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Life Insurance

HDFC Sales brings to you a variety of Life Insurance Plans and Policies provided by HDFC Life to meet your individual insurance needs and requirements. We provide different insurance products for needs like Protection, Savings & Investments, Children’s Education and Marriage, Retirement, Health related and Women specific.

We help you become financially independent so that you can live your life on your own terms.

  • What are
    Term Insurance?
  • How Term Insurance Plan
    from HDFC Life Helps You?
  • Married Women's
    Property Act

Term insurance is a life insurance product offered by an insurance company which offers financial coverage to the policy holder for a specific time period. In case of death of the insured individual during the policy term, the death benefit is paid by the company to the beneficiary. Among life insurance plans, term insurance provides the highest life insurance coverage for the lowest premiums during the period of the plan. In your absence, not only does your family remains financially independent, but also is able to fulfill its future needs like a young child’s higher education.

Term Insurance Plan by HDFC Life provides you with the advantage of large life insurance cover for an affordable premium. Riders covering other risks such as accident are available and can be attached to term plans and provide a much wider protection to your family.

The Married Women's Property Act, 1874 (“MWPA”) was created to secure the assets owned by a woman against her husband, his creditors and relatives. Section 6 of the MWPA covers any insurance policy taken out by a man on his own life in favour of his wife and children. So, if you’re buying a life insurance policy under the MWPA for the benefit of your wife and children, the sum assured will always be their property. It cannot be claimed by your lenders nor will it be considered a part of your business assets (or estate).

HDFC Life Click 2 Protect 3D Plus

A Non-Linked Non-Participating Term Insurance Plan.

UIN: 101N115V04

HDFC Life Click 2 Protect 3D Plus is a term insurance plan that offers comprehensive security at an affordable price. 3D stands for the three uncertainties that we face at some point in time, i.e. Death, Disability and Disease. With this online term policy, ensure that your family is safeguarded financially if an unexpected eventuality occurs. HDFC Life Click 2 Protect 3D Plus offers a wide range of 9 plan options to help one choose as per their need.

Features
  • Provide financial protection to you and your family at an affordable cost.
  • Customize your plan with a choice of 9 plan options.
  • All future premiums are waived on Accidental Total Permanent Disability (available under all options) and on diagnosis of Critical Illness (Available with 3D Life and 3D Life Long Protection options).
  • Protect yourself for whole of life with Life Long Protection& 3D Life Long Protection options
  • Flexibility to choose your policy and premium payment terms.
  • Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals.
  • Flexibility to increase your cover every year through top-up option.
  • Special premium rates for female lives.
  • Attractive premium rates for non-tobacco users.

HDFC Life Click 2 Protect Plus-Health

UIN: 101Y115V02

HDFC Life and Apollo Munich Health Insurance have joined hands to bring you the benefits of health and life insurance in a comprehensive and affordable Click 2 Protect Health so that nothing comes in the way as you and your family lead a life of pride.


Features
  • Ease of Purchase - No need to buy from different insurers.
  • Service touch points in over 600 branches of both insurers.
  • A plan that provides tax benefits1 under section 80C, 80D and 10D of the Income Tax Act, 1961.
  • A customer has to give a single cheque, go for single documentation and single medical test to buy this policy.
  • 5% discount* on combined premium on purchase of Click 2 Protect Health.

Discount of 5% on annual premiums paid towards both Life & Health will be offered where proposals are solicited from sources other than online channel. For proposals solicited from online channel, the discount is 5.5%. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.

1 Subject to provisions as per Income Tax Act, 1961. Tax laws are subject to change.

  • What are
    Investment Plans?
  • Why do you need Savings
    and Investment Plans?
  • How Savings and Investment
    Plans by HDFC Life Help You?

Investment Plans are financial products that provide the opportunity to create wealth for future. Investment plans offer to help individuals in disciplined and periodic investment into different funds overtime so as to achieve their future financial goals.

Savings and Investment Plans help you save regularly and be adequately prepared to meet family’s financial needs in the future. These online investment plans offer various features that help meet your specific financial needs with investments made according to your appetite to take risks.

Our Savings and Investment Plans help you save ample amounts with the help of regular investments after taking into account your specific financial situation and future needs. They also provide protection to your family and ensure all expenses are covered even in your absence.

