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U Protect Plan
DHFL Pramerica U Protect Plan is a comprehensive term plan for people looking for high coverage of Rs 25 Lacs or more. This is a pure term plan with lifestyle benefit. Key Features Minimum sum assured of Rs 25 lacs or more Pure Term Plan with only death benefit and no maturity benefit Plan offers premium discount for: Non smoker Healthy lifestyle High Sum Assured Female Lives There are 2 additional riders available with this plan
Product Specification
Details About Premium Annual premium in Rupees, exclusive of tax Policy Term: 20 Years Sum Assured: Rs 50 Lacs Grace Period: 15 days grace period is allowed for payment of premium under monthly mode and 30 days for other modes. If policyholder fails to make payment within the grace period, the policy lapses Policy Termination or Surrender Benefit: There are no surrender or termination benefits available in this plan as this is a pure term plan Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. Exclusions The benefit paid in case of suicide within 12 months of policy inception is the fund value as on that date
Benefits
In case of death of the life insured within the policy tenure, the Sum Assured is paid to the nominee as death benefit and the policy terminates and nothing further is payable Additional protection can be opted for in this plan by choosing for additional riders available: DHFL Pramerica Traditional Critical Illness Rider and DHFL Pramerica Traditional Accidental Death Benefit Rider Income tax benefit on the premium paid as per Section 80C of the Income Tax Act
Documents Required
Policyholder has to fill up an `Application form/ proposal form with accurate medical history along with the address proof and other KYC documents. Medical examination may be required in some cases, based on the sum assured and the age of the person according to their medical grid Gold Rate in Karnataka
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