iwov-resources/image/knowledge/21.jpg" alt="">\r\n </div>\r\n </div>-->\n<div class="scrollBlock">\n<article class="innerBlk" id="section51">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Most individuals underestimate the importance of regular and steady income until they run headlong into a crisis, such as an accident, an illness, a job loss or just plain retirement. It’s only then that the importance of preserving one’s earnings gets the attention it deserves.\u200b</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<div class="description">\n<p style="padding-right: 30px;"><script type="text/javascript">(function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_US/all.js#xfbml=1"; fjs.parentNode.insertBefore(js, fjs); }\r\n(document, \'script\', \'facebook-jssdk\'));</script></p>\n</div>\n</div>\n\n<div class="rating-wrp" style="display:none">\n<div class="IconRating">\n<div class="IconRatingSummaryText">\n<p>Rated </p>\n\n<p class="IconRatingAverageRatingValueText">3.46</p>\n\n<p>/5 (</p>\n\n<p class="IconRatingCountValueText">102</p>\n\n<p> Votes)</p>\n</div>\n\n<div class="IconRatingInnerContainer">\n<p class="IconRatingSelector"> </p>\n</div>\n</div>\n\n<p><script language="JavaScript">\r\nvar rc = new IconRatingSelector(\'C_1374164394452\', \'/iwov-resources/image/index/star-on.png\', \'/iwov-resources/image/index/star-off.png\', \'/iwov-resources/image/index/star-on.png\', \'/iwov-resources/image/index/star-off.png\', \'/hdfclifeprod/insurancemanager/safeguard_earnings/1374164394452.ajax?=\');\r\n\r\nrc.setEnabled(true);\r\n </script></p>\n</div>\n</div>\n\n<div class="inner-plans-wrp generic ">\n<p>To be sure, safeguarding one’s earnings needs to be high on one’s priority list. All it takes is one disaster to wipe away a considerable portion of one’s hard earned money. This is why one needs to prepare for untimely events to safeguard the finances of the family.</p>\n\n<ul>\n\t<li>\n\t<h3><strong>Take insurance to cover contingencies</strong></h3>\n\t</li>\n</ul>\n\n<p>To insulate your earnings from unforeseen events and contingencies, consider a<a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-life-insurance/" target="_blank"> life insurance plan</a> that includes protection against accidents, illness and death. There are several protection plans and savings and investment plans, both in the traditional and market-linked segments, which achieve this effectively.</p>\n\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n\t<li>\n\t<h3><strong>Rein in inflation </strong></h3>\n\n\t<p>Disasters apart, inflation is the single most underrated destroyer of financial value – a silent killer of sorts. Investors must take deliberate action to counter the eroding effects of inflation by opting for a <a href="/savings-investment-plans" target="_blank" title="savings and investment plans">savings and investment plan</a> that has a fair share of assets like equities that counter inflation effectively.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Plan for retirement </strong></h3>\n\n\t<p>Planning for retirement by way of pension plans, among other avenues, provides income protection in the later years. Younger individuals who opt for pension get in the habit of setting aside income in their earning years and thereby preserve their income from erosion and wasteful expenditure.</p>\n\t</li>\n</ul>\n\n<p> </p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/my-money-works-for-me" target="_blank" title="How to make your money work for you?">How to make your money work for you?</a></li>\n\t<li><a href="https://onlineinsurance.hdfclife.com/?source=W_TC_HP_LHS_EFU" target="_blank" title="Buy Online Investment Plans">Buy Online Investment Plans</a></li>\n\t<li><a href="http://blog.hdfclife.com/financial-adequacy-plan-vs-management-532110" target="_blank" title="Financial Adequacy: Plan Vs. Management">Financial Adequacy: Plan Vs. Management</a></li>\n\t<li><a href="http://blog.hdfclife.com/wealth-creation-with-insurance-part-1-532340" target="_blank" title="6 Principles Responsible for Wealth Creation">6 Principles Responsible for Wealth Creation</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-secure-family-future" target="_blank" title="Securing Family Future with Life Insurance">How to Secure Family Future</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank" title="Choosing the Best Life Insurance Policy">How to Choose the Best Life Insurance Policy</a></li>\n\t<li><a href="/insurance-knowledge-centre/retirement-planning/inflation-impact-on-savings/" target="_blank" title="Impact of Inflation on Savings">Impact of Inflation on Savings</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/" target="_blank" title="Investment for Future Planning">Investment for Future Planning</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/portfolio-risk/" target="_blank" title="Managing Investment Portfolio">How to Manage Investment Portfolio</a></li>\n\t<li><a href="http://blog.hdfclife.com/early-financial-planning-532250" target="_blank" title="Early Financial Planning">Benefits of Early Financial Planning for Parents</a></li>\n\t<li><a href="http://blog.hdfclife.com/5-steps-to-successful-financial-planning-for-urban-women-532180" target="_blank" title="Financial Planning for Women">Successful Financial Planning for Women</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slab">Income Tax Slab</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank" title="Income Tax Rule 2017">Income Tax Rates For AY 2018-19</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'How to save your money?', 'tags': ['Investment', 'Child', 'Insurance Basics', 'Tax', 'Retirement', 'Health'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Step by Step Guide On How to Choose Right Investment Plan | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Once you have identified the need to take life insurance you should know about getting some basic steps to select the right insurance policy.\u200b To know step by step guide on investment plan, visit now', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'investment plan, investment option, step to choose investment plan', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:Right Insurance Plan\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:Right Insurance Plan\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'In Unit Linked policies, the investment risk in the investment portfolio is borne by the policyholder.', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/investment-for-future-planning/right-insurance-plan', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'investment-for-future-planning'], 'id': 58, 'slug': 'right-insurance-plan', 'excerpt': 'Once you have identified the need to take life insurance you should know about getting some basic steps right to select the right insurance policy.Select the right insurance plan in 3 easy steps:- 1)Engage an insurance advisor , 2) Calculate the life cover, 3) Compare insurance plans', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_tile.jpg', 'image': {'banner': 'k3VX8j3I1KMnM54'}, 'banner_image': {'id': 'k3VX8j3I1KMnM54', 'alt': {'en': 'Investment Plans'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_thumb.jpg'}, 'view_count': 1441, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI4_mfCALGe_thumb.jpg', 'category_url': '/insurance-knowledge-centre/investment-for-future-planning/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'publish_at': '2016-11-09T04:47:00Z', 'url': '/insurance-knowledge-centre/investment-for-future-planning/right-insurance-plan', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage"><!--<div class="contentInner">\r\n \r\n <div class="contDesc">\r\n <p>\r\n A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.\r\n </p>\r\n </div>\r\n <div class="commentBox commentSection clearfix">\r\n <div class="date pull-left">\r\n <span>PUBLISHED</span> 12 JUL 2014\r\n </div>\r\n </div>\r\n <div class="imgBlock">\r\n <img src="../../iwov-resources/image/knowledge/21.jpg" alt="">\r\n </div>\r\n </div>-->\n<div class="scrollBlock">\n<article class="innerBlk" id="section52">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Once you have identified the need to take life insurance you should know about getting some basic steps right to select the right insurance policy.\u200b</p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<h3><strong>Select the right insurance plan in 3 easy steps</strong></h3>\n\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n\t<li><strong>Engage an insurance advisor</strong>\n\n\t<p>While this may seem trivial, engaging a reliable and competent insurance advisor at the initial stage in your quest for <a href="/" target="_blank">life insurance</a> is critical. Most individuals are not capacitated to take a decision by themselves and need the expertise of an insurance advisor.</p>\n\t</li>\n\t<li><strong>Calculate the life cover</strong>\n\t<p>The insurance advisor will help you calculate the amount of life cover – or the sum assured. He will assess sources of your income, number of your dependents, your debts and liabilities and your expenses based on your lifestyle and arrive at a life cover. He will also decide the best plan, be it a <a href="/term-insurance-plans/need-for-protection-plan" target="_blank">term plan</a>, endowment plan, unit-link plan or a combination of plans, to help provide you with an optimum life cover.</p>\n\n\t<p>Likewise, if you have other needs like planning for your child’s education or marriage, pension for your retirement, a woman’s insurance plan for women, trust your advisor to do the math and come up with an ideal solution.</p>\n\t</li>\n\t<li><strong>Compare insurance plans</strong>\n\t<p>Since there are many insurance companies in the market offering a variety of plans, you need to be sure you select the most suitable one. The insurance advisor will do the <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/health-insurance-comparison" target="_blank">comparing plans</a> from various insurers across relevant parameters recommending the most apt plan based on your needs.</p>\n\t</li>\n</ul>\n\n<p> </p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/savings-investment-plans/financial-planning" target="_blank" title="Why do I need Savings & Investment Plans?">Why do I need Savings & Investment Plans?</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/income-protection" target="_blank" title="How to safeguard your earnings?">How to safeguard your earnings?</a></li>\n\t<li><a href="https://onlineinsurance.hdfclife.com/" target="_blank" title="Buy Online Investment Plans">Buy Online Investment Plans</a></li>\n\t<li><a href="http://blog.hdfclife.com/financial-awareness-a-pre-requisite-for-financial-planning-532120" target="_blank" title="Financial Awareness: A Pre-requisite for Financial Planning">Financial Awareness: A Pre-requisite for Financial Planning</a></li>\n</ul>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'title': 'How do I choose the right investment plan ?', 'tags': ['Investment', 'Child', 'Insurance Basics', 'Tax', 'Retirement', 'Health'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'FNNnDuFoTO94BTx', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'INSURANCE BASICS - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Insurance Basics', 'alt': None, 'icon_url': None, 'label': 'INSURANCE BASICS - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'A Game Plan: Protect Your Loved Ones | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Being in a family is like being in a team, and everybody has to work together for a secure financial future. To know more about protection plan, Click here!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'secure financial future, financial goals, life insurance plans', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/Protect-Your-Loved-Ones', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 246, 'slug': 'Protect-Your-Loved-Ones', 'excerpt': 'The Indian Premier League (IPL) revolutionised cricket in India 10 years ago. It allowed us to watch all our favourite cricketers together on the same team, and we watched in awe and men from different countries worked together to get their team to the victory podium.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_tile.jpg', 'image': {'banner': 'jqGpkFkPmJC5hjY'}, 'banner_image': {'id': 'jqGpkFkPmJC5hjY', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_thumb.jpg'}, 'view_count': 4179912, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/A-Game-Plan_865-x-360_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2017-05-24T10:28:03Z', 'url': '/insurance-knowledge-centre/about-life-insurance/Protect-Your-Loved-Ones', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>The Indian Premier League (IPL) revolutionised cricket in India 10 years ago. It allowed us to watch all our favourite cricketers together on the same team, and we watched in awe and men from different countries worked together to get their team to the victory podium. But, IPL's biggest gift has been Chris Gayle. Over the last few years, Gayle has become one of India's favourite batsmen, despite the fact that he hails from Jamaica and plays for the West Indies.</p>\n\n<p>Gayle has been the Royal Challengers biggest ticket to fame and success over the last 10 years of the IPL, but can he alone take the team to victory? Unfortunately, he can't. Cricket is a team sport, and there have been times when Gayle has not been able to consistently perform and the other team members have had to perform their magic. No doubt, Gayle's personal career may have taken a backseat, but as a team player, it's always important to put the team first. In any team sport, be it cricket, football, basketball or hockey, everybody has to work together for success. If a single player intends on playing a one-man game, more often than not, it will lead to failure.</p>\n\n<p>Why is this important? Well, life can sometimes be like a game of cricket. There may be times when you think you can hit a boundary, but it may be safer, and better in the long run to swing your bat and hope for just one or two runs. There are times when you may want to do everything for those you love, but it won't always be possible. Being in a family is like being in a team, and everybody has to work together for a <a href="https://onlineinsurance.hdfclife.com/ocp?revampflag=Y&prodcd=C2P3DPER&source=M_knowledgecentre_C2P3D_AGamePlan_May2017&agentcode=00399206&journey=SH" target="_blank">secure financial future</a>.</p>\n\n<p>When you're young, and you just start working, you should talk to your parents about your financial responsibilities at home. Contribute some amount to household expenses, and think about getting yourself insured with various insurance plans. In the case of a medical emergency, you won't have to rely on your parents or their finances to pay off hospital bills. You and your parents work together as a team, so it's important to consider their finances and needs as well before making any important decisions.</p>\n\n<p>If you're thinking about settling down and getting married, it's imperative that you have a discussion about finances with your future spouse. When you get married, you need to decide who will take care of what expenses, and if you both intend on continuing work once you plan to start a family. You and your spouse will have to pool your finances together to meet all your<a href="https://onlineinsurance.hdfclife.com/ocp?revampflag=Y&prodcd=C2P3DPER&source=M_knowledgecentre_C2P3D_AGamePlan_May2017&agentcode=00399206&journey=SH" target="_blank"> financial goals</a><!-- https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan?source=M_knowledgecentre_C2I_AGamePlan_May2017\n\n\n -->. At times like this, you can think about getting a <a href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-life" target="_blank">life insurance plan</a> for yourself and your spouse, to secure your family's financial future. Once you decide to have children, you can even consider building up a corpus for your child to use when he or she grows up.</p>\n\n<p>When taking on life, it's important to remember that apart from your family, your best team mate is probably a good <a href="/insurance-plans?source=M_knowledgecentre_C2P3D_AGamePlan_May2017&utm_medium=content" target="_blank" title="Life Insurance">insurance policies</a> insurance policies for life, health and investment. Insurance will look after you when you're unfit and unable to step up to bat, and will also look after the rest of the team if you decide to retire from the game.