HDFC Life Classic Assure Plus

A Non-Linked ‘With Profit’ Life Insurance Plan.

UIN: 101N089V04

HDFC Life Classic Assure Plus is an investment cum insurance plan that offers some guaranteed benefits) while letting your money grow. The plan is ideal for meeting long term financial goals as well as creating a financial cushion to secure your family’s future.


Features
  • Limited premium paying terms of 7 or 10 years.
  • Insurance coverage throughout the policy term.
  • Minimum 3% guaranteed1 reversionary bonus during the premium paying term.
  • This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

1Reversionary Bonus is guaranteed during the premium payment term on sum assured, subject to policy being in force and all due premiums being paid.

HDFC Life Sampoorn Samridhi Plus

A Non-Linked, Participating, Savings Insurance Plan.

UIN: 101N102V04

Keep your and your loved ones' happiness well protected with the confidence of HDFC Life Sampoorn Samridhi Plus. The plan comes with 2 key elements of Savings and Protection wherein you receive a lump sum payment at the end of policy term and are covered throughout the policy term with an option to extend it till age 100 years under Endowment with Whole Life Plan option.


Features
  • Limited premium endowment plan with an option to extend life coverage up to 100 years under whole life coverage
  • Guaranteed Additions of 3% p.a. to 5% p.a. of “Sum Assured on Maturity” for first 5 years depending upon the policy term, provided the policy is in force (in addition to declared bonuses2).
  • Limited premium payment term equal to policy term less 5 years.
  • Your policy’s value will increase as we declare bonuses.
  • Additional benefit paid in case of death due to an accident.
  • Tax Benefit1 under Section 80C and Section 10(10D) of Income Tax Act, 1961.

1Tax benefits are subject to change from time to time.

2Bonuses are discretionary (calculated as percentage of Sum Assured on Maturity) and are not guaranteed. Please refer sales brochure for more details.

HDFC Life Uday

A Non-Linked, Participating, Savings Insurance Plan.

UIN: 101N105V03

Saving for your future is important, but what is also important is to protect those savings. HDFC Life Uday helps you do just that with benefits like guaranteed1 additions and bonuses2 while ensuring that your family receives a lump sum benefit in case of your unfortunate death. Save for your future, Protect your family and Sar Utha Ke Jiyo!


Features
  • Multiple term options to suit your needs:
    • Pay premiums for 8 years, enjoy cover for 12 years or 15 years.
    • Pay premiums for 10 years, enjoy cover for 15 years.
  • Guaranteed Additions1 of 3% p.a. during the first five policy years.
  • Bonuses2declared at the end of each financial year.
  • Additional death benefit in case of death due to accident.
  • Once your policy acquires Guaranteed Surrender Value (GSV), your death benefit3 continues for next one year even if you miss a premium payment.
  • Simple issuance process.

1Guaranteed Additions will accrue at the rate of 3% p.a. of Sum Assured on maturity during the first five policy years and are payable at maturity or death, whichever is earlier.

2A simple Reversionary Bonus as a percentage of the 'Sum Assured on Maturity' would be declared at the end of each financial year.

3For more details, please refer the section on “Auto Cover Continuance” in the Sales Brochure.

HDFC SL Crest

A Unit Linked Plan with Life Insurance Coverage.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L064V02

HDFC SL Crest is a unit linked insurance (ULIP) investment plan which helps you to achieve your investment goals in a brief period of 10 years along with financial protection for your family. Pay premiums for only 5 years to get market linked returns after a period of 10 years.


Features
  • Benefit of paying premiums for a limited term. Pay premiums for just 5 years for a policy term of 10 years.
  • Flexibility to choose sum assured multiple between 10*times to 20 times annual premium.
  • Free Asset Allocation: Flexibility to invest in any of the 4 funds available, create your own investment strategy by switching or redirecting future premiums.
  • Tax benefits# under sections 80C and 10(10D) of the Income Tax Act 1961.

In this plan, your premiums (net of charges) will be invested in the fund(s) as per the investment option of your choice. On maturity of the plan, you will receive the fund value as per the investment option selected by you. In case of your unfortunate death during the policy term, your nominee will receive the greater of Sum Assured (less withdrawals1) or fund value.

