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.
Term plans are typically affordable insurance plans that provide full protection and financial stability to your loved ones in case of any unforeseen events. HDFC Life presents term insurance plans and policies in India to best meet your needs.
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).
Click 2 Protect Life, an intelligent term plan that provides benefits as per your altering lifestyle and life stage needs and helps you stay truly protected.
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.
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.
HDFC Life Saral Jeevan Bima is a Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan which provides you comprehensive protection at an affordable price and helps you to protect your loved ones against the uncertainties that life may throw at you. This term life insurance policy covers your life till 70 years of age with multiple premium paying options.
Our Savings and Investment plans offer multiple avenues to save and to grow your money. These plans help in systematic investment, ensuring that you achieve your financial goals.
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.
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.
1Reversionary Bonus is guaranteed during the premium payment term on sum assured, subject to policy being in force and all due premiums being paid.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
* Minimum Sum Assured multiple for Age at Entry of 45 years and above is 7 times Annual Premium.
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.
1Bonuses are discretionary (calculated as percentage of Sum Assured on Maturity) and are not guaranteed. Please refer sales brochure for more details.
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.
Plan can be availed by filling short medical questionnaire, which may not require you to go for medicals.
1Subject to Terms and Conditions
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.
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.
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.
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.
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.
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.
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.
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.
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.
HDFC Life provides a variety of Health Insurance Plans & Mediclaim Policies that offer financial security to meet health related contingencies. Due to changing lifestyles, health issues have not just escalated, they have increasingly become more complex in nature. It becomes imperative therefore to have a health insurance plan in place, thus your financial planning is incomplete if you have not accounted for health.
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 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.
*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.
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.
*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.
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.
*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.
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.
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.
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.
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.
1The word “Guaranteed” and “Guarantee” mean that annuity payout is fixed once the policy has been purchased.
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.
Financial planning for your child's future needs at the right age is the key to smart parenting. Give your child a secure future and career with child investment plans.
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.
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.
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.
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.
We cater to different financial needs of women with 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’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.
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.
This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.1Please refer the Product Brochure for details.
Please click on the below link for HDFC Life Claim Process
HDFC Life - Claim LinkIRDAI clarifies to public that
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.