hdfc bank tax saving guide

Income Level / Slabs Income-tax rates

I. Individual (other than II and III below) ,every HUF

i.

ii.

iii.

iv.

Where the total incomedoes not exceed

`2,50,000/-.

Where the total incomeexceeds `2,50,000/- but does not exceed

`5,00,000/-.

Where the total incomeexceeds `5,00,000/- but does not exceed

`10,00,000/-.

Where the total income exceeds `10,00,000/-.

10% of amount by which the total income exceeds

`2,50,000/-.

`25,000/- + 20% of theamount by which the total

income exceeds `5,00,000/-.

`1,25,000/- + 30% of the amount by which

the total income exceeds`10,00,000/-.

NIL

What are the current Tax Slabs?(Assessment Year 2015-2016)

*Calculated on highest tax bracket and subject to changes in tax laws. The above mentioned tax benefits are subject to changes in tax laws. These calculations are illustrative and based on our understanding of current tax legislation.Above figures are calculated for a salaried employee at the highest tax bracket. Please contact your tax consultant for an exact calculation of your tax liabilities.

HDFC Standard Life Insurance Company Limited. In partnership with Standard Life Plc.Insurance is the subject matter of the solicitation. The life insurance product(s) would be underwritten by HDFC Standard Life Insurance Company Limited. For more details on risk factors, terms and conditions and exclusions please read the product brochure or consult your Relationship Manager before conclusion of sale. This creative is not a proof of any contract with HDFC Standard Life Insurance Company Limited. HDFC Standard Life Insurance Company Limited is the name of the insurance company, HDFC Life is the name of the brand and these are the product categories offered by HDFC Life. The name of the company, name of the brand & name of the plan do not in any way indicate the quality of the plan, its future prospects or returns. HDFC Bank Limited IRDA License No: 933982. HDFC Standard Life Insurance Company Ltd. - IRDA Registration No 101. ARN: MC/10/2014/5418 CIN: U99999MH2000PLC128245

IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA dose not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS


II. Individual resident who is of the age of 60 years or more but below the age of 80 years at any time during the previous year

i.

ii.

iii.

iv. Where the total incomeexceeds `10,00,000/-.

Where the total income exceeds `5,00,000/- but does not exceed

`10,00,000/-.

`20,000/- + 20% of the amount by which the total income exceeds

`5,00,000/-.

Where the total income does not exceed

`3,00,000/-.


`5,00,000/-.

10% of the amount by which the total income exceeds `3,00,000/-.

NIL

`1, 20,000/- + 30% of the amount by which

the total income exceeds `10,00,000/-.

Note: Tax Rebate u/s. 87A upto `2,000/- or 100% of Income Tax, whichever is less, is available to resident Individuals having total income below `5,00,000/-


III. Individual resident who is of the age of 80 years or more at any time during the previous year

i.

ii.

iii.

Where the total income does not exceed

`5,00,000/-.


`10,00,000/-.

Where the total income exceeds `10,00,000/-.

Surcharge is 10% of Income Tax if the net income exceeds Rs. 1 Crore, subject to the provisions of marginal relief. Education Cess and Secondary

and Higher Education Cess is 3% of the Income Tax and Surcharge.

The above mentioned tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation

of your tax liabilities.

`1,00,000/- + 30% of the amount by which the total

income exceeds `10,00,000/-.

20% of the amount by which the total income exceeds `5,00,000/-.

NIL

What are the current Tax Slabs?(Assessment Year 2015-2016)

What are the Options available for Tax Saving?

Eligible Assessee: Individual & HUFDeductions: 1. Life Insurance Premium in case of individual for individual, spouse and any child of individual and for any member in case of HUF2. Assessees own contribution to - (a) PF, (b) Superannuation Fund, (c) PPF, (d) RPF3. Contribution by a Government employee for securing deferred annuity not exceeding 1/5th of Salary4. Contribution to ULIP of UTI or LIC MF5. Subscription to NSC VIII Issue.6. Deposits under notified deposit scheme or notified pension fund set up by National Housing Bank.7. Housing Loan repayments and certain payments like stamp duty, registration etc. for purchase / construction of a residential house property.8. Subscription to notified schemes of public sector companies engaged in house financing9. Subscription to Units of Mutual Fund or UTI.