* Minimum Sum Assured multiple for Age at Entry of 45 years and above is 7 times Annual Premium.

1For more details, please refer the Product brochure.

# Tax benefits are governed by prevailing tax laws and are subject to changes. You are requested to consult your tax advisor.

HDFC Life ProGrowth Plus

A unit linked, Savings Oriented Insurance Plan.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L081V04

HDFC Life ProGrowth Plus is a regular premium unit linked insurance plan that will enable you to enjoy life cover and benefit from comfort of creating your own investment strategies. This ULIP plan will help you to make the most of equities by channelizing your savings effectively.


Features
  • Flexibility to choose from 8 different funds.
  • Flexibility to choose sum assured.
  • Additional benefit in case of death due to an accident.

HDFC SL ProGrowth Super II

A unit linked, Savings Oriented Insurance Plan.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L066V03

HDFC SL ProGrowth Super II is a smart savings-cum-insurance unit linked plan that will help you to provide the finest for your family, be it today or tomorrow. This ULIP aims to help you achieve long term savings.


Features
  • Valuable financial protection to your family.
  • Flexible additional benefit options.
  • Opportunity to invest in 8 different funds.

At the end of the policy term, you will receive the accumulated value of your fund(s).

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

HDFC Life Sampoorn Nivesh

A unit linked Insurance Product with Life Insurance Coverage.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L103V01

You have certain financial goals for your family which may vary as you progress from one life stage to another. Therefore your investments also have to be actively managed to meet those goals and also ensure that you are protecting your family financially.

We understand this and therefore are glad to offer HDFC Life Sampoorn Nivesh, an insurance cum investment plan designed specifically with multiple fund options so as to help you optimize your investment. Furthermore, it also provides you with varied benefit options to meet your protection needs.

Features
  • Flexibility to choose your investment term from 10 to 25 years.1
  • Customize your premium payment options Single, Limited or Regular.
  • Choice of 3 Benefit Options to suit your financial requirements
  • Option of Accidental Death Benefit
  • Loyalty Additions to enhance your fund value after 10 years
  • Reduced premium allocation charge on investing higher premium amount.2
  • Choose from a range of 8 fund options.
  • This plan is available with limited underwriting norms with a Short Medical Questionnaire (SMQ) if the conditions are met. Otherwise, the plan will be offered through full underwriting.

111 to 14 years terms are not available.

2Available for premium of 1 lakh & above for limited & regular premium payment options and 10 lakhs & above for single premium payment option.

HDFC Life Sanchay

A non-linked, non-participating, Life Insurance Plan.

UIN: 101N097V07

Life is full of responsibilities and as a responsible individual you aspire to build a financially secured life for your loved ones. Guaranteed Returns helps you to fulfil your responsibility with ease. Presenting HDFC Life Sanchay, a non-participating Insurance Plan that offers guaranteed benefits along with flexibility to choose your investment horizon.


Features
  • Guaranteed1 benefits payable on maturity provided all due premiums have been paid
  • Guaranteed1 benefits will vary by policy term in a range of 180% to 460% of the Sum Assured on Maturity
  • Premium payment for limited period of 5, 8 and 10 years
  • Flexibility to choose policy terms ranging from 10 years and 15 years to 40 years
  • This plan is available with a Short Medical Questionnaire (SMQ) based underwriting

1Provided the policy is in-force and all due premiums have been paid. On survival, at end of policy term, you will receive lump sum benefit equal to aggregate of Sum Assured on maturity and Accrued Guaranteed Additions. For e.g. If you choose a policy term of 10 years, the guaranteed benefit on maturity will be 180% of Sum Assured. For a policy term of 40 years, the guaranteed benefit on maturity will be 460% of Sum Assured.

HDFC SL Pro Growth Flexi

A Unit Linked, Savings Oriented Insurance Plan.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L072V04

It's prudent to be prepared all the time so that you can meet your life’s goals in a manner that secures your finances. HDFC SL ProGrowth Flexi, a savings-cum-insurance unit-linked plan (ULIP) that enables you to provide financial security to your loved ones.


Features
  • Valuable financial protection to your family in case you are not around.
  • Flexible additional benefit options.
  • Flexibility to choose any sum assured multiple from 10*to 40 of the annual premium.
  • Opportunity to invest in 8 different funds.