</p>\n\n<p><strong>Similar Articles:</strong></p>\n\n<ul>\n\t<li><a href="/term-insurance-plans/click-2-protect-life" target="_blank" title="Online Term Insurance">online term plan</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/best-long-term-investment-options-in-2015" target="_blank" title="Long Term Investments">Long Term Investment Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Indian Tax System">Tax Structure In India</a></li>\n</ul>', 'title': 'A Game Plan: Protect Your Loved Ones', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Securing the Future for Your Loved Ones | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': "Secure your and your family's future with online term insurance by HDFC Life with 3D protection option", 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'secure your future, term plan for family, term insurance for families', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/Securing-the-Future-for-Your-Loved-Ones', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 247, 'slug': 'Securing-the-Future-for-Your-Loved-Ones', 'excerpt': 'The Indian Premier League (IPL) revolutionised cricket in India 10 years ago. It allowed us to watch all our favourite cricketers together on the same team, and we watched in awe and men from different countries worked together to get their team to the victory podium.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_tile.jpg', 'image': {'banner': 'G33vUIRXifzSWd7'}, 'banner_image': {'id': 'G33vUIRXifzSWd7', 'alt': {'en': 'Securing the Future for Your Loved Ones'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_thumb.jpg'}, 'view_count': 4179047, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Securing-the-future_865-x-360_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2017-05-24T10:28:02Z', 'url': '/insurance-knowledge-centre/about-life-insurance/Securing-the-Future-for-Your-Loved-Ones', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>Hello there, my name is Amit. I have been living the retired life with my wife Anita for around 5 years now. Our beautiful daughter Zara always took care of us, but today, we are completely lost. You see, Zara was taken away from us when she was just 40 years old. To us, she was always our little baby girl. Ever since I retired, I got a pension, it wasn't anything great, but it was enough for us to manage our daily necessities. But Zara, who had never seen a hard day in her life didn't like this. She would give us some money every month, and insist we go out on holidays and enjoy our time together. She lived just down the road from us, and we saw her every day. She was a successful chef in a well-known restaurant, but then everything changed a couple of years ago.</p>\n\n<p>Zara had been feeling slightly ill for a while, so after much pestering from her mother, she finally decided to go and visit the doctor. It was bad news. There was a tumour, and she would need a surgery to get it removed. Apart from the surgery, there was also some chemotherapy that she had to undergo. The <a href="/term-insurance-plans/click-2-protect-plus-3d?source=M_knowledgecentre_C2P3D_lovedones_May2017&utm_medium=content" target="_blank">treatments</a> were expensive, but Zara had more than enough savings to pay for it all. After almost a year, she was finally declared cancer free; and slowly but surely, she went back to work and resumed her life. A few months later, the cancer came back. Zara fought hard, but eventually, she succumbed to it all. Anita and I were forced to say goodbye to her last month, and we're still struggling to cope with the loss.</p>\n\n<p>We miss her. We miss the way her eyes would twinkle every time she laughed, and more than anything, we miss hearing her call us mom and dad. Before Zara left us, she made us promise her one thing – that we'd always continue to enjoy life and take holidays whenever we could. You see Zara, was a smart girl, and she had purchased a <a href="http://www.hdfclife.com/term-insurance-plans/" target="_blank">term plan</a> a long time ago. She would pay the premiums every year, and after she passed away, Anita and I received the money from the plan. She had set it up so that we received some of the money every year. Anita and I don't intend to break our promise. We're going to use the money Zara left us to visit all the places she wanted us to go to.</p>\n\n<p>We're lucky to have had a daughter like Zara, one who always thought about the future. Not just her own future, but our future too. You may be Zara's age, or you may be older than her, or perhaps a few years younger. As a father, I ask you to do one thing – always take care of your family first. Zara did, and even though the money doesn't make up for all the things we miss about her, it does leave us with a sense of pride, and <a href="/term-insurance-plans/click-2-protect-plus-3d?source=M_knowledgecentre_C2P3D_AGamePlan_May2017&utm_medium=content" target="_blank">peace of mind</a>, knowing that we won't have to worry about money in the future. Life is unpredictable. Anita and I have had to face this fact last month. It's difficult to have to say goodbye to a child, but we're proud of Zara. We're thankful that she took measures to ensure we'd always be financially secure, and we're going to use the money she left us wisely.</p>\n\n<p><strong>Similar Articles:</strong></p>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-for-salaried-employees/" target="_blank" title="Tax Saving Tips">Tax Planning For Salaried Employees</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/best-long-term-investment-options-in-2015" target="_blank" title="Long Term Investments">Long Term Investment Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Indian Tax System">Tax Structure In India</a></li>\n</ul>', 'title': 'Securing the Future for Your Loved Ones', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Myths and Facts about Life Insurance Policies', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Learn about the myths & facts surrounding life insurance so that you take an informed decision before buying a life insurance policy. To know more about life insurance myths, Click here!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'insurance myths, what are the different insurance myths, insurance myths debunked', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Insurance Myths\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Insurance Myths\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/insurance-myths', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 67, 'slug': 'insurance-myths', 'excerpt': 'There are a lot of misconceptions associated with Insurance. Insurance is mostly viewed as a tax saving tool and hence enough cover is not taken to cover you and your family under necessary circumstances. Always take an informed decision before considering Insurance needs for your family.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'image': {'banner': 'NHs1ROzIjpqDIYK'}, 'banner_image': {'id': 'NHs1ROzIjpqDIYK', 'alt': {'en': 'Term Insurance Meaning'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg'}, 'view_count': 1876, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-04T10:20:00Z', 'url': '/insurance-knowledge-centre/about-life-insurance/insurance-myths', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet"/>\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section10">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">There are a lot of misconceptions associated with Insurance. Insurance is mostly viewed as a tax saving tool and hence enough cover is not taken to cover you and your family under necessary circumstances. Always take an informed decision before considering Insurance needs for your family.</p>\n<!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></div>\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<div class="description">\n<h3><strong>What are the different insurance myths?</strong></h3>\n<p style="padding-right:30px;"><script type="text/javascript">(function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_US/all.js#xfbml=1"; fjs.parentNode.insertBefore(js, fjs); }\r\n(document, \'script\', \'facebook-jssdk\'));</script></p>\n</div>\n</div>\n</div>\n<div class="inner-plans-wrp generic ">\n<p>Following are the most common life insurance myths:</p>\n<ol class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n<li>\n<p><strong>Insurance is for saving tax</strong></p>\n<p>Saving tax is just an added advantage of insurance policy. The main objective of insurance is to provide protection to you and your family and to build an assured corpus for your future needs.</p>\n</li>\n<li>\n<p><strong>Insurance will benefit only after my death</strong></p>\n<p>Insurance policies provide protection to you and your family. One of the main objectives of taking insurance is to provide financial cushion to your family in case you are not around but it\'s not the only objective. Insurance helps you to build a corpus for yourself; provides you with comfortable retired life and even takes care of your lengthy medical bills.</p>\n</li>\n<li>\n<p><strong>My group insurance is adequate</strong></p>\n<p>Your\xa0<a href="/group-insurance-plans" target="_blank">group insurance</a>\xa0might be adequate but what if you change the job? Once you change the job your group insurance will cancel off and you will not get any insurance benefit. So it is always advisable to take insurance other than the insurance offered by your employer.</p>\n</li>\n<li>\n<p><strong>Only the Breadwinner of the family needs insurance</strong></p>\n<p>Every family member needs insurance. Your work profile changes the insurance needs but certainly does not eliminate them.</p>\n</li>\n<li>\n<p><strong>I\'m single and don\'t have any dependents, therefore I don\'t need any coverage</strong></p>\n<p>You might not need a <a href="/" target="_blank" title="Life Insurance Company in India">life insurance</a> policy where your nominee is taken care of but you certainly need a policy to take care of your health and retirement worries..</p>\n</li>\n<li>\n<p><strong>Life insurance is far more important than health coverage</strong></p>\n<p>As the health costs are increasing by the day, taking a\xa0<a href="/health-insurance-plans" target="_blank">health insurance</a>\xa0plan has become as important as a life coverage plan. Health plans, disability plans and critical illness plans provide you with financial cushion and compensate for the financial loss you suffer in case you are not able to work because of illness.</p>\n</li>\n</ol>\n<h3><strong>Similar Articles</strong></h3>\n<ul>\n<li><a href="/insurance-knowledge-centre/how-to-choose-right-plan" target="_blank" title="How do I choose and decide on the right plan?">How do I choose and decide on the right plan?</a></li>\n<li><a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-plus?source=W_KC_BodyLinks_T2P" target="_blank" title="Term Plan Calculator">Term Plan Calculator</a></li>\n<li><a href="http://blog.hdfclife.com/understanding-different-categories-of-life-insurance-policy-532280" target="_blank" title="Understanding the 3 Key Broad Categories of Insurance Products">Understanding the 3 Key Broad Categories of Insurance Products</a></li>\n<li><a href="/insurance-plans" target="_blank" title="Life Insurance Plans by HFC Life">Insurance Plans and Policies</a></li>\n<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-for-salaried-employees/" target="_blank" title="Tax Planning For Salaried Employees">Tax Planning For Salaried Employees</a></li>\n</ul>\n</div>\n</div>\n</div>\n<p class="Separator">\xa0</p>\n</article>\n</div>\n</div>', 'title': 'Life Insurance Myths', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Insurance Needs of the Young & Single - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'You are a single energetic twenty-something and have just kick-started your career. Secure your future from HDFC Life insurance policy.', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'life insurance for unmarried, life insurance for young', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Young Single\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Young Single\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/young-single', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 79, 'slug': 'young-single', 'excerpt': 'You are single, energetic, in your twenties and have just kick-started your career. With the newly acquired financial independence, most of you feel more inclined to shop, travel and enjoy life. However, it is important to note that this is also the best time to take higher risks as there are least financial responsibilities.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_tile.jpg', 'image': {'banner': 'n7VcTlg3TKhjcOV'}, 'banner_image': {'id': 'n7VcTlg3TKhjcOV', 'alt': {'en': 'ITR Meaning'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_thumb.jpg'}, 'view_count': 1489, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-IB4_inW1Vac_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-07T05:37:00Z', 'url': '/insurance-knowledge-centre/about-life-insurance/young-single', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet"/>\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">You are single, energetic, in your twenties and have just kick-started your career. With the newly acquired financial independence, most of you feel more inclined to shop, travel and enjoy life. However, it is important to note that this is also the best time to take higher risks as there are least financial responsibilities.</p>\n<!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></div>\n<div class="float-left" id="mymain">\n<div class="top-desc-wrp">\n<div class="clearfix">\n<h3 class="img-wrp" style="text-align: left;"><strong>Your Insurance Needs</strong></h3>\n</div>\n</div>\n<div class="inner-plans-wrp generic ">\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n<li>\n<p><strong>Saving for future expenses </strong></p>\n<p>Whether for making a down-payment for your home or for your marriage, you need a <a href="/savings-investment-plans/super-savings-plan" target="_blank" title="Super Savings Plan by HDFC Life">savings plan</a> to build a corpus for your future needs.</p>\n</li>\n<li>\n<p><strong>Tax Planning </strong></p>\n<p>Now that you are earning, you wouldn\'t want your hard earned money to just flow out of your hands. Tax planning is an important aspect of financial planning and you should draw the maximum <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance" target="_blank">tax benefits</a> that investment products offer.</p>\n</li>\n<li>\n<p><strong>Securing your parent\'s health </strong></p>\n<p>Given their age, your parents would be vulnerable to ill health and therefore you need to plan for their medical needs as well.</p>\n</li>\n</ul>\n<p><strong>Similar Articles</strong></p>\n<ul>\n<li><a href="/insurance-knowledge-centre/about-life-insurance/just-married" target="_blank" title="Insurance Plans for Newly Married couples">Insurance Plans for Newly Married couples</a></li>\n<li><a href="/insurance-knowledge-centre/about-life-insurance/married-with-children" target="_blank" title="Insurance Plans for Married with Children">Insurance Plans for Married with Children</a></li>\n<li><a href="https://onlineinsurance.hdfclife.com/?source=W_TC_HP_LHS_EFU" target="_blank" title="HDFC Life Sanchay - Savings Plan Calculator">HDFC Life Sanchay - Savings Plan Calculator</a></li>\n<li><a href="/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slab">Income Tax Slab</a></li>\n<li><a href="/insurance-knowledge-centre/investment-for-future-planning/safe-investment-options-in-india-for-2015" target="_blank" title="Safe Investment Options in India">5 Safe Investments in India</a>\xa0<a href="http://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/types-of-online-frauds/" target="_blank" title="Online Frauds in India">Types of Online Frauds</a></li>\n</ul>\n</div>\n</div>\n</div>\n<p class="Separator">\xa0</p>\n<p class="Separator">\xa0</p>\n</article>\n</div>\n</div>', 'title': 'Insurance Needs of Young & Single', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'ehbuSSOWtC0bh1e', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'HEALTH - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Health', 'alt': None, 'icon_url': None, 'label': 'HEALTH - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Critical Illness Insurance - All You Need to Know About Critical Illness Insurance, Cover | HDFC Life', 'slug': 'title', 'label': 'Title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'critical illness insurance india, what is critical illness insurance, what is critical illness cover', 'slug': 'keywords', 'label': 'Keywords'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Critical Illness Policy - Get to know everything about Critical Illness Insurance cover & riders from Critical Illness definition to its benefits. Click here to read more!', 'slug': 'description', 'label': 'Description'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Understanding Critical Illness Insurance\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Understanding Critical Illness Insurance\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/secure-your-health/understanding-critical-illness-insurance', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 91, 'slug': 'understanding-critical-illness-insurance', 'excerpt': 'Critical illness insurance provides a lump-sum payment in-case the policyholder is diagnosed of a health related condition of a serious nature.