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HDFC Standard Life Insurance Company, a leading private insurer, is a joint venture between HDFC Ltd and Standard Life Aberdeen, a global investment company. It was founded in 2000 and is headquartered in Mumbai, India.
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HDFC Life Insurance offers comprehensive financial solutions to individuals with its 535 branches across India. Some of the key products offered by the company are term, pension, savings, health, investment, and a wide range of plans catering to the needs of children and women.
Established in 2000, HDFC Life Insurance is one of India's leading private life insurance providers. It offers various products, including term insurance, endowment plans, ULIPs, retirement solutions, and health insurance. Known for its customer-centric approach and strong claim settlement ratio, HDFC Life aims to provide policyholders with financial security and peace of mind.
| Parameters | Details |
| Solvency Ratio (2022-23) | 2 |
| No. of lives insured (2023-24) | 6.6 Cr |
| Assets Under Management (2023-24) | 2,92,200 Crore |
| Branches in India | 535 |
| Award (2024) | Superbrand for the 9th time |
The HDFC life insurance benefits are as follows:
Financial Protection: HDFC Life offers several insurance plans that help secure the financial future of your loved ones. It does so by providing a death benefit to the policyholder's family in the event of their unfortunate death during the policy tenure. Your family can use this amount to pay their rent, child’s fees, and other financial obligations.
Build a Corpus: You can create wealth in the long term by investing in HDFC Life insurance plans online. This corpus buildup can help you beat inflation, fulfill lifelong goals, help pay for a child’s higher education, or pay for a child’s wedding.
High Claim Settlement Ratio: HDFC Life Insurance Company had a Claim Settlement Ratio of 99.39% in the financial year 2022-23. This means the company settled most of the claims it received in the financial year and is a reliable insurer in the insurance sector.
Variety of Products: HDFC Life offers various life insurance products, including term insurance plans, savings plans, ULIP plans, retirement plans, child plans, and more. You can review the HDFC life insurance plans list to see the available plans and purchase the most suitable plan for your needs.
Lower Premium Rate: HDFC Life Insurance offers the most affordable premium rates for life insurance plans. You can save more on your life insurance premiums by purchasing the plans online. Several life insurance companies in India offer lower premium rates online since there is no agent commission cost in an online life insurance policy.
Convenient Policy Purchase: You can conveniently compare and buy your life insurance policy online from the comfort of your home with just a few clicks. This saves time and energy as the entire process is paperless.
Dedicated Customer Service: HDFC Life offers dedicated customer support for customers who want to access their life insurance policies online. You can check your HDFC life insurance policy details by logging into the company account using your policy number and date of birth.
Term Plans
HDFC Life offers a wide range of life insurance policies, from term to unit-linked plans, with great features and benefits. All these plans come at competitive premium rates and meet all customers' requirements. The HDFC Life Insurance plans list includes
Let us take a look at the HDFC life insurance plans list in detail to understand the plans better.
The HDFC term insurance policy provides comprehensive coverage by offering a large sum assured at pocket-friendly premium rates. You can customize and enhance the base term plans by including additional riders in the base plan. It provides a death benefit in the event of the policyholder’s untimely death during the policy term.
| Term Insurance Policy | Age of Entry | Age of Maturity | Sum Assured | Policy Tenure | Mode of Premium Payment |
| HDFC Life Click 2 Protect Super | 18 - 65 years | 85 years | Rs. 50 Lacs - Rs. 20 Crore | 5 - (85 - entry age) years | Annual, half-yearly, quarterly, and monthly |
| HDFC Life Click 2 Protect Life | 18 - 65 years | Whole life | Rs. 20 Lacs - No limit | 10 - (whole life - entry age) years | Annual, semi-annual, quarterly, and monthly |
| QuickProtect by HDFC Life | 18 - 50 years | 75 years | Rs. 75 Lacs, Rs. 1 Crore, and Rs. 1.25 Crore | 5 - 40 years | - |
| HDFC Life Click 2 Protect Elite | 30 - 45 years | 75 years | 2 Crores - 5 Crores | 15/20 years | Quarterly, annually, half-yearly |
| HDFC Life Sanchay Legacy | 45 - 65 years | 99/100 years | - | 99 - entry age | Monthly, quarterly, annually, half-yearly |
| HDFC Life Smart Protect Plan | 18 - 45 years | 85 years | 50 Lacs - 1 Crore | 25 - 40 years | Annual, semi-annual, quarterly, and monthly |
| HDFC Life Saral Jeevan Bima | 18 - 65 years | 70 years | Rs. 5 Lacs - No limit | 5 - 40 years | Yearly, half-yearly, and monthly |
| HDFC Life Smart Term Pro | 18 - 60 years | 80 years | Rs. 15 Lacs - No limit | 15 - 40 years | Monthly, half-yearly, and annual |
| HDFC Life Smart Term Edge | 18 - 60 years | 75 years | Rs. 5 Lacs - No limit | 12 - 30 years | Monthly, half-yearly, and annual |
| HDFC Life Term with Return of Premium | 18 - 50 years | 65 years | Rs. 5 Lacs - Rs. 25 Lacs | 10 - 30 years | Annual |
* The policy term for the return of premium and income replacement option is 5 to 40 years.