* Minimum Sum Assured multiple for Age at Entry of 45 years and above is 7 times Annual Premium.

HDFC Life Super Income Plan

A non-linked, participating, Savings Insurance Plan.

UIN: 101N098V04

A non-linked participating limited pay money back Life Insurance Plan. HDFC Life Super Income Plan has been awarded as the 'Best Product Innovation' at the Indian Insurance Awards, 2014. HDFC Life Super Income Plan is a participating regular money back policy plan in India with guaranteed benefits plus bonuses to plan your investment needs. This money back policy offers guaranteed income for a period of 8 to 15 years and is ideal for individuals who need regular income at their disposal so that they don’t have to worry about future expenses and fulfil their financial goals uninterrupted.

Features
  • Enjoy regular income for period of 8 to 15 years after premium payment term.
  • Survival Benefits varying from 8.0% to 12.5% of Sum Assured on Maturity payable each year during payout period.
  • Boost your regular income at maturity with reversionary bonuses1and terminal bonus1, if any.
  • Range of premium payment and policy term options to meet your income goals.
  • Insurance coverage throughout the policy term
  • This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

1Bonuses are discretionary (calculated as percentage of Sum Assured on Maturity) and are not guaranteed. Please refer sales brochure for more details.

HDFC SL ProGrowth Maximiser

A Unit Linked Non-Participating Life Insurance Plan.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L067V03

This plan strives to maximize your returns for ensuring the best for your loved ones. This plan is a single premium unit linked plan with insurance coverage.

Features
  • Benefit of paying single premium.
  • Benefit of financial protection for your loved ones.
  • Benefit of paying Single Premium Top-Ups1.
  • In this single premium unit linked insurance plan, your premiums (net of charges) will be invested in the fund(s) as per your choice.
  • Flexibility to invest among 4 fund options available, create your own investment strategy by switching or redirecting future premiums.

Plan can be availed by filling short medical questionnaire, which may not require you to go for medicals.

1Subject to Terms and Conditions

HDFC Life Capital Shield

A Unit Linked Non-Participating Life Insurance Plan.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L112V01

A non-participating, unit linked investment-cum-insurance plan that offers the potential of higher returns, by investing a part of your money in equity and the balance in debt, while also providing you with life cover. The allocation of your money to debt fund shall systematically increase over time to protect your capital.

Features
  • Protect your investment from market risks with an Assured Maturity Benefit.
  • Pay premiums only once or for a limited period of 5 years.
  • Get increasing Loyalty Additions from the end of the 6thpolicy year onwards to boost the Fund Value.
  • Stay protected during the entire policy term with life insurance cover.

HDFC Life Pragati

A Non-Linked, Participating, Savings Insurance Plan.

UIN: 101N114V03

A Non-Linked, Participating, Savings Insurance Plan that helps you to grow your savings in order to provide for your family’s financial security. This plan is a solution designed to meet dual objectives of Savings and Protection so that you can continue providing your family with the quality of life and peace of mind.

Features
  • Affordable premiums starting as low as Rs.1001 per month.
  • Multiple term options to suit your needs.
    • Choose to pay a lump sum single premium and get life coverage for 5 to 20 years.
    • Choose to pay premiums for 5 to 10 years and get life coverage for 10 to 20 years.
  • Hassle free issuance based on Declaration Of Good Health (DOGH).
  • Your policy’s value will increase as we declare bonuses.
  • Even if you miss paying your premiums, the insurer continues to pay full Death Benefit2 for 2 years from the date of last unpaid premium.
  • Guaranteed return of Premiums on Maturity/Death.

1 Premium amount calculated for an 35 year old male, Policy Term- 15 years, Premium payment term- 8 years, Monthly Premium-Rs. 100, Sum Assured- Rs.10,002, exclusive of taxes. The minimum premium amounts shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid as applicable.

2 Please check Auto Cover Continuance section in the product brochure.

HDFC Life Classic One

A Unit Linked Non-Participating Single Premium Life Insurance Plan.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L132V02

This Plan is a Unit Linked Single Premium Life Insurance Plan that comes with an option that offers life coverage for two individuals wherein a lump sum of 10 times the single premium is offered on the second death of the two lives assured. This plan also offers loyalty additions that will help you boost your fund value.

