HDFC Life ULIP Plans combine life insurance with market-linked investments, offering dual benefits of financial protection and wealth creation. These plans provide flexibility in choosing funds based on risk appetite, along with options for premium payments and fund switching. With tax benefits under Sections 80C and 10(10D), HDFC ULIPs cater to long-term goals like retirement, education, and wealth accumulation.
Returns as on 09-09-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.inRead MoreRead Less
Key Features of HDFC ULIP Plans
Flexible Investment Options:
Allows you to choose from a variety of investment funds based on your risk tolerance and financial goals.
Market-Linked Returns:
Returns are linked to the performance of selected funds in the financial market.
Premium Allocation Charges:
Applicable charges for allocation of premiums towards investment funds.
Partial Withdrawal:
Allows partial withdrawal of funds after completion of the lock-in period of 5 years.
Top-up Premiums:
Option to make additional premium payments to enhance investment.
Switching Option:
Allows you to switch between funds based on market conditions or changing risk preferences.
Provides a lump sum or periodic payment in case of your demise.
Maturity Benefit:
Receives the fund value on policy maturity, subject to terms and conditions.
Option to Enhance Sum Assured:
Receives the fund value on policy maturity, subject to terms and conditions.
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HDFC offers a variety of child plans to suit different needs and budgets. Below are the details of the ULIP plans for children by HDFC Life: HDFC offers a variety of child plans to suit different needs and budgets. Below are the details of the ULIP plans for children by HDFC Life:HDFC offers a variety of child plans to suit different needs and budgets. Below are the details of the ULIP plans for children by HDFC Life:HDFC offers a variety of child plans to suit different needs and budgets. Below are the details of the ULIP plans for children by HDFC Life:
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Investment Amount:
₹20,000/month
Invest for:
15 years
Withdraw after:
20 years
Plan Type:
Market-Linked
Scenario 1:
Returns @ 4%
Plan name
Maturity Value
Growth %
HDFC Life Click2Invest
₹35.1 L
4%
HDFC Life Sampoorn Nivesh Plus
₹27.1 L
4%
Scenario 2:
Returns @ 8%
Plan name
Maturity Value
Growth %
HDFC Life Click2Invest
₹62.9 L
8%
HDFC Life Sampoorn Nivesh Plus
₹52.7 L
8%
Note: Past performance is illustrative. Actual returns depend on market conditions, fund choice, and economic cycles. Historical returns do not guarantee future performance.
Benefits of HDFC ULIP Plans
Financial Security:
In case of your demise, the plan provides a lump sum payout to the beneficiary, ensuring the child's financial needs are met.
Maturity Benefits:
Upon plan maturity, the child receives a lump sum amount that can be used for their future goals like education, marriage, or starting a business.
Loyalty Additions:
Some plans offer additional bonuses based on policy performance.
Guaranteed Additions:
Some plans offer guaranteed additions to the sum assured at specific intervals, boosting the maturity payout.
Tax Benefits:
Premiums paid towards the plan are eligible for tax deductions under Section 80C of the Income Tax Act.
Rider Benefits:
Additional benefits like critical illness cover, accidental disability cover, and waiver of premium rider can be added to enhance the plan's protection.
List of HDFC ULIP Plans
The list of HDFC ULIP Plans along with a brief description of each is mentioned below:
Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium (in Rs.)
Click 2 Wealth
0 (30 days) – 60 years
75 years (Premium Waiver/Invest Plus); 99 years (Golden Years)
Single, Limited (5–9 yrs), Regular (10–40 yrs)
10–40 years (Invest Plus/Premium Waiver); 99 – Age at Entry (Golden Years)
As per Sum Assured, commonly starts at ₹24,000/yr
View plan
Click 2 Achieve (Dream Achiever)
0 – 65 years
99 years
5–35 years
5–40 years
As per Sum Assured on Death, min ₹50,000 SA
View plan
Click 2 Achieve (Smart Student)
0 (30 days) – 13 years
19–23 years
5–12 years
10–23 years
As per Sum Assured on Death, min ₹50,000 SA
View plan
Sampoorn Nivesh (Classic Benefit option)
0 – 60 years (option-specific)
85 years (Classic); 99 years (Whole Life option)
Single/Limited (5–20)/Regular (till PT)
10–35 years (Single), 85 – Age at Entry (Limited/Regular)
HDFC offers a variety of child plans to suit different needs and budgets. Below are the details of the ULIP plans for children by HDFC Life:
HDFC Life Click 2 Wealth
Unit Linked, Non-Participating Life Insurance Plan (ULIP).
