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The COVID-19 pandemic brought uncertainty to many aspects of life, including financial security. During these challenging times, many families faced emotional and financial setbacks due to the loss of a loved one. To offer peace of mind and protection, HDFC Life Insurance offers cover on death claims arising due to COVID-19 with its term insurance plans.
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This reassurance helped policyholders stay confident that their families would remain financially protected even in the worst-case scenarios.
Term Plans
Yes, HDFC term insurance covers death due to COVID-19.
HDFC Life has publicly clarified that COVID-related deaths are treated like any other natural death and are eligible for claim settlement under existing term insurance policies, provided the policy is active and premiums have been paid up to date.
This means if a policyholder passes away due to COVID-19 or any of its complications, their nominee can file a term insurance claim and receive the sum assured, just like in the case of any other illness.
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To ensure a smooth HDFC term insurance claim process, the following conditions should be met:
Policy must be active at the time of death.
All premiums must have been paid as scheduled.
Correct disclosures must have been made at the time of buying the policy, including any pre-existing illnesses.
If the policy is within the first 3 years (known as the early claim period), HDFC may conduct a detailed investigation, which is standard for all early death claims.
Here’s how nominees can raise a COVID-19-related death claim:
Inform HDFC Life Insurance about the policyholder's death through their website, toll-free number, or nearest branch.
Nominee must submit the following:
Death certificate (mentioning COVID-19 as the cause of death)
Policy document
Identity proof of the nominee
Hospital records or discharge summary (if available)
KYC documents
Cancelled cheque or bank passbook copy
HDFC Life will review the term insurance claim documents. If everything is in order, the claim is processed, and the payout is made to the nominee’s bank account.
In most cases, the claim is settled within 7–15 working days of submitting all required documents.
HDFC Term Insurance provides a reliable and straightforward solution to protect your loved ones during uncertain times like the COVID-19 pandemic. With COVID-19 death claims being honoured under existing policies, HDFC Life continues to support customers and deliver on its promise of financial protection.
Note: Check all the best term insurance plan in India.
Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.
˜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.
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