Features
  • A life insurance plan with opportunity to earn market linked returns.
  • Option to choose between Single Life and Joint Life1 (life coverage for two individuals wherein a lump sum is paid on the second death of the two lives assured) Coverage Variant.
  • Under Joint Life Coverage Variant, on first death the surviving life has the option to withdraw entire fund value (including top up fund value) and continue with a full life cover for rest of the policy term.
  • Under Joint Life coverage variant, death benefit would be payable only after both the lives assured die and nothing is payable on the death of first life assured alone. However, on first death, the fund value will be set to be higher of 125% of Single premium or balance in the unit fund.
  • Loyalty Additions will be allocated as extra units at the end of the 10th Policy year to boost your Fund Value provided no Partial Withdrawals have been exercised.
  • Tax Benefits are governed by prevailing tax laws. You are requested to consult your tax advisor.
  • Investment flexibility with 10 funds: Unlimited free switches allowed.
  • Benefit of rupee cost averaging with Systematic Transfer Plan (STP).

1. Under Joint Life Coverage Variant, on first death the surviving life has the option to withdraw entire fund value (including top up fund value) and can continue with full life cover for rest of the policy term.

HDFC Life Guaranteed Savings Plan

A Non-Linked Non-Participating Endowment Life Insurance Plan.

UIN: 101N131V01

This Plan is a Non-Linked Non-Participating Endowment Life Insurance Plan that helps you protect your life goals from eventualities through a life insurance cover and creating a corpus by offering a guaranteed lump sum at maturity.

Features
  • Life Insurance cover: Sum Assured on Death which is at least 10 times the Annualised1 /Single Premium.
  • Guaranteed2 Lump Sum at Maturity: You know the exact amount that you shall get at maturity of the Policy, when you pay all the due premiums.
  • Premium Payment Flexibility: Pay for 5 or 7 years at a frequency of your choice or just pay once.
  • Simplified Issuance: Policy issued on self-declaration of good health. No need to undergo medical examination.
  • Tax Benefits3 u/s 80C & 10(10D) may be available as per the prevailing tax laws.

1Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, loadings for modal premiums, taxes and other statutory levies, if any.

2Provided all due premiums have been paid and the policy is in force.

3Subject to provisions as per Income Tax Act, 1961. Tax laws are subject to change.

HDFC Life Click2Retire

A Unit Linked Pension Product.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L108V03

"HDFC Life Click 2 Retire" is an online Unit Linked pension scheme that offers you market linked returns and helps you achieve your retirement goals by planning well in advance. You can choose either a single pay or premium paying term of 8, 10 or 15 years with policy term of 10 to 35 years (except 11 to 14 years) as per your need to enjoy complete benefits of the regular income post retirement.

Features
  • HDFC Life Click 2 Retire is an online Pension Plan.
  • The plan charges only FMC and Investment Guarantee Charge, i.e. there are:
    • No Premium Allocation charge
    • No Policy Administration charges
  • Secure your retirement with assured vesting benefit and also gain from upside in the market.
  • Option to start as early as 18 years.
  • Lower vesting/maturity age of 45 years.
  • Limited Pay & Single Pay – Options available in one product.
  • Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of premiums paid till then.

HDFC Life Assured Pension Plan

A Unit Linked Pension Plan

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L109V04

This plan is a Unit Linked Plan that offers you market linked returns, with Loyalty additions and helps you achieve your retirement goals by planning well in advance. You can choose either a single pay or premium paying term of 8, 10 or 15 yrs, and stay invested for a policy term of your choice to enjoy complete benefits of the regular income post retirement.

Features
  • Secure your retirement with assured vesting benefit and also gain from upside in the market.
  • Loyalty additions in the form of Pension Multipliers every alternate year, starting in the 11thyear.
  • Option to start as early as 18 years.
  • Lower vesting/maturity age of 45 years.
  • Limited Pay & Single Pay – Options available in one product.
  • Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of premiums paid till then.
  • What are
    Health Plans?
  • Why do you need
    Health insurance?
  • How HDFC Life Health
    Insurance Plan help you?

