HDFC Life Insurance

HDFC Life Insurance Company Limited is one of India’s leading private life insurance providers. Founded on August 14, 2000, and headquartered in Mumbai, the company offers various individual and group insurance solutions. HDFC Life provides some of the best life insurance plans in India, catering to different financial needs such as protection, savings, child education, and retirement. With flexible options and dependable coverage, HDFC helps individuals and families plan for a secure and worry-free future.

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HDFC Life Insurance

HDFC Life Insurance Company Limited is one of India’s leading private life insurance providers. Founded on August 14, 2000, and headquartered in Mumbai, the company offers various individual and group insurance solutions. HDFC Life provides some of the best life insurance plans in India, catering to different financial needs such as protection, savings, child education, and retirement. With flexible options and dependable coverage, HDFC helps individuals and families plan for a secure and worry-free future.

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Policybazaar is a Platinum Premium Partner for HDFC Life
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The Best Price

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Dedicated Claims Assistance Program

Why Buy HDFC Life Insurance?

HDFC Life Insurance provides a range of life insurance policies to help you safeguard your family's financial future and achieve long-term financial goals. Whether you're planning for protection, savings, or a comfortable retirement, here's why HDFC Life stands out as a wise choice:

Buy online and get a 1% discount throughout your policy term
Guaranteed premium returns on survival till maturity
High claim settlement ratio of 99.7%
Quick 24-hour claim processing through a dedicated Claims Relationship Office
Coverage against pandemics, like COVID-19
Option to avail of whole life coverage
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HDFC Life Insurance Plans

The HDFC Life Insurance company offers different types of insurance plans to fulfil the needs of policy buyers. Let's look at the plans provided by HDFC Life Insurance Company:

Critical Illnesses Covered Under HDFC Life Insurance

The HDFC Life Critical Illness Rider provides extensive coverage against a range of serious health conditions, including heart attack, cancer, kidney failure, and more. The lump-sum payout from this rider helps manage medical expenses, hospital bills, and recovery costs following a critical illness diagnosis. It covers diseases across varying stages of severity, such as specific stages of cancer, Open Chest CABG, and End-Stage Liver or Lung diseases. Here's a complete list of critical illnesses covered under HDFC term plans.

Cancer of Specified SeverityMyocardial infarction – First heart attack of specific severityOpen Heart Replacement or Repair of Heart Valves
Kidney Failure Requiring Regular DialysisMajor Organ/ Bone Marrow TransplantCoronary Artery Bypass Graft (Open, Keyhole or minimally invasive or Robotic Cardiac CABG)
Multiple Sclerosis with persisting symptomsStroke resulting in permanent symptomsComa of specific severity
Permanent Paralysis of LimbsMotor Neuron Disease with Permanent SymptomsBenign Brain Tumor
BlindnessDeafnessEnd stage lung failure
End stage liver failureLoss of SpeechLoss of Limbs
Major Head TraumaPrimary (idiopathic) pulmonary hypertensionThird Degree Burns
Alzheimer’s DiseaseAplastic AnaemiaMedullary Cystic Kidney Disease
Parkinson’s DiseaseSystemic Lupus Erythematosus (SLE) with Lupus NephritisApallic Syndrome
Major Surgery of AortaBrain SurgeryFulminant Viral Hepatitis
CardiomyopathyMuscular dystrophyPoliomyelitis
PneumonectomySevere Rheumatoid ArthritisProgressive Scledorma
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HDFC Life Insurance Plan Riders

HDFC term plans provide a range of important term insurance riders that can be added to your base policy for enhanced protection. These riders come at an additional cost, payable along with your regular premiums, offering comprehensive coverage against life's uncertainties.

Here are the key riders available with HDFC term insurance plans:

Extra Payout on Accidental death (paid)Extra Payout on Accidental Disability (paid)
Cover against 19 critical illnesses (paid)Waiver of Premium On Critical Illness (paid)
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How Much Term Cover Do I Need?