Offer 3 plan options for you to choose from as per your requirements
On survival receive all the premiums back at the end of the policy term
Get Waiver of Premium on critical illness and disability with WOP CI and WOP Disability
Choose increasing death benefit that can increase up to 200% of the basic sum assured with the life option
Cover your spouse within the same plan with additional cover for spouse
Choose to receive life cover for your whole life
Get additional sum assured on accidental death with the plan’s ADB option
Choose from 3 plan options: life protect, income plus, and life and CI rebalance
With term return of premium option receive all the premiums back at the end of the life insurance policy
Special premium rates offered for women and non-smoking customers
Choose from 3 sum assured of 75 Lacs, 1 Crore, or 1.25 Crore
Get protection against 19 illnesses with the Critical illness rider
Receive life cover with 2 times coverage on accidental death
Both Return of premiums and Non-ROP options are available
The plan offers a combination of 4 benefits: Click 2 Protect Life - Life Protect, Critical illness rider, Accidental Death Benefit, and Income Benefit on accidental disability rider
Death benefit payable on the death of the policyholder during the policy term
Choose from 4 riders to enhance the base plan
The plan provides a smart exit benefit to exit the plan early and receive all the premiums paid
You can alter the premium payment frequency during the premium payment term
Receive tax benefits as per the prevailing tax laws
Choose to receive maturity benefits with the plan’s return of premium option
Get coverage against 19 critical illnesses with this term plan
You can select for the plan to cover you for your whole life
The plan allows you to decrease the premiums after 5 years
You can choose the payout options as the lump sum or regular installments
You can choose from 4 plan options: level cover, level cover with capital guarantee, decreasing cover, decreasing cover with capital guarantee
You get the Accidental death benefit and accidental total and permanent disability benefits included in the plan
You can switch between funds as per your suitability with unlimited free switching
You can make partial withdrawals anytime after the 5-year lock-in period
The plan offers tax benefits as per the prevailing tax laws under ITA, 1961
Pay the premiums in a single, limited, or regular premium payment term
Get additional coverage with HDFC life protect plus rider and HDFC Life Income Benefit on Accidental Disability Rider
Secure family financially in your absence
The minimum sum assured of Rs. 5 Lacs within the plan
You can pay the premiums on a monthly, annual, or semi-annual basis
Choose from 3 death benefit payout options: lump sum, lump sum with family income, and family income payout
Get all the premiums paid back at the end of the policy term as maturity benefit
Pay the premiums monthly, annually, or semi-annually
Pay the premiums for a limited payment term of 5, 8, 10, 12 years
Get a minimum and maximum policy term of 15 and 40 years respectively
Choose from 3 plan options: protection with ROP, protection with a higher return of premium, and enhanced protection with a return of premiums
Pay premiums on monthly, half-yearly, or annual basis
Add HDFC Life Accidental Death, Disability and Dismemberment Rider and HDFC Life Critical Illness Rider for enhanced coverage
Get 3 variants in each plan: Classic, step-up, and Comprehensive
Receive all the premiums paid at the end of the policy term with ROP option
Receive all the paid premiums back at the end of the policy term
Provide your family with financial coverage in case of an unfortunate death
The premiums can be paid on annual basis only
The maximum policy term is 30 years and the maximum maturity age is 65 years
The minimum and maximum sum assured under the plan is 5 and 25 Lacs respectively
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HDFC life insurance offers traditional saving plans that provide guaranteed returns at regular intervals to help you fulfill your financial goals. You can also enhance the life cover from these plans by including riders in the base plan and start saving on yearly taxes as per the prevailing tax laws.
