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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

UIN: 101N115V02

HDFC Life Click 2 Protect 3D Plus is an online 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.
  • 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.

HDFC Life Click 2 Protect Plus-Health

UIN: 101Y115V01

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
  • No need to buy from different insurers.
  • Service touch points in over 600 branches of both insurers.
  • Plan that provides tax benefits 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.

* Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.

  • 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

UIN: 101N089V03

HDFC Life Classic Assure Plus is an investment cum insurance plan that offers guaranteed benefit 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% of 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 at maturity, subject to policy being in force and all due premiums being paid.

HDFC Life Sampoorn Samridhi Plus

UIN: 101N102V03

Keep your and your loved ones' happiness well protected with the confidence of HDFC Life Sampoorn Samridhi Plus. What is Whole Life Insurance? A Whole Life Insurance is a life insurance contract between the insurance provider and the policyholder, wherein the insurance payout is made to the contract’s beneficiaries upon the inevitable death of the policyholder provided required premiums are paid, or to the policy matures. It is also known as “straight life insurance” or “ordinary life insurance”.


Features
  • Guaranteed Additions2 of 3% to 5% p.a. of “Sum Assured on Maturity” for first 5 years (in addition to declared bonuses).
  • Limited premium payment term equal to policy term less 5 years.
  • Your policy’s value will increase as we declare bonuses.
  • Option to extend Insurance coverage up to 100 years of age Additional benefit paid in case of death due to an accident.
  • Tax Benefit3 under Section 80C and Section 10(10D) of Income Tax Act, 1961.

2For conditions refer to section on Guaranteed Additions in the sales literature.

3Tax benefits are subject to change from time to time.

HDFC Life Uday

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 guaranteed additions and bonuses 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 Additions6 of 3% p.a. during the first five policy years.
  • Bonuses declared at the end of each financial year.
  • Additional death benefit in case of death due to accident.

HDFC SL Crest

UIN: 101L064V02

HDFC SL Crest, is a short term 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 for a period of 10 years.


Features
  • Benefit of paying premiums for a limited term.
  • Benefit of financial protection for your loved ones.
  • Benefit of choice of investment options.

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 withdrawals16 ) or fund value.

HDFC Life ProGrowth Plus

UIN: 101L081V04

HDFC Life ProGrowth Plus, a simple savings-cum-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

Presenting, HDFC Life ProGrowth Plus, a unit-linked savings-cum-insurance plan (ULIP) that grows your savings by investing in the stock market without compromising on the life cover.

  • HDFC Life ProGrowth Plus is a regular premium unit linked insurance plan. In this plan you can choose your regular premium and the investment fund(s).

14Please refer to the sales literature for details

HDFC SL ProGrowth Super II

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 a choice of 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 underwriting17.

16Please refer to the sales literature for details.

17Please speak to our Financial Consultant to know more details.

HDFC Life Sampoorn Nivesh

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.11
  • Customize your premium payment options Single, Limited or Regular.
  • Reduced premium allocation charge on investing higher premium amount.12
  • 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.

1111 to 14 years terms are not available.

12Available for premium of 1 lakh & above for limited & regular premium payment options and 10 lakhs & above for single premium payment option.

HDFC Life Sanchay

UIN: 101N097V03

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 fulfill 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
  • Guaranteed benefits payable on maturity provided all due premiums have been paid.
  • Guaranteed benefits will vary by policy term in a range of 220% to 325%9 of the Sum Assured on Maturity.
  • Premium payment for limited period of 5, 8 and 10 years.
  • Flexibility to choose policy terms ranging from 15 years to 25 years.
  • This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.10

9Sum Assured on Maturity is the Basic Sum Assured guaranteed to be payable on maturity of the policy.

10Please speak to our Financial Consultant to know more details.

HDFC SL Pro Growth Flexi

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 Pro Growth 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.
  • Opportunity to invest in a choice of funds.

Please refer to the sales literature for details.

HDFC Life Super Income Plan

UIN: 101N098V03

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 best 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 fulfill 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 bonuses and terminal bonus4, if any.
  • Range of premium payment and policy term options to meet your income goals.

4Please refer to the sales literature for details.

HDFC SL ProGrowth Maximiser

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-Ups18.
  • In this single premium unit linked insurance plan, your premiums (net of charges) will be invested in the fund(s) as per your choice.
  • On maturity of the plan, you will receive the fund value.
  • 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

UIN: 101N117V01

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
  • 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.

HDFC Life Cancer Care

UIN: 101N106V02

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.

HDFC Life Easy Health

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 `Rs250 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.
  • 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

UIN: 101N092V03

Don't let market downturns take your retirement savings and your retirement dreams down with them! Presenting, HDFC Life Guaranteed Pension Plan, one of the best Retirement and Pension Plans in India designed to help you build and secure your retirement fund to enjoy the post retirement income.

Features
  • Flexibility to choose your investment horizon from 10 to 40 years.
  • Participate in the profits of the participating fund of the company by way of reversionary bonuses and any terminal bonus.
  • Assured benefit equal to 101% of all regular premiums21 paid to date on death or at vesting.
  • 21The Premium amount is excluding any taxes and levies as applicable paid on the premium.

HDFC Life New Immediate Annuity Plan

UIN: 101N084V05

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.
  • Benefit of higher annuity rates for large purchase price.
  • Return of Purchase Price option on death and critical illness.

HDFC Life Pension Guaranteed Plan

UIN: 101N118V01

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.
  • 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 YoungStar Udaan

UIN: 101N099V02

Since the birth of the child, parents make sincere efforts to ensure that their child can dream big without having second thoughts. We, at HDFC Life, are here to help you empower your child’s dreams and live the rest of your life as the proud parents you deserve to be. Presenting the HDFC Life YoungStar Udaan, a traditional participating 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)8 accruing in the first 5 years of your policy, payable at maturity.
  • 8Please refer to the sales literature for details.

HDFC SL YoungStar Super Premium

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 a choice of funds.
  • 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

UIN: 101L082V02

HDFC Life Smart Woman Plan, a life insurance policy for women that gives wings to your aspirations. 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.22
  • 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.

22Please refer to the sales literature 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.