HDFC Life Insurance: Buy Best HDFC Life Insurance Plans Online in 2026

HDFC Life Insurance Company Ltd. offers a comprehensive range of individual and group insurance products, including term insurance, savings plans, retirement solutions, and child plans. With a claim settlement ratio of 99.68%, HDFC Life serves individuals and families at different stages of their financial journey. 

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HDFC Life- An Overview

HDFC Life Insurance Company Limited, popularly known as HDFC Life, is among India's first private life insurance companies. It is a leading, listed, long-term life insurance solutions provider in India, headquartered in Mumbai. HDFC Life was initially formed as a joint venture between HDFC Ltd, India's premier housing finance institution, and Standard Life Aberdeen (now Abrdn plc, a UK-based investment company). Following the 2023 amalgamation of HDFC Ltd with HDFC Bank, HDFC Life is now a subsidiary of HDFC Bank. 

Led by the MD & CEO, Vibha Padalkar, the company offers a range of individual and group insurance solutions that meet various customer needs, including Protection, Pension, Savings, Investment, Annuity, and Health. The Company has over 70 products (individual and group) in its portfolio, including optional riders, catering to a diverse range of customer needs. The company maintains a strong claim settlement ratio of 99.68% and has been recognised as a Superbrand for the 10th time (2025–26).

HDFC Life Insurance Company Ltd- Recent Stock Updates

As of May 15, 2026, HDFC Life Insurance Company was trading at around ₹611.55 on the NSE, gaining nearly 0.63% during the session. The stock touched an intraday high of ₹618 and a low of ₹610 while its 52-week range stood between ₹555.10 and ₹820.75.

Why Should I Choose HDFC Life?

HDFC Life Insurance Company Ltd. 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:

  • High claim settlement ratio of 99.68%, reflecting strong reliability

  • Same-day claims processing (within 24 business hours for eligible claims)

  • Trusted by ~5 crore lives insured (FY 2024–25)

  • Strong financial base with ₹3.4 lakh crore+ assets under management

  • Wide presence with 652 branches across India

  • Large coverage scale with ₹13.8 lakh crore sum assured (new business)

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+

Key Features of HDFC Life Insurance

  • Life-stage-based coverage flexibility
    HDFC Life lets you increase your cover at key milestones, such as marriage, childbirth, or home loans. This means your policy can evolve with your responsibilities rather than remain static.

  • Strong digital ecosystem for policy management
    From buying a plan to tracking claims or switching ULIP funds, most services are handled online through a single platform. This reduces dependency on agents and speeds up servicing.

  • Early-stage financial support in critical situations
    Certain plans provide early payouts upon diagnosis of a terminal illness or serious condition, helping families manage immediate medical and lifestyle expenses without waiting for full claim settlement.

  • Dedicated solutions for different customer segments
    Whether it’s salaried individuals, self-employed professionals, or NRIs, HDFC Life offers tailored underwriting, documentation flexibility, and plan variants suited to different income patterns and financial profiles.

HDFC Life Insurance Plans

HDFC Life Insurance offers various types of life insurance plans to meet the needs of policyholders. Let's look at the plans provided by HDFC Life Insurance Company: 

HDFC Term Insurance Plans

The HDFC term insurance policy provides comprehensive coverage by offering a large sum assured at pocket-friendly premium rates. You can customize and enhance the base term plans by including additional riders in the base plan. It provides a death benefit in the event of the policyholder's untimely death during the policy term.

Best Term Insurance plans offered by HDFC Life in 2026

Term Insurance Plans Age of Entry Age of Maturity Min. Sum Assured
HDFC Life Click 2 Protect Supreme Plus 18-85 years 18-85 years Rs. 10 Thousand
HDFC Life Click 2 Protect Elite Plus 18-45 years 28-85 years Rs. 50 Lakhs
HDFC Life Click 2 Protect Life 18-65 years 28-75 years Rs. 50 Thousand
HDFC Life Click 2 Protect Ultimate  18-50 years 18-85 years Rs. 1 Crore
HDFC Life Sanchay Legacy  40-65 years Whole Life Single Pay: 1.25 times the single premium

Limited Pay: 7 times the Annualised Premium 

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

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HDFC Savings Plans

HDFC Life Insurance offers traditional saving plans that provide guaranteed returns at regular intervals to help you fulfill your financial goals. You can also enhance the life cover from these plans by including riders in the base plan and start saving on yearly taxes as per the prevailing tax laws.

