HDFC 2 Crore Term Insurance for NRI

HDFC 2 Crore Term Insurance is designed to fit the needs of NRIs, PIOs, and OCI customers and provide a robust financial safety net for your loved ones, even while you live abroad. Many NRIs seek a term insurance plan that provides substantial coverage at affordable premiums and hassle-free claim settlement in India. HDFC Life offers reliable term insurance for NRIs to help ensure your family remains financially secure back home. Let us look at what HDFC 2 Crore term insurance for NRI is, why you should buy it, and more.

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What is HDFC 2 Crore Term Insurance for NRIs?

HDFC 2 Crore Term Insurance for NRIs is a term insurance for NRI that offers ₹2 Crore sum assured to protect your family’s future in case of your untimely death. Designed for Non-Resident Indians, the plan provides long-term coverage, flexible premiums, and optional riders like critical illness or accidental death. This 2 crore term insurance for NRI can be bought online with minimal paperwork, and medicals can often be done abroad.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Why Buy HDFC 2 Crore Term Insurance for NRI?

Buying a 2 Crore term insurance plan from HDFC Life can be a smart and secure decision for NRI. Here's why:

Family’s Claim in India: Many NRIs have financial dependents like parents, spouse, or children residing in India. A term plan from an Indian insurer like HDFC Life ensures the claim process is quick and smooth for them in your absence.
Global Coverage: HDFC Life term plans offer coverage even if you relocate across countries. The policy continues to protect your family, no matter where you are.
Trusted Indian Insurer: HDFC Life Insurance company is a well-established and trusted life insurance company in India, known for its strong claim settlement track record.
Affordable Premiums: Compared to policies bought abroad, term insurance in India is often more cost-effective for NRIs due to favorable pricing and competitive underwriting.
Tele/Video Medicals: With options like tele medical checkups and video-medicals, NRIs can buy 2 Crore HDFC term plans without flying back to India.

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

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⁺Standard T&C Applied

What are the Benefits of Buying the HDFC 2 Crore Term Insurance for NRI?

Here are the key benefits that make the HDFC 2 Crore Term Insurance for NRIs:

Financial Security for Family

Your loved ones in India get a large sum assured of ₹2 Crores in case of your unfortunate demise. This helps them manage regular expenses, loan repayments, education costs, and lifestyle needs.

Global Validity

HDFC term insurance provides global coverage. You get continued coverage across most countries, including the UAE, UK, US, and more, provided your current residence is updated with the insurer.

Competitive Premiums

Indian term plans are much more affordable than international term plans. You can save 40–50% on premiums compared to foreign term insurance.

High Claim Settlement Ratio

HDFC Life has consistently maintained a high CSR (Claim Settlement Ratio), ensuring your family doesn’t face challenges while filing a claim.

GST Waiver & Discounts

You can claim an 18% GST waiver on the term insurance premiums paid and get an additional 5% discount on the premiums paid in annual mode. You can only claim the GST waiver if the premiums are paid via an NRE bank account that supports freely convertible currency.

Special Exit Benefits

Some HDFC term plans offer a special exit option, allowing you to get back all premiums if you exit the policy at a specific stage determined by the insurer.

Easy and Hassle-Free Buying

NRIs can opt for video medicals or telemedical check-ups, making the process completely digital and convenient.

Key Features of HDFC 2 Crore Term Plan for NRIs

Feature	Description
Sum Assured	₹2 Crore and above
Entry Age	18 to 65 years
Policy Term	Up to 40 years or till age 85 (based on plan)
Premium Payment Options	Annual, semi-annual, quarterly, monthly
Claim Settlement Ratio	Over 99%* (as per IRDAI)
Optional Riders	Critical illness, accidental death, waiver of premium
Medical Test Requirement	Depends on age, health, and sum assured
Available to	All Indian citizens residing abroad (NRIs, PIOs, OCIs)
Currency	Coverage in INR, payout in India

Documents Needed for HDFC 2 Crore Term Insurance for NRI

To apply from abroad, you typically need:

Scanned Indian passport copy
Valid visa/residency/work permit
Recent photograph
Address proof (Indian and overseas)
Income proof (salary slips, tax returns, etc.)
Medical reports (as requested)

How to Buy the HDFC ₹2 Crore Term Insurance Plan Online?

Here is how you can buy the HDFC 2 Crore Term Insurance plan from India:

Step 1: Visit Policybazaar’s term insurance for NRI page

Step 2: Fill in your name, gender, and other information

Step 3: Select the right smoking habit, annual income, educational qualifications, and occupation type

Step 4: Choose the best HDFC 2 crore term insurance and proceed to pay the first premium

Wrapping it Up!

HDFC 2 Crore Term Insurance plan provides comprehensive life cover at affordable premiums for NRIs living anywhere in the world. It ensures your family’s financial future remains secure, no matter where life takes you. With easy online access, strong service support, and high claim credibility, this term insurance for NRI is a smart choice for globally placed Indians looking to protect their family back home.

People also search for

What is Term Life Insurance

˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.