Income Tax Section: 80C 10. Contribution to notified Pension Fund set up by Mutual Fund.11. Payment of Tuition Fees of any 2 Child12. Investments in shares or debentures of approved public company exclusively engaged in infrastructure facility or power sector.13. Investments in units of notified mutual fund investing in approved public cos. as in 12 above14. Term Deposit with scheduled bank For 5 years or more.15. Deposit in Senior Citizen Savings Scheme, 2004.16. Five year time deposit in an account under Post Office Time Deposit Rules, 1981.17. Subscription to notified bonds issued by NABARD.18. Subscription to any notified security or notified deposit scheme of the Central Government.19. Annuity plan of LIC or any other approved insurer.

(Limit: As per Section 80CCE, the aggregate amount of deduction u/s

80C, 80CCC and 80CCD(1), shall not in, any case, exceed `1,50,000/-.)


Eligible Assessee: Individual

Income Tax Section: 80CCC

Contribution to NPS and returns on NPS are tax Free but withdrawals are still taxable.

2. Contribution by Employer in employee account under a pension scheme notified by the Government. (Limit: Amount contributed or 10% of Salary in the previous year, whichever is

lower.)

(Limit: As per Section 80CCE, the aggregate amount of deduction u/s


Deductions: Payment made out of taxable income to LIC or to any other approved insurer under approved Pension Plan does not exceed `100,000.

Deductions: 1. Amount paid or deposited in his account under a pension scheme notified by the Government shall not exceed `100,000/- I. Employee - Amount paid /deposited or 10% of salary in the previous year, whichever is lower. II. Others - Amount paid /deposited or 10% of Gross Total Income, whichever is lower(Limit: As per Section 80CCE, the aggregate amount of deduction u/s



Income Tax Section: 80CCD

(Limit: Assessee, being a new retail investor, whose gross total income

for the relevant assessment year does not exceed `12,00,000/- are

allowed deduction of 50% of amount invested or `25,000/-, whichever

is lower. The deduction shall be allowed for 3 consecutive Assessment

Years.)

Eligible Assessee: Resident Individual

Deductions: Amount invested in acquiring listed equity shares or listed units of equity oriented fund, as may be specified under Rajiv Gandhi Equity Savings Scheme notified by the Central Government subject to 3 years lock in period and certain other conditions as specified in the Act.

Income Tax Section: 80CCG


Eligible Assessee: Individual / HUF

Income Tax Section: 80D

Deductions: Mediclaim Premium paid on the health I. In case of individual: a) Self, Spouse and dependent Children (Limit: Maximum `15,000)

b) Parent/Parents (Limit: Maximum `15,000) II. In case of HUF, on the health of any member of HUF (Limit: Maximum `15,000) If any person specified in clause (I) or (II) age is 60 years(Payment shall be made by any mode other than Cash) (Limit: Maximum

`20,000)

(out of the permissible deduction, payment on account of preventive

health check-up shall not exceed `5,000/- in each case - Payment

shall be made by any mode including Cash)

Eligible Assessee: Resident Individual / HUF

Deductions: Expenditure incurred for medical treatment and amount paid / deposited under any scheme framed by LIC / UTI

Income Tax Section: 80DD

Eligible Assessee: Resident Individual / HUF

Deductions: Cost incurred for medical treatment of such disease or ailments as may be specified. Diseases covered are Neurological Diseases (where the disability level has been certified as 40% or more) Parkinsons, Malignant Cancers, Acquired Immune Deficiency Syndrome (AIDS), Chronic Renal failure, Hemophilia, Thalassaemia & Hematological disorders. I. For Himself/ Dependent in case of Individual (Limit: Maximum `40,000)

II. For any member of HUF (Limit: Maximum `40,000)If any person specified in clause (I) or (II) age is 60 years (Limit: Maximum `60,000)

(out of the permissible deduction, reduce reimbursed amount received

from insurer or employer)

Income Tax Section: 80DDB

/ approved insurer for payment of annuity or lump sum amount for the benefit of dependent being a person with disability.Normal Disability. (Limit: `50,000)Severe Disability. (Limit: `100,000)


Eligible Assessee: Any Assessee

Deductions: Donations made to funds like Prime Ministers Relief Fund, National Children Foundation, any University or educational institution of national eminence, etc. i.e. for charitable purposes specified in section 80G

Income Tax Section: 80G

(Limit: Deduction upto `1,00,000/- in the year in which loan is

sanctioned, i.e. Financial Year 2013-14. If the interest in 1st year is less

than `1,00,000/- balance amount shall be allowed in subsequent year,

i.e. Financial Year 2014-15.)