| Life Insurance Policy | Age of Entry | Maturity Age | Policy Tenure | Premium Payment Term | Mode of Premium Payment |
| HDFC Life Click 2 Achieve | 30 days - 13 years | 23 years | 10 - 23 years | 5 - 10 years | Annual, bi-annual, monthly, and quarterly |
| HDFC Life Sanchay Plus | 5 - 60 years | 80 years | 5 - 20 years | 5 - 12 years | Annual, bi-annual, monthly, and quarterly |
| HDFC Life Sanchay Fixed Maturity Plan | 90 days - 70 years | 90 years | 5 - 40 years | 5 - 20 years | Annual, bi-annual, monthly, and quarterly |
| HDFC Life Sanchay Par Advantage | 30 days - 65 years | 100 years | 100 - entry age | 20 - 40 years | Yearly, half-yearly, monthly, and quarterly |
| HDFC Life Guaranteed Income Insurance Plan | 30 days - 65 years | 99 years | 16 - 40 years | 8 - 15 years | Monthly, quarterly, half-yearly, and annually |
| HDFC Life Saral Jeevan | 30 days - 65 years | 85 years | 5 - 20 years | 5 - 11 years | Yearly, bi-annually, monthly |
| HDFC Life ClassicAssure Plus | 30 days - 60 years | 75 years | 10 - 20 years | 7 - 10 years | Yearly, bi-annually, quarterly, monthly |
| HDFC Life Super Income Plan | 30 days - 59 years | 75 years | 15 - 27 years | 5 - 12 years | Annual, bi-annual, quarterly, monthly |
| HDFC Life Sampoorn Samridhi Plus | 30 days - 60 years | 75 years | 15 - 40 years | (Policy term - 5) years | Annual, monhtly, quarterly, and bi-annually |
| HDFC Life Uday | 18 - 55 years | 70 years | 12 - 15 years | 8 - 10 years | Annual, half-yearly, quarterly, and monthly |
| HDFC Life Pragati | 8 - 55 years | 65 years | 5 - 20 years | 5 - 10 years | Annual, bi-annual, quarterly, monthly |
| HDFC Life Smart Income Plan | 4 - 60 years | 97 years | 19 - 37 years | 6 - 12 years | Annual, half-yearly, monthly |
| HDFC Life Assured Gain Plus | 3 - 65 years | 80 years | 10, 12, or 15 years | 5 years | Annual, bi-annual, or monthly |
| HDFC Life Star Saver | 3 - 60 years | 75 years | 10, 12, or 15 years | 5 years | Annual, bi-annual, or monthly |
| HDFC Life Guaranteed Wealth Plus | 3 - 60 years | 101 years | 12 - 41 years | 6, 8, 10 years | Annual, bi-annual and monthly |
| HDFC Life New Creating Life Insurance Plans | 18 - 45 years | 60 years | 10 - 20 years | 5, 8, 10 years | Monthly or annually |
| HDFC Life Sampoorna Jeevan | 3 - 60 years | 100 years | (100 - entry age) years | 6 - 15 years | Annual, half-yearly, monthly |
| HDFC Life Secured Income Insurance RP | 0 - 55 years | 70 years | 15 - 25 years | Regular policy term | Annual or monthly |
| HDFC Life Income Advantage Plan | 3 - 55 years | 80 years | 16, 24, 30 years | 8, 12, 15 years | Annual, monthly, half-yearly |
| HDFC Life My Assured Income Plan | 2 - 60 years | - | 10/16 years | 5/8 years | Annual, half-yearly, monthly |
| HDFC Life Saral Bachat | 8 - 50 years | 65 years | 6 - 20 years | 6/8/10 years | Annual, half-yearly, monthly |
| HDFC Life Secured Income Insurance Plus | 0 - 50 years | 70 years | 10 - 20 years | 5/8/10 years | Annual or monthly |
| HDFC Life New Fulfilling Life | 15 - 50 years | 85 years | (85 - entry age) years | 12/16/20/24 years | Annual or monthly |
Get juvenile critical illness cover for your kids
Opt for optional riders for enhanced protection
You get the feature of accruing benefits and taking it as lump sum when needed
Feature to offset premiums against survival benefit payout
Receive tax saving benefits as per prevailing tax laws
Get guaranteed income till 99 years with the Life long income option
Choose to receive guaranteed benefits as a lump sum or regular income
Receive income for a fixed term of 25 to 30 years
Enhance base plan with critical illness plus rider and Income Benefit on Accidental Disability Rider
Get tax benefits under sections 80C and 10(10D) of the IT Act
Choose between single or joint life cover
Select a policy term up to 40 years
Flexibility of premium payment with single, regular, or limited term
Get enhanced maturity benefit on higher premium rates
Include riders in the base plan for enhanced protection
Get life cover up to 100 years of age
Choose from immediate or deferred annuity options
Receive cash bonuses at the end of each policy year 1st year onwards
Select sum assured on maturity as per requirements with a minimum sum assured Rs. 3 Lacs
Get survival benefits and terminal bonuses as declared by the company
Get a guaranteed income of 11% to 13% yearly
Receive a guaranteed lump sum amount on maturity
Guaranteed regular income with tax benefits u/s 80C and 10(10D) of the IT Act
Receive full guaranteed death benefit even during the income payout period
Get full life coverage till 99 years of age
Choose to receive maturity as a lump sum or regular income
