CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY

This document provides key information about your policy. You are also advised to go through your policy document.

Policy
Sl. Description in Simple Words
Title Clause
no. (Please refer to applicable Policy Clause Number in next column)
Number

Name of the Insurance

Part A -
Product and Unique
1 Product Name - HDFC Life Click 2 Achieve (Spl), UIN - 101N186V05 Welcome
Identification Number
Letter
(UIN)

Part A –
Policy Welcome
1200113678699
2 Number/Application Letter and
(please refer to your policy document for your policy number)
Number Policy
Schedule

Type of Insurance
3 Non-Linked other than pure risk and pension Part A
Policy

Instalment Premium - 15000

Mode of premium payment - Monthly
Part A –
Sum Assured on Death – 1200000
4 Basic Policy Details Policy
Sum Assured on Maturity – 2142857
Schedule
Premium Payment Term - 10
Policy Term - 30

Benefits payable on maturity – Maturity benefit is the benefit payable on

maturity subject to life assured surviving till maturity, in accordance with
the terms and condition of the policy. For more details please refer to the
Policy Document.
Benefits payable on death – Death Benefit is payable as Lump sum upon
death of the life assured during the policy term.
Survival Benefits excluding that payable on maturity – Survival Benefit
refers to the periodic payouts to the policyholder on survival of Life
Assured during the policy term which does not include the final payout at
policy maturity.
Surrender Benefits – means the amount, if any, that becomes payable on
surrender of a policy during its term, in accordance with the terms and
conditions of the policy.
Options to policyholders for availing benefits, if any, covered under Part C –
the policy, if opted at inception – Clause 1 &
Policy
Plan Options: 4
5 Coverage/benefits
1. Smart Student Part D –
payable
2. Dream Achiever Clause
Other Benefits available 1,5,6,7
1. Waiver of Premium on Death/CI/TPD
2. Juvenile Critical Illness Rider
3. Option to decrease premium
4. Premium offset
5. Deferral of Survival Benefit(s)
6. Survival Benefit Pay-out Dates
Other benefits/options payable, specific to the policy, if any –
Policyholder can alter the Frequency of Premium Payment and
Guaranteed Income Payout . Alteration in the Frequency of Premium
Payment may lead to a change in the Premium. Such alteration will be in
accordance with the Board approved underwriting policy.
Policy loans will be available during the policy term at the discretion of
HDFC Life and as defined under product terms and conditions.

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 Policy
Sl. Description in Simple Words
Title Clause
no. (Please refer to applicable Policy Clause Number in next column)
Number

Options available (in

case of Linked Not
6 Not Applicable
Insurance Products) Applicable

Option available (in

Not
7 case of Annuity Not Applicable
Applicable
product)

Part A –
Policy
8 Riders opted, if any Not Applicable Schedule –
Rider Policy
Details

Suicide Exclusions - In case of death due to suicide within 12 months

from the Risk Commencement Date under the policy or from the date of
Part F
Exclusions (events revival of the policy, as applicable, the nominee or the beneficiary of the
(General
where insurance policyholder shall be entitled to at least 80% of the total premiums paid till
9 Terms &
coverage is not the date of death or the surrender value available as on the date of death
Conditions)
payable), if any. whichever is higher, provided the policy is in force.
– Clause 4
For exclusions related to optional benefits, if any, please refer to policy
document.

Waiting /lien Period, if Not

10 Not Applicable
any Applicable

Grace period for other than single premium policies means the time granted
by the insurer from the due date of payment of premium, without any penalty Part A –
or late fee, during which time the policy is considered to be in-force with the Policy
11 Grace period risk cover without any interruption, as per the terms & conditions of the policy. Schedule
The grace period for payment of the premium for all types of life insurance Part B –
policies shall be 15 days, where the policyholder pays the premium on a (Definitions)
monthly basis and 30 days in all other cases.

In case the Policyholder is not agreeable to any of the provisions stated in the
Part A -
Policy, the Policyholder has an option to return the Policy to the Company
Welcome
stating the reasons thereof, within 30 days from the date of receipt of the
Letter
Policy. On receipt of the Policyholder’s letter along with the original Policy
12 Free Look Period Part B –
document, the Company shall arrange to refund the Premium paid, subject to
(Definitions)
deduction of the proportionate risk Premium for the period on cover and the
Part D –
expenses incurred by the Company for medical examination (if any) and
Clause 9
stamp duty (if any).

Lapse –is the status of the Policy when due premium is not paid within the
Grace Period. For policies other than single premium, if any due premium
is unpaid upon the expiry of the Grace Period and your Policy has not
acquired a Surrender Value, your Policy’s status will be altered to lapse
and the cover will cease.
Paid-up – For policies other than single premium, if any due premium is
Part B –
unpaid upon the expiry of the grace period and your policy has acquire a
(Definitions)
Lapse, paid-up and Surrender Value, your Policy’s status will be altered to reduced paid-up.
13 Part D –
revival of the Policy Revival - means restoration of the Policy, which was discontinued due to
Clause 2 &
the non-payment of Premium, by the insurer with all the benefits mentioned
3
in the Policy document, with or without rider benefits, if any, upon the
receipt of all the Premiums due and other charges/late fee, if any, during
the revival period, as per the terms and conditions of the Policy, upon
being satisfied as to the continued insurability of the insured/Policyholder
on the basis of the information, documents and reports furnished by the
Policyholder; in accordance with Board approved Underwriting Policy.

Policy Loan, if Policy loans will be available during the Policy Term subject to such terms Part D –
14
applicable and conditions as the Company may specify from time to time. Clause 8

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 Policy
Sl. Description in Simple Words
Title Clause
no. (Please refer to applicable Policy Clause Number in next column)
Number

Turn Around Time (TAT) for claims settlement and brief procedure:
https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-
services/pdf/TAT-Poster.pdf
Claims/Claims Helpline/Call Centre number: 022-68446530 (Call Charges apply) | NRI Part F –
15 Procedure Helpline number: +91 89166 94100 (Call charges apply) Clause 6
Contact details of the insurer: You can email us [email protected] |
[email protected] (For NRI customers only)
Link for downloading claim form and list of documents required including
bank account details: https://www.hdfclife.com/customer-service/claims

Turn Around Time (TAT):

https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-
services/pdf/TAT-Poster.pdf
Helpline/Call Centre number: 022-68446530 (Call Charges apply) | NRI
Helpline number: +91 89166 94100 (Call charges apply) Part F –
16 Policy Servicing
Contact details of the insurer: You can email us [email protected] | Clause 3
[email protected] (For NRI customers only)
Link for downloading applicable forms and list of documents required
including bank account details: https://www.hdfclife.com/customer-
service/forms-and-download

Contact details of Grievance Redressal Officer of the insurer: Tel: 022-

67516666, Helpline number: 022-68446530 (Call charges apply) | NRI
Helpline number +91 89166 94100 (Call charges apply) E-mail:
17 Grievances/Complaints [email protected] | [email protected] (For NRI customers only) Part G
Link for registering the grievance with the insurer’s portal:
https://www.hdfclife.com/customer-service/grievance-redressal
Contact details of Ombudsman: https://www.cioins.co.in/Ombudsman

Declaration by the
Policyholder

I have read the above and confirm having noted the details, by way of an OTP consent.

Place:NA
(Signature of the Policyholder)
Date:04/12/2024

Note: In case of any conflict, the terms and conditions mentioned in the policy document shall prevail.

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