HDFC Term Insurance Calculator

The HDFC Term Insurance calculator is a specifically designed tool, which helps to evaluate the approximate amount of premium one need to pay while purchasing the policy. With the help of HDFC term insurance calculator the policy buyers can make an informed choice and select the plan which offers maximum coverage at lower premium rates. Read further to know in detail about HDFC Term Insurance Calculator.

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Get ₹1 Cr. Life Cover at just ₹411/month*
No medical
checkup required
Save more with
upto 10% discount**
Tax Benefit
Upto Rs. 46800
Life Cover Till Age
99 Years
8 Lakh+
Happy Customers

*Tax benefit is subject to changes in tax laws.

**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Get ₹1 Cr. Life Cover at just ₹411/month*
No medical checkup required
Save more with upto 10% discount**
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What is HDFC Term Insurance Premium Calculator?

The HDFC Term Insurance Premium Calculator is an online tool, which helps to estimate the  approximate premium rate of policy for the chosen sum assured amount. The usage of premium calculator is very simple and easy. An individual can use it multiple time to understand how different factors like policy tenure, sum assured amount will affect the premium rate of the policy.

Details Needed While Using the HDFC Term Insurance Premium Calculator

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

Plan Details

Personal Details

Life Cover Required


Date of Birth

Mobile Number

Premium Payment Term

Smoking Habit


E-mail ID

Policy Tenure

State and City

Process to Use HDFC Term Insurance Calculator

To use the premium calculator, one just need to follow the below mentioned simple steps.

  • Visit the official website of HDFC Life Insurance.
  • Choose the plan you wish to calculate the premium for.
  • Under the plan introduction, one can find a red tab saying ‘Calculate Premium’ click on that.
  • You will be redirected to the new page, where a form will be open.
  • Enter the required details such as date of birth, name, pin code, gender, etc.
  • You will also need to authorize HDFC Life to contact you regarding the plan by ticking the checkbox at the end.
  • Click on the proceed button.
  • Approximate premium amount will be show.

Benefits of Using HDFC Term Insurance Calculator

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

Easy to Use

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

Comparative Analysis

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

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 sum assured amount chosen the premium amount of the policy varies from customer to customer. He 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.

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.

Best term Insurance Plans in India

Term Insurance Premium Rates

Term insurance premium rates are the cost that you pay for buying an insurance policy. It is calculated by specialists known as actuaries. These term insurance premium rates should be adequate and equitable to payout the policy benefits and depend on the degree of risk covered by the company. Term  insurance premium rates are governed by the following factors:

  • Mortality Rate: is an insurer‘s anticipation of deaths among a particular group of insured lives at
    certain ages.
  • Expenses: A term insurance policy’s gross premium is calculated as net premium + loading. The net premium depends on mortality rate, investment earnings, and the lapse rate and loading are the company‘s operating costs.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 36 Reviews)
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HDFC Term Insurance Calculator Reviews & Ratings