Determining the right sum assured for your life insurance is crucial to secure your family's financial future. A Human Life Value (HLV) Calculator can help you estimate the ideal life cover based on your current age and annual income. This tool evaluates the amount of coverage you should have to replace your income and meet your family's financial needs in your absence.

Insurance experts recommend a life cover of 15 to 20 times your annual income when purchasing the policy.

For example, if you earn ₹9 lakhs per annum and are 27 years old, with no existing life insurance, you would typically need a term plan with a sum assured of ₹2.25 crores. In the unfortunate event of your death, this amount would be paid to your family, enabling them to manage expenses, fund your child's education, or achieve long-term goals like purchasing a home.

To easily calculate your HLV, enter your age, annual income, and details of any existing life cover in an HLV calculator.

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Choosing the HDFC Life Insurance Plan with the Right Sum Assured Option

Selecting the right sum assured is crucial to safeguarding your family's financial well-being in your absence. HDFC Life Insurance offers a variety of plan options designed to meet different protection needs. Whether you want basic coverage or comprehensive financial security, choosing the right sum assured ensures your loved ones can manage future expenses, clear liabilities, and maintain their lifestyle comfortably.

HDFC Life1 Crore
Term Insurance
HDFC Life2 Crore
Term Insurance
HDFC Life5 Crore
Term Insurance
HDFC Life75 Lac
Term Insurance
HDFC Life70 Lac
Term Insurance
HDFC Life50 Lac
Term Insurance

Term Insurance Premium Calculator

Our term life insurance calculator in india can help you calculate the following:

Know more about HDFC 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.

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+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.

Types of term plans

Policybazaar offers the following types of term insurance plans to fit the different needs of Individuals from all walks of life.

Choose Term Insurance Plan as per you need

Plans starting from @ ₹473/Month*
Term Insurance
1 Crore Term Insurance
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2 Crore Term Insurance
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4 Crore Term Insurance
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5 Crore Term Insurance
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6 Crore Term Insurance
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7 Crore Term Insurance
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7.5 Crore Term Insurance
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8 Crore Term Insurance
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9 Crore Term Insurance
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15 Crore Term Insurance
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20 Crore Term Insurance
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25 Crore Term Insurance
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30 Crore Term Insurance
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15 Lakh Term Insurance
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60 Lakh Term Insurance
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HDFC Life Insurance Reviews & Ratings

4.5 / 5 (Based on 101 Reviews)
(Showing Newest 10 reviews)
Jagadish
West Bengal, July 22, 2024
Compared Different Options
I was able to compare different renewal options and choose the one that best suited my needs.
Munna
Maharashtra, July 22, 2024
Great Plan For Me
Found a great policy quickly and easily.
Sushil
Maharashtra, July 22, 2024
Good Price
Found a great term policy at a Good price at policybazaar
Sitaram
Jammu And Kashmir, July 22, 2024
Perfect Policy
Found the perfect policy for my needs in no time at PB
Kishan
Tamil Nadu, July 22, 2024
Satisfied
A friend recommended PolicyBazaar to buy a term plan and I decided to give it a try and I am really satisfied with my decision.
Abhishek
Madhya Pradesh, July 22, 2024
Compared Different Plans
I was pleasantly surprised by how easy it was to compare different policies side by side.
Akshay
Tamil Nadu, July 22, 2024
Easy Renewal Process
The renewal process was quick and hassle free.
Pulkit
Maharashtra, July 22, 2024
Secure and Trusted
Secure and trusted coverage for my family with ICICI Prudential via Policybazaar. Its comforting to know they are protected.
Akhilesh
Uttar Pradesh, July 22, 2024
Perfect and Comprehensive
Found a perfect and comprehensive plan from Kotak Life on Policybazaar. The detailed comparison made it easy to decide.
Lalit
Madhya Pradesh, July 22, 2024
Simple and Clear
Simple and clear process with Policybazaar led me to choose Aegon with confidence.
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