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Top Up Payment
Notes:
A top up is basically an addition to your contribution towards your insurance policy. It gives you the flexibility as a policy holder to increase the value of investments over a long term. A few things which need to be kept in mind while opting for a top up in your policy:
  • Top up can only be done if all premiums due for the policy till date have been paid.
  • Tax benefits
    • 1. Pension Policy: Tax benefits under the policy are subject to conditions under section 80CCC and 10(10A) of the Income Tax Act, 1961. Amount received on surrender or as pension is taxable as income. The tax laws are subject to amendments from time to time.
    • 2. Life Policies: Tax benefits under the policy are subject to conditions under section 80C and 10(10D) of the Income Tax Act, 1961.
      The tax laws are subject to amendments from time to time and will be as per the prevailing tax laws
  • Partial withdrawal usually allowed after 3 years from the date of top-up without any penalty (in case your policy has been issued post Sep 2010 then it is allowed after 5 years)
  • You usually get a higher allocation compared to your regular premium
  • Convenience to switch between top up fund options whenever you wish For more details on top up for your product speak to our Customer service executive at 1800-103-7766.
  • International credit/debit cards(issued by banks outside India) are not accepted for payments.
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