(Limit: 50% or 100% of net qualifying amount depending on institutions

or funds and subject to some conditions and approval.)

Eligible Assessee: Individual / HUF

Deductions: Interest on deposits in savings account with banks, post office, co-op. societies.

Income Tax Section: 80TTA

(Limit: Amount of interest or `10,000/-, whichever is lower)



Deductions: Out of income chargeable to tax, Any amount of interest paid on educational loan taken for assessees higher education or higher education of assessees husband/ wife or their children or the student for whom the individual is legal guardian. Any course of study pursued after passing Senior Secondary Examination or its equivalent from any school/institute/ university is recognized by the government.The deduction shall be allowed for 8 Assessment years or until the interest is paid in full, whichever is earlier.

Deductions: Interest on loan taken for acquisition of a residential house property in respect of loan sanctioned between 1-4-13 to 31-3-14 provided that-The amount of loan sanctioned is not more than `25 lakhs .-The value of residential property is not more than `40 Lakhs The assessee does not own any residential house property as on date of sanction of loan.

Income Tax Section: 80EE

Income Tax Section: 80E

(Limit: Any amount of Interest paid.)


Eligible Assessee: Salaried employee

Exemptions: Any Conveyance / Transport Allowance given to an employee (No Supporting Bills required).

Section: 10(14)(ii)

(Limit: `800/- per month)


Exemptions: Any contribution by an employer to superannuation fund

Section: 17(2)(vii)

(Limit: upto `1,00,000)


Exemptions: Any Medical Allowance given to an employee (Supporting Bills required)

Section: 17(2)(viii)

(Limit: upto `15,000)


Eligible Assessee: Resident Individual

Deductions: Income of a person suffering from a disability as specified in the ActNormal Disability (Limit: ` 50,000)Severe Disability (Limit: `100,000)(No deduction can be claimed u/s. 80U if deduction is already claimed

u/s. 80DD)

Deductions: I. Housing Loan Interest for self-occupied property for acquisition or construction (Limit: Maximum `200,000)II. Housing Loan Interest for self-occupied property for repaired/renewed/reconstruction (Limit: Maximum `30,000)

In case of other house property (i.e. Let out property) (Limit: Entire amount of interest paid)

Income Tax Section: 24(b)

Income Tax Section: 80U

Tax planning is essential, not only to minimize your tax liability, but also to save significantly in the amount you pay in taxes.Save taxes by investing in:

LIFE INSURANCE

HEALTH INSURANCE MUTUAL FUND


Exemptions: Any House Rent Allowance given to an employee

(Limit: Lower of below:-

1. 50% of Annual Salary*

(40% in case of non-metros)

2. Actual HRA received

3. Rent Paid - 10% of Annual Salary.)

Section: 10(13A)

*"Salary" includes dearness allowances and commission based on a fixed percentage of turnover achieved by an employee, if the terms of employment so provide, but excludes all other allowances and perquisites.

The above list is not exhaustive and mentioned tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.

Plan your tax and save money


Tax Savings through Mutual Funds and Insurance

Medical Insurance premium paid in respect of

AgeSelf, spouse &

dependent children*

Self, spouse, dependent

children and parents are

below 60 years

15000

15000

20000

15000

20000

20000

35000

40000

30000

Total Deduction under section 80D

Parents*

Self, spouse, dependent children are

below 60 years but parents are above 60 years

Self, spouse, dependent

children and parents are

above 60 years

*(out of the permissible deduction, payment on account of preventive health check-up shall

not exceed `5,000/- in each case)

Income Tax Section Tax Saving Options

How Much Tax Can You Save?

80C^ ,80CCC and 80CCD(1)

80D

Total Savings Possible

10 (10D)

Health Insurance &Critical Illness Premium.

Individual and Parents as Senior Citizen

Upto `10,815 saved oninvestment of `35,000

Upto `12,360 saved oninvestment of `40,000

Both Individual and Parents are Senior Citizens

`57,165 ( `46,350 under Section 80C, 80CCC and 80CCD(1) + `10,815 under Section 80D).

