HDFC Life Click2 Invest Plan

Introduction/Overview

HDFC Life Click2 Invest is a non-participating Unit Linked plan available
online which gives the dual benefits of wealth maximization and insurance coverage under a single plan

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  • 4.8++ Rated
  • 9.7 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 4.9 Crore Policies Sold

ULIP Plans

  • Plan starting from ₹1,000/month
  • Save upto ₹46,800 in Tax under section 80C^
  • Zero LTCG Tax
  • In built life cover
Top performing plans˜ with High Returns**
Invest ₹10K/month & Get ₹1 Crore# Tax-Free*
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rating
9.7 Crore
Registered Consumer
51
Insurance Partners
4.9 Crore
Policies Sold
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Key Features HDFC Click to Invest

  • It is a unit linked plan with Limited Pay, Single Pay and Regular Pay option
  • The following 8 funds are available for investment
  1. Equity Plus Fund
  2. Diversified Equity Fund
  3. Blue chip Fund
  4. Opportunities Fund
  5. Balanced Fund
  6. Income Fund
  7. Bond Fund
  8. Conservative Fund

Benefits of HDFC Click to Invest

  • The insured will get the total Fund Value on Maturity
  • Maturity Proceeds can be availed in equal instalments post maturity over a period of 5 years through the Settlement Option
  • On death of the policyholder, higher of the Sum Assured or Fund Value or 105% of premiums paid is payable to the nominee
  • Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

Product Specification:

 

Minimum

Maximum

Entry Age (Last Birthday)

0 years

 65 years

Maturity Age (Last Birthday)

18 years

75 years

Policy Term (PT) in years

5

20

Premium Paying Term (PPT) in years

5

20

Premium Paying Frequency

Yearly, half-yearly, monthly or Single

Yearly Premium

12,000

No limit

Sum Assured

Limited & Regular Pay –10*annual premium for ages<=55 yrs. or 7*annual premium for ages>45 yrs.

Single Pay – 1.25*SP

People also read: HDFC Nifty 200 alpha 30 fund nfo

Details About Premium

Illustration for a policy term and PPT of 10 years:

Age

30 years

40 years

Premium

50,000

50,000

Sum Assured

500,000

500,000

Fund Value @ 4%

568,868

565,709

Fund Value @ 8%

709,694

706,184

 

Policy Details

Grace period: 15 days grace period is allowed for monthly mode and 30 days for other modes

Policy termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 5 completed years. If surrendered before 5 years, the fund value net of discontinuation charge will be credited to the Discontinued Policy Fund where it will earn a minimum of 4% p.a. growth. After completion of 5 years, the fund value in the Discontinued Policy fund as on that date will be paid to the policyholder. If surrendered after 5 completed policy years, the entire Fund value on the date of surrender is paid without any charges

Free look period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

People Also Read: HDFC Life Flexi Cap Fund

Inclusions

  • 4 Free Partial withdrawals are allowed every year
  • 4 Free switches are allowed every year for switching between funds
  • Future premiums can be redirected to a new fund via the Premium Redirection option of which 4 redirections are free of cost

Exclusions

  • The benefit paid in case of suicide within 12 months of policy inception or revival is the fund value as on that date.

HDFC Click to Invest - Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ online with accurate medical history.

You May also Like: HDFC Life ProGrowth Plus ULIP Plan

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Ulip Insurer2
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 1249 Reviews)

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HDFC Life ULIP Plans Reviews & Ratings

4.6 / 5 (Based on 1249 Reviews)
(Showing Newest 10 reviews)
Amit
Guwahati, March 26, 2025
Reliable and Safe Investment
Policybazaar is reliable for investment. HDFC Life Dynamic Advantage Fund performs well and is safe for long term.
Raghavan
Ranchi, March 25, 2025
Easy and Helpful Investment Process
Policybazaar made it easy to invest in HDFC Life Dynamic Advantage Fund NFO. Simple process helpful customer service very happy.
Priya
Coimbatore, March 21, 2025
Quick and Secure Investment
Simple quick and secure way to invest in HDFC Life NFOs. Policybazaar makes everything clear and support is excellent.
Meenal
Kochi, March 21, 2025
Stable Steady Returns
I like this fund. Returns are stable but not fast. Best for people who want slow and steady growth in their portfolio.
Venkatesh
Hyderabad, March 19, 2025
Simple and Transparent Process
I found HDFC Life NFOs through Policybazaars platform. Very good process easy to understand and no hidden charges. Satisfied.
Manisha
Bangalore, March 17, 2025
Good for Long term Growth
Best for long term goals. HDFC Life Advantage Fund NFO gives a good growth chance.
Karthik
Chennai, March 17, 2025
Balanced Long term Investment
I invested in HDFC Life Dynamic Advantage Fund. Its balanced but sometimes market changes give negative returns. Better for long term.
Shalini
Bhopal, March 16, 2025
Great Platform for Investment
Policybazaar helped me choose HDFC Life Dynamic Advantage Fund NFO. Great platform for easy investments and the process was simple.
Satyendra
Jodhpur, March 16, 2025
Hassle Free Investment Process
Investing HDFC Life NFOs through Policybazaar is very good. Simple to follow no hassle and good advice from experts.
Priyanka
Indore, March 15, 2025
Flexi Cap Fund
This fund is flexi cap. I like how it adapts to market. Returns are ok but need patience for better growth.
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