{"id":8047,"date":"2023-10-30T19:12:47","date_gmt":"2023-10-30T13:42:47","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=8047"},"modified":"2023-12-15T18:42:49","modified_gmt":"2023-12-15T13:12:49","slug":"hdfc-life-group-loan-suraksha","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/","title":{"rendered":"HDFC Life Group Loan Suraksha for Education Loan: Check All Details Here"},"content":{"rendered":"\n<p>HDFC is one of the leading private banks in India. It is a popular choice when it comes to education loans and insurance. The bank has dedicated schemes for loan insurance which covers education loans as well. The scheme is under HDFC Life Group Loan Suraksha whose punch line reflects the purpose of loan insurance &#8211; \u201cprotect your family\u2019s happiness with us\u201d. <a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-insurance\/\"><strong>Education loan insurance<\/strong><\/a><strong> <\/strong>is an important financial tool which provides cover for the loan repayment amount in case of the death or disability of the borrower. Let\u2019s understand in detail about the HDFC Life Group Loan Suraksha for education loans.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/8K9sdn7lEklZyxuHj9Q975rZmoQg0rmibat2X2aWKwAgYb7qjhTVz7xpWBswv4uptXkREvfQ5gVvsH5MnAoOLWXWPq71Kiz7X-taPLV3AhXVeBa1A85UcnRNkLxnd-JW34h4Ay5zZ3SJ8cQ9tFBIvLM\" alt=\"\"\/><\/figure>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-know-the-hdfc-group-loan-suraksha\" data-level=\"2\">Know the HDFC Group Loan Suraksha<\/a><ul><li><a href=\"#h-benefits-of-hdfc-grop-loan-suraksha-policy\" data-level=\"3\">Benefits of HDFC Grop Loan Suraksha Policy<\/a><\/li><\/ul><\/li><li><a href=\"#h-types-of-hdfc-group-loan-suraksha-policy\" data-level=\"2\">Types of HDFC Group Loan Suraksha Policy<\/a><ul><li><a href=\"#h-level-cover-for-interest-only-loans\" data-level=\"3\">Level Cover (For Interest Only Loans)<\/a><\/li><li><a href=\"#h-reducing-cover\" data-level=\"3\">Reducing Cover<\/a><\/li><li><a href=\"#h-joint-life-coverage\" data-level=\"3\">Joint Life Coverage<\/a><\/li><\/ul><\/li><li><a href=\"#h-hdfc-life-group-loan-policy-eligibility-criteria\" data-level=\"2\">HDFC Life Group Loan Policy Eligibility Criteria<\/a><\/li><li><a href=\"#h-how-to-claim-hdfc-group-loan-suraksha-policy\" data-level=\"2\">How to Claim HDFC Group Loan Suraksha Policy?<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-know-the-hdfc-group-loan-suraksha\"><span id=\"know-the-hdfc-group-loan-suraksha\">Know the HDFC Group Loan Suraksha<\/span><\/h2>\n\n\n\n<p>HDFC Life Group Loan Suraksha is a dedicated category for different types of loan insurance. It is a single premium insurance plan which covers your life against the entire loan outstanding. HDFC Life Group Loan Suraksha Plan can be easily customized as per your protection requirements. There are several categories of insurance policies offered by HDFC Life and you can choose among those as per your requirements and the type of loan you have taken.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-of-hdfc-grop-loan-suraksha-policy\"><span id=\"benefits-of-hdfc-grop-loan-suraksha-policy\">Benefits of HDFC Grop Loan Suraksha Policy<\/span><\/h3>\n\n\n\n<p>Check some of the major benefits of the HDFC Group Loan Suraksha for Education Loan Insurance below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HDFC Life Group Loan Suraksha is best suited for anybody who is availing of a loan and doesn\u2019t want to let their family suffer due to any financial problem. Apart from repaying the loan the policy also has a scheme in which some amount will also be paid to the nominee\/legal heir.&nbsp;<\/li>\n\n\n\n<li>The student does not have to pay multiple premiums as the policy offers you an option for single premium payment i.e. you have to pay the premium only once.<\/li>\n\n\n\n<li>The banks offer multiple policies like level cover, reducing cover, joint life coverage etc providing flexibility to choose whatever suits you. You can check the schemes and choose between Level cover and Reduced cover.<\/li>\n\n\n\n<li>There are cases when your loan requires a co-applicant or if the amount is large you need more than one co-applicant. The policy has coverage for all such varied loan segments.