`58,710 ( `46,350 under Section 80C, 80CCC and 80CCD(1) + `12,360 under Section 80D).

Under Section 10(10D), the benefits received by youfrom Insurance Policy are completely tax free subject to

conditions specified therein.

Upto `46,350/- saved on investment

of `1, 50,000.

Above figures calculated for an individual with gross annual income exceeding `10,00,000 and less than `1 crore. These calculations are illustrative and based on our understanding of current tax legislations and availability of these offerings. The above mentioned tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.

Life Insurance Premiums, Equity Linked Savings

Scheme (ELSS), Unit Linked Insurance Plans (ULIPS), Contribution to Pension

Funds, Subscription towards notified units of Mutual

Funds or UTI etc

^For complete text of eligible investment kindly refer Section 80C

Tax planning is a part of overall financial planning to achieve long term goals. Choosing the right investment option is the key to save tax and reap maximum benefits of long term investments. Investing in Equity Linked Savings Schemes (ELSS) can help an individual to save tax under Section 80C. As per Section 80C of the Income Tax Act, qualifying investments up to a maximum of `150,000/- are deductible from total income of the individual. This means that if an individual invests `150,000/- in the qualifying investments, he can save tax up to `46,350/-* as per the current income tax slab and rate for FY 20142015. Moreover, past returns cannot be taken as an indicator of future performance. There are fixed income options available under Section 80C, but they may not be able to provide returns commensurate to beat the inflation. This is where ELSS - Equity Linked Savings Schemes come into the picture, however these schemes are more volatile compared to fixed income options.

ELSS tax saving coupled with higher potential returns.

Mutual Funds

Mutual Funds

Comparison of ELSS vs other Tax Savings Instruments

#Returns (%) are historical for last 5 years (CAGR) as on 17th October 2014.$8.50% compounded six monthly but payable at maturity.^Source: http://indiapost.gov.in, Rates incorporates compounding wherever applicable.*As per current income tax rates individual falling in highest tax bracket.

Past performance may or may not be sustain in future. Past performance is not a guarantee for future returns.

Particulars PPF NSC ELSS

Lock-in period-Years

Minimum Investment (`)

Maximum Investment

for Tax Benefit (`)

RiskReturnsInterest Income /

Dividend

15

500

Low Risk8.70% ^Tax Free

Low Risk8.50%$ ^Taxable

10% - 19%#Tax Free

Medium to High

100

1,50,000

500

5 3

I. ELSS Funds come with a host of benefits as compared to other tax saving investment options.II. ELSS is diversified equity mutual fund that provides tax benefits along with long term capital appreciation. Not only do these schemes provide capital appreciation, the Long Term Capital Gains and dividends received on investments are tax free.III. ELSS has the shortest lock-in period of 3 years, as compared to other options.IV. ELSS helps in tax planning as well as provides scope to benefit from the long term growth potential of equities

#It is tax free only if Securities transaction tax is paid and subject to certain conditions

Note: - Returns for greater than 1 year are compounded annualized. Returns are for the period ending 17th Oct 2014. Return figures for all equity oriented schemes are absolute for1 year. Moreover, past returns cannot be taken as an indicator of future performance.

Key features of ELSS - Equity Linked Savings Schemes

Objective Long-term Capital Appreciation and Tax Planning

Equity and Equity Related instruments Generally Large and Midcap stocks

Investors with higher risk appetite, and high return expectation

Long-term ( lock-in period of 3 years)

Investments up to `1.50 lakh exempt from tax

Dividend-tax free#Long Term Capital Gains tax free

Medium to HighRisk

Investment Portfolio

Who should invest?