Savings Plans offered by HDFC Life 

Life Insurance Policy Age of Entry Maturity Age Policy Tenure
HDFC Life Click 2 Achieve Par Advantage 30 days-65 years 85 years 10-40 years
HDFC Life Click 2 Achieve 30 days - 13 years 23 years 10 - 23 years
HDFC Life Sanchay Par Advantage 30 days - 65 years 100 years 100 - entry age
HDFC Life Guaranteed Income Insurance Plan 30 days - 65 years 99 years 16 - 40 years
HDFC Life Sanchay Plus 5 - 60 years 80 years 5 - 20 years
HDFC Life Sanchay Fixed Maturity Plan 90 days - 70 years 90 years 5 - 40 years
HDFC Life Guaranteed Wealth Plus 3 - 60 years 101 years 12 - 41 years
HDFC Life Saral Jeevan 30 days - 65 years 85 years 5 - 20 years
HDFC Life Sampoorna Jeevan 3 - 60 years 100 years (100 - entry age) years
HDFC Life Guaranteed Savings Plan 8- 55 years 65 years Single Pay: 5, 7, 10 and 15 years Limited Pay: PPT 5, 6, 7: PT 10, 12, 15 and 20 years 
HDFC Life Uday 18 - 55 years 70 years 12 - 15 years
HDFC Life Assured Gain Plus 3 - 65 years 80 years 10, 12, or 15 years

HDFC ULIP Plans

HDFC Life ULIP plans are designed to create wealth and provide long-term protection. These plans invest part of the premium amount in the market, and the remaining part is used to provide insurance against eventualities. You can choose the funds you want to invest in and get returns based on your risk appetite.

ULIP Plans offered by HDFC Life in 2026 are:

HDFC Life ULIP- Policy Age of Entry Maturity Age Policy Tenure
HDFC Life Sampoorna Nivesh Plus 30 days - 65 years 18- 85 years 10 - (85 - entry age) years
HDFC Life Click 2 Wealth 30 days - 60 years 18- 99 years 10 - (99 - entry age) years
HDFC Life Click2Invest 30 days - 65 years 18-99 years 5 - 40 years
HDFC Life Smart Protect Plus 30 days-60 years 25-99 years 25-(99- entry age) years

HDFC Retirement Plans

HDFC Life Insurance offers two types of retirement plans: Annuity Plans and Pension Plans. With an annuity plan you can secure a regular income for yourself even after the end of your monthly salary and with pension plans, you can create a corpus for a stress-free retirement.

Retirement and Pension Plans offered by HDFC Life

HDFC Life Retirement/Pension Plans Entry Age Maturity Age Policy term 
HDFC Life Click 2 Retire Plus 18-65 years Secure : 45-75 years | Flexi : 45- 75/ 99 years Secure : 10-35 years | Flexi : 10-35years/ 99-age at entry
HDFC Life Smart Pension Plan 18–70 years 40-80 years 5-55 years
HDFC Life Sanchay Aajeevan Guaranteed Advantage Plan 18-70 years 40-80 years 5-30 years | For 2 and 3 Pay: 15-30 years
HDFC Life Guaranteed Pension Plan 18-70 years 40-80 years 8-40 years
HDFC Life Systematic Pension Plan 18-70 years 40-80 years 5-40 years

HDFC Child Plans

HDFC Life Insurance offers child insurance plans to help secure their child's future. These plans offer a financial benefit in case of your unfortunate death. The payout from these plans can be used to pay for the child's higher education and marriage.

Best Child Life Insurance Plans offered by HDFC Life

Life Insurance Policy Age of Entry Maturity Age Policy Tenure
HDFC Life Sampoorna Nivesh Plus 30 days - 65 years 18- 85 years 10 - (85 - entry age) years
HDFC Life Click 2 Wealth 30 days - 60 years 18- 99 years 10 - (99 - entry age) years
HDFC Life Click 2 Achieve 30 days - 13 years 23 years 10 - 23 years

Benefits of HDFC Life Insurance Plans

The HDFC Life Insurance benefits are as follows:

  • Financial Protection

    HDFC Life policies provide high sum assured amounts at competitive, affordable premium rates, ensuring family financial security.

  • Dual Advantage of Wellness and Protection

    With the HDFC Life LiveWell Rider, you get comprehensive life cover against death, disability, terminal illness, and wellness rewards. Policyholders gain access to 1 lakh+ doctors, 500+ hospitals, and 360+ NABL-accredited labs for preventive check-ups, teleconsultations, and diagnostics. Healthy habits are also rewarded through wellness benefits worth 100% of the annual rider premium, redeemable for OPD visits, lab tests, and more.

  • Wealth Creation

    Beyond protection, HDFC Life plans allow you to build a long-term corpus. These savings and investment plans help beat inflation and fund major life goals like your child's higher education, marriage, or retirement.

  • Wide Range of Products

    From term insurance and ULIPs to child, retirement, and savings plans, HDFC Life offers a diverse portfolio to meet different financial needs. You can explore the HDFC Life plans list online and pick the policy best suited to your goals.

