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Know About Different Money Back Policies In India

Updated On Nov 29, 2021

One of the main advantages of money return insurance is that it provides a steady stream of income at predetermined periods, allowing the insured to meet his or her expenses during the policy's duration. Furthermore, this plan provides a guaranteed return on investment as well as the opportunity to diversify one's capital through investment options. With the information supplied above, it should be clear that this is an excellent option for those who want the advantages of both insurance and a steady source of income. So, where do we go from here? If you want to invest in a Money Back plan in 2021, keep reading to learn about the best Money Back plans available.

Top Three Money Back  Policies In India 

The top Money Back programmes in which you should consider investing your money are as follows:

  • ICICI Pru Cash Advantage Plan 

This plan delivers a guaranteed cash return while supplementing your regular income. It normally begins the year following the end of the premium payment period. The following are some of the plan's characteristics.


  • It gives a lump sum payment, allowing you to secure your financial future.
  • You can pay the premium according to your comfort level and accessible payment methods.
  • Even when you are not around, it provides all-around safety for your family.
  • You will receive a bonus if the insurance provider declares one.

G CAP Plan by Edelweiss Tokio Life

GCAP aids you in accumulating wealth so that you can achieve your lofty goals and celebrate your achievements. This plan has a fully guaranteed maturity benefit, a death benefit, and a Guaranteed Accrual Addition.


  • It offers guaranteed benefits that are stated up front.
  • This plan allows you to customise the length of your insurance and the conditions of your premium payments.
  • In times of financial hardship, it also offers financing options and discounts.
  • Anyone between the ages of 91 days and 55 years old can apply for a coverage that lasts 10, 15, 20, 25, or 30 years.
  • A non-linked insurance plan that offers both maturity and death benefits, as well as guaranteed additions and benefits up front.
  • This plan allows you to customise the length of your insurance and the conditions of your premium payments.

HDFC Life Super Income Plan 

The HDFC Life Super Income Plan offers guaranteed income and asset appreciation for a period of 8 to 15 years. If you choose the single pay option, you will get a regular income starting in the second policy year and continuing until the end of the insurance term.


  • Issuance of a Single-Premium Payment
  • Reversionary and terminal incentives might help you increase your monthly revenue.
  • According to current tax legislation, there are tax benefits.
  • This policy is eligible for a loan.


A Money Back to complete the insurance is one of the wiser ways to organise your life investment cover. You will not only receive money at regular intervals during the policy term, a sum assured at the end of the policy term, and bonus amounts as stated by the insurer, but you will also receive enough insurance coverage for the duration of the policy. A fulfilled Money Back plan makes sense for an investor looking for a policy that gives guaranteed returns as well as rewards at different stages of life to pay for substantial future obligations.

Also read: Are Money Back Policies Really Effective?

Exclusion Of A Money Back Policy

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.        

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