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'image': {'banner': 'Peen4YqMVgujRUx'}, 'banner_image': {'id': 'Peen4YqMVgujRUx', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg'}, 'view_count': 2763, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-08T06:35:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/understanding-critical-illness-insurance', 'content': '<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_SYH_4">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Critical illness insurance provides a lump-sum payment in-case the policyholder is diagnosed of a health related condition of a serious nature. Some of these common critical illnesses include:</p>\n\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\n</div>\n\n<ol class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check" style=" list-style-type: disc; ">\n\t<li>Heart attack</li>\n\t<li>Cancer</li>\n\t<li>Paralysis</li>\n\t<li>Coronary artery bypass surgery</li>\n\t<li>Major organ transplant (e.g. heart, lung, liver, pancreas)</li>\n\t<li>Stroke</li>\n\t<li>Kidney Failure<script>\n!function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0], p = /^http:/.test(d.location) ? \'http\' : \'https\'; if (!d.getElementById(id)) { js = d.createElement(s); js.id = id; js.src = p + \'://platform.twitter.com/widgets.js\'; fjs.parentNode.insertBefore(js, fjs); } }(document,\n\'script\', \'twitter-wjs\');\n </script></li>\n</ol>\n</div>\n</article>\n</div>\n\n<div class="inner-plans-wrp generic ">\n<h3>What is Critical Illness Insurance?</h3>\n\n<p><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Policy">Critical illness insurance</a>, is a product in which the insurance service provider makes a lump sum payout to the policyholder on diagnosis of a specific illness on a predefined list as part of the policy</p>\n\n<h3>Understanding Critical Illness Insurance Cover & Riders</h3>\n\n<p>They are commonly referred to as riders and are contingent on the occurrence of an event like a critical illness.</p>\n\n<h3>What is critical illness?</h3>\n\n<p>Critical illness is a health related condition of a serious nature. It can have a debilitating effect on the individual’s lifestyle and can incur considerable treatment cost, apart from loss of income from inability to work.</p>\n\n<h3>Who can benefit from the critical illness policy/rider?</h3>\n\n<p>The critical illness policy/ rider can be particularly beneficial for individuals who wish to take no chances with certain health conditions, especially if they have a medical history. Also primary breadwinners of families who can ill-afford a hit on their finances from a critical illness <a href="https://www.hdfclife.com/life-insurance-riders/critical-illness-plus-rider" target="_blank">critical illness insurance policy</a> The health plan can provide financial security at a time, when the individual would be hard pressed for funds to treat the illness and support his family at the same time.</p>\n\n<h3>How to safeguard against critical illness?</h3>\n\n<p>A definite way of circumventing the financial loss and inconvenience of a critical illness is by <a href="https://www.hdfclife.com/insurance-knowledge-centre/secure-your-health/health-care-plans" target="_blank">buying a health plan</a> from a life insurance company or taking a critical illness rider on a life insurance policy. If the individual is diagnosed with one of the critical illnesses specified in the critical illness rider, he will receive a lump sum payment within a specified number of days. The amount equals the sum assured for the critical illness insurance rider and is different from the basic sum assured/life cover disbursed on death or maturity. The critical illness insurance amount is disbursed whether or not the insured undergoes any treatment. Some insurers as defined by the policy terms and conditions, disburse the amount towards the critical illness rider over and above the sum assured. Other companies deduct the disbursal proceeds from the sum assured, which stands revised post-disbursal.\u200b</p>\n\n<h3><strong>More articles on Health Insurance:</strong></h3>\n\n<ul>\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan?source=W-TEBT_KC_BodyLinks_HRI" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan" target="_blank" title="How to choose the right health insurance plan?">How to choose the right health insurance plan?</a></li>\n\t<li><a href="/health-insurance/introduction" target="_blank" title="Benefits of health insurance">Benefits of health insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/critical-illness-insurance-comparison" target="_blank" title="Compare Critical Illness Insurance Plans">Critical Illness Insurance Comparison</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies" target="_blank" title="Tackling Expensive Medical Emergencies with Health Insurance">How to Tackle Expensive Medical Emergencies with Health Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan" target="_blank" title="Difference between Health Insurance and Mediclaim">Difference between Health Insurance and Mediclaim</a></li>\n\t<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Importance of Health Insurance">Need for Health Insurance Plans</a></li>\n</ul>\n\n<p> </p>\n\n<p style="text-align: center;"> </p>\n</div>\n</div>', 'title': 'Everything About Critical Illness Insurance Cover & Riders', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Compare Health Insurance Plans and Mediclaim Policy | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Many people opting for health cover are unaware about the difference between a mediclaim policy & health insurance. To Know more about health insurance plans & Mediclaim, Visit now !', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'mediclaim policy, mediclaim, mediclaim vs health insurance', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Difference Health Mediclaim Plan\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Difference Health Mediclaim Plan\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan/', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 90, 'slug': 'difference-health-mediclaim-plan', 'excerpt': 'Many people opting for health cover are unaware about the difference between a mediclaim policy and health insurance. HDFC Life lists the comparison of mediclaim vs health insurance to make it more easy for them to understand. Click here to compare now & know more about the details.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_tile.jpg', 'image': {'banner': 'fEGlZ0PHXKjnzcR'}, 'banner_image': {'id': 'fEGlZ0PHXKjnzcR', 'alt': {'en': 'Health Insurance Plan Vs Mediclaim Policy'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_thumb.jpg'}, 'view_count': 52334, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP2_bD7tWl9_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-07T12:32:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_SYH_3">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p>Lot of individuals subscribe to mediclaim policies in the belief that they have adequate health insurance to address all health issues. This is not only inaccurate but might just prove a very costly oversight. Hence it is of utmost importance that we clearly understand the key features that differentiate mediclaim vs health insurance plans so as to opt for the best <a href="https://www.hdfclife.com/health-insurance-plans/easy-health" target="_blank">mediclaim policy</a> in India for your family.</p>\n\n<p>To be sure, mediclaim although a form of <a href="/health-insurance-plans" target="_blank" title="Health Insurance Policies and Plan in India by HDFC Life">health insurance</a> is far from adequate to cover the many illnesses and health conditions that have become so common given the stress and mishaps in everyday life.</p>\n\n<ul>\n\t<li><strong>Mediclaim</strong>\n\n\t<p>First let’s understand what mediclaim brings to the table.</p>\n\n\t<p>The key feature of mediclaim is cover for hospitalization and treatment towards accident and pre-specified illnesses for a specific sum assured limit. The mediclaim premium is based on the sum assured.</p>\n\n\t<p>The amount paid towards mediclaim premium for self/spouse/children provides tax exemption under section 80D for a maximum of Rs 15,000 with another Rs 15,000 benefit on premium of mediclaim policy for parents (Rs 20,000 if parents are senior citizens). Although, not advisable, mediclaim must not be taken for the tax benefit, else it degenerates into a <a href="/insurance-knowledge-centre/tax-saving-insurance/tax-saving-investments-in-2015/" target="_blank" title="Top Tax Saving Investments in India for 2015">tax saving investment</a>, rather than a lifeline for yourself and your family.</p>\n\t</li>\n\t<li><strong>Health Insurance</strong><br />\n\tSome features of health insurance plans include:\n\t<ul>\n\t\t<li>Comprehensive <a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Plan">critical illness cover</a> – as many as 30 illnesses in certain plans</li>\n\t\t<li>Discount on premium if sum assured exceeds a particular limit like Rs 10 lakhs for instance</li>\n\t\t<li>Flexibility to reduce premium after a specified period</li>\n\t\t<li>Flexibility to reduce sum assured after a specified period</li>\n\t\t<li>Flexibility to reduce policy term after a specified period</li>\n\t\t<li>Health insurance premium provide tax exemption under section <a href="/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80D/" target="_blank">80D of Income Tax Act 1961</a>, this being one of the few meeting points between health insurance and mediclaim</li>\n\t</ul>\n\t</li>\n</ul>\n\n<p>Evidently health insurance plans are far superior to mediclaim in terms of breadth of diseases and illnesses covered, quantum of sum assured and flexibility. While mediclaim may prove adequate up to a point, it is health insurance that can be expected to bail you out from a serious (read expensive) medical condition.</p>\n\n<h3><strong>More articles on Health Insurance:</strong></h3>\n\n<ul>\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan?source=W-TEBT_KC_BodyLinks_HRN" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/ulip-and-mutual-fund-comparison" target="_blank" title="Comparison between ULIP and Mutual Fund">Comparison between ULIP and Mutual Fund</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies" target="_blank" title="How to tackle expensive medical emergencies?">How to tackle expensive medical emergencies?</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan" target="_blank" title="How to choose the best health insurance plan?">How to choose the best health insurance plan?</a></li>\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\n\t<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Importance of Health Insurance">Need for Health Insurance Plans</a></li>\n\t<li><a href="/health-insurance/introduction" target="_blank" title="Advantages of Health Plans">Benefits of Health Insurance Plans</a></li>\n\t<li><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Insurance">HDFC Life Easy Health Plan - Critical Illness Plan</a></li>\n</ul>\n\n<h3><strong>Health Insurance Products by HDFC Life offered on HDFC Health:</strong></h3>\n\n<ul>\n\t<li><a href="/health-insurance-plans/cancer-care-insurance" target="_blank" title="Cancer Insurance">HDFC Life Cancer Care Plan - Cancer Insurance Policy</a></li>\n</ul>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p style="text-align: center;"> </p>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'title': 'How is a health insurance plan different from mediclaim policy?', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'How to Tackle High Cost Medical Emergencies - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Critical Illness are never planned and some of the treatments can be very costly. Learn how to be prepared for such medical emergencies with HDFC Life.', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'how to tackle expensive medical emergencies, how to deal with increasing medical cost, how health plans help tackle expensive medical emergencies', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Expensive Medical Emergencies\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Expensive Medical Emergencies\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 87, 'slug': 'expensive-medical-emergencies', 'excerpt': 'Man has made a lot of development over the years, but ironically this hasn’t reflected in every sphere of his life, least of all health and lifestyle. Stress is so common today that it is the rare individual who hasn’t faced its impact at some stage in his life.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'image': {'banner': 'Peen4YqMVgujRUx'}, 'banner_image': {'id': 'Peen4YqMVgujRUx', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg'}, 'view_count': 1501, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP4_sFtuQsL_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-07T12:29:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet"/>\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section_SYH_1">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p>Man has made a lot of development over the years, but ironically this hasn’t reflected in every sphere of his life, least of all health and lifestyle. Stress is so common today that it is the rare individual who hasn’t faced its impact at some stage in his life.</p>\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>-->For this reason, medical contingencies are a lot more frequent today than they were in the past. To complicate matters, costs towards medical treatment, particularly for serious conditions are no longer affordable for a majority of individuals.</p>\n<p>Let’s take cardiovascular ailments which are particularly common in India. Treating a heart ailment, especially, if it involves surgery, can be expensive. That is, if you are looking for high quality surgery since this is one area where cutting corners can prove very costly in the long run.</p>\n<p>The actual cost of the surgery is dictated by a variety of factors like severity of the heart condition, type of surgery, related risk factors, type of medical facility, surgeon’s experience and expertise. Today, cost of a heart surgery in India could vary in the range of Rs 1.5 lakhs to Rs 3 lakhs. Five years later it could be a lot more expensive.</p>\n<p>The illustration below highlights how cost of heart surgery can be expected to rise over the years.</p>\n</div>\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<table border="1" class="tbl-eligibility">\n<tbody>\n<tr>\n<td>Cost of heart surgery today(in Rs)</td>\n<td>\xa02,00,000</td>\n</tr>\n<tr>\n<td>Annual rise in medical cost(in %)</td>\n<td>\xa010</td>\n</tr>\n<tr>\n<td>Future value of heart surgery after 5 years(in Rs)</td>\n<td>\xa03,22,102</td>\n</tr>\n<tr>\n<td>Future value of heart surgery after 10 years(in Rs)</td>\n<td>5,18,748</td>\n</tr>\n<tr>\n<td>Future value of heart surgery after 15 years(in Rs)</td>\n<td>8,35,450</td>\n</tr>\n</tbody>\n</table>\n<p>(Cost of heart surgery and rise in costs are estimates and do not represent actual values.)</p>\n<p>As is evident from the illustration, after 5 years a Rs 2 lakh heart surgery will cost over Rs 3.22 lakhs. After 10 years it will be Rs 5.19 and Rs 8.35 lakhs after 15 years. If an individual hasn’t saved that kind of money, he would have no option other than to dip into his savings and investments or worse borrow money.</p>\n<p>One way to provide for medical emergencies is by taking a <a href="/health-insurance-plans" target="_blank" title="health plan">health plan</a> from an insurance company. Health plans offer a lot of flexibility both in terms of coverage and disbursal. For instance, certain health plans cover as many as 30 critical illnesses and over 80 surgical procedures. Payment towards illness/surgery is disbursed regardless of actual medical expenses. The policy continues even after the benefit payment on selected illnesses.</p>\n<p>With <a href="/health-insurance-plans" target="_blank" title="Health Insurance Plans In India By HDFC Health">health insurance plans</a>, individuals are assured of a more secure future both health-wise and money-wise. This makes health plans critical for individuals, especially if they are responsible for the financial well-being of the family.</p>\n<h3><strong>More articles on Health Insurance:</strong></h3>\n<ul>\n<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan?source=W-TEBT_KC_BodyLinks_HRI" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\n<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Why do I need health plan?">Why do I need health plan?