What is HDFC Term Insurance Calculator 2025?

HDFC Term Insurance Calculator 2025 is a smart online tool that helps you estimate the right life cover and premium based on your financial profile. By simply entering details such as your age, life cover, policy term, smoking habits, and gender, you can instantly know the coverage amount required to secure your family’s future. This calculator makes the process of selecting a term plan more transparent and convenient. Whether you are planning to buy a new term policy or reviewing your existing cover, the HDFC Term Insurance Calculator provides an accurate premium estimate to support your long-term financial planning.

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15 lakh Families Secured
₹13,50,000 Crore of Life Cover Assured
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₹1 Crore Life cover starting from ₹403/month+
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Note: Know more about what is term insurance first before reading this article.

How does the HDFC Term Insurance Premium Work?

The HDFC Term Insurance Premium Calculator 2025 is a simple online tool that shows you how much life cover of term insurance you need and what premium you will pay. By entering basic details such as age, gender, policy term, desired total cover amount, and lifestyle habits like tobacco consumption, the calculator provides an accurate premium amount tailored to the user’s profile.

This tool allows potential policyholders to make informed decisions by comparing different coverage options and selecting a plan that aligns with their financial responsibilities and long-term goals. You don’t need to guess how much cover you should buy. The calculator gives you a realistic premium amount, so you can choose a plan that fits your family’s future needs without overpaying.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

What Are The Details Needed To Use HDFC Term Insurance Premium Calculator?

The following are some of the basic details an individual needs to mention while calculating the premium amount of the policy with the help of the HDFC term plan calculator.

  • Age

  • Gender

  • Life Cover Amount

  • Policy Term

  • Smoking Habits

Life Insurer Details

How To Get a Quote Using HDFC Term Insurance Premium Calculator?

To use the HDFC Term Insurance Premium Calculator 2025, you just need to follow the simple steps below.

Step 1: Visit the Policybazaar Term Insurance Calculator Page

Step 2: Enter the age and gender of the policyholder

Step 3: Enter the chosen life cover and policy term

Step 4: Click on ‘View Plans’ and choose the HDFC Term Plan from the plan list

one crore term plan

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%#

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

What Are The Benefits Of Using HDFC Term Insurance Calculator? 

There are several benefits of using HDFC term plan calculator. Let’s take a look at it.

  1. Easy to Use

    HDFC term plan calculator is a user friendly online tool that helps to evaluate the approximate premium amount by simply entering few details.

  2. Comparative Analysis

    With the help of premium calculator, one can compare the quotes of various life insurance policies and choose the suitable plan as per one’s own requirement and suitability.

  3. Customized Premium

    The estimated premium rates are based on the details entered by the individual and not the suggested standard rates. Based on the coverage amount, policy term and life cover amount chosen the premium amount of the policy varies from customer to customer. The premium rate of the policy also varies depending on the lifestyle choices and the age of the policy buyers. The premium calculator helps to calculate the closet amount to be paid.

  4. Better Knowledge of Product-wise Coverage

    By comparing various products based on the coverage and premium helps to have a proper understanding of the product and the coverage offered by it. By having a better knowledge of the product, the buyers can make an informed choice as per their requirement and suitability.

  5. Time-Saving and Convenient

    The HDFC term plan calculator saves time by providing instant premium estimates without the need for lengthy paperwork or in-person consultations. It allows individuals to explore multiple options at their convenience, helping them make quicker and more confident decisions.

Note: Check out the best term life insurance in India and choose one that suits your requirements.

FAQs

  • How is my HDFC Term Insurance plan premium calculated?

    Ans: Your premium is calculated based on factors such as age, gender, health, and the amount of coverage you choose. Older individuals or those with health risks typically have higher premiums.
  • What are the different factors that affect the HDFC Term insurance premium rates?

    Ans: HDFC Life Term Insurance premium calculation depends on various factors such as age, gender, pre-existing ailment, occupation, and retirement age.
  • How does my age affect the premium rate of HDFC Life Term Insurance?

    Ans: Age is the main factor in determining the premium amount of your HDFC Life Term Insurance plan. The premium rates rise with the increase in age.
  • What is the effect of tobacco users on HDFC Life Term Premium calculation?

    Ans: Smoking or tobacco is harmful to your health as it increases the chances of developing illness/diseases such as lung or throat cancer. If you smoke or use tobacco regularly, you are at high risk of developing a life-threatening disease. So in such cases, you are required to pay higher premium rates as compared to the person paying premium who does not use tobacco.
  • Will my premium change if I add Riders to my HDFC Life Term Insurance Plan?

    Ans: If you add riders to your HDFC Term life plan, the premium amount calculated would rise. Riders provide additional benefits and enhance the coverage of the base term plan. They can be opted by paying an extra cost for the additional benefit it will offer. So, the amount of premium will increase if you add riders to your base plan.
  • How is the Insurance maturity amount calculated?

    Ans: The maturity value can only be estimated; it cannot be exactly calculated. The basic formula to estimate the maturity amount is Sum assured + Bonuses + Final Additional Bonus.
  • Is HDFC Term insurance maturity amount taxable?

    Ans: Any maturity amount of term policy or bonus sum received by the policy’s beneficiary in case of death of the policyholder is fully exempted from any tax deductions.


Premium By Age

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 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. 400/month 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 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/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 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/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 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/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 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 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.

© Copyright 2008-2025 policybazaar.com. All Rights Reserved

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

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HDFC Life Term Insurance Plans Reviews & Ratings

4.5 / 5 (Based on 96 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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