The Housing Development Finance Corporation Limited (HDFC) is one of the first financial institutions in India to obtain principle approval from the Reserve Bank of India (RBI). HDFC is a private sector bank that provides a wide range of business services such as wholesale banking, treasury, and retail banking.
HDFC Life Insurance offers traditional endowment plans, market returns, Unit Linked Insurance Plans (ULIP), pension plans, health, critical illness covers, children’s future, and more. The insurance policies also offer optional add-ons such as death benefits, accident benefits, critical benefits, and more. The policies at HDFC offer flexibility in policy terms, benefits, and premiums.
Documents required for HDFC Life Insurance
- Address proof
- Income proof
- Bank account proof
- Age proof
- Photo identity proof
- Passport size photograph
Uses of HDFC Life Insurance
- Financial security
- Wealth creation
- Disciplined investment
- Tax savings
- Retirement plans
Types of HDFC Life Insurance
Protect Life (Term) Insurance
The insurance provides financial stability to your family through comprehensive protection plans. The insurance offers a wide range of products based on your requirements, life stage, and investment income.
Plans:
- HDFC Life Click 2 Protect 3D Plus
The HDFC Life Click 2 Protect 3D Plus gives nine options: Life Option, Extra Life Option, Income Option, Life Long Protection Option, Extra Life Income Option, 3D Life Option, Replacement Option, Return of Premium Option, and 3D Life Long Protection Option. You can increase your cover for milestones such as marriage, childbirth, etc.
- HDFC Life Click 2 Protect Plus
The plan safeguards you against nineteen critical illnesses. The HDFC Life Click 2 Protect Plus helps to increase the cover at different milestones. It also helps to receive monthly income for financial stability.
- HDFC Life Cancer Care
The HDFC Life Cancer Care provides the customers with three plan options. The plan covers from diagnosis of early stage and major cancer. You can avail between Rs 10 to 40 lakhs based on your requirements. You can enjoy the premium discount for a sum insured above ten lakhs.
- HDFC Life Cardiac Care
The HDFC Life Cardiac Care is a comprehensive plan that covers a comprehensive list of cardiac conditions. The customers can select Indexation benefit and Hospitalisation benefit to avail of a lump sum.
- HDFC Life Click 2 Protect Health
The HDFC Life Click 2 Protect Health provides financial protection to you and your loved ones at an affordable cost. The customers can design the plan with the nine options available. You also obtain an extra health cover in this plan.
| Plan | Sum assured | Policy term |
| HDFC Life Click 2 Protect 3D Plus | Rs.10 lakh | Whole life |
| HDFC Life Click 2 Protect Plus | Rs.25 lakh | 10 to 40 years |
| HDFC Life Click 2 Protect Health | Rs.10 lakh | Whole life |
Secure Children’s Future
HDFC’s Secure Children’s Future Plan safeguards your family. The insurance offers a wide range of products based on your requirements, life stage, and investment income.
Plans:
- HDFC Life Youngstar Udaan
The HDFC Life Youngstar Udaan helps to choose maturity benefit options such as aspiration, academia, career and death. The plan also covers the significant milestones in your child’s life. You can avail the opportunity to receive survival benefits in the form of a lump sum or monthly instalments.
- HDFC SL YoungStar Super Premium
The HDFC SL YoungStar Super Premium has two life options – Life Options and Life or Health Option. You can pick one from the available four funds. They all have different equity and debt exposure. You can also select a policy term of 10 or 15 to 20 years according to your needs.
| Plan | Sum assured | Policy term |
| HDFCLife Youngstar Udaan | No limit | 15 years to 25 years |
| HDFCSL YoungStar Super Premium | Minimum sum assured: 10 x annualised premium if age of the individual is less than 45 years; and 7 x annualised premium if the age is 45 years or above.
Maximum sum assured: 40 x annualised premium |
Minimum of 10 years and maximum of 20 years |
Protect Life and Grow Wealth
This insurance plans your financial growth with a wide range of cover options. The insurance offers a wide range of products based on your requirements, life stage, and investment income.
Plans:
- HDFC Life Sanchay Par Advantage
The HDFC Life Sanchay Par Advantage Plan covers your life protection for up to 100 years. You can choose between Immediate Income and Deferred Income options. The customers also have the flexibility to choose a survival benefit payout date.
- HDFC Life Sanchay Plus
The HDFC Life Sanchay Plus plan has a long-term income option.
- HDFC Life ProGrowth Plus
The HDFC Life ProGrowth Plus plan is financial protection for you and your family. It is a valuable investment opportunity that provides a variety of selected funds. You can also benefit from the partial withdrawal in case of any financial emergencies.
- HDFC Life Sanchay
The HDFC Life Sanchay plan provides a limited premium paying term of five to ten years. You also have the flexibility to choose between 15 to 25 years. The plan gives you the ultimate financial protection against unfortunate demise throughout the policy term. You can also avail the maturity benefit of 180 to 460 per cent of the assured sum.