</a></li>\n<li><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Insurance">Critical Illness Insurnace Plan</a></li>\n<li><a href="/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan/" target="_blank" title="How to Choose the Best Health Insurance Plan">How to Choose the Best Health Insurance Plan</a></li>\n<li><a href="http://website.hdfclife.tech/insurance-knowledge-centre/investment-for-future-planning/critical-illness-insurance-comparison" target="_blank" title="Critical Illness Insurance Comparison">Compare Critical Illness Insurance Plans</a></li>\n<li><a href="/insurance-knowledge-centre/secure-your-health/" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\n<li><a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan/" target="_blank" title="Difference between Health Insurance and Mediclaim">Difference between Health Insurance and Mediclaim</a></li>\n<li><a href="/health-insurance/introduction" target="_blank" title="Advantages of Health Plans">Benefits of Health Insurance Plans</a></li>\n</ul>\n<h3><strong>Health Insurance Products by HDFC Life offered on HDFC Health:</strong></h3>\n<ul>\n<li><a href="/health-insurance-plans/cancer-care-insurance" target="_blank" title="Cancer Insurance Plan In India">HDFC Life Cancer Care Plan - Cancer Insurance Policy</a></li>\n</ul>\n<p style="text-align: center;">\xa0</p>\n</div>\n</div>\n</div>\n<p class="Separator">\xa0</p>\n</article>\n</div>\n</div>', 'title': 'How to tackle expensive medical emergencies?', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'How to Choose the Best Health Insurance Policy in India - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Trying to find the best health insurance plans & policies? Read this article that helps choose the best health insurance plans to meet all your medical needs.', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': ' best health insurance plans, best health insurance policies, best health plan, how to choose the right health insurance plan, how do I choose the right medical plan', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Health:Right Health Insurance Plan\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Health\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Health:Right Health Insurance Plan\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'secure-your-health'], 'id': 88, 'slug': 'right-health-insurance-plan', 'excerpt': 'Choosing the best health insurance plan which best fits your requirements is an important decision not just for you but also for your family. There was a time when there was no ‘right’ health insurance plan as there weren’t many in the first place.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_tile.jpg', 'image': {'banner': 'fOSNZRkioXxlOUH'}, 'banner_image': {'id': 'fOSNZRkioXxlOUH', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_thumb.jpg'}, 'view_count': 5980, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-HP1_tAIZ1Mj_thumb.jpg', 'category_url': '/insurance-knowledge-centre/secure-your-health/', 'tag_list': [{'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2016-11-07T12:34:00Z', 'url': '/insurance-knowledge-centre/secure-your-health/right-health-insurance-plan', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\r\n<div class="postDesc contentPage">\r\n<div class="scrollBlock">\r\n<article class="innerBlk" id="section_SYH_2">\r\n<div class="term-assurance">\r\n<div class="head-wrp float-left clearfix">\r\n<p class="float-left">Choosing the best health insurance plan which best fits your requirements is an important decision not just for you but also for your family. There was a time when there was no ‘right’ health insurance plan as there weren’t many in the first place.</p>\r\n\r\n<p><!--<ul class="adjust-size hidden-phone"><li>Text Size</li><li><a class="font10" onclick="changemysize(10);" href="javascript:void(0);">A</a></li><li><a class="font12 active" onclick="changemysize(12);" href="javascript:void(0);">A</a></li><li><a class="font14" onclick="changemysize(14);" href="javascript:void(0);">A</a></li></ul>--></p>\r\n</div>\r\n\r\n<div class="float-left" id="mymain">\r\n<div class="inner-plans-wrp generic ">\r\n<p>But as health insurance needs of individuals have evolved, best health insurance companies have been quick to innovate by launching better plans offering a range of options.</p>\r\n\r\n<p>Before selecting a suitable <a href="/health-insurance-plans" target="_blank" title="Online Health Insurance Policies by HDFC Life">health insurance plan</a>, it is important to keep in mind that there is no one size that fits all. So if your friend or colleague has selected a plan, it does not become an automatic choice for you. The needs of a healthy twenty-five year old are vastly different from the needs of a family, which is markedly different from an individual on the threshold of retirement. Your health plan must address needs specific to you and your family.</p>\r\n\r\n<p>Fortunately, there are a wide range of options for just about every situation and health condition. Every health insurance plan has different ways of handling different health conditions so it’s important to know these options and whether they suit you.</p>\r\n\r\n<p>First, you must determine what kind of coverage you need and whether or not you can afford it. Your insurance advisor should be of assistance in arriving at an ideal health cover that takes into account needs of your family. Next scour the insurance landscape for a health insurance policy that best meets your requirements.</p>\r\n\r\n<p>Next scour the insurance landscape for a health plan that meets your requirements.</p>\r\n\r\n<h3>Broadly, go for health plans that offer the following options</h3>\r\n\r\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\r\n\t<li>Maximum period of time over which the premium remains constant even after making claims</li>\r\n\t<li>Enhanced cover on claim-free years at same premium</li>\r\n\t<li>Expansive cover of illnesses and health conditions. So if there is a family history for a particular health condition like heart ailments, ensure the health plan has it covered.</li>\r\n\t<li>Flexibility to tailor-make the plan in terms of health cover, benefit options and premium payment.</li>\r\n\t<li>Hassle-free claim process with cashless benefits on surgeries and hospitalization across a wide network of hospitals.</li>\r\n\t<li>Tax benefits under relevant sections of the law</li>\r\n</ul>\r\n\r\n<p>These are the options that must be evaluated before selecting a health insurance plan. They need close scrutiny because you can never be too careful when it comes to your and your family’s health.</p>\r\n\r\n<h3>More articles on Health Insurance:</h3>\r\n\r\n<ul>\r\n\t<li><a href="/health-insurance-plans/easy-health" target="_blank" title="Critical Illness Plans">Critical Illness Insurance</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/difference-health-mediclaim-plan" target="_blank" title="Is health insurance different from mediclaim?">Is health insurance different from mediclaim?</a></li>\r\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/health-assure-plan" target="_blank" title="Buy Health Insurance Plan Online">Buy Health Insurance Plan Online</a></li>\r\n\t<li><a href="/health-insurance/introduction" target="_blank" title="Benefits of health insurance">Benefits of health insurance</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/" target="_blank" title="Health Insurance Guide">Health Insurance Guide</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/secure-your-health/expensive-medical-emergencies/" target="_blank" title="Tackling Expensive Medical Emergencies with Health Insurance">How to Tackle Expensive Medical Emergencies with Health Insurance</a></li>\r\n\t<li><a href="/health-insurance/need-for-health-plan" target="_blank" title="Importance of Health Insurance">Need for Health Insurance Plans</a></li>\r\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/health-insurance-comparison" target="_blank">Health Insurance Comparison</a></li>\r\n</ul>\r\n\r\n<h3>Health Insurance Products by HDFC Life offered on HDFC Health:</h3>\r\n\r\n<ul>\r\n\t<li><a href="/health-insurance-plans/cancer-care-insurance" target="_blank" title="Cancer Insurance Plan In India By HDFC Health">HDFC Life Cancer Care Plan - Cancer Insurance Policy</a></li>\r\n</ul>\r\n\r\n<p style="text-align: center;"> </p>\r\n</div>\r\n</div>\r\n</div>\r\n\r\n<p class="Separator"> </p>\r\n</article>\r\n</div>\r\n</div>', 'title': 'How to Choose the Best Health Insurance Plans & Policies in India?', 'tags': ['Health', 'Retirement', 'Investment', 'Child', 'Insurance Basics', 'Tax'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'XbDzby3nXfABGiA', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'CHILD - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Child', 'alt': None, 'icon_url': None, 'label': 'CHILD - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'Income Tax Slabs FY 2019-2020/AY 2020-21 : Tax Rates & Deductions (FY 2019-2020/AY 2020-21)| HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Income Tax Slab FY 2019-20/AY 2020-21: Browse through income tax slab rates (FY 2019-20/AY 2020-21) and deductions in India for tax payers in different age groups and tax benefits offered by its online insurance products. To know more, Click here!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'income tax slab 2019 20, new tax slab 2019 20, new income tax slab 2019 20, 2019 to 2020 income tax slab', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': '', 'slug': 'plan-disclaimer', 'label': 'plan disclaimer'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2019-20', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="application/ld+json">\n {\n "@context": "http://schema.org",\n "@type": "VideoObject",\n "name":"Life Insurance Made Simple - How can i save tax with a Life Insurance plan?",\n "description": "As Indians, we always look for an additional value in everything we buy. So, why should insurance be any different? Along with protecting your family from unforeseen circumstances and incidents, an insurance plan will make sure that you save on taxes. So that you can make sure that your other dreams come true. Life insurance plans like term plans, savings and investment plans and retirement plans make sure that you can protect yourself from different uncertainties in your life.",\n "thumbnailUrl": "https://i.ytimg.com/vi/HPTIPGpv_Tk/default.jpg",\n "uploadDate": "2020-05-11T14:26:08.000Z",\n "duration": "PT3M01S",\n "contentUrl": "https://youtu.be/HPTIPGpv_Tk"\n }\n </script>\n<script type="application/ld+json"> \n{\n "@context": "https://schema.org",\n "@type": "FAQPage",\n "mainEntity": [{\n "@type": "Question",\n "name": "⭐ What are the Income Tax slab rates for AY 2019-20?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "The Income Tax slab rates for those below 60 years of age for Assessment Year 2019-20 (Financial Year 2018-19) are as follows:\n\nTable 1\n\nIncome\n\nTax\n\nUp to Rs 2,50,000\n\nNo tax\n\nRs 2,50,000 to Rs 5,00,000\n\n5% on income more than Rs 2.5 lakh subject to a maximum of Rs 12,500\n\nRs 500,000 to Rs 10,00, 000\n\n20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 12,500\n\nAbove Rs 10,00,000\n\n30% on income exceeding Rs 10,00,000 plus Rs 1 lakh plus Rs 12,500\n\nTable 2\n\nSenior citizens (above 60 years of age) are to follow the following tax rates\n\nIncome\n\nTax\n\nUp to Rs 3,00,000\n\nNo tax\n\nRs 3, 00,000 to Rs 500,000\n\n5% on income more than Rs 3,00,000 subject to a maximum of Rs 10,000\n\nRs 500,000 to Rs 10,00, 000\n\n20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 10,000\n\nAbove Rs 10,00,000\n\n30% of total income more than 10,00,000 plus Rs 1,10,000\n\nThese rates also had an additional health and education cess levied on the overall computable tax in addition to the surcharge. For those earning more than Rs 50 lakh and less than Rs 1 crore, the surcharge was 10%. Those earning more than Rs 1 crore attracted 15% surcharge.\n\n"\n }\n }, {\n "@type": "Question",\n "name": "⭐ What are the Income Tax slab rates for AY 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "The Income Tax slab rates for those below 60 years of age for Assessment Year 2020-21 (Financial Year 2019-20) are as follows -\n\nTable 1\n\nIncome\n\nTax\n\nUp to Rs 2,50,000\n\nNo tax\n\nRs 2,50,000 to R 5,00,00\n\n5% of total income more than Rs 2,50,000\n\nRs 5,00,000 to Rs 10,00,000\n\n20% of total income more than Rs\n\n10,00,00 plus Rs 12,500\n\nAbove Rs 10,00,000\n\n30% of total income more than 10,00,000 plus Rs 1,12,500\n\nThe Income Tax slab rates for those aged 60 to 80 years for Assessment Year 2020-are as follows –\n\nTable 2\n\nIncome\n\nTax\n\nUp to Rs 3,00,000\n\nNo tax\n\nRs 3,50,000 to R 5,00,00\n\n5%\n\nRs 5,00,000 to Rs 10,00,000\n\n20% of total income more than Rs 10,00,00 plus Rs 10,000\n\nAbove Rs 10,00,000\n\n30% of total income more than\n\n10,00,000 plus Rs 1,10,000"\n }\n }, {\n "@type": "Question",\n "name": "⭐ How can I save tax for Assessment Year 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "You can reduce your tax liabilities to a considerable extent by adopting certain strategies.\n\nGet health insurance: Section 80D of the Income Tax Act allows exemption of Rs 25,000 for health insurance of individuals and an additional Rs 25,000 for health insurance of parents. 50000 in case of mediclaim premium paid for parents who are senior c itizens\n\nInvest in Public Provident Fund: Interest on PPF is free.\n\nContribute to NPS: Not only will you be building a pension corpus but by contributing to National Pension Scheme, you will also save taxes. NPS contributions qualify for up to Rs 50,000 deduction under Sec 80 CCD.\n\nBe charitable: Donations to charitable institutions are deductible under Section 80 G. However not all deductions are covered here, so it’s best to confirm with your CA or tax consultant."\n }\n }, {\n "@type": "Question",\n "name": "⭐ Is it possible to file ATR for AY 2020-21 now?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Yes, you can pay your advance tax and file your advance tax returns (ATR) as the Income Tax Department has already notified the IT returns for high value transactions. These transactions include paying power bills amounting to Rs 1 lakh and foreign travel worth Rs 2 lakh.\n\nYou can download the ITR 1 from the Income Tax department’s website. You can file the ITR either by uploading an XML file or via online submission. ITR 1 is to be filed by those whose income is Rs 50 lakh and more, coming from such sources as salary/pension, and house property. The last date of filing ITR-1 for FY 2019-20 is 30 November, 2020."\n }\n } , {\n "@type": "Question",\n "name": "⭐ What is the standard deduction for AY 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "With an additional Rs 10,000, the standard deduction allowed for Financial Year 2019-20 was taken up to Rs 50,000 following the provisions of the Interim Budget 2019. This brought much relief to the salaried and middle class, thereby also softening the impact of inflation. The standard deduction in the previous assessment years was Rs 40,000. With this, the taxable income of a person earning an annual salary of Rs 8 lakh is reduced from Rs 7,60,000 to Rs 7,50,000."\n }\n } , {\n "@type": "Question",\n "name": "⭐ What is the meaning of section 87 A under the IT Act?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Section 87A is a legal provision which allows for tax rebate under the Income Tax Act of 1961. The section which was inserted through the Finance Act of 2013 provides tax relief for individuals earning below a specified limit. Section 87 A provides that anyone who is residing in India and whose income does not exceed Rs 3,50,000 is eligible to claim a rebate. This rebate is applicable only to individuals and not companies, etc and is calculated before adding the health and educational cess of 4 %."\n }\n } , {\n "@type": "Question",\n "name": "⭐ How should I calculate Income Tax for F.Y 2020-21?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Financial Year 2020-21 allows an individual tax payer to pay his taxes by opting for either of two tax regimes. The old tax regime and the new one. The new income tax regime gives the individual the freedom to continue with the old tax regime if he/she so wishes. The old or existing tax regime will still have its relevant tax deductions and exemptions. The new tax structure has only one deduction which is the one under Section 80CCD(2). This means the employer’s contribution to the employee’s National Pension Scheme is deducted from the annual salary. Under both old and new regimes, you can deduct Rs 2,50,000 from your gross salary to arrive at your net taxable income since the exemption is applicable to both regimes."\n }\n } , {\n "@type": "Question",\n "name": "⭐ How are the new IT slabs calculated?",\n "acceptedAnswer": {\n "@type": "Answer",\n "text": "Here’s how to calculate the tax payable by you for both the existing and new regimes. Remember some things remain basic or common irrespective of which regime you choose. For instance income from salary is the sum of your basic salary, housing rent allowance and any other allowances included.\n\nUnder the old tax regime, a standard deduction of Rs 50,000 is allowed. Neither the standard deduction nor any exemptions can be availed of in the new tax regime.\n\nLet’s understand the impact of both regimes on your tax liability. Say you have total income of Rs 16,70,000 combined from salary and other sources. If you make investments under Sections 80C, 80TTA and 80D, you qualify for a deduction of about Rs 1,70,000 from your taxable income. Thus your taxable income is now Rs 15 lakh. This however does not mean that you have to pay 30% tax on Rs 15,00,000. Since tax rules change regularly in India, it is best to consult your CA or your tax advisor for any clarifications."\n }\n }]\n}\n</script>', 'slug': 'head-tag-script', 'label': 'head tag script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Income Tax calculator', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/financial-tools-calculators/income-tax-calculator', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'id': 1283, 'slug': 'income-tax-slab-2019-20', 'excerpt': 'In this article, you will get to know about Income Tax Slabs, what it means for you and what the Income Tax Slab is for the year 2019-2020.