For single premium policies, surrender value can be acquired immediately after policy commencement date. (comparepolicy.com)
Pre-existing disease coverage and health conditions at proposal stage would be covered after 48 months from policy commencement date. (myinvestmentideas.com)
Second draw - back in this HDFC Life Health Assure Plan is that Pre-existing diseases are covered only after 3 years of policy commencement date. (myinvestmentideas.com)