- HDFC SL ProGrowth Super II
The HDFC SL ProGrowth Super II Plan is a Unit Linked Insurance that provides your family financial security. The plan also covers other benefits like critical illness, accidental death and permanent disability. The plan consists of eight varieties of options, and you can customise it as per your needs.
- HDFC SL ProGrowth Flexi
The HDFC SL ProGrowth Flexi Plan gives a secure financial future for your loved ones. You can also avail the savings cum insurance in this plan. There are nearly two plan options, and you can choose the accidental death benefit. The customers also have the flexibility to choose the premium payment term.
- HDFC Life ClassicAssure Plus
The HDFC Life ClassicAssure Plus Plan is high protection for your loved ones. You get the option to pay a premium for a limited payment term. The customer can also avail of the five per cent discount on basic premium policies with a sum assured of ten lakhs and above.
- HDFC Life Click 2 Invest – ULIP
The HDFC Life Click 2 Invest Plan offers eight fund options to choose from as per your needs. You have the flexibility to select your policy from five to twenty years. You can also receive your fund value till the end of the policy term.
- HDFC Life Super Income Plan
The HDFC Life Super Income Plan is a regular income plan with guaranteed benefits and bonuses. It is a standard income plan with a payout period of eight to fifteen years. There are six plan options of premium payment and policy terms.
- HDFC Life SL Crest
The HDFC Life SL Crest helps you to achieve your investment goals by providing financial protection to you and your family. You can invest in the plan for a limited term of five years and avail of the cover for ten years. The plan also fulfils the Short Medical Questionnaire.
- HDFC Life Sampoorn Nivesh
The HDFC Life Sampoorn Nivesh plan has premium payment options such as Single, Regular and Limited. You can choose the investment term from 10, 15 to 25 years.
- HDFC Life Click 2 Wealth
The HDFC Life Click 2 Wealth offers minimal charges toward your life cover. You can also avail the unique addition of 101 percent of the premium for the first five years.
- HDFC Life Classic One
The HDFC Life Classic One Plan gives you two options: Single Life and Joint Life Coverage Variant.
- HDFC Life Sampoorn Samridhi Plus Plan
The HDFC Life Sampoorn Samridhi Plus Plan offers a limited premium endowment plan with coverage for up to a hundred years. The fixed premium payment term is less than five years in this plan. The customers also have the flexibility to choose a policy term from 15 to 40 years.
- HDFC Life Capital Shield
The HDFC Life Capital Shield plan safeguards you from market risks. It gives an investment with an assured maturity benefit of 101 per cent of total premiums. You can pay premiums only once or for a limited period of five years. You can also avail yourself of the loyal additions at the end of the sixth policy year to boost the money value.
- HDFC SL ProGrowth Flexi
The HDFC SL ProGrowth Flexi Plan helps to secure the future of your loved ones with the help of a savings cums insurance unit. The plan provides you with two options and the flexibility to change your premium payment term.
| Plan | Sum assured | Policy term |
| HDFC Life Capital Shield | Single premium:
Limited premium:
|
10 years |
| HDFC SL ProGrowth Super II |
|
|
| HDFC Life ProGrowth Plus |
|
10 to 30 years |
| HDFC SL ProGrowth Flexi |
|
10 to 30 years |
| HDFC Life Sampoorn Nivesh | Single premium:
Regular and limited premium:
|
10/15/25 years |
| HDFC Life Super Income Plan | Rs.1.28 lakh |
|
| HDFC Life Classic One |
|
10 years to 90 minus the entry age . |
| HDFC Life Click 2 Invest ULIP |
|
5 to 20 years |
Protect Life and plan for retirement
The insurance is tailor-made for retired people. It plans your financial growth with a wide range of cover options. The insurance offers a wide range of products based on your requirements, life stage, and investment income.
Plans:
- HDFC Life Pension Guaranteed Plan
The HDFC Life Pension Guaranteed Plan allows you to plan on a single or joint life. The plan offers an option of returning the purchase price on death. You can also receive the immediate or deferred annuity.
- HDFC Life New Immediate Annuity Plan
The HDFC Life New Immediate Annuity Plan offers a wide range of annuity options and an option to receive a hundred per cent purchase price on critical illness.
- HDFC Life Personal Pension Plus
You can enjoy a lifelong guaranteed income after retirement with the HDFC Life Personal Pension Plus plan. The plan takes up to one-third of the benefit—the investment horizon of ten to forty years.
- HDFC Life Guaranteed Pension Plan
The HDFC Life Guaranteed Pension Plan gives you a premium payment term of five, seven to ten years. The plan’s policy term ranges from ten to twenty years.
| Plan | Sum assured | Policy term |
| HDFC Life Pension Guaranteed Plan |
|
Varies depending on the annuity option chosen |
| HDFC Life New Immediate Annuity Plan | Varies based on the annuity option chosen | Varies based on the annuity option chosen |
| HDFC Life Personal Pension Plus | Rs. 2.04 lakh | 10 years to 40 years |
| HDFC Life Guaranteed Pension Plan | Rs. 24,000 | 10 years to 20 years |
See also: Knowledge about IFSC code of HDFC bank
HDFC Life plans for women
The HDFC Life Insurance caters to the financial needs of women at different stages of their life.