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_tile.jpg', 'image': {'banner': '9AZiSAYrcDqWsgb'}, 'banner_image': {'id': '9AZiSAYrcDqWsgb', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_thumb.jpg'}, 'view_count': 471772, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Income_Tax_Slab_2019-20_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}], 'publish_at': '2019-12-11T10:34:53.068215Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2019-20', 'content': '<p>According to the current income tax slabs 2020-2021, the taxation of income of resident individuals below 60 years is as given:</p>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<tbody>\n\t\t<tr>\n\t\t\t<th style="width: 250px;">Taxable income</th>\n\t\t\t<th>Tax Rate<br />\n\t\t\t(Existing Scheme)</th>\n\t\t\t<th>Tax Rate<br />\n\t\t\t(New Scheme)</th>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Up to Rs. 2,50,000</td>\n\t\t\t<td>Nil</td>\n\t\t\t<td>Nil</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 2,50,001 to Rs. 5,00,000</td>\n\t\t\t<td>5%</td>\n\t\t\t<td>5%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 5,00,001 to Rs. 7,50,000</td>\n\t\t\t<td>20%</td>\n\t\t\t<td>10%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 7,50,001 to Rs. 10,00,000</td>\n\t\t\t<td>20%</td>\n\t\t\t<td>15%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 10,00,001 to Rs. 12,50,000</td>\n\t\t\t<td>30%</td>\n\t\t\t<td>20%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Rs. 12,50,001 to Rs. 15,00,000</td>\n\t\t\t<td>30%</td>\n\t\t\t<td>25%</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Above Rs. 15,00,000</td>\n\t\t\t<td>30%</td>\n\t\t\t<td>30%</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> </p>\n\n<p style="text-align: center;"><a class="nav-btn red-btn" href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2020-21" rel="noopener" style="position: relative; color: #fff; background: #d51d25; border-radius: 2px; vertical-align: middle; font: 14px \'Source Sans Pro\'; font-weight: 600; padding: 10px 20px; margin-right: 8px; margin-left: 0;" target="_blank">Latest Income Tax Slab 2020-21</a></p>\n\n<h2><strong>What is an income tax slab?</strong></h2>\n\n<p>Under the Income Tax Act, 1961 – the percentage of income that is payable as tax to the Government is based on the amount of income that a person has earned during a year.</p>\n\n<p>Keeping in mind, the fact that the outgoing of tax is tougher for people earning lower income –in India the rate of tax gets higher for people earning higher amounts in a financial year. This is done by applying a different tax rate for different amounts of annual income. These slabs are tweaked by the government in the annual budget announcements.</p>\n\n<p>For the financial year 2019-20, which means the year from April 1, 2019 – March 31, 2020 – the tax rate slabs have been fixed as below.</p>\n\n<h2><strong>Income Tax Slabs for Individuals</strong></h2>\n\n<p><u><strong>Individuals have been categorized into three categories of taxpayers:</strong></u></p>\n\n<p><br />\n1. Individuals who are below the age of 60 years</p>\n\n<p>2. Senior citizens who are between 60 years and 80 years old.</p>\n\n<p>3. Super senior citizens who are above 80 years old.</p>\n\n<p> </p>\n\n<div class="videoWrap" style="text-align:center;"><iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/HPTIPGpv_Tk?rel=0&modestbranding=1&autohide=1&mute=1&showinfo=0&controls=1&autoplay=1" width="560"></iframe></div>\n\n<h2><strong>Tax Rates for Individuals as per budget 2019-2020</strong></h2>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<thead>\n\t\t<tr>\n\t\t\t<th style="width:181px;height:40px;">\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\n\t\t\t<p><strong>(in Rupees)</strong></p>\n\t\t\t</th>\n\t\t\t<th style="width:442px;height:40px;">\n\t\t\t<p><strong>Tax Rate for Individual Below the Age Of 60 Years</strong></p>\n\t\t\t</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>0 to 2,50,000*</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:37px;">\n\t\t\t<p>Nil</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="width:181px;height:34px;">\n\t\t\t<p>2,50,001 to 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:34px;">\n\t\t\t<p>5% of total income exceeding 2,50,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="width:181px;height:42px;">\n\t\t\t<p>5,00,001 to 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:42px;">\n\t\t\t<p>Tax Amount of 12,500 for the income up to 5,00,000</p>\n\n\t\t\t<p>+ 20% of total income exceeding 5,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="width:181px;height:38px;">\n\t\t\t<p>Above 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:442px;height:38px;">\n\t\t\t<p>Tax Amount of 1,12,500 for the income up to 10,00,000</p>\n\n\t\t\t<p>+ 30% of total income exceeding 10,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p style="margin-left:36.0pt;"> </p>\n\n<h2><strong>Tax Rates for Senior Tax Payers between the age of 60 years to 80 years old</strong></h2>\n\n<table border="0" cellpadding="0" cellspacing="0">\n\t<thead>\n\t\t<tr>\n\t\t\t<th style="\n border: 1px solid;\n">\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\t\t\t</th>\n\t\t\t<th style="\n border: 1px solid;\n">\n\t\t\t<p><strong>Senior Citizens (between 60 years – 80 years)</strong></p>\n\t\t\t</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr style="\n border: 1px solid;\n">\n\t\t\t<td>\n\t\t\t<p>Up to 3,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p style="\n">Nil</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p> 3,00,001 to 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>5% of income exceeding 3,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p> 5,00,001 to 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Tax Amount of 10,000 for the income up to 5,00,000</p>\n\n\t\t\t<p>+ 20% of total income exceeding 5,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Above 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Tax Amount of 1,10,000for the income up to 10,00,000</p>\n\n\t\t\t<p>+ 30% of total income exceeding 10,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> </p>\n\n<h2><strong>Tax Rates for Super Senior Tax payers above the age of 80 years</strong></h2>\n\n<table border="0" cellpadding="0" cellspacing="0">\n\t<thead>\n\t\t<tr>\n\t\t\t<th style="\n border: 1px solid;\n">\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\t\t\t</th>\n\t\t\t<th style="/* width:409px; */border: 1px solid;">\n\t\t\t<p><strong>Very Senior Citizens of and above 80 years of age</strong></p>\n\t\t\t</th>\n\t\t</tr>\n\t</thead>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Up to 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td colspan="2" style="width:433px;border: 1px solid;">\n\t\t\t<p>Nil</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p> 5,00,001 to 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:409px;border: 1px solid;">\n\t\t\t<p>20% of income exceeding 5,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td style="\n border: 1px solid;\n">\n\t\t\t<p>Above 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td style="width:409px;border: 1px solid;">\n\t\t\t<p>Tax Amount of 1,00,000for the income up to 10,00,000</p>\n\n\t\t\t<p>+ 30% of total income exceeding 10,00,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p style="/* margin-left:36.0pt; */font-weight: bold;">SOME IMPORTANT POINTS:</p>\n\n<ul>\n\t<li>The income tax rates are applied to the annual income calculated. Thereafter Surcharge and Cess is added to the tax payable.\n\t<ul>\n\t\t<li>A surcharge is also applicable slab wise. The surcharge is calculated on the Tax amount. If the income is:</li>\n\t</ul>\n\t</li>\n</ul>\n\n<ol style="\n list-style-type: disc;\n">\n\t<li>Above Rs.50,00,000 and up to Rs.1 crore – then 10% surcharge is applicable</li>\n\t<li>Above Rs.1 crore and up to Rs.2 crore – then 15% surcharge is applicable.</li>\n</ol>\n\n<p style="/* margin-left:36.0pt; */">In the Union Budget 2019-20, a new surcharge on income tax for super-rich individuals has been levied. So, individuals earning:</p>\n\n<ol style="\n list-style-type: disc;\n">\n\t<li>Between Rs.2 crores and up to Rs.5 crore –then 25% surcharge is applicable;</li>\n\t<li>For Above Rs. 5 crore – then 37% surcharge is applicable.</li>\n</ol>\n\n<ul>\n\t<li>An additional Cess of 4% for Health & Education is applicable to the income tax plus surcharge.</li>\n</ul>\n\n<p><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80C">Investments under Section 80C</a> can be made up to the tune of Rs.1,50,000 in different investments such as PPF, NSC, etc. and an additional Rs.50,000/- under Section 80 CCD(1B) in NPS can be made.</p>\n\n<ul>\n\t<li>Section 87A allows tax rebate to Individuals whose total annual income falls below Rs.5,00,000. This rebate is limited to Rs.12,500/- and essentially acquits people from having to pay taxes under Rs.5,00,000/-, However, the return of income has to be filed if income is over Rs.2,50,000/-. Individuals with income exceeding Rs.5,00,000/- do not get the benefit of any rebate under section 87A</li>\n</ul>\n\n<h2><strong>Exempted Income Categories</strong></h2>\n\n<p>Income which is exempt from Tax is stated under Section 10 of the Income Tax Act. These include among others income from agriculture, special allowances etc.</p>\n\n<h2><strong>Income Tax Slabs for HUF</strong></h2>\n\n<p>The Income Tax Slab for Hindu Undivided Family (HUF) is the same as the Tax slabs for Individuals under the age of 60 years in the year 2019 – 2020.</p>\n\n<h2><strong>Income Tax Slabs for Partnership Firms</strong></h2>\n\n<p>There is a flat tax rate for Partnership Firms and LLPs (Limited Liability Partnerships) and they are to pay Income Tax at the rate of 30%.</p>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 12% in cases where the annual income is more than Rs.1 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n</ol>\n\n<h2><strong>Income Tax Slabs for Local Authorities</strong></h2>\n\n<p>Local Authorities too are to be taxed at a flat tax rate of 30%.</p>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 12% in cases where annual income is more than Rs.1 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n</ol>\n\n<h2><strong>Income Tax Slabs for Domestic Companies</strong></h2>\n\n<p>Domestic Companies have received a boost. With the turnover raised from 250 crores to 400 crores for a tax rate of 25%. The turnover slab wise tax calculation is:</p>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p><strong>Turnover Particulars</strong></p>\n\t\t\t</td>\n\t\t\t<td> </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Gross turnover up to 400 Cr. in the previous year</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>25% (subject to conditions as set out in the Taxation Laws Amendment Ordinance, 2019)</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Gross turnover exceeding 400 Cr. in the previous year</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% (subject to conditions as set out in the Taxation Laws Amendment Ordinance, 2019)</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> Added to the tax amount is:</p>\n\n<p>Surcharge on tax:</p>\n\n<ol style="list-style-type:disc">\n\t<li>7% in cases where annual income is between Rs.1 Crore to Rs.10 Crore</li>\n\t<li> 12% in cases where annual income is more than Rs.10 Crore</li>\n</ol>\n\n<p>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</p>\n\n<h2><strong>Income Tax Slabs for Foreign Companies</strong></h2>\n\n<p>Foreign Companies are taxed at a rate of 40%.</p>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 2% in cases where annual income is between Rs.1 Crore to Rs.10 Crore</li>\n\t<li>5% in cases where annual income is more than Rs.10 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n</ol>\n\n<h2><strong>Income Tax Slabs for Co-operative Societies</strong></h2>\n\n<table border="1" cellpadding="0" cellspacing="0">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p><strong>Income Tax Slab</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Income Tax Slab Rate</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Up to Rs.10,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>10% of Income</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Rs.10,000 to Rs.20,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% of Income exceeding Rs.10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Over Rs.20,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of Income exceeding Rs.20,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p>Added to the tax amount is:</p>\n\n<ol style="list-style-type:disc">\n\t<li>Surcharge on tax: 12% in cases where annual income is more than Rs.1 Crore</li>\n\t<li>Cess for Health & Education: is at the rate of 4% - calculated on tax amount plus surcharge</li>\n\t<li>So, to calculate your tax liability for the year, you should keep a track of your annual income to know what Income slab you will be falling under for the year 2019 – 2020.</li>\n</ol>\n\n<p>Disclaimer: The above-mentioned tax rates and tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.</p>\n\n<h2 style="text-align: center;font-size: 32px;">Frequently Asked Questions</h2>\n\n<h3><strong>⭐ What are the Income Tax slab rates for AY 2019-20?</strong></h3>\n\n<p>The Income Tax slab rates for those below 60 years of age for Assessment Year 2019-20 (Financial Year 2018-19) are as follows:</p>\n\n<p>Table 1</p>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 2,50,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="42">\n\t\t\t<p>Rs 2,50,000 to Rs 5,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5% on income more than Rs 2.5 lakh subject to a maximum of Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="63">\n\t\t\t<p>Rs 500,000 to Rs 10,00, 000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="63">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p align="justify">30% on income exceeding Rs 10,00,000 plus Rs 1 lakh plus Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<div dir="ltr" id="Section1">\n<p>Table 2</p>\n\n<p>Senior citizens (above 60 years of age) are to follow the following tax rates</p>\n</div>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 3,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="42">\n\t\t\t<p>Rs 3, 00,000 to Rs 500,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5% on income more than Rs 3,00,000 subject to a maximum of Rs 10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="62">\n\t\t\t<p>Rs 500,000 to Rs 10,00, 000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% on income exceeding Rs 500,000 subject to a maximum of Rs 1 lakh plus Rs 10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="62">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of total income more than 10,00,000 plus Rs 1,10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p align="justify">These rates also had an additional health and education cess levied on the overall computable tax in addition to the surcharge. For those earning more than Rs 50 lakh and less than Rs 1 crore, the surcharge was 10%. Those earning more than Rs 1 crore attracted 15% surcharge.</p>\n\n<h3><strong>⭐ What are the Income Tax slab rates for 2020-21?</strong></h3>\n\n<p align="justify">The Income Tax slab rates for those below 60 years of age for Assessment Year 2020-21 (Financial Year 2019-20) are as follows -</p>\n\n<p align="justify">Table 1</p>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 2,50,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="42">\n\t\t\t<p>Rs 2,50,000 to R 5,00,00</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5% of total income more than Rs 2,50,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="41">\n\t\t\t<p>Rs 5,00,000 to Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% of total income more than Rs</p>\n\n\t\t\t<p>10,00,00 plus Rs 12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="41">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of total income more than 10,00,000 plus Rs 1,12,500</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p align="justify">The Income Tax slab rates for those aged 60 to 80 years for Assessment Year 2020-are as follows –</p>\n\n<p>Table 2</p>\n\n<table cellpadding="1" cellspacing="0" width="624">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p><strong>Income</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Tax</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="20">\n\t\t\t<p>Up to Rs 3,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>No tax</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="19">\n\t\t\t<p>Rs 3,50,000 to R 5,00,00</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>5%</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="41">\n\t\t\t<p>Rs 5,00,000 to Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>20% of total income more than Rs 10,00,00 plus Rs 10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td height="40">\n\t\t\t<p>Above Rs 10,00,000</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>30% of total income more than 10,00,000 plus Rs 1,10,000</p>\n\t\t\t</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<h3><strong>⭐ How can I save tax for Assessment Year 2020-21?