Health Insurance is a kind of insurance that provides coverage for medical expenses to the policy holder. Depending on the health insurance plan chosen the policy holder can get coverage for critical illness expenses, surgical expenses, hospital expenses etc.

Changing lifestyles are causing diseases with expensive and prolonged treatments. A Health insurance plan helps cushion your family finances from unexpected large medical expenses

The Health Insurance Plans provide financial support for health related emergencies. It helps meet various health insurance needs be it based on the life stage of a person or a specific disease.

HDFC Life Cardiac Care

HDFC Life Assured Pension Plan

UIN: 101N117V01

With the alarming rise in incidence rates of cardiac ailments in India as well around the world and the rising costs of medical expenses, we at HDFC Life understand the need for exclusive financial protection specifically designed for cardiac conditions and procedures. In our endeavour to ensure that you stay financially healthy during a stressful time, we present HDFC Life Cardiac Care, a comprehensive plan aimed at providing financial protection in case you are diagnosed with a cardiac condition or are undergoing a procedure as covered under the policy.

Features
  • Comprehensive cover for an extensive list of cardiac conditions and procedures.
  • Fixed lump sum payout irrespective of actual expenses incurred for diagnosis/procedure.
  • Multiple Claims of same or different conditions / procedures can be covered subject to the exhaustion of applicable Sum Insured.
  • Option to choose Indexation benefit to ensure you stay ahead of medical inflation.
  • Option to choose Hospitalization benefit to get lump sum payout in case you are hospitalized due to any of the covered conditions.
  • Tax benefits* under Section 80D of the Income Tax Act 1961.

*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

HDFC Life Cancer Care

A Non-Linked, Non-Participating Protection Plan.

UIN: 101N106V03

HDFC Life Cancer Care offers lump sum benefit on diagnosis of Cancer that helps to protect your income and savings from expenses that aren't covered by your major medical coverage, like Out of pocket medical expenses, Out of Network specialist, Experimental Cancer Treatment, Travel & Lodging etc. when treatment is far and so on.

Features
  • Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer.
  • Lump sum payout is provided on diagnosis of major as well as early stages of cancer.
  • Future Premiums for next 3 policy years will be waived off on receiving a valid claim of cancer diagnosis.
  • Receive Income benefit for next 5 years, under Platinum option.
  • Under Gold and Platinum option, the Sum Insured will be increased by 10% every year. This will continue till the increased Sum Insured becomes 200% of the Initial Sum Insured.
  • All benefits and payouts are independent of any other health insurance plan.
  • Provides tax benefits* on premiums paid up to `55,000 under Sec 80D of the Income-Tax Act, 1961

*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

HDFC Life Easy Health

A Fixed Benefit Health Insurance Plan.

UIN: 101N110V01

Every aspect of your life is dependent on your good health. Due to changing lifestyles, health issues have escalated, thus imposing extra financial burden on the family. It becomes imperative therefore to have an online health insurance product in place, to ensure that no matter how critical your illness, it does not impair your financial security. Keeping the above in mind, we have developed a health insurance product and mediclaim policy for family, parents as well as individuals which will provide a lump sum amount if you are hospitalized or undergo any Surgical Procedure or are diagnosed with Critical Illness.

Features
  • Flexibility: Pay Single / Regular Premium based on your convenience.
  • Daily Hospital Cash Benefit: Daily Hospital Cash Benefit available from Rs. 250 to Rs. 5000 per day as per your requirement.
  • Surgical Benefit: Get lump sum payout in case of any of the 138 surgeries specified.
  • Critical Illness Benefit: Lump sum payout in case diagnosed with any of the 18 Critical Illnesses specified.
  • Value For Money: Avail Multiple Claim; Get Double Benefit in case of hospitalization in ICU.
  • Receive tax benefits* under Section 80D as per applicable tax laws.

*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

  • What are
    Retirement Plans?
  • Why you need Retirement
    and Pension Plans?
  • How HDFC Life Retirement
    and Pension Plans Help?

Pension Plans are investment plans that lets you allocate a part of your savings to accumulate over a period of time and provide you with steady income after retirement. Retirement and Pension Plans provide you with financial security so that when your professional income starts to ebb, you can still live with pride without compromising on your living standards. Given the high cost of living and rising inflation, retirement planning has become all the more important.