The available income payout modes are annual and monthly
Get life cover for the full policy term
Choose from a policy term of 5 to 20 years
Pay premiums for a limited term of 5 to 11 years to receive the guaranteed sum assured on maturity
Pay the premiums for a limited term of 7 to 10 years
Get policy coverage throughout the policy term
Receive guaranteed revisionary bonuses throughout the premium payment term
Include income benefit on accidental disability and critical illness plus rider to the base insurance policy
You can avail of policy loan during financial emergencies
Receive regular income for a period of 8 to 15 years under limited pay options
Receive regular income after the end of 2nd policy year under a single pay option
Choose your preferred premium payment and policy term as per your suitability
Receive revisionary bonuses and terminal bonuses as declared by the company
Get policy coverage throughout the insurance policy tenure
Get guaranteed additions for 3-5% every year for the first 5 years
Receive declared bonuses which increase the value of the insurance policy
Choose from the two [plan options: endowment or endowment with whole life
Additional benefit will be paid on death due to accident
Get life cover for whole life i.e., till 100 years of age
Choose from multiple policy and premium payment term options
You will receive bonuses declared at the end of each policy year
The family will receive a financial benefit in case of death due to an accident
Receive guaranteed additions of 3% during the first 5 policy years
Your death benefit will continue for a year when Guaranteed Surrender Value is acquired even if you miss a premium payment
Get guaranteed returns on maturity or death
The policy value increases with the bonuses declared by the company
If premium payment is missed, the policy will pay full death benefit for 2 years after the first unpaid premium date
Choose a premium payment and policy term as per your needs
The plan is available at affordable premium rates
Choose from 2 death benefit options: Enhanced Maturity and Enhanced Income
Select the most suitable premium and policy term combination
Receive bonuses as declared by the company
Get guaranteed income benefit payable at the end of policy term
Get tax benefits as per the prevailing tax laws
Get policy cover for the entire policy term by paying premiums for a limited 5-year premium payment term
Get guaranteed sum assured on the maturity of the insurance policy
Receive terminal bonus and revisionary bonuses as declared by the company
Include any of the 3 riders to increase the coverage of the base plan
Pay the premiums on annual, semi-annual, or monthly basis
Receive maturity benefits along with loyalty benefits
Pay the premiums for a limited premium payment term of 5 years
Pay your premiums on an annual, bi-annual, or monthly basis
Get guaranteed additions accrued at the end of each policy year
Get tax benefits u/s 80C and 10(10D) of the IT Act
Get guaranteed benefits on survival with income variant
Choose to receive guaranteed benefits as regular income or lump sum
Pay for a limited term and get insurance coverage for your whole life
Pay the premiums on annual, semi-annual, or monthly basis
Get tax benefits as per the IT Act of 1961
Choose death benefit to be paid as a lump sum or regular income
Waiver of premium option will waive off all the remaining premiums in the event of your unfortunate death
Receive tax benefits on premiums paid and the benefits received as per the prevailing tax laws
Get comprehensive coverage with 4 add-on riders
Get discounts on high premium payments
Receive simple revisionary bonuses and cash bonuses as declared by the company
Get a terminal bonus on the maturity of the policy
Get life cover for the whole life by paying premiums for a limited term
Choose from 4 guaranteed benefits options
Get death, survival, and maturity benefits under the plan as applicable
Get death benefits with family income payout option
Receive terminal bonus and vested bonuses as declared by the company
Include any of the 4 riders to increase the plan coverage
Get loans for financial emergencies
Receive tax benefits as per the prevailing tax laws
Get simple revisionary bonuses and terminal bonuses as applicable
Include any of the 4 riders to enhance coverage
Pay premiums for a limited term and receive coverage for the whole insurance policy
Choose premium and policy term as per your needs
Get tax benefits as per the prevailing tax laws
Choose from 3 income benefit payouts
Receive terminal bonuses at the end of the policy term
Enhance coverage by including riders to the base plan