</strong></h3>\n\n<p align="justify">You can reduce your tax liabilities to a considerable extent by adopting certain strategies.</p>\n\n<ol>\n\t<li>\n\t<p align="justify">Get health insurance: Section 80D of the Income Tax Act allows exemption of Rs 25,000 for health insurance of individuals and an additional Rs 25,000 for health insurance of parents. 50000 in case of mediclaim premium paid for parents who are senior c itizens</p>\n\t</li>\n\t<li>\n\t<p align="justify">Invest in Public Provident Fund: Interest on PPF is free.</p>\n\t</li>\n\t<li>\n\t<p align="justify">Contribute to NPS: Not only will you be building a pension corpus but by contributing to National Pension Scheme, you will also save taxes. NPS contributions qualify for up to Rs 50,000 deduction under Sec 80 CCD.</p>\n\t</li>\n\t<li>\n\t<p align="justify">Be charitable: Donations to charitable institutions are deductible under Section 80 G. However not all deductions are covered here, so it’s best to confirm with your CA or tax consultant.</p>\n\t</li>\n</ol>\n\n<h3><strong>⭐ Is it possible to file ATR for AY 2020-21 now?</strong></h3>\n\n<p align="justify">Yes, you can pay your advance tax and file your advance tax returns (ATR) as the Income Tax Department has already notified the IT returns for high value transactions. These transactions include paying power bills amounting to Rs 1 lakh and foreign travel worth Rs 2 lakh.</p>\n\n<p align="justify">You can download the ITR 1 from the Income Tax department’s website. You can file the ITR either by uploading an XML file or via online submission. ITR 1 is to be filed by those whose income is Rs 50 lakh and more, coming from such sources as salary/pension, and house property. The last date of filing ITR-1 for FY 2019-20 is 30 November, 2020.</p>\n\n<h3><strong>⭐ What is the standard deduction for AY 2020-21?</strong></h3>\n\n<p align="justify">With an additional Rs 10,000, the standard deduction allowed for Financial Year 2019-20 was taken up to Rs 50,000 following the provisions of the Interim Budget 2019. This brought much relief to the salaried and middle class, thereby also softening the impact of inflation. The standard deduction in the previous assessment years was Rs 40,000. With this, the taxable income of a person earning an annual salary of Rs 8 lakh is reduced from Rs 7,60,000 to Rs 7,50,000.</p>\n\n<h3><strong>⭐ What is the meaning of section 87 A under the IT Act?</strong></h3>\n\n<p align="justify">Section 87A is a legal provision which allows for tax rebate under the Income Tax Act of 1961. The section which was inserted through the Finance Act of 2013 provides tax relief for individuals earning below a specified limit. Section 87 A provides that anyone who is residing in India and whose income does not exceed Rs 3,50,000 is eligible to claim a rebate. This rebate is applicable only to individuals and not companies, etc and is calculated before adding the health and educational cess of 4 %.</p>\n\n<h3><strong>⭐ How should I calculate Income Tax for F.Y 2019-20?</strong></h3>\n\n<p align="justify">Financial Year 2020-21 allows an individual tax payer to pay his taxes by opting for either of two tax regimes. The old tax regime and the new one. The new income tax regime gives the individual the freedom to continue with the old tax regime if he/she so wishes. The old or existing tax regime will still have its relevant tax deductions and exemptions. The new tax structure has only one deduction which is the one under Section 80CCD(2). This means the employer’s contribution to the employee’s National Pension Scheme is deducted from the annual salary. Under both old and new regimes, you can deduct Rs 2,50,000 from your gross salary to arrive at your net taxable income since the exemption is applicable to both regimes.</p>\n\n<h3><strong>⭐ How are the new IT slabs calculated?</strong></h3>\n\n<p align="justify">Here’s how to calculate the tax payable by you for both the existing and new regimes. Remember some things remain basic or common irrespective of which regime you choose. For instance income from salary is the sum of your basic salary, housing rent allowance and any other allowances included.</p>\n\n<p align="justify">Under the old tax regime, a standard deduction of Rs 50,000 is allowed. Neither the standard deduction nor any exemptions can be availed of in the new tax regime.</p>\n\n<p align="justify">Let’s understand the impact of both regimes on your tax liability. Say you have total income of Rs 16,70,000 combined from salary and other sources. If you make investments under Sections 80C, 80TTA and 80D, you qualify for a deduction of about Rs 1,70,000 from your taxable income. Thus your taxable income is now Rs 15 lakh. This however does not mean that you have to pay 30% tax on Rs 15,00,000. Since tax rules change regularly in India, it is best to consult your CA or your tax advisor for any clarifications.</p>\n\n<p><strong>ARN: ED/10/19/16278</strong></p>', 'title': 'Income Tax Slabs in India - FY 2019-20/AY 2020-21', 'tags': ['Investment', 'Child', 'Retirement', 'Health', 'Insurance Basics', 'Tax'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Types and Features of Life Insurance You Must Know | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Choosing from the different types of life insurance in India is a crucial decision. Read to know the types & features of life insurance you should know about!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'types of insurance, types of life insurance, types of insurance policies, insurance types, what is life insurance, what is life insurance policy', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Types of Insurance\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Types of Insurance\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/type-of-insurance', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 70, 'slug': 'type-of-life-insurance', 'excerpt': 'Learn about different types and features of life insurance policy and plans. Learn about Term life insurance, whole life policy, Endowment plans, Unit linked insurance plans and Money back policy,etc', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_tile.jpg', 'image': {'banner': 'KeylUdbBQkcMFl0'}, 'banner_image': {'id': 'KeylUdbBQkcMFl0', 'alt': {'en': 'HDFC Life Click 2 Protect Plus'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_thumb.jpg'}, 'view_count': 148598, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/term_insurance_commparision_874-X-364_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-07T04:55:03Z', 'url': '/insurance-knowledge-centre/about-life-insurance/type-of-life-insurance', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section3">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<h2><strong>What is a Life Insurance Policy?</strong></h2>\n\n<p>A life insurance policy is a contract with an insurance company. In this policy, a person has to make regular payments<strong>(known as premiums)</strong>to the insurance company in order to receive a sum of money that will be paid to them after a period of time, or to their family, in case of the policyholder’s death, or if the policy matures. Typically, this type of policy is chosen based on your needs and goals.</p>\n\n<h2><big><strong>Different Types of Life Insurance Policies in India:</strong></big></h2>\n\n<p>There are two basic types of life insurance policies:</p>\n\n<h3>1.) Traditional Whole Life</h3>\n\n<p>A Whole Life Policy is a policy in which you pay till death of the policy holder</p>\n\n<h3>2.) Term Life Insurance</h3>\n\n<p>A Term Life Insurance is a policy for a fixed amount of time.</p>\n\n<p> </p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Sr No.</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Type of Insurance Policy</strong></p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p><strong>Features</strong></p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 1</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/term-insurance-plans" target="_blank"><strong>Term Life Insurance</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>Term insurance is a life insurance product offered by an insurance company which offers financial coverage to the policy holder for a specific time period.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 2</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/insurance-plans" target="_blank"><strong>Whole Life Policy</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>The policyholder pays regular premiums until his death, upon which the corpus is paid out to the family.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 3</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/savings-investment-plans" target="_blank"><strong>Endowment Plans</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>Endowment plans pay out the sum assured under both scenarios - death and survival</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 4</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan" target="_blank"><strong>Unit Linked Insurance Plans</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>ULIP is a life insurance product, which provides risk cover for the policy holder along with investment options to invest in any number of qualified investments.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td> 5</td>\n\t\t\t<td>\n\t\t\t<p><a href="https://www.hdfclife.com/savings-investment-plans/super-income-plan" target="_blank"><strong>Money Back Policy</strong></a></p>\n\t\t\t</td>\n\t\t\t<td>Money back plan is a life insurance product as well as an investment plan which provides life insurance cover against death of the policy holder along with periodic returns as a percentage of sum assured.</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p> </p>\n\n<h2><a href="https://www.hdfclife.com/term-insurance-plans" target="_blank">Term insurance</a></h2>\n\n<p><a href="/term-insurance-plans" target="_blank" title="Term Insurance Policy">Term plans</a> are the most basic type of life insurance. They provide life cover with no savings / profits component. They are the most affordable form of life insurance as premiums are cheaper compared to other <a href="https://www.hdfclife.com/insurance-plans" target="_blank">life insurance plans.</a></p>\n\n<p>Online term insurance plans provide pure risk cover, which explains the lower premiums. A fixed sum of money - the sum assured – is paid to the beneficiaries if the policyholder expires over the policy term. If the policyholder survives, there is no pay out.</p>\n\n<h2>Endowment plans</h2>\n\n<p>Endowment plans differ from term plans in one critical aspect i.e. maturity benefit. Unlike term plans which pay out the sum assured, along with profits, only in case of an eventuality over the policy term, endowment plans pay out the sum assured under both scenarios – death and survival. However, endowment plans charge higher fees / expenses – reflected in premiums – for paying out sum assured, along with profits, in either scenario – death or maturity. The profits are an outcome of premiums being invested in asset markets – equities and debt.</p>\n\n<h2><a href="https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan" target="_blank">Unit linked insurance plans (ULIP)</a></h2>\n\n<p>ULIPs are a variant of the traditional endowment plan.They pay out the sum assured (or the investment portfolio if its higher) on death/maturity.</p>\n\n<p>ULIPs differ from traditional endowment plans in certain areas. As the name suggests, performance of <a href="https://www.hdfclife.com/ulip-plans" target="_blank">ULIP</a> is linked to markets. Individuals can choose the allocation for investments in stock/debt markets. The value of the investment portfolio is captured by the <strong>NAV</strong> (net asset value). To that end, there are many similarities between ULIPs and mutual funds. ULIPs differ in one area, they are a combination of investment and insurance, while mutual funds are a pure investment avenue</p>\n\n<h2>Whole life policy</h2>\n\n<p>A <a href="/savings-investment-plans/sampoorn-samridhi-plus-whole-life-insurance-plan" target="_blank" title="Whole Life Insurance Policy">whole life insurance</a> policy covers a policyholder over his life. The main feature of a whole life policy is that the validity of the policy is not defined so the individual enjoys the life cover throughout his life. The policyholder pays regular premiums until his death, upon which the corpus is paid out to the family. The policy expiresonly in case of an eventuality as there is no pre-defined policy tenure.</p>\n\n<h2>Money back policy</h2>\n\n<p>A <a href="/insurance-knowledge-centre/about-life-insurance/type-of-insurance/www.hdfclife.com/savings-investment-plans/super-income-plan" target="_blank" title="Money Back Plan">money back policy</a> is a variant of the endowment plan. It gives periodic payments over the policy term. To that end, a portion of the sum assured is paid out at regular intervals. If the policy holder survives the term, he gets the balance sum assured. In case of death over the policy term, the beneficiary gets the full sum assured.</p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<p>1.) <a href="/insurance-knowledge-centre/about-life-insurance/need-for-insurance/" target="_blank" title="Need & Importance of Life Insurance">Need of Life Insurance</a></p>\n\n<p>2.) <a href="http://blog.hdfclife.com/understanding-different-categories-of-life-insurance-policy-532280" target="_blank" title="3 Categories of Life Insurance Plans">Categories Of Life Insurance Policies</a></p>\n\n<p>3.) <a href="/insurance-knowledge-centre/about-life-insurance/how-to-buy-term-insurance-online/" target="_blank" title="Online Term Plan Buying Guide">How To Buy Term Insurance Plans Online</a></p>\n\n<p>4.) <a href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-life" target="_blank" title="HDFC Life Click2Protect Plus - Online Term Life Insurance Plan">HDFC Life Click 2 Protect Life</a></p>\n\n<p>5.) <a href="/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-for-salaried-employees/" target="_blank" title="Tax Saving Tips for Salaried Employees">Tax Planning for Salaried Employees</a></p>\n\n<p>6.) <a href="/insurance-knowledge-centre/investment-for-future-planning/best-long-term-investment-options-in-2015" target="_blank" title="Long Term Investment Options for 2015">Long Term Investment Options</a></p>\n\n<p>7.) <a href="/insurance-knowledge-centre/investment-for-future-planning/best-short-term-investment-options-in-2015" target="_blank" title="Short Term Investment">Short Term Investment Options</a></p>\n</div>\n</div>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-life-insurance" target="_blank">What Is Life insurance?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank">Tips to Choose the Best Insurance Policy</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/why-life-insurance-is-important" target="_blank">Life Insurance is Important: Life Insurance Success Stories</a></li>\n</ul>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>\n\n<center><a class="btn btn-primary btn-fulid accDCont" href="https://onlineinsurance.hdfclife.com/portal.do?_portalid=ops_c2pp3d_v2&_pageid=ops_c2pp3d_v2_quotePage&ocpseqno=1&prodcd=C2P3DP&categcd=PROT&name=HDFC%20Life%20Click%202%20Protect%203D%20Plus&link=&source=KC_LITF_C2P3D_CalcP&agentcode=00399206&tabName=c2pp-3d_calculate_premium_v2\n" style="text-align: center;width: 55%;min-width:320px;font-size: 20px;text-transform: none;background-color: #d51d25;border-color: #d51d25;" target="_blank">Secure yourself now! </a></center>', 'title': 'Life Insurance Policy - Types and Features', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Features and Benefits of Insurance You Must Know | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Understand the need & advantages of life insurance & how it plays the dual role of savings & security in human life. To know more about life Insurance, Visit Now!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'benefits of life insurance, need of insurance, benefits of insurance, life insurance policy, why is insurance important', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:Need For Insurance\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:Need For Insurance\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/about-life-insurance/need-for-insurance', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'about-life-insurance'], 'id': 60, 'slug': 'benefits-and-need-for-insurance', 'excerpt': 'A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'image': {'banner': 'NHs1ROzIjpqDIYK'}, 'banner_image': {'id': 'NHs1ROzIjpqDIYK', 'alt': {'en': 'Term Insurance Meaning'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg'}, 'view_count': 7730, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/KC_Article_Resized_Image_thumb.jpg', 'category_url': '/insurance-knowledge-centre/about-life-insurance/', 'tag_list': [{'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-04T12:16:05Z', 'url': '/insurance-knowledge-centre/about-life-insurance/benefits-and-need-for-insurance', 'content': '<p class="float-left">A wide range of vehicles are available to fund future financial goals. These could be low risk-low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in a number of aspects</p>\n\n<h2 class="img-wrp" style="text-align: left;"><strong>Life Insurance for Future Goal Planning</strong></h2>\n\n<ul>\n\t<li>\n\t<h3><strong>Certainty</strong></h3>\n\n\t<p>Once a goal has been identified and a value for it has been crystallized, a <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-life-insurance/" target="_blank">life insurance policy</a> is an excellent vehicle to fund the goal. This is because one can be rest assured that even in the unfortunate event of death or even critical illness, the sum assured will fund a future goal of the policyholder.