Investment Horizon

Tax Deduction- Section 80C

Tax Implications

53.36%

25.77%

11.02%

26.97%

16.66%

7.69%

23.44%

15.59%

8.51%14.48%

8.63%

7.38%

5 Years3 Years2 Years1 Years0%

10%

20%

30%

40%

50%

Ret

urns

(%)

Average Returns of Recommended ELSS Funds

Crisil Composite Bond Fund IndexCNX Nifty Index

Average Returns of Recommended ELSS Schemes compared with other indices

Mutual Funds

Thus, it is clear that in order to avail of the maximum benefits of long term investing with the lowest lock in period, one should consider investing in Equity Linked Saving Schemes. Also looking at the CAGR returns for the past 3 years, it is clear that the ELSS have outperformed the conventional tax saving options as well as the broader equity market indices and debt market indices. We continue to remain positive on the Indian markets from long term point of view and from valuation perspective markets are trading at a fair valuation zone. We recommend investors to invest in the recommended ELSS funds to do their tax as well as wealth planning.

Scheme Name 1 Year 2 Year 3 Year 5 YearAxis Long Term Equity FundBirla Sun Life Tax Relief 96DSP BlackRock Tax Saver FundHDFC Long Term Advantage Fund

ICICI Prudential Taxplan

59.82

46.61

46.08

44.44

54.97

25.51

24.41

28.43

23.23

20.71

23.82

14.44

17.51

13.89

24.52 20.91 10.52

32.66 27.30 _ _

Recommended ELSS Schemes

Scheme Name 1 Year 2 Year 3 Year 5 YearIDFC Tax Advantage (ELSS) Fund-RegReliance Tax Saver (ELSS) Fund

SBI Magnum Tax Gain Scheme 93IndicesCNX Nifty Index

S&P BSE Sensex

40.71

89.21

45.00

25.77

23.06

16.66

21.70

15.59 8.63

25.10 17.90 15.95 8.54

11.86

32.83 28.82 19.31

24.36 21.06 13.82

Return figures for all equity oriented schemes are absolute for1 year. Moreover, past returns cannot be taken as an indicator of future performance. #Data Source: MFI Explorer. Returns (%) as on 17th October 2014.

Disclaimer:Mutual Fund investments are subject to market risks, please read all scheme related documents carefully before investing. This document has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable, HDFC Bank Limited ("HDFC Bank") does not warrant its completeness and accuracy. Whilst we are not soliciting any action based upon this information, all care has been taken to ensure that the facts are accurate and opinions given fair and reasonable. This information is not intended as an offer or solicitation for the purchase or sale of any financial instrument Recipients of this information should rely on their own investigations and take their own professional advice. Neither HDFC Bank nor any of its employees shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.

Last minute rush to save tax? Various Sections of Income Tax Act, 1961 allows to save tax on premium invested in life insurance solutions and also on benefits of the insurance plans.

Section 80D 10 (10D)What are exempt from tax

Plans

Premium towards Life Insurance Plans for self, spouse and children (Including Pension Plan)

Premium towards Health Insurance forself, spouse and children

Benefit from LifeInsurancePlan

80C and 80CCC

Life Insurance Plans

HDFC Life Click 2 Protect Plus HDFC Life Sanchay HDFC Life Classic Assure Plus HDFC Life Super Income Plan HDFC Life Youngstar Udaan HDFC Life ProGrowth Plus HDFC SL ProGrowth Super II HDFC Life Smart Woman Plan

HDFC Life Health Assure Plan

Benefits of all LifeInsurance Plans

Health InsurancePlans

Maturity / Death

HDFC Life Insurance offers Insurance Plans aimed at providing long-term real growth of your money besides life.



Section 80D 10 (10D)

Plans

80C and 80CCC

HDFC Life Pension Super Plus HDFC Life Single Premium Pension Super HDFC Life Personal Pension Plan HDFC Life Guaranteed Pension Plan

Pension Plans

Life Insurance Plans to save under Section 80 C

HDFC Life Click 2 protect Plus: As a pure term life insurance policy, this plan provides you comprehensive protection at an affordable price and helps you to protect yourself and your loved ones against the uncertainties that life may throw at you.

HDFC Life Sanchay:This plan offers guaranteed benefits along with flexibility to choose your investment horizon so that you can build a financially secure life for your loved ones.


HDFC Life ProGrowth Plus:This plan is a simple savings-cum-insurance plan that will enable you to enjoy life cover and benefit from comfort of creating your own investment strategies. This unit linked plan will help you to make the most of equities by channelizing your savings effectively.

HDFC SL ProGrowth Super II:This plan is a smart savings-cum-insurance unit linked plan that will help you to provide the finest for your family, be it today or tomorrow. This ULIP aims to help you achieve long term savings.