Key Features of HDFC Life Click 2 Wealth
Option to choose from three plan variants:
Invest Plus, Premium Waiver, and Golden Years Benefit.
Premium Waiver Option:
Waives all future premiums in case of the proposer’s death, ensuring uninterrupted corpus growth for the child’s goals.
Special Additions:
101% of premiums allocated to the fund for the first 5 years. Return of Mortality Charges at the end of policy year during or after the 70th birthday of the life assured.
Multiple fund options (up to 11) with unlimited switching.
Whole Life Coverage:
Coverage available up to 99 years of age with Golden Years Benefit.
Flexible Payment:
Single, limited, or regular pay modes. Rupee cost averaging via systematic transfer plan.
Benefits:
Market-linked returns, minimal charges, life cover protection, and tax advantages.
HDFC Life Click 2 Achieve
Individual, Non-Participating, Non-Linked Savings Life Insurance Plan.
Key Features of HDFC Life Click 2 Achieve
Guaranteed Benefits:
Lump-sum or regular income, as per the policyholder's choice.
Tailored Payouts:
Options for lump sum, periodic income, or staggered money-back features.
Premium Offset:
Option to use survival/guaranteed payouts to offset future premiums.
Built-in Premium Waiver:
Waiver on death, critical illness, or total permanent disability, ensuring future goals are met.
Juvenile Coverage:
Inclusion of critical illness riders for enhanced protection for children.
Flexible Policy and Premium Terms:
Customizable as per financial needs.
Tax Benefits:
Eligible under prevailing tax laws.
HDFC Life Sampoorn Nivesh
Unit Linked Insurance Plan (ULIP).
Key Features of HDFC Life Sampoorn Nivesh
Three Benefit Options:
Classic Benefit, Classic Plus Benefit, and Classic Waiver Benefit, providing life cover, investment growth, and premium waiver respectively.
Flexible Investment Term:
10-35 years for single pay. For limited/regular pay, up to 85 minus age at entry.
Customizable Premium Payment:
Options for single, limited, or regular premium.
Loyalty Additions:
After 10 years, additions enhance fund value.
Reduced Charges:
Lower premium allocation charges for higher premiums.
Multiple Fund Options:
Choice of 10 funds suiting investor risk profiles. Accidental Death Benefit and Short Medical Questionnaire available for smoother policy issuance.
Why Buy an HDFC ULIP Plan from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
In HDFC Bank, ULIP stands for Unit Linked Insurance Plan. It is a type of financial product that combines life insurance coverage with the opportunity for market-linked investment returns. This means you get:
Insurance protection: A portion of your premium goes towards building a life insurance cover for your beneficiaries in case of an unfortunate event.
Investment potential: The remaining portion of your premium is invested in various market-linked funds like equity, debt, or a mix, depending on your risk appetite and financial goals. These funds can potentially grow your wealth over time.
Is the HDFC ULIP Plan good for 5 years?
Whether an HDFC ULIP plan is good for 5 years depends on several factors, including your investment goals, risk tolerance, and the specific plan features.
Pros of a 5-year HDFC ULIP:
A 5-year ULIP can be a good option if you have a short-term financial goal like buying a car or funding a vacation
You gain access to market-linked investment returns through equity and debt funds, potentially outperforming traditional savings accounts.
HDFC ULIPs offer flexibility in premium payment frequency and fund switching, allowing you to adjust your investment strategy based on market conditions.
You can avail tax deductions under sections 80C and 10(10D) on your premium payments, depending on the plan.
What is the interest rate of the HDFC ULIP Plan?
ULIPs do not offer a fixed interest rate like traditional savings accounts or fixed deposits. They are market-linked investment products, and their returns depend on the performance of the underlying funds you are choosing to invest. As of January 2024, the HDFC Life ULIP Plan offers 5-year annualised returns between 12% and 21% p.a.
What is the return of the HDFC ULIP Plan in 10 years?
The HDFC ULIP Plan offers 10-year annualised returns between 10% and 19% p.a.
How to pay premium? What are the modes of payment available?
You can pay your HDFC Life Insurance premium through ANY these following methods:
ECS SYSTEM
Bill Pay – EBPP (Electronic Bill Presentment and Payment)
Drop box
YES /AXIS Bank debit card
Bill pay-EBPP(Electronic bill presentment and payment)
Cash/Cheque Payments
NEFT
For paying premium online, please visit e-portal.