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Tax efficient</strong></h3>\n\n\t<p>Maturity benefits of most insurance policies are tax free under Section 10 (10D) and the premium paid is eligible for deduction under Section 80C of the Income Tax Act, 1961.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Flexibility</strong></h3>\n\n\t<p>Insurance products, especially Unit Linked Plans, provide flexibility in terms of asset allocation to suit specific risk appetites, policy durations, premium payment terms and fund switching options.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Wider options</strong></h3>\n\n\t<p>Depending on the time horizon of the goal, the return required and the investor's risk appetite, a broad spectrum of asset allocations between equity and debt is possible in a Unit Linked Plan. An investor may tailor his policy to suit his requirement.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Liquidity</strong></h3>\n\n\t<p>Most Insurance products offer good liquidity after the lock-in period to take care of any emergency requirement of funds. But they do have inherent deterrents in the form of charges to discourage unnecessary encashment.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Earmarking</strong></h3>\n\n\t<p>Very often an insurance policy is taken for a specific goal. This therefore can become a deterrent against utilizing these funds for any other purpose and also encourages continued contributions.</p>\n\t</li>\n</ul>\n\n<h2><strong>Insurance for Financial Security</strong></h2>\n\n<p>Insurance helps you to provide for contingent liabilities like hospitalization, critical illness, debt redemption, etc. in a cost efficient manner.</p>\n\n<ul class="markers mrgn-left0 pad-bottom10 mrgn-top10 list-check">\n\t<li>\n\t<h3><strong>Term insurance</strong></h3>\n\n\t<p><a href="/term-insurance-plans" target="_blank">Term insurance</a> is the simplest form of life cover, which pays the sum assured on death. This is useful to simply provide for a family's survival in the unfortunate event of demise of the bread winner. This can also be used to cover repayment of any debt of a policy holder by simply assigning the policy to the creditor. Upon maturity or claim on the policy, the proceeds are paid to the creditor. Loan Cover policies are a variant where the sum assured keeps reducing in line with the loan balance.</p>\n\t</li>\n\t<li>\n\t<h3><strong><a href="/health-insurance-plans" target="_blank">Health insurance</a></strong></h3>\n\n\t<p>These policies provide cover against major health care expenses like hospitalization, surgery, critical illness, etc. The benefits could be in the form of fixed pay-outs on hospitalization or a lump sum on diagnosis against some specified critical illnesses.</p>\n\t</li>\n\t<li>\n\t<h3><strong>Accident benefit</strong></h3>\n\n\t<p>This is usually an add-on cover over a basic policy and pays an additional sum assured to the beneficiary in case of death due to accident. Since accidental death is sudden and unforeseen, the family could be faced with issues like relocation, debt servicing and other requirement for funds.</p>\n\t</li>\n</ul>\n\n<h2><strong>Retirement Planning</strong></h2>\n\n<p>Indian life expectancy has improved dramatically over the years due to availability of advanced medical facilities. However, a longer working life may not really be possible due to occurrences of life-style induced illness and high burn-out rate. The evolving demographic balance with plenty of young talent becoming continuously available may also be a deterring factor to a longer working life unless one is self-employed.</p>\n\n<p>Consequently, our retirement life span could well be as long as our active working life span. This means that we have to build a solid corpus during our active life to maintain our life style for the long post retirement life if we are to enjoy the true meaning of the word "retirement". <a href="/retirement-and-pension-plans" target="_blank">Pension Plans</a> help us build up our savings during our earning years and provide us a lump sum on retirement. This lump sum can then provide us a retirement income by investing in an annuity.</p>\n\n<h2><strong>Provide Post Retirement Income</strong></h2>\n\n<p>The worst situation that a retiree can face is to run out of funds late into retirement. Such a situation may force him to seek help from friends / relatives or liquidate his fixed assets which essentially are a compromise of self-respect. This is where insurance offers the best solution in the form of an annuity. Annuities bought from the retirement corpus can either be used to provide regular post retirement income for a fixed term or for the entire life.</p>\n\n<p>A <a href="/retirement-and-pension-plans/click-2-retire" target="_blank" title="Pension Scheme">pension scheme</a> may be broadly divided into two phases, namely accumulation (pre-retirement) and distribution or consumption (post-retirement). In the above graph*, we assume a 30-year old who plans to retire at the age of 60 years and expects to live till the age of 80 years. His accumulation phase is between the age of 30 and 60 years when he builds his retirement corpus and distribution phase is between the age of 60 and 80 years when he drfaws down this corpus for his living. <a href="/retirement-and-pension-plans" target="_blank">Pension Plans</a> ensure that the distribution phase of your life is as comfortable as your earning years.</p>\n\n<p>* This is only to explain the point and the figures are not based on any calculation.</p>\n\n<h2><strong>Insurance as Inflation Shield</strong></h2>\n\n<p>Inflation lowers the purchasing power of money and makes a dramatic cumulative impact over the long term. It reduces our real income year after year as our cost of living keeps increasing. So, it must be taken into account while framing financial goals.</p>\n\n<p>The following illustration depicts the impact of inflation on income and prices.</p>\n\n<p>Insurance products such as <a href="/insurance-knowledge-centre/about-life-insurance/what-is-ulip-plans/" target="_blank" title="Unit Linked Insurance Plans">Unit Linked Plans</a> help us combat the impact of inflation on our financial goals by providing the option to invest in equity, which is known to deliver one of the best returns from all asset classes, over the long term. Ignoring inflation would result in our savings falling short of the estimated value of future goals, especially over the long term.</p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-plans" target="_blank" title="Insurance Plans">Life Insurance Plans</a></li>\n\t<li><a href="/insurance-knowledge-centre/about-life-insurance/type-of-insurance" target="_blank" title="Types of Insurance">Types of Insurance</a></li>\n\t<li><a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-plus?source=W_KC_BodyLinks_T2P" target="_blank" title="HDFC Life Click2Protect Term Plan Calculator">HDFC Life Click2Protect Term Plan Calculator</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/right-insurance-plan" target="_blank" title="How do I choose and decide on the right plan?">How do I choose and decide on the right plan?</a></li>\n\t<li><a href="/insurance-knowledge-centre/compare-life-insurance-plans/health-insurance-comparison/" target="_blank" title="Compare Health Plans and Policies">Health Insurance Comparison</a></li>\n\t<li><a href="http://blog.hdfclife.com/advantages-of-online-life-insurance-532220" target="_blank" title="Insurance, Just a Click Away!">Insurance, Just a Click Away!</a></li>\n</ul>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/how-to-choose-right-plan" target="_blank">Tips to Choose the Best Insurance Policy</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/life-insurance-necessary-for-long-term-financial-security" target="_blank">Click 2 Protect Health, Benefits</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/advantages-of-buying-life-insurance-early" target="_blank">Advantages of Buying Insurance Early</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/10-reasons-why-you-need-to-invest-in-life-insurance" target="_blank">10 Reasons Why You Need to Invest in Life Insurance</a></li>\n</ul>\n\n<p style="text-align: center;"><a class="nav-btn red-btn" href="https://www.hdfclife.com/online-life-insurance-plans" rel="noopener" style="position: relative; color: #fff; background: #d51d25; border-radius: 2px; vertical-align: middle; font: 14px \'Source Sans Pro\'; font-weight: 600; padding: 10px 20px; margin-right: 8px; margin-left: 0;" target="_blank">Buy Life Insurance Plans</a></p>', 'title': 'Advantages of Insurance - Types and Benefits', 'tags': ['Insurance Basics', 'Tax', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}]}}, {'slug': 'knowledge-center-landing-articles-homepage', 'id': 'NPdaPYFU4jMybhx', 'type': 'article_list', 'fields': {'textfield': ['heading-text', 'bottom-button-text', 'bottom-button-link']}, 'template_url': 'brandsite-home-theme-two/widgets/kc_landing_articles.tpl.html', 'label': 'TAX - New', 'data': {'bottom-button-text': 'View More', 'heading-text': 'Tax', 'alt': None, 'icon_url': None, 'label': 'TAX - New', 'bottom-button-link': None, 'content': [{'attributes': [{'type': 'textfield', 'data': {'value': 'How to File ITR - Guide on How to File Income Tax Returns Online - HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'ITR Filling - Income tax return filing is no longer the hassle it used to be. 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Gone are the long queues and endless anxiety of making the tax-filing deadline.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'image': {'banner': 'jLnk9IjNhXb2Mjw'}, 'banner_image': {'id': 'jLnk9IjNhXb2Mjw', 'alt': {'en': 'Financial Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg'}, 'view_count': 63750, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-07T06:39:02Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/how-to-file-income-tax-returns-online', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section12">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Filing <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-income-tax-return" target="_blank">income tax returns</a> is no longer the hassle it used to be. Gone are the long queues and endless anxiety of making the tax-filing deadline<script>\n !function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0], p = /^http:/.test(d.location) ? \'http\' : \'https\'; if (!d.getElementById(id)) { js = d.createElement(s); js.id = id; js.src = p + \'://platform.twitter.com/widgets.js\'; fjs.parentNode.insertBefore(js, fjs); } }(document,\n \'script\', \'twitter-wjs\');\n </script></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>With online filing,also called e-filing, it is convenient to file returns from the confines of your home/office and at very short notice.</p>\n\n<p>Mentioned below are the broad steps to file your<a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank"> </a>income tax returns online:</p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td><strong>Sr No.</strong></td>\n\t\t\t<td><strong>Step</strong></td>\n\t\t\t<td><strong>Guide To File ITR Online</strong></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 1</td>\n\t\t\t<td>\n\t\t\t<p>Log on to the portal</p>\n\t\t\t</td>\n\t\t\t<td>Log on to the Income Tax Department portal (<a href="http://www.incometaxindiaefiling.gov.in/home">www.incometaxindiaefiling.gov.in</a>) for filing returns online. Register using your Permanent Account Number (PAN), which will serve as the user ID.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 2</td>\n\t\t\t<td>\n\t\t\t<p>Download appropriate ITR form</p>\n\t\t\t</td>\n\t\t\t<td>Under 'Download', go to e-filing under the relevant assessment year and select the appropriate Income Tax Return (ITR) form. Download ITR-1's (Sahaj) return preparation software if you are a salaried individual.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 3</td>\n\t\t\t<td>\n\t\t\t<p>Enter details in Form 16</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Open the Return Preparation Software (excel utility) that you have downloaded, follow the instructions and enter all details from your Form 16.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 4</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Compute all relevant tax details</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Compute tax payable, pay tax and enter relevant <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/enquiry-for-tds-challan-status">challan details</a> in the tax return. If you do not have a tax liability, you can skip this step.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 5</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Confirm the above details</p>\n\t\t\t</td>\n\t\t\t<td>Confirm the details entered by you and generate an XML file, which is automatically saved on your computer.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 6</td>\n\t\t\t<td>\n\t\t\t<p>Submit return</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Go the ‘Submit Return’ section and upload the XML file.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 7</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Digital signature</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>You can digitally sign the file on being prompted. If you do not have a digital signature, you can skip this step</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 8</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Confirmation from ITR verification</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>A message confirming successful e-filing is flashed on your screen. The acknowledgement form – ITR-Verification is generated and the same can be downloaded. It is also emailed to your registered email id.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 9</td>\n\t\t\t<td>E-verify Return</td>\n\t\t\t<td>You can e-verify the return through any one of the below six modes: 1) Netbanking, 2) Bank ATM, 3) Aadhaar OTP, 4) Bank Account Number, 5) Demat Account Number, 6) Registered Mobile Number & E-mail id. E-verification eliminates the need to send a physical copy of the ITR-5 acknowledgement to CPC, Bengaluru<br />\n\t\t\t </td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<h2 align="justify"><strong>How to Download Income Tax Return?</strong></h2>\n\n<p>It is important to how to file ITR on time, to avoid last minute stress and penalties. Once you have filed your ITR, the income tax verification form is generated by the IT department so that taxpayers can verify the validity and legitimacy of e-filing. These are applicable only if you have filed your returns without a digital signature.</p>\n\n<p>The income tax return verification form can be downloaded in easy steps.</p>\n\n<p>1.) Log in to the Income Tax India website <a href="https://portal.incometaxindiaefiling.gov.in/e-Filing/UserLogin/LoginHome.html?lang=eng" target="_blank">https://portal.incometaxindiaefiling.gov.in/e-Filing/UserLogin/LoginHome.html?lang=eng</a></p>\n\n<p>2.) View e-filed tax returns by clicking on 'View Returns/ Forms' option</p>\n\n<p><u><strong>Select option Income tax returns</strong></u></p>\n\n<p>Details of all the years for which returns are filed will be displayed</p>\n\n<p>1.) Click on the acknowledgement numberto download the ITR-V.</p>\n\n<p>2.) Begin the download by selecting 'ITR-V Acknowledgment'</p>\n\n<p>3.) To open the downloaded document, enter your password to open the document. The password is your PAN number in lower letters along with your birthdate.</p>\n\n<p><u><strong>For example-</strong></u></p>\n\n<p>PAN - ASIJP2345P</p>\n\n<p>Birthdate - 31/12/1980</p>\n\n<p>Password - asijp2345p31121980</p>\n\n<ul>\n\t<li>You need to send the printed and signed document to CPC Bangalore within 120 days of the e-filing.There is also an option of E verification of Income tax return by generating aadhar otp, through net banking, through ATM etc.</li>\n</ul>\n\n<h2 align="justify"><strong>Documents required to fill ITR</strong></h2>\n\n<p> It is important to have all the relevant documents handy before you start your e-filing process.