Pay for a limited period and receive policy coverage for the whole policy term
Get tax benefits as per the prevailing tax laws
Choose if you want maturity benefit as lump sum or regular income
Receive sum assured on maturity at the end of the policy term
The premiums can be paid on a monthly, half-yearly, or annual basis
Get tax benefits under sections 80C and 10(10D) of the IT Act
Choose from 3 policy term variants
Get death benefit with the family income payout option
Choose the premium payment term as your preference
Select the death benefit payout options
Get vested and terminal bonuses as declared by the company
Receive tax benefits as applicable under IT Act of 1961
Receive periodic survival benefits as per your selections
Get revisionary bonuses and terminal benefits as declared by the company
Receive enhanced cover with add-on riders
Flexibility to apply for a loan in financial emergencies
Get discounts on high premiums
HDFC Life ULIP plans are designed to create wealth and provide long-term protection. These plans invest part of the premium amount in the market, and the remaining part is used to provide insurance against eventualities. You can choose the funds you want to invest in and get returns based on your risk appetite.
| Life Insurance Policy | Age of Entry | Maturity Age | Fund Options | Policy Tenure | Mode of Premium Payment |
| HDFC Life Sampoorna Nivesh | 0 - 65 years | 85 years | 10 | 10 - (85 - entry age) years | Annual, half-yearly, quarterly, and monthly |
| HDFC Life ProGrowth Plus | 30 days - 65 years | 75 years | 10 | 10 - 30 years | Annual, half-yearly, monthly, quarterly |
| HDFC Life Click 2 Wealth | 30 days - 65 years | 75/99 years | 11 | 10 - (99 - entry age) years | Annual, half-yearly, quarterly, and monthly |
| HDFC Life Click2Invest ULIP | 30 days - 65 years | 75 years | 11 | 5 - 40 years | Annual, half-yearly, monthly, and quarterly |
| HDFC SL ProGrowth Super II | 14 - 65 years | 75 years | 10 | 10 - 30 years | Monthly, Quarterly, Half-yearly, Annual only |
| HDFC SL Crest | 14 - 55 years | 65 years | 10 | 10 years | Annual only |
| HDFC SL ProGrowth Flexi | 14 - 65 years | 75 years | 10 | 10 - 30 years | Annual, semi-annual, and monthly |
| HDFC Life Smart Woman Plan | 18 - 50 years | 60 years | 4 | 10/15 years | Annual only |
| HDFC Life Classic One | 0 - 40 years | 50 years | 11 | 10 - ( 50 - entry age) years | Single premium |
| HDFC Life Capital Shield | 8 - 60 years | 70 years | 2 | 10 years | Annual, semi-annual, quarterly, and monthly |
| HDFC Life Wealth Builder | 8/13 - 65 years | 75 years | 8 | 5/10 years | Single premium |
| HDFC Life Wealth Elite | 0 - 65 years | 75 years | 8 | 10 - 20 years | Annual, semi-annual, or monthly |
| HDFC Life Wealth Maxima | 0 - 65 years | 75 years | 6 | 10/15 - 20 years | Annual, half-yearly, monthly |
The plan offers loyalty additions to enhance your fund value
Pay the premiums for a limited, regular, or single premium payment term
Choose from 3 benefit options to suit your needs
Select from 10 fund options as per your risk appetite
Option to include accidental death benefit to enhance coverage
Choose from 2 plan options as per your requirements
Enhance base coverage by adding income benefit on accidental disability rider and critical illness plus rider
Choose from over 10 fund options to fit your risk appetite
Switch and redirect premiums easily as per your needs
Change premium payment frequency anytime you want
The plan offers a 1% annualized premium as special additions to the fund value for the first 5 years
Select the most suitable option from 3 plan options
Unlimited switching between 11 fund options
Pay premiums in single, limited, or regular premium payment term
Get a return fo mortality charges on the maturity of the life insurance policy
Pay premiums in a single pay, 5, 7, 10, years or regular pay
Choose from 11 fund options as per your risk appetite
Receive tax benefits as per the prevailing tax laws
Include critical illness plus rider and income benefit on accidental disability rider to enhance coverage
The first 4 premium redirections in each policy year are free of cost
Provides financial protection to your family against any eventuality
Choose from 8 different plan options as per your needs
Customise the combination of funds from 10 fund options
Switch between funds anytime as per your preference
The minimum and maximum term are 10 and 30 respectively
Pay premiums for a limited term of 5 years
Select from over 10 fund options
The premium can only be paid on an annual basis
The minimum premium payable under the plan is Rs. 50, 000
Include critical illness plus benefit rider and income benefit in accidental disability rider for enhanced coverage