HDFC Life Smart Woman Plan:This plan is one of its kind in a market for woman. It comes with comprehensive coverage options where coverage against pregnancy complications and congenital conditions or for malignant female-specific cancers is offered. During these critical moments, peace of mind is assured by waiver and funding of premiums to help overcome and adjust to life while investments continue to grow.

HDFC Life Classic Assure Plus:HDFC Life Classic Assure Plus is an investment cum insurance plan that offers guaranteed benefit while letting your money grow. The plan is ideal for meeting long term financial goals as well as creating a financial cushion to secure your familys future.

HDFC Life Youngstar Udaan:This plan will help you systematically plan and invest for your childs goals so that when they are ready to embark on their glorious careers, you too will be financially ready to support them; not only at the final defining moments but throughout the entire journey.

HDFC Life Super Income Plan:This Plan is a participating regular income plan with guaranteed benefits plus bonuses. This policy offers guaranteed income for a period of 8 to 15 years and is ideal for individuals who need regular income at their disposal so that they dont have to worry about future expenses and can fulfill their financial goals uninterrupted.


HDFC Life Personal Pension Plus:HDFC Life Personal Pension Plus is a traditional participating pension plan ideal for individuals who seek to plan for their retirement. Get secure and stable returns on your invested corpus for post retirement income.

HDFC Life Guaranteed Pension Plan:This plan is designed to help you build and secure your retirement fund to enjoy the post retirement income. It is ideal for individuals who seek to plan for their retirement to get guaranteed returns on their invested corpus for post retirement income.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

HDFC Life Pension Super Plus:A unit-linked pension plan designed to build a corpus over the policy term so that you can enjoy post-retirement life.

HDFC Life Single Premium Pension Super:A unit-linked single premium pension plan that creates a corpusover the policy term to generate post retirement income for life.This plan will safeguard your investments and assist you to liveretirement days simply your way.

Pension Plans to save tax under Section 80 CCC

Disclaimer:Subject to change in Income Tax Laws.The policy holder may avail of benefits are as provided under the tax laws. The premium would be subject to Service tax & education cess as per applicable tax rates. Tax laws are subject to change basis the amendments made from time to time. HDFC Standard Life Insurance Company Limited. In Partnership with Standard Life plc. Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions and exclusions please read the product brochure before conclusion of sale. HDFC Bank Limited ("HDFC Bank") is a corporate insurance agent of HDFC Standard Life Insurance Company Limited ("HDFC Life") under Corporate Agent's license no.933982 issued by Insurance Regulatory & Development Authority and does not underwrite the risk or acts as an insurer. HDFC Life Click 2 Protect Plus (Form No P501-123 UIN:101N101V01), HDFC Life Sanchay (Form No P501-118 UIN:101N097V01), HDFC Life Classic Assure Plus (Form No P501-113 UIN:101N089V01), HDFC Life Super Income Plan (Form No P501-121 UIN:101N098V01), HDFC Life Youngstar Udaan (Form No P501-126 UIN:101N099V01), HDFC Life Smart Woman Plan (Form No P501 UIN:101L082V02), HDFC Life ProGrowth Plus (Form No P501 UIN:101L081V02), HDFC SL Pro-Growth Super II (Form No P501 UIN:101L066V02), HDFC Life Health Assure Plan (Form No P501-105-01 UIN:101N087V02), HDFC Life Pension Super Plus (Form No P501 UIN:101L085V02), HDFC Life Single Premium Pension Super (Form No P501 UIN:101L086V02), HDFC Life Personal Pension Plus (Form No P501-116 UIN:101N091V01), HDFC Life Guaranteed Pension Plan (Form No P501-115 UIN:101N092V01).

HDFC Life Health Assure Plan:This plan is a comprehensive, pure protection health insurance plan that reimburses medical expenses incurred in a hospital. It provides the option to secure you and your familys health.

Save tax under Section 80 D

Health Suraksha Plan:HDFC ERGO offers Health Suraksha, a comprehensive health insurance plan designed to provide optimum coverage for treatments including pre and post hospitalisation costs, medica check-ups, cumulative bonus, minimum out-of-pocket expenses and much more. HDFC ERGO Health Suraksha will ensure that your hard-earned savings are utilized to make the quality of your life better by empowering you to invest in avenues that are close to your heart without having to worry about hospitalisation expenses.