</p>\n\n<ul>\n\t<li> Bank and post office savings account passbook, PPF account passbook</li>\n\t<li> Salary slips</li>\n\t<li> Aadhar Card, PAN card</li>\n\t<li> <u><strong>Form-16 </strong></u>- TDS certificate issued to you by your employer to provide details of the salary paid to you and TDS deducted on it, if any</li>\n</ul>\n\n<p> Interest certificates from banks and post office</p>\n\n<ul>\n\t<li> <u><strong>Form-16A</strong></u>, if TDS is deducted on payments other than salaries such as interest received from fixed deposits, recurring deposits etc. over the specified limits as per the current tax laws</li>\n\t<li> <u><strong>Form-16B</strong></u> from the buyer if you have sold a property, showing the TDS deducted on the amount paid to you</li>\n\t<li> <u><strong>Form-16C </strong></u>from your tenant, for providing the details of TDS deducted on the rent received by you, if any</li>\n\t<li><strong> </strong><u><strong>Form 26AS</strong></u> - your consolidated annual tax statement. It has all the information about the taxes deposited against your PAN</li>\n\t<li>a) TDS deducted by your employer</li>\n\t<li>b) TDS deducted by banks</li>\n\t<li>c) TDS deducted by any other organisations from payments made to you</li>\n\t<li>d) Advance taxes deposited by you</li>\n\t<li>e) Self-assessment taxes paid by you</li>\n\t<li> Tax saving investment proofs</li>\n\t<li> Proofs to claim deductions under section 80D to 80U (health insurance premium for self and family, interest on education loan)</li>\n\t<li> Home loan statement from bank</li>\n</ul>\n\n<h2 align="justify"><strong>How to check ITR status online?</strong></h2>\n\n<p>Once you have filed your income tax returns and verified it, the status of your tax return is 'Verified'. After the processing is complete, the status becomes 'ITR Processed'.</p>\n\n<p>If you wish to know which stage your tax return is after filing it and want to check your ITR status online, here’s how you can do it in easy steps.</p>\n\n<p><u><strong>Option One</strong></u></p>\n\n<p><strong><em>Without login credentials</em></strong></p>\n\n<p>You can click on the ITR status tab on the extreme left of the e-filing website.</p>\n\n<p>You are then directed to a new page where you have to fill in your PAN number, ITR acknowledgement number and the captcha code.</p>\n\n<p>Once this is done, the status of your filing will be displayed on the screen.</p>\n\n<p><u><strong>Option Two</strong></u></p>\n\n<p><strong><em>With login credentials</em></strong></p>\n\n<p>Login to the e-filing website.</p>\n\n<p>Click on the option 'View Returns/Forms'</p>\n\n<p>From the dropdown menu, select income tax returns and assessment year</p>\n\n<p>Once this is done, the status of your filing (whether only verified or processed) will be displayed on the screen.</p>\n\n<p align="justify">Keeping the Income Tax Department informed about your income and taxability will keep you on the right side of the law and prevent any blocks in your financial competency. Now that you know whether or not you compulsorily have to file your ITR, you need to ensure that you complete the process before the deadline every year.</p>\n\n<h3><strong>Similar Articles:</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slabs">Income Tax Slabs for FY 2015 and AY 2016</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/how-to-save-income-tax-by-insurance" target="_blank" title="Insurance as a Tax Saving Investment">How to Save Tax with Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-saving-investments-in-2015/" target="_blank" title="Best Tax Saving Plans">Best Tax Saving Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Tax System In India">Tax Structure In India</a></li>\n</ul>\n\n<p> </p>\n\n<p> </p>\n\n<p> </p>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'title': 'How to File Income Tax Return (ITR) Online', 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Financial Planning Tips for Beginners - Early Savings Guide | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Saving money can be the powerful tool towards greater financial independence. Now you might be wondering how to save? Here are the tips to get you started!', 'slug': 'description', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'early financial planning, financial tips for beginners, health plan, health plan, investment tips for beginners, financial planning', 'slug': 'keywords', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Tax:Financial Planning Tips For Beginners\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Tax\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Tax:Financial Planning Tips For Beginners\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'slug': 'adobe-dtm-script', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'specialCarousel', 'slug': 'carousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textarea', 'data': {'value': '/insurance-knowledge-centre/tax-saving-insurance/financial-planning-tips-for-beginners', 'slug': 'canonical-url', 'label': 'canonical url'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Calculate Premium', 'slug': 'article-button-text', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'https://www.hdfclife.com/savings-plans/sanchay-plus', 'slug': 'article-button-link', 'label': 'article button link'}, 'validations': {}}], 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'id': 22, 'slug': 'financial-planning-tips-beginners', 'excerpt': 'If there is one reason why some individuals are more successful with their finances it’s because they are acting on the right financial planning tips. And the best financial planning tip out there is – start early before it gets too late.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'image': {'banner': 'jLnk9IjNhXb2Mjw'}, 'banner_image': {'id': 'jLnk9IjNhXb2Mjw', 'alt': {'en': 'Financial Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg'}, 'view_count': 1869, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-08T05:44:00Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/financial-planning-tips-beginners', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section12">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">If there is one reason why some individuals are more successful with their finances it’s because they are acting on the right financial planning tips. And the best financial planning tip out there is – start early before it gets too late.</p>\n\n<p class="float-left">When it comes to doling out financial planning tips, there is no one bigger than Warren Buffet – the highly regarded investor guru.</p>\n\n<p class="float-left">When asked in a TV show about ‘the biggest mistake we make when it comes to money’, this is what Warren Buffet had to say:</p>\n\n<p class="float-left"><i>“Well, I think the biggest mistake is not learning the habits of saving properly early. Because saving is a habit. And then, trying to get rich quick. It's pretty easy to get well-to-do slowly. But it's not easy to get rich quick.” </i></p>\n\n<div class="inner-plans-wrp generic ">\n<p><!--</blockquote>--></p>\n</div>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>When it comes to saving there cannot be a bigger mistake than postponing investing. Individuals often underestimate the importance of time in amassing wealth. They assume wrongly that they can always make up for lost time in the future.</p>\n\n<p>So if you are looking for financial planning tips, look no further than these three ideas.</p>\n\n<ul class="pad-left10 pad-bottom10 ol-list" style="text-align: justify;">\n\t<li>\n\t<h2>Get a Head Start in Saving</h2>\n\n\t<p>To understand how important a head start can be - take two friends – Raj and Rahul - in their first jobs. They earn approximately the same salary –Rs 25,000 a month.</p>\n\n\t<p>Raj, the carefree type, cannot be bothered about saving money. Needless to say – he spends about everything he earns.</p>\n\t</li>\n</ul>\n</div>\n</div>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<ul class="pad-left10 pad-bottom10 ol-list" style="text-align: justify;">\n\t<li>\n\t<p>Rahul is the more conservative one, always saving for the rainy day. As part of his <a href="https://www.hdfclife.com/savings-plans">savings plan</a> for the future, he sets aside 20% of his salary (or Rs 5,000) towards an investment plan. This he proposes to sustain over 30 years.</p>\n\n\t<p>Looking at Rahul’s investments blossoming over the years Raj – the happy go lucky one – realizes rather belatedly that pursuing a high consumption lifestyle was a mistake. He should have begun investing like Rahul. He decides to begin saving towards an investment plan with a commitment of Rs 5,000 per month. Worth noting is that Raj begins investing 10 years later than Rahul, so his is a 20-year investment time frame.</p>\n\t<b>Early bird gets the worm </b>\n\n\t<p><small>(Rate of return on the investment plan is assumed to be 12% CAGR) </small><br />\n\tClearly, Raj’s 10-year delay proves very expensive –to be precise it costs him over Rs 1.25 crores.</p>\n\t</li>\n\t<li>\n\t<h2>Early Life Insurance</h2>\n\n\t<p>Taking <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/type-of-insurance" target="_blank">life insurance</a> at the earliest is another financial planning tip for the family breadwinner. Anyone with a family needs to make sure his loved ones are secure – at least in a financial sense – when he is gone. The best way to achieve this is through a protection plan, also known as a <a href="/term-insurance-plans" target="_blank" title="Term Insurance Plan by HDFC Life">term plan</a>. The earlier one opts for life insurance, lower the premium. As you age, insurance premiums get expensive and if you are beset with health problems, you could end up paying even higher premiums.</p>\n\t</li>\n\t<li>\n\t<h2>Early Health Cover</h2>\n\n\t<p>Equally prudent is to opt for a <a href="/health-insurance-plans" target="_blank" title="Health Insurance Plans by HDFC Life">health plan</a> or mediclaim at the earliest. As you grow older medical policies get expensive and if there is a medical condition, you may struggle to get a policy, at competitive premiums, if at all.</p>\n\t</li>\n</ul>\n\n<h3><strong>Conclusion</strong></h3>\n\n<p>As you can see, when it comes to saving and investing, you must start as early as possible. Delaying your plan even by a year could end up costing you a large chunk later on. Along with your investments, you also need to safeguard your finances and your family’s future. Today, every balanced investment portfolio also contains life and health insurance policies. While life insurance plans can help you grow your money, health policies will take care of your finances in a medical emergency. By saving and investing right from the time you start earning, you can build a financially secure future for yourself and your loved ones.</p>\n</div>\n</div>\n</div>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-planning-basics" target="_blank">Basics of Financial Planning – A Complete Guide</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-panning-in-india" target="_blank">Thumb rules for personal financial planning in India</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/4-financial-planning-tips-to-make-your-dreams-a-reality" target="_blank">4 Financial Planning Tips to make your dreams a reality</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-planning-and-its-importance" target="_blank">Financial Planning and its Importance</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/financial-planning" target="_blank">Why do I need Savings & Investment Plans?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/important-life-milestones-that-need-you-to-start-saving-for" target="_blank">Important life milestones that need you to start saving for</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/what-should-be-your-financial-goals-in-your-30s" target="_blank">What should be your financial goals in your 30s? </a></li>\n</ul>\n\n<p> </p>\n</article>\n</div>\n</div>', 'title': 'Early Financial Planning Tips for Beginners - Guide to Save Money', 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None}, {'attributes': [{'type': 'textfield', 'data': {'value': 'Tax Planning for Salaried Employees - Tips to Save More | HDFC Life', 'slug': 'title', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'value': 'Ever felt that you are paying too much tax? 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Planning involves making a set of decisions at the start of the financial year in April and discipline comes in when you are required to adhere to the plan come what may.', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_tile.jpg', 'image': {'banner': 'W5QsyTcttQjzpfW'}, 'banner_image': {'id': 'W5QsyTcttQjzpfW', 'alt': {'en': 'Tax Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd.jpg', 'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd.jpg', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_tile.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_thumb.jpg'}, 'view_count': 29963, 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_thumb.jpg', 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'publish_at': '2016-11-08T06:02:00Z', 'url': '/insurance-knowledge-centre/tax-saving-insurance/tax-planning-tips-salaried-employees', 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<div class="postDesc contentPage">\n<div class="scrollBlock">\n<article class="innerBlk" id="section12">\n<div class="term-assurance">\n<div class="head-wrp float-left clearfix">\n<p class="float-left">Tax planning for the salaried employees is a matter of planning and discipline. Planning involves making a set of decisions at the start of the financial year in April and discipline comes in when you are required to adhere to the plan come what may.</p>\n\n<p class="float-left"><strong>There are certain <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/tax-benefits-on-life-insurance">tax saving</a> tips for salaried employees that should hold them in good stead. The tips are geared to reduce tax outgo and help fulfill their financial goals.</strong></p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td><strong>Sr No.</strong></td>\n\t\t\t<td><strong>Tax Saving and Tax Planning Tips</strong></td>\n\t\t\t<td><strong>Comments</strong></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 1</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Take a good look at Section 80C</strong></p>\n\t\t\t</td>\n\t\t\t<td>Section 80 C is important for taxpaying individuals.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 2</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Start with Rs 150,000</strong></p>\n\t\t\t</td>\n\t\t\t<td>PPF, NSC, Life Insurance are most suitable options</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 3</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Begin with the most important options</strong></p>\n\t\t\t</td>\n\t\t\t<td>Life Insurance and EPF could be included</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 4</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Move to the second rung options</strong></p>\n\t\t\t</td>\n\t\t\t<td>ULIP, Pension Plans and NPS qualify for tax benefits</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 5</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Have you taken a home loan?</strong></p>\n\t\t\t</td>\n\t\t\t<td>Claim tax benefits under Section 80C And under Section 24 towards interest payment on the home loan.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td><strong>Tip 6</strong></td>\n\t\t\t<td>\n\t\t\t<p><strong>Don’t forget the other sections</strong></p>\n\t\t\t</td>\n\t\t\t<td>Section 80D, Section 80E, Section 80G</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p class="float-left"> </p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic "><!--</blockquote>-->\n<ul class="pad-left10 pad-bottom10 ol-list" style="text-align: justify;">\n\t<li>\n\t<h2>Tip 1 – Take a good look at Section 80C</h2>\n\n\t<p>When it comes to taxation of salaried employees, perhaps no section is a bigger ally than Section 80C. So the biggest tax planning tip for salaried employee is to take a good look at Section 80C to maximize take-home salary, legally ‘reduce’ income tax rate and lower tax payout.</p>\n\n\t<p>Section 80C comes with a broad range of options to help individuals lower tax liability.</p>\n\n\t<p>Section 80C offers as much as Rs 150,000 in terms of tax benefit, which tells you how important it is for taxpaying individuals.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 2 – Start with Rs 150,000</h2>\n\n\t<p>Make Rs 150,000 your starting point and work backwards by considering the most suitable options like <a href="https://www.hdfclife.com/insurance-plans" target="_blank" title="Life Insurance India">life insurance</a>, PPF (public provident fund), tax-paying mutual funds, NSC (National Savings Certificate) and so on.</p>\n\n\t<p>The <a href="/savings-investment-plans" target="_blank" title="Investment Plans in India by HDFC Life">investment plans</a> and allocations depend primarily on your financial goals, risk profile and income levels. Your financial planner should be helpful over here. He can guide you on how to make the most of these options.</p>\n\t</li>\n\t<li>\n\t<h2>Tip 3 – Begin with the most important options</h2>\n\n\t<p>While reviewing Section 80C benefits, go for options that you would take anyway, even if there was no tax benefit. Typically this would include life insurance, employee provident fund (EPF) – should your employer qualify for the same, tuition fees and so on. Deduct all these from the Rs 150,000 starting point.</p>\n\t</li>\n\t
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