Enhance base plan with the income benefit on accidental disability rider and critical illness plus rider
Choose from over 10 fund options
Select from 2 benefit options: life option or extra life option
Switch and redirect premiums anytime you want
Change premium payment term as per your needs
Choose from 3 benefit options as per your requirements
Receive enhanced allocation rate 11th year onwards
The plan pays additional periodic cash under premier and elite options
Waiver of charges on withdrawal or switch for female customers for 1 year after childbirth
Choose from 4 fund options to suit your risk appetite
Receive loyalty additions as extra units at the 10th policy year
Choose from 11 fund options as per your needs
Avail of tax benefits as per the prevailing tax laws
Get life cover for single or joint life
Unlimited free switches allowed throughout the policy term
Pay the premiums either in a single or limited period of 5 years
Assured maturity benefit protects your investments from market risks
The policy term is fixed at 10 years
Select your premium to be invested in either capital growth fund or capital secure fund
Get loyalty additions to boost your fund value
The plan can be purchased with a single pay only
Choose from 8 market funds available in the plan
Get a return of mortality charges on the maturity of 10-year policy term
You get the option to add top-up on your premium amount
Recevie liquidity with the plan’s partial withdrawal for financial emergencies
Receive comprehensive death benefit
Choose from over 8 fund options and invest as per your risk preference
Make partial withdrawals in financial emergencies
Switch between funds and direct funds as per your needs
Receive tax benefits as per the applicable tax laws
Choose from 3 death benefit variants as per your preference
You can switch between variants on either marriage or childbirth
Get loyalty additions at the end of every 5th policy year 10th policy years onwards
Select from 6 suitable fund options
Top up on your premiums for extra savings
HDFC life insurance offers two types of retirement plans: Annuity Plans and Pension Plans. With an annuity plan you can secure a regular income for yourself even after the end of your monthly salary and with pension plans, you can create a corpus for a stress-free retirement.
| Life Insurance Policy | Age of Entry (Min-Max) | Policy Tenure | Premium Payment Term | Mode of Premium Payment |
| HDFC Life Systematic Retirement Plan | 45 - 75 years | Whole life | 5 - 15 years | Annual, quarterly, semi-annual, and monthly |
| HDFC Life Smart Pension Plus | 20 - 100 years | Whole life | 5 - 15 years | Annual, half-yearly, quarterly, and monthly |
| HDFC Life Pension Guaranteed Plan | 30 - 85 years | - | Single pay only | - |
| HDFC Life New Immediate Annuity Plan | 18 - 99 years | - | Single pay only | - |
| HDFC Life Saral Pension | 40 - 80 years | Whole life | Single pay only | - |
| HDFC Life Systematic Pension Plan | 18 - 75 years | 5 - 40 years | Regular Policy Term | Annual, semi-annual, quarterly, monthly |
| HDFC Life Guaranteed Pension Plan | 18 - 70 years | 8 - 40 years | 5 - 12 years | Monthly, annually, quarterly, and bi-annually |
| HDFC Life Click 2 Retire | 18 - 65 years | 10 - 35 years | 8 - 15 years | Half-yearly, quarterly, monthly, and annually |
| HDFC Life Assured Pension Plan | 18 - 65 years | 10 - 35 years | 8 - 15 years | Half-yearly, quarterly, monthly, and annually |
| HDFC Life Personal Pension Plus | 18 - 65 years | 10 - 40 years | Regular policy term | Half-yearly, quarterly, monthly, and annually |
| HDFC Life Smart Pension Plan | 25 - 70 years | 5 - 55 years | 5 - 30 years | Yearly, half-yearly, monthly |
Choose the deferment period to defer annuities as per your needs
Option to return total premiums paid on the death of the policyholder
Choose to receive the annuities on a monthly, quarterly, semi-annual, or annual basis
Pay premiums for a limited term and receive annuities for whole life
Get tax benefits as per the prevailing tax laws
Choose from 4 annuity options
Defer annuity payouts by choosing deferment period or get annuities right away with the immediate annuity
Receive regular annuities on a monthly, quarterly, semi-annual, or annual basis
Buy the plan for a single or joint life plan
Receive guaranteed income for whole life by paying premiums for a limited tenure
Choose any of the 3 annuity options immediate life annuity, immediate life annuity with return of purchase price, and deferred life annuity with return of purchase price
The plan can only be purchased in a single pay option