Retirement and Pension Plans provide ample regular income in retirement with the help of money saved during work life. Your family can maintain its lifestyle without your regular pay cheque despite constantly rising living costs.

Investments with regular premiums or a lump sum payment makes your money grow well during your work life.

HDFC Life Guaranteed Pension Plan

A Non-Linked Non-Participating Pension Plan.

UIN: 101N092V04

HDFC Life Guaranteed Pension Plan is a non-participating deferred pension plan that offers assured benefit on death or at vesting. The product offers guaranteed additions that are added every year and lump sum vesting addition payable at vesting. The plan is ideal for individuals who seek to plan for their retirement to get guaranteed returns on their invested corpus for post-retirement income.

Features
  • Guaranteed Additions of 3% of sum assured on vesting that get accrued for each completed policy year.
  • A lump sum Vesting Addition payable at vesting.
  • Choose premium paying terms of 5, 7 or 10 years.
  • Guaranteed Death Benefit equal to total premiums paid to date accumulated at 6% per annum.

HDFC Life New Immediate Annuity Plan

A Non-linked Traditional Annuity Plan.

UIN: 101N084V11

HDFC Life New Immediate Annuity Plan is a non-linked traditional annuity plan that offers you various annuity options and provides you an opportunity to live life on your terms even after retirement.


Features
  • Wide range of annuity options to cater to your needs.
  • Option to receive annuity as long as you or your partner is alive.
  • Option to receive annuity monthly, quarterly, half-yearly or yearly.
  • Benefit of higher annuity rates for large purchase price.
  • Return of Purchase Price option on death and critical illness.
  • Guaranteed1 income source for life – Annuity once purchased is guaranteed for lifetime.

1The word “Guaranteed” and “Guarantee” mean that annuity payout is fixed once the policy has been purchased.

HDFC Life Pension Guaranteed Plan

A Single Premium Non-Participating and Non-Linked Annuity Plan.

UIN: 101N118V05

Everyone loves financial independence, to enjoy and live a comfortable lifestyle. There is no reason why these should stop after retirement. After all the years of hard work, money should not be the concern for you to decide how you would spend your retirement. A smart way to ensure a regular income stream post retirement is buying an Annuity plan. HDFC Life Pension Guaranteed Plan is a single premium annuity product which provides a regular guaranteed income for lifetime.


Features
  • Wide range of annuity options to cater to your needs.
  • Option to take the plan on a Single or Joint Life basis.
  • Option to receive immediate or deferred annuity.
  • Option to receive annuity monthly, quarterly, half-yearly or yearly.
  • Option of Return of Purchase Price on death.
  • Choice of increasing your Annuity Payouts through Top Up option.
  • What are
    Child Plans?
  • Why you need a
    Child Insurance Plan?
  • How Child Insurance Plans
    by HDFC Life help you?

Child plans basically help in financial planning for your child's future needs at the right age. As a parent you can secure your child’s future with plans that encompass children insurance plans and children education plans.

It is one of the best ways to save enough with regular investments for your child’s future for needs like higher education which can be costly. Financial protection features in child plans ensure that your child gets the best in the future even in your absence.

HDFC Life’s Young Star Plans encompass child insurance plans and education policies from HDFC Life. They provide the ideal combo of protection and savings thanks to the many features of these children plans and make them perfect birthday gifts for your child.

HDFC Life Young Star Udaan

A Non-Linked Participating Life Insurance Plan.

UIN: 101N099V03

Since the birth of the child, parents make sincere efforts to ensure that their child can dream big without having second thoughts. Presenting HDFC Life Young Star Udaan, a traditional participating Life Insurance Plan. This plan is ideal for parents who wish to make provision for: academic expenses that occur prior to college education, specific goals like college fees or marriage expenses etc., all miscellaneous and extracurricular expenses that occur during college/school.


