First check about the plan
Charges - HDFC Unit Linked YoungStar Champion include administration charges of Rs. 60 per month, fund management charges of 1.25% per annum charged daily of the fund’s value, and premium allocation charge of 40% of the premium in the 1st year, 30% in 2nd year and 2% from 3rd year onwards upto the 15th year.

Additional Benefit - In case of sudden demise during the policy term, the beneficiary receives the sum assured. In addition to this, 50% of the original regular premium is paid by the company for the rest of the policy term. On maturity, the fund value is paid out to the beneficiary.

Bumper Additions (Only on Maturity) - On maturity after 15 years, the entire Allocation Charge i.e. 70% of annualised premium is paid back to the policyholder.