Benefits:1. In-patient Treatment: Covers hospitalisation expenses due to sickness or accident up to the Policy Sum Insured.2. Pre-hospitalisation: Pays for medical expenses incurred 60 days immediately before hospitalisation.3. Post-hospitalisation: Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation.4. Day Care Procedures: Pays for 144 listed day care procedures which do not require 24 hours hospitalisation due to technological advancement.

Health Suraksha Plan

Save tax and insure your health with HDFC ERGOs Health Insurance Plans.

Critical Illness Platinum Plan:HDFC ERGOs Critical Illness Plan is designed specifically to cover the high costs of critical illness treatments. It is the best way to safeguard, as it pays a lump sum amount on the very first diagnosis of select critical illnesses. Thus, your Critical Illness Insurance Plan ensures that you can avail the best-in-class treatment. Moreover, the claims process is absolutely hassle free. Thereby, making you spend your precious time with your loved one, than running around arranging for funds.

Benefits:1. Provides a lump sum benefit which can pay for, but not restricted to: Costs for the care and treatment Recuperation aids Debts pay off Any lost income due to a decreasing ability to earn Fund for a change in lifestyle2. Following diseases are covered under the critical illness platinum plan: Parkinsons Disease Kidney Failure


5. Domiciliary Treatment: Pays for expenses incurred for medical treatment taken at home, on advice of a physician.6. Organ Donor: Pays for medical expenses for harvesting an organ donated.7. Emergency Ambulance (Limit per hospitalisation): Pays maximum `2000 per hospitalization for sum insured upto 5 lakh and `3500 per hospitalization for sum insured more than 5 lakh.8. AYUSH - Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.9. Cumulative Bonus: 5% increase in Sum Insured for every claim free year; up to maximum 50%.10. Health checkup: Pays upto 1% of Sum Insured, maximum upto `5000 for a Health Checkup after 4 consecutive claim-free years.


Alzheimer's Multiple Sclerosis Coronary Artery Bypass Surgery Major Organ Transplant Heart Valve Replacement Primary Pulmonary Arterial Hypertension Myocardial Infarction Stroke Benign Brain Tumor Paralysis Aorta Graft Surgery End Stage Liver Disease Cancer

Disclaimer: For more details on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Insurance is the subject matter of the solicitation. The product is underwritten by HDFC ERGO General Insurance Company Limited. HDFC Bank Limited is a corporate agent of HDFC ERGO General Insurance Company Limited. HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel, Mumbai, India - 400 013. Form No./UID No. 845.

1Guaranteed benefits, varying by policy term, will be in the range of 220% to 325% of the Sum Assured at maturity, provided the policy is in force.

HDFC Standard Life Insurance Company Limited. In partnership with Standard Life Plc.Registered Office: HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai- 400 011 Insurance is a subject matter of the solicitation. This Life Insurance product is underwritten by HDFC Standard Life Insurance Company Limited. For more details on risk factors, terms and conditions and exclusions please read the product brochure or consult your Relationship Manager before conclusion of sale. This creative is not a proof of any contract with HDFC Standard Life Insurance Company Limited. HDFC Life Sanchay (Form No.: P501-118 UIN: 101N097V01) is a traditional non-participating insurance product offered by HDFC Life. HDFC Standard Life Insurance Company Limited is the name of the Insurance Company, HDFC Life is name of our brand and HDFC Life Sanchay (Form No.: P501-118 UIN: 101N097V01) is the name of the plan. The name of our company, the name of our brand and the name of our plan do not, in any way, indicate the quality of the plan. HDFC Bank Limited - IRDA License No. 933982. HDFC Standard Life Insurance Company Ltd. - IRDA Reg. No 101. ARN: MC/09/2014/5304. CIN No. U99999MH2000PLC128245

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERSIRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Guaranteed1 benets from 220% to 325% of Sum Assured at maturity

1.

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Disclaimer:The given information should not be considered as substitute for specialised professional advice and expert guidance may be sought before acting upon the same. Neither HDFC Bank nor any of its employees shall be liable for any claims, losses, damages and cost which an investor may suffer or incur by availing the given product options.All the given third party products distributed by HDFC Bank.

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G/N

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P201

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