Select if you want to receive the annuities on a monthly, quarterly, semi-annually, or annually
You can increase your annuity payout with the top-up option
You can purchase the plan on a single life or joint life basis
The plan offers single and joint life annuity options
Receive return of purchase price on death or critical illness
Choose from over 7 single life and 4 joint-life annuity options
Receive annuities on a monthly, quarterly, bi-annual, or annual basis
Receive guaranteed income for whole life by purchasing the plan once
You can purchase the plan for single life or joint life
Choose to receive the return of purchase price on death
Receive guaranteed income for life
Receive surrender value on the diagnosis of critical illness
Select the annuity payout frequency from monthly, quarterly, annually, or bi-annually
Pay your premiums in a single, regular, or limited premium payment term
Choose from an insurance policy term of 5 to 40 years
Enhance protection by adding riders to the base plan
Reecive participating profits and bonuses declared by the company
Receive tax benefits as per the prevailing tax laws
Receive guaranteed additions of 3% of the vesting sum assured accrued at the end of each policy year
A lump sum vesting addition payable at vesting
Choose to pay the premiums for 5 to 12 years
Receive guaranteed death benefit equal to total premiums paid accumulated at 6% per annum
Get tax benefits as per the prevailing tax laws of the IT Act
The plan can only be bought online
You can purchase the plan for limited or single pay options
The plan charges no entry, exit, or administrative charges
Protect your retirement with assured vesting age
Select the suitable vesting period from 45 to 75 years
The plan secures your post-retirement life with assured vesting benefit
Get loyalty additions every alternate year 11th year onwards
Pay the premiums for a limited or single pay period
The family will be paid death benefit on the death of the life assured during the policy term
Choose a policy term from 10 to 35 years as per your suitability
Flexibility to choose your policy term from 10 to 40 years
Pay the premiums for the entire policy term on an annual, half-yearly, quarterly, or monthly basis
Receive participating profits and revisionary bonuses as declared by the company
Receive terminal bonuses declared by the company at the end of the policy term
Get assured benefit paid on the death or at vesting
Receive loyalty additions 10th policy year onwards
Choose a vesting age from 45 to 80 years
Choose from 3 fund options to receive benefits as per your risk appetite
Pay the premiums on a yearly, half-yearly, or monthly basis
HDFC Life Insurance offers child insurance plans for those who want to secure their child’s future. These plans offer a financial benefit in case of your unfortunate death. The payout from these plans can be used to pay for the child’s higher education and marriage.
| Life Insurance Plan | Age of Entry (Min-Max) | Age of Maturity Age (Min-Max) | Policy Tenure (Min-Max) | Mode of Premium Payment |
| HDFC SL YoungStar Super Premium | 18 - 65 years | 75 years | 10 - 20 years | Annual only |
| HDFC Life YoungStar Udaan | 30 days - 60 years | 75 years | 15 - 25 years | Monthly, quarterly, semi-annually and annually |
Choose the most suitable benefit payment preference
Select or combine the 4 fund options as per your risk appetite
Annual payments to your family in the event of your unfortunate demise
Switch and redirect premiums as per your needs
Choose from 2 Benefit Payment Preference options: Save Benefit or Save-n-Gain Benefit
Choose from 3 benefit options to fit your needs
Guaranteed additions accrued for the first 5 policy years will be payable at maturity of the policy
Get cover for the whole policy term by paying premiums for a limited tenure
Under Classic Waiver Option all the future premiums will be waived off
Get tax benefits as per the prevailing tax laws
The following table represents the HDFC Life claim settlement ratio trend for the past 7 years
| Financial Year | Claim Settlement Ratio (CSR) |
| 2019-20 | 99.07% |
| 2020-21 | 98.01% |
| 2021-22 | 98.66% |
| 2022-23 | 99.39% |
| 2023-24 | 99.50% |
Here is how you can buy HDFC life insurance online in India:
Step 1: Visit the life insurance page
Step 2:Select the type of life insurance you want to buy
Step 3:Fill in the required details like name, gender, date of birth, and mobile number
Step 4:Choose the right occupation type, educational qualification, smoking habits, and annual income
Step 5: Select the suitable policy and proceed to pay
Government-approved identity proofs:Aadhar card, PAN card, passport, voter ID, driving license, etc.