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-hdfc-group-loan-suraksha-policy\"><span id=\"types-of-hdfc-group-loan-suraksha-policy\">Types of HDFC Group Loan Suraksha Policy<\/span><\/h2>\n\n\n\n<p>There are multiple categories and types of policies provided by HDFC Life. You can choose among policies like Level Cover, reduced cover, joint life coverage, etc. Depending upon the type of loan you can select the coverage that suits your requirements. Let\u2019s understand in detail the type of HDFC Group Loan Suraksha:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-level-cover-for-interest-only-loans\"><span id=\"level-cover-for-interest-only-loans\">Level Cover (For Interest Only Loans)<\/span><\/h3>\n\n\n\n<p>The Level cover policy provides you the death benefit payable at any point in time which would be the original loan amount sanctioned. It will remain level throughout the policy term. No reductions will be made during the loan repayment. In the event of the death of the borrower, the insurance amount payable against the claim shall be as per the original loan schedule which was guaranteed at the time of taking the policy contract irrespective of the actual loan outstanding with the loan provider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reducing-cover\"><span id=\"reducing-cover\">Reducing Cover<\/span><\/h3>\n\n\n\n<p>During the moratorium period if you haven\u2019t made any payment towards the loan then the claim will be passed and the insurer will repay the loan. The insurance amount in this case will be the same as the total loan outstanding at the time of death and the interest accrued.&nbsp;<\/p>\n\n\n\n<p>If the borrower already started the repayment then in the event of the death of the insured, the amount payable shall be as per the original loan schedule at the time of the starting of the policy contract irrespective of the actual loan outstanding with the loan provider.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong><em>Also Read: There is often a dilemma about whether should one take an unsecured loan or not as some NBFCs offer it at a high rate of interest. Check this blog on <a href=\"https:\/\/fly.finance\/blog\/education-loan\/list-of-unsecured-loans-for-study-abroad\/\">list of unsecured loans to study abroad<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-joint-life-coverage\"><span id=\"joint-life-coverage\">Joint Life Coverage<\/span><\/h3>\n\n\n\n<p>HDFC Life Group Loan Suraksha provides you with an option of Joint Life Coverage if there is a co-applicant. The Insurance will cover both the applicant which will be applicable on a \u2018first-death\u2019 basis. The claim can be made in the event of the death of either of the applicants. However, if a claim has been made for the applicant or the co-applicant then the insurance policy will be dissolved.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-life-group-loan-policy-eligibility-criteria\"><span id=\"hdfc-life-group-loan-policy-eligibility-criteria\">HDFC Life Group Loan Policy Eligibility Criteria<\/span><\/h2>\n\n\n\n<p>The company has prescribed some basic eligibility criteria for any applicant seeking education loan insurance. It is essential to fulfil all the eligibility criteria to get the education loan policy by HDFC Life. Check the details below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Category&nbsp;<\/strong><\/td><td><strong>Eligibility<\/strong><\/td><\/tr><tr><td>Minimum Age<\/td><td>15 years for education loans<\/td><\/tr><tr><td>Type of Cover<\/td><td>Level Cover and Reducing Cover<\/td><\/tr><tr><td>Minimum Sum Assured<\/td><td>INR 5,000 per member&nbsp;<br>(The Sum Assured on Death at the time of the beginning of policy shall not be lower than the loan amount)<\/td><\/tr><tr><td>Premium Amount<\/td><td>INR 1000 (minimum)<\/td><\/tr><tr><td>Term of Insurance<\/td><td>2-30 years (subject to the loan category)<\/td><\/tr><tr><td>Moratorium Period<\/td><td>1-7 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-claim-hdfc-group-loan-suraksha-policy\"><span id=\"how-to-claim-hdfc-group-loan-suraksha-policy\">How to Claim HDFC Group Loan Suraksha Policy?<\/span><\/h2>\n\n\n\n<p>In case of an unfortunate event, the claim amount will be paid and the loan will be closed. However, if the sum assured exceeds the outstanding loan amount then the remaining amount will be paid to the nominee\/legal heir of the insured. Please note that the claim will be passed only if the primary applicant falls under any of the categories mentioned below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any scheduled commercial\/public sector bank regulated by the Reserve Bank of India (RBI).<\/li>\n\n\n\n<li>All registered NBFCs who have a Certificate of Registration from the RBI.<\/li>\n\n\n\n<li>In all other cases, the entire sum assured will be to the nominee\/ legal heir only.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1698673185238\"><strong class=\"schema-faq-question\">What is joint life coverage in HDFC Life Group Loan Suraksha Policy?<\/strong> <p class=\"schema-faq-answer\">In the joint life coverage the coverage will be provided to both the applicants and co-applicant and in the event of death of one the policy can be claimed.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698673192097\"><strong class=\"schema-faq-question\">What is the minimum age limit for getting education loan insurance by HDFC Life?<\/strong> <p class=\"schema-faq-answer\">You need to be at least 15 years old in order to get education loan insurance from HDFC Life.