- HDFC Smart Woman Plan
The HDFC Smart Woman Plan is a unique insurance cum investment plan for women. The plan provides comprehensive coverage options against pregnancy complications, congenital conditions, malignant female-specific cancers or death of the spouse. It offers three options, and an additional periodic cash option is available under premier and elite plans.
| Plan | Sum assured | Insurance policy term |
| HDFC Life Smart Woman Plus | Minimum: 10 x annualised premium if the person is less than 45 years of age.
7 x annualised premium if the person is 45 years or above Maximum – 40 x annualised premium |
10 years / 15 years |
Procedure to claim insurance with HDFC Life Insurance Plan
- You need to write a letter to the company intimating about the claim.
- After receiving the letter, you will receive a list of documents from the company that are required to start the claiming process.
- Read the letter carefully. Arrange all the documents and submit them to the nearest HDFC Life branch along with the claim form.
- The company will review all the documents and let you know if you are eligible for the claim amount.
- The company will begin the claim process if they feel that all the documents are intact. The company will also make the payment to the policyholder.
- The company will let you know the reason if the claim is rejected.
- You can also mail to claims@hdfclife.com if you need any assistance regarding the claim.
Documents required to claim HDFC Life Insurance Plan
You need to have the following documents in hand to claim for the HDFC life insurance plan:
In case of natural death
- Original policy document
- Death claim form (including NEFT)
- Death certificate (issued by the Government)
- NEFT account details
- Identity proof
- Address proof
- Medical records of the life assured (time of death)
- Annuity claim documentation
In the case of unnatural death
- Original policy document
- Death claim form (including NEFT)
- Death certificate (issued by the Government)
- NEFT account details
- Identity proof
- Address proof
- Medical records of the life assured (time of death)
- Annuity claim documentation
- Post mortem report
- Panchanama and Police Inquest Report (FIR)
In case of death from natural disaster or calamities
- Original Policy Document
- Death Claim Form (including NEFT)
- Death Certificate (issued by the Government)
- NEFT Account Details
- Identity Proof
- Address Proof
- Annuity Claim Documentation
In case of critical illness claim
- Original Policy Document
- Critical Illness Claim Form
- Past Medical Reports (diagnostic reports, hospital records etc.)
- NEFT Account Details
- Identity Proof
- Address Proof
- Annuity Claim Documentation
HDFC Life Claim Settlement Ratio
| Year | Total Premium in Crores | Claim Settlement Ratio |
| 2017 – 2018 | 23,564.41 | 97.80% |
| 2016 – 2017 | 19,445.49 | 97.62% |
| 2015 – 2016 | 16,312.98 | 95.02% |
| 2014 – 2015 | 14,829.9 | 90.50% |
Online procedure to check HDFC standard life insurance policy status
- Visit the official HDFC Life Insurance website.
- Select the ‘Login’ option on the homepage.
- You will find a link in the Login Portal named ‘Customer’.
- You can find links for individual policyholders, group members and NRIs in this link.
- Choose the link that suits your category.
- Enter your client ID, email ID, phone number and password to log in.
- You can choose the OTP as your password.
- After logging in, you can view the status of your HDFC Life Insurance Policy on the screen.
HDFC life premium online payment procedure
- Visit the official HDFC Life Insurance website.
- Select the ‘Pay Premium Online’ option.
- You will be redirected to a new page.
- Enter the details such as your policy number, date of birth, etc.
- Click on the ‘Proceed’ option and choose your payment method.
- Complete the premium payment process.
Benefits of HDFC Life Insurance portal
- The customer can make instant online queries regarding the policies. It saves the time and effort of the policyholders.
- You can keep track of the next premium dues of the insurance.
- The policyholders can claim status without visiting the branch office or contacting customer care.
- HDFC Life Mobile App helps you to search through various online life insurances. You can view the plans, compare the benefits, and track and purchase them.
HDFC Life Insurance contact details
| Contact Number | 1800 202 6161 / 1860 267 6161 |
| Quick solutions to common queries | Connect with EVA |
| Contact Nearest Branch | Find Nearest HDFC Bank Branches & ATMs in India |
| Online Dispute Resolution | Online Dispute Resolution |
| Post | Manager
HDFC Bank Cards Division PO BOX # 8654 Thiruvanmiyur PO Chennai – 600 041 |
Check out: Have information to search bank by IFSC code
FAQs
How can the customers get the premium receipts online?
You can download the premium receipts from ‘My Account’ < E-Service.
What is the login ID of My Account Portal?
You can use your Client ID or registered email address to log in.
How can you activate SMS alerts for your policy details?
You can activate SMS alerts from ‘My Account’.
What is the customer care number for NRIs?
NRIs can dial +91-8916653100.
How can NRIs contact the bank?
NRIs can get in touch by typing an email to nriservice@hdfclife.com.