4.4 / 5 (Based on 36 Reviews)
(Showing Newest 25 reviews)
, September 02, 2021
Remarkable educative experience
It was my first time buying a term insurance plan. Policy bazaar provided me with a remarkable educational experience as I learned about the quotes generating factors, type of claims, rider facilities and so on. Ultimately I purchased HDFC Life Saral Jeevan Bima for my family.
Atarsumba, February 16, 2021
Quick and subtle
My life has become hassle free when I bought the term insurance plan from the policybazaar. The customer care team of policybazaar is really good. Thank you so much team.
Aul, February 16, 2021
Rider benefits
I availed the rider benefits when I bought the HDFC life term insurance plans. I got it very easily and it has enhanced my term insurance plan. I am happy.
Auraiya, February 16, 2021
Safety shield
My term insurance plan is like a safety shield for me and my family. I bought the hdfc life insurance plan from policybazaar. It has more advantages and my life has become so settle and best. Thanks.
Anjar, September 06, 2016
Worthy Insurance
My friend suggested me a insurance policy which is very nice and has some new features. I buy hdfc term insurance policy in very convenient price. The terms and conditions of the policy is nice and flexible. Policy coverage is high and claims are simple to sanctioned. Service is fantastic with good behaviour.
Haridwar, July 20, 2016
Quality Investment Plan
HDFC standard life insurance is the insurer provides me the term insurance plan in very low investments. Policy cover maximum expenditure and the claims are high which can be sanctioned easily. Updates regarding policy is mailed to me regularly.
Fatehgarh, July 20, 2016
HDFC Term Policy
The hdfc life insurance is one of the best insurance plan, it has maximum coverage and it facilitate the service which is on time. Claiming procedure is very easy due to fast service facilitate by the executives and staff of the company.
Kiratpur, July 20, 2016
Best Term Policy
HDFC term plan is the best insurance policy among all other because it provides much more benefits in low premiums. The online service is very nice and online renewals and updates are easily visit. The executives respond very well and claiming is so simple because of this.
Latur, July 20, 2016
Good Policy Coverage
The insurance i have is hdfc term insurance, it have high policy coverage ~89% and the claims are even better. Service facilitate is awesome and the renewals can be done by online portal service which is very simple to use and anybody can access it.
Dava, July 20, 2016
Term plan
My hdfc life term plan is fantastic with some good benefits like low premiums and high coverage. The service facilitate by the staff members of the company is fast and on time. Claiming get easy due to fast service.
Anantnag, March 13, 2016
information for srevice
Delhi, March 03, 2016
services are very late
services are very late of hdfc
Navi_mumbai, February 16, 2016
Fantastic plan
I purchase the policy of hdfc life insurance term plan and it did work for me. Policy coverage and claims are high ~Rs.31.2 lakh. Service provided is really nice with low premiums i.e., investment is less but the returns are high. Good work.
Plan Name: Click 2 Protect Plus
Agent Code: BEW00148
Bengaluru, February 15, 2016
Recently i purchase life insurance term plan. Policy is awesome with huge benefits like claims and policy coverage is very attractive in respect to premium which is very low. Thank you hdfc standard.
Plan Name: C2P Plus Income Plus II
Agent Code: BBE04807
Gurgaon, February 15, 2016
above average.
I own life insurance term plan from hdfc standard. The policy is good with less premiums. Claims are of Rs.29 Lakh. Policy coverage is around 80%. The services you provide is really works for me. Good job.
Plan Name: Click 2 Protect Plus
Agent Code: BPW00301
Tinsukia, February 15, 2016
Perfect plan...
Best plan ever, Really happy with this policy which has good policy coverage and claim is around thirty lakhs. Hdfc insurance term plan policy provide the best service and the investment is also less.
Plan Name: Click 2 Protect Plus
Agent Code: BPW00301
Navi_mumbai, February 15, 2016
"Bad Customer Service"
I have policy that is hdfc life insurance term plan. Premium is medium and returns is high. Policy coverage is 90% with claim amount ~Rs.25 L. The only problem is service, really very slow service. Please improve it.
Plan Name: Click 2 Protect Plus
Agent Code: BPW00301
Kolkata, February 05, 2016
My friend suggest me to buy life insurance, so i got one from hdfc life. The policy is fantastic with some catchy things like the 95% hospitals are tie up with company of the whole city. Coverage and claims are high.
Plan Name: Click 2 Protect Plus
Agent Code: BPW01312
Hyderabad, February 05, 2016
"Good Plan"
Nice policy with low premiums. Policy cover ambulance charges and the whole treatment. The claim is 80%. The 90% of hospitals are available. Service is fast and regular updates are provided through mails.
Plan Name: Click 2 Protect Plus
Agent Code: BPW01312
Mumbai, February 05, 2016
"Worth Of Paying"
Standard insurance provide me very fine policy with good benefits. The policy coverage is high with 80% cases. Claims is 70% and easily get without any paperwork. The service is slow but done by taking some time. Premium is low. So fine policy.
Plan Name: C2P Plus Income Plus I
Agent Code: BBE06002
Pune, February 05, 2016
I buy life insurance by HDFC standard. The is with gerat benefits. The service providers are so good in there work and the coverage, claims are simple things to get at right time without any delay. Satisfactory policy.
Plan Name: C2P Plus Income Plus I
Agent Code: BPW01312
Gurgaon, February 05, 2016
I have life insurance with hdfc standard. The policy have 100% coverage of all cases. They provide the best customer service, that's why the claiming part become easy and done on time. Great policy.
Plan Name: Click 2 Protect Plus
Agent Code: BBE06002
Pune, February 05, 2016
"Really Good Deal"
Policy purchased by HDFC. Experience is great with services and the policy coverage is 70% of claims. The claims are 80%-90% of the cases. The cashless garages are high. I really am happy with the services.
Plan Name: Click 2 Protect Plus
Agent Code: BBE06765
Pune, February 05, 2016
I got life insurance by Standard. The policy is simple with great benefits, policy coverage is high, claims are around ₹ 20 Lakh. The service really very nice with fast response.
Plan Name: Click 2 Protect Plus
Agent Code: BPW01312
Pune, February 04, 2016
"Average Term Plan"
I got HDFC insurance with my friend advice. The policy is average in all conditions. Policy provide 50-60% coverage and the service is little bit slow. The claims is low but the premium is also low, so that okay for the final payback.
Plan Name: Click 2 Protect Plus
Agent Code: BBE06765
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