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698673200582\"><strong class=\"schema-faq-question\">Can I take the HDFC Group Loan Suraksha Policy if I have taken an education loan from SBI?<\/strong> <p class=\"schema-faq-answer\">You can easily take the HDFC Group Loan Suraksha Policy irrespective of the lender\/financial institution.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p>This was all about the HDFC Life Group Loan Suraksha Policy. Whenever you are taking an insurance policy check all the terms and conditions carefully. Compare all the plans offered by the company and find out the best-suited policy as per your requirements.&nbsp;<\/p>\n\n\n\n<p>To know more about education loan insurance, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>international bank accounts for students<\/strong><\/a>, forex and banking experience for global students or <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/\"><strong>international money transfers<\/strong><\/a>, reach out to our experts at 1800572126 to help ease your study abroad experience.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background\"><tbody><tr><td><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/how-education-loan-insurance-eases-financial-stress\/\"><strong>How Education Loan eases Financial Stress on Students and Parents<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-refinancing-vs-loan-consolidation\/\"><strong>Education Loan Refinance Vs Loan Consolidation<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/defaulting-on-student-loan\/\"><strong>What Happens When You\u2019re Defaulting On Student Loan?<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 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c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>HDFC is one of the leading private banks in India. It is a popular choice when it comes to education loans and insurance. The bank has dedicated schemes for loan insurance which covers education loans as well. The scheme is under HDFC Life Group Loan Suraksha whose punch line reflects the purpose of loan insurance &#8230; <a title=\"HDFC Life Group Loan Suraksha for Education Loan: Check All Details Here\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/\" aria-label=\"Read more about HDFC Life Group Loan Suraksha for Education Loan: Check All Details Here\">Read more<\/a><\/p>\n","protected":false},"author":24,"featured_media":8051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-8047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>HDFC Life Group Loan Suraksha for Education Loan: Check All Details Here<\/title>\n<meta name=\"description\" content=\"This blog includes the details about the HDFC Life Group Loan Suraksha. 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With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.","sameAs":["https:\/\/in.linkedin.com\/in\/thahankmoody","https:\/\/www.tumblr.com\/blog\/dhanlabh"],"url":"https:\/\/fly.finance\/blog\/author\/shekhar\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/#faq-question-1698673185238","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/#faq-question-1698673185238","name":"What is joint life coverage in HDFC Life Group Loan Suraksha Policy?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"In the joint life coverage the coverage will be provided to both the applicants and co-applicant and in the event of death of one the policy can be claimed.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/#faq-question-1698673192097","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/#faq-question-1698673192097","name":"What is the minimum age limit for getting education loan insurance by HDFC Life?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You need to be at least 15 years old in order to get education loan insurance from HDFC Life.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/#faq-question-1698673200582","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-life-group-loan-suraksha\/#faq-question-1698673200582","name":"Can I take the HDFC Group Loan Suraksha Policy if I have taken an education loan from SBI?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can easily take the HDFC Group Loan Suraksha Policy irrespective of the lender\/financial institution.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/8047","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=8047"}],"version-history":[{"count":3,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/8047\/revisions"}],"predecessor-version":[{"id":8662,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/8047\/revisions\/8662"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/8051"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=8047"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=8047"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=8047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}