Address proof: PAN card, Adhaar card, driving license, voter ID, passport, etc
Proof of income: Salary income, ITR/Form 16, bank statement, audited company accounts of last 3 years, CA certificate, rent receipts, mandi receipts, indian/foreign bank statements
KYC documents: Insurance policy contracts with companies, insurance contracts with partnership firms, insurance contracts with trusts and foundations, insurance contracts with HUFs
You can pay HDFC Life Insurance premiums through several methods:
Online Payment:
Visit the HDFC Life website or use the HDFC Life mobile app.
Log in to your account and navigate to the premium payment section.
Choose your payment method (credit/debit card, net banking, UPI).
Auto-Debit:
Set up an auto-debit facility through your bank for hassle-free payments.
Offline Payment:
Visit the nearest HDFC Life branch to pay in person.
Submit a cheque or demand draft at the branch.
Payment through Agents:
You can also pay premiums through your insurance agent.
Mobile Wallets:
Use popular mobile wallet services that are accepted for insurance premium payments.
Here is how HDFC life insurance settles the claims
Claim Initiation:The nominee needs to initiate the claim with HDFC life insurance company as soon as the policyholder passes away. They need to attach all the required documents and submit the duly filled claim form to the insurer.
Claim Verification: The insurer will verify the claim and the details in mentioned within the claim form.
Claim Settlement:On successful verification, hte insurer will disburse the claim amount in the nominee’s bank account.
| Type of Death Claim | Documents Required |
| Natural Death |
|
| Unnatural Death |
|
| Death due to Natural Calamities / Disasters |
|
| Claims due to Critical Illnesses |
|
For General Inquiries:
Call 022-68446530 (Call Charges Apply)
Hours: Mon to Sat, 10 am to 7 pm IST
For NRI Support:
Call +91-89166 94100 (Call Charges Apply)
Hours: Mon to Sat, 10 am to 9 pm IST
To Buy a Policy:
Call 1800-266-9777 (Toll-Free)
Hours: All days, 9 am to 11 pm IST
For Chat Support:
You can chat with Elle, available 24/7 for immediate responses to your policy-related queries.
Get quick access to policy details.
Receive answers to over 200 policy-related queries.
Enjoy fast and secure support in 9 languages.
As of recent updates, HDFC Life Insurance Company Ltd has shown significant stock market performance, reflecting strong investor interest.
As of 23rd September, the HDFC Life Insurance share price stands at ₹726.70.
The Aadhaar Card number can also be updated by visiting the nearest branch of HDFC Life.
You need to inform the insurer about the policyholder's death and fill out the claims form. Do not forget to check the document list that should be submitted on the company's website according to the type of claim. Send all the required documents to the HDFC Life Insurance Company as soon as possible for faster claim settlement.
The insurer will take time to process the claim and verify the details provided by the nominee. A company representative will guide you through the required documents for processing the claim.
After the HDFC life insurance claim is verified, it will be settled. The company generally processes all claims within 24 hours for most policies that are more than three years old.
You can inform the HDFC Life company regarding the claim by emailing on the below email address:
service@hdfclife[dot]com
Ans: You can get your HDFC life insurance maturity amount by submitting the required documents of the maturity claims on outliving the policy term. On verification of the proper documentation, the company will settle the claim by transferring the maturity amount to your bank account. You can contact the company for maturity claim settlement in the following ways:
: 022-68446530 (STD charges apply)
: +918916694100 (NRI)
: nriservice@hdfclife[dot]com
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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