Step 1: Enter your policy details – policy number and policyholders date of birth
Step 2: Pay from your debit/ credit card or select your online bank account to make the payment
Step 3: Authenticate and confirm your payment details and receive online premium payment receipt
How can I check policy status for HDFC Life ULIP plans?
You can check policy status online, if you are a registered user. Simply log into the e-portal with your Client ID and password to check the policy status.
What is the policy renewal process for HDFC Life ULIP plans
Renew your policy online. Here are the steps;
Step 1: Login with your customer ID and password on
Step 2: Select the policy due for renewal payment. Click Pay Renewal Premium Now
Step 3: Choose payment option- Credit/Debit Card or NEFT
Step 4: Authenticate and confirm your payment details and print the payment receipt
What is the company’s process to settle claim for HDFC Life ULIP plans
For HDFC Life Insurance policyholders, Cashless facility is permitted in case of hospitalization or surgery. For others the process is as follows;
Step 1: Duly fill the claims form
Step 2: Attach the relevant documents- medical bills, reports, accident report- with your claims form
Step 3: Submit the documents at the Claims Office at any of your nearest HDFC branch in your city
Alternatively, you can post it at their registered headquarter:
HDFC Standard Life Insurance Company Ltd.Lodha Excelus, 13th Floor Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai – 400011, Maharashtra, India.
What is the policy cancellation process for HDFC Life ULIP plans
Policyholders must attach all the relevant policy documents along with a duly filled surrender form at any of the branch locations in their city. Within 72 hours, the refund will be made into your bank account, post deducting cancellation charges, stamp duty (if any), and medical tests.
"Great traditional insurance plan i have purchased in less investment. Service is fine but the online renewal through online portal is very good option. Policy coverage and claims are more than i expected. Fabulous work you have done hdfc standard life insurance."
PS
Prashant
Surat, January 16, 2025
Good
"The policy i have is hdfc traditional policy plan which is very good and the premiums are low with high in policy coverage 91%. The claiming part is very easy because the service is very fast with good response from the staff members. Nice future investment with tax savings. I like the policy."
KJD
Kishor
Nasik, January 16, 2025
"Fine"
"HDFC provide me very useful policy. The service is great with fast interface. Policy coverage is low as the premiums also low. The claiming is easy and approx. 80%. Nice policy with good benefits.
Plan Name: Click2Invest
Agent Code: BBE06002
"
M
Manish
Korba, January 16, 2025
"Nice Policy"
"My whole family buy the standard insurance. HDFC really provide great deals. Policy covers 90% of the cases. The service is awesome. I haven't claim yet, so can't say much about it but the conditions for this is really catchy.
Plan Name: Click2Invest
Agent Code: BPW01312
"
RM
Ratan
Calicut, January 16, 2025
Good to go with hdfc life investment plan
"Just bought a plan from here, feeling good to get it so fast. Good customer service from Policybazaar, i could actually bought hdfc life sanchay for 20 years. The product is very good and I would recommend this for everyone."
SS
S.B
Kolaval, January 16, 2025
Perfect
"The traditional insurance plan i have is perfect and the premium is also less. Great services provided by hdfc life insurance company. Policy cover's maximum and claims are high which is simple to cleared. The any further information or updates are mailed to me regularly."
RPN
RAVI
Bhopal, January 16, 2025
superb plan...
"I buy traditional plan from hdfc life insurance. My plan is full of services. Low premiums and the paybacks are high. I'm tension free now for my future because of this policy. Great investment and reduces my taxes too. happy with your services.
Plan Name: Click2Invest
Agent Code: BBE05131"
J
Jagdish
Pune, January 16, 2025
"No One Chase This"
"I have the best policy plan from standard life. The benefits are countless with low premiums. Policy coverage is 80-89%. Claims approx. Rs.24 lakh with easy procedure to get it. I'm really happy with this policy...
Plan Name: Click2Invest
Agent Code: BBE06002"
HMN
Harsh
Pune, January 16, 2025
"Damn Good"
"i bought hdfc insurance traditional plan. The plan consist various benefits like high policy coverage and claims. The premium is Rs.4999 and the returns is around Rs.27 L. The service is very good, i'm really happy with it.
Plan Name: Click2Invest
Agent Code: BBE05131"
US
Utpal
Bijapur, January 16, 2025
"The Best"
"Fantastic fast service by the staff of Policybazaar on the phonecall, buying life insurance from HDFC Standard Life Insurance and would recommend it. Service is superb, policy coverage is great, claim is done on time without any interruption. Gave you four out of five stars.
Plan Name: Click2Invest
Agent Code: BBE06002"
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