Features
  • A participating endowment and money back plan with multiple options.
  • 3 maturity benefit options that will help you match key milestones of your child’s aspirations.
  • Under Classic Waiver Option, all future instalment premiums will not be required to be paid.
  • Boost your payouts with Guaranteed Additions (GA)1 accruing in the first 5 years of your policy, payable at maturity.
  • Range of premium payment and policy term options that gives you flexibility to plan for various goals for your child.
  • Insurance coverage throughout the policy term by paying premiums for limited period.
  • The plan is available with a Short Medical Questionnaire (SMQ) based underwriting.
  • Tax Benefits2 under Section 80C and Sec 10(10D) of Income Tax Act 1961.

1Guaranteed Additions (Calculated as a % of Sum Assured on Maturity) for Policy Term <=19 years is 3% p.a. for first 5 policy years and forPolicy Term >=20 is 5% p.a. for first 5 policy years. Provided the policy is in forceand the premiumpayment term is 10 years or more.

2Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

HDFC SL YoungStar Super Premium

A Unit Linked Insurance Product with Life Insurance Coverage.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L068V02

Children insurance plans help build savings so that over time there is enough to finance your child’s education, marriage, house or car. HDFC SL YoungStar Super Premium, a unit-linked insurance plan (ULIP) designed to accumulate savings for your child's future, even in your absence.

Features
  • Valuable financial protection for your child.
  • Yearly payments to your family in case of your unfortunate demise.
  • Flexible Benefit Payment Preferences: Save Benefit or Save-n-Gain Benefit.
  • Opportunity to invest in 4 different funds.
  • The plan is available with a Short Medical Questionnaire (SMQ) based underwriting.
  • What is
    Women's Insurance Plans?
  • Why Women Need
    Women’s Insurance Plans?
  • How Women's Insurance Plans
    from HDFC Life Help?

Women’s insurance plan caters to different financial needs of women. Women’s plans are a set of specially created and hand-picked products which suit the needs of women at different stages of their life; such as protection, health, retirement, child’s education and long term savings and investments.

Women need different financial solutions than men like financial protection on spouse’s premature demise, women-specific health risks and financial security in retirement. Women’s Insurance Plans address these women-specific needs, health risks and financial security in retirement. Women’s Insurance Plans address these women-specific needs.

Women’s Insurance Plans by HDFC Life have been specially created to meet women’s needs at their different stages of life. This is possible with features for life and health insurance and savings for major needs like retirement and child’s education.

HDFC Life Smart Women Plan

A Unit Linked Insurance Plan with Life Insurance Coverage.

In this policy, the investment risk in investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

UIN: 101L082V02

HDFC Life Smart Woman Plan is a Unit Linked life insurance policy designed specifically for women that gives wings to your aspirations. The plan comes with comprehensive coverage options where the insurer will cover you against pregnancy complications and congenital conditions or for malignant female-specific cancers. The plan ensures your savings grow leaving you free to pursue your career and continue making a difference to those around you.


Features
  • Sum Assured of up to 40 times your annualized premium.
  • Choice of 3 Benefit Options - Classic, Premier and Elite.1
  • Premium Waiver Benefit - Waiver and funding of 3 annual premiums on:
    • Birth of child with congenital disorder or pregnancy complications.
    • Diagnosis of malignant cancer of female organs.
    • Death of spouse.
  • Additional periodic cash payouts under Premier and Elite Option.
  • Enhanced Allocation Rate from 11th year onwards.
  • Options to choose from 4 funds to suit your risk appetite.

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.1Please refer the Product Brochure for details.

HDFC Standard Life Insurance Company Limited (HDFC Life). UIN: U99999MH2000PLC128245, IRDAI Reg. No. 101.

The name/letters "HDFC" in the name/logo of the Company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a license/agreement.

Registered Office: HDFC Standard Life Insurance Company Limited, 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.

HDFC Sales Pvt. Ltd. is the Corporate Agent CA0080 of HDFC Life. Life Insurance policies are underwritten by HDFC Life. Purchase of Life Insurance policy is voluntary

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI clarifies to public that

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus.
  • Public receiving such phone calls are requested to lodge a police complaint, along with details of phone call and number.

HDFC Sales is not an Investment Advisor and does not provide any investment or financial planning advice. The information provided on our website is for informational purposes only and it should not be considered as financial advice. Please consider your specific investment requirements before choosing any investment or designing a portfolio that suits your needs. The detailed terms and conditions as stipulated by the financial service providers for their respective products shall be applicable. You should read the same in detail before concluding any transaction.

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