  • Flexible Payout Options

    HDFC Life Insurance plans offer the flexibility to receive benefits in lump sum, regular income, or a combination, with specialised options such as immediate or deferred income available.

  • Return of Premium (TROP):

    Some HDFC Life term insurance plans offer a Return of Premium (TROP) feature, which refunds all premiums paid at maturity if the policyholder survives the policy term—combining life cover with a savings element.

  • Affordable Premiums

    Life plans are priced to fit different budgets, making quality life coverage accessible. With the recent GST reduction to 0% from 22nd September 2025, the overall cost of premiums will become more economical, helping you protect your family without extra financial burden.

  • Easy Online Purchase

    HDFC Life Insurance offers the most affordable premium rates for life insurance plans. You can save more on your life insurance premiums by purchasing the plans online. Several life insurance companies in India offer lower premium rates online because there is no agent commission on an online policy.

Life Insurer Details

Why Choose HDFC Life Insurance Over Other Insurers?

Choosing a life insurance company isn’t just about brand name; it comes down to flexibility, pricing, and how easy it is to manage your policy over time. Here's where HDFC Life stands out compared to other insurers in India:

  • Flexible plans that adapt to different needs

    HDFC Life offers a wide mix of term, ULIP, and savings plans with multiple variants. This matters because not every buyer fits into a standard plan. Whether you want pure protection, investment-linked growth, or a mix of both, you’ll usually find more customisation options here than with many insurers that offer limited structures.

  • Smooth online buying and servicing

    With HDFC Life's digital-first approach, approximately 93% of retail policies are issued digitally, and many customer service requests are handled through digital or AI-based tools.

  • Flexible rider options for better coverage

    Compared to basic policies offered by some insurers, HDFC Life allows you to enhance your cover with riders like critical illness, accidental death, and waiver of premium, helping you build more comprehensive protection 

  • Works for both beginners and experienced buyers

    If you're buying life insurance for the first time, the plan structure is relatively easy to understand. And if you're someone comparing advanced options like ULIPs or long-term savings plans, there’s enough depth to make it worth considering.

  • Strong and consistent claim settlement performance

    Most top insurers today show high claim settlement ratios, but consistency matters. HDFC Life has maintained a solid track record over the years, giving buyers greater confidence that claims will be handled efficiently when it matters.

Claims Settlement Ratio of HDFC Life Insurance for the past 5 years

The claim settlement ratio is a measure of an insurance company's credibility and integrity and is an important consideration when choosing an insurance provider. Here is HDFC Life Insurance's 5-year claim settlement ratio.

Financial Year Claim Settlement Ratio
FY 2024-25 99.68%
FY 2023-24 99.50%
FY 2022-23 99.30%
FY 2021-22 98.70%
FY 2020-21 98%
FY 2019-20 99.10%

How Much HDFC Life Insurance Cover Do You Need?

As a general rule of thumb, you should opt for an HDFC Life insurance cover that is 10 to 20 times your annual income to ensure adequate financial protection for your family. For example, if your annual income is ₹10 lakh, a term insurance plan of ₹1 crore or more is advisable. 

For example, if you are a 20-year-old with an annual income of Rs. 10 Lakhs. To ensure that your loved ones are taken care of in your absence, you should consider a sum assured of around 20 times your annual salary, i.e., Rs. 2 Crore. In case of his unforeseen demise during the policy tenure, his family members will be provided with a death benefit of Rs. 2 Crore. 

How to Buy HDFC Life Insurance Online from Policybazaar in 2026?

Here is how you can buy HDFC Life insurance online in India:

Step 1: Go to the Policybazaar life insurance page.

Step 2: Choose the type of life insurance you want, such as term insurance, ULIP, child plan, or retirement plan.

Step 3: Enter your basic details, including name, gender, date of birth, and mobile number.

Step 4: Provide additional information, such as occupation type, educational qualification, smoking habits, and annual income, to get accurate premium quotes.

Step 5: Browse the recommended HDFC Life policies, select the one that suits your needs, and proceed to pay online.

What Documents are Required To Buy HDFC Life Insurance?

  • Government-approved identity proofs: Aadhar card, PAN card, passport, voter ID, driving license, etc.

  • Address proof: PAN card, Adhaar card, driving license, voter ID, passport, etc

  • Proof of income: Salary income, ITR/Form 16, bank statement, audited company accounts of last 3 years, CA certificate, rent receipts, mandi receipts, indian/foreign bank statements

  • KYC documents: Insurance policy contracts with companies, insurance contracts with partnership firms, insurance contracts with trusts and foundations, insurance contracts with HUFs

How to Pay HDFC Life Insurance Premium Online?

Follow these steps to pay your HDFC Life Insurance premium payment online easily and securely:

Step 1: Visit the official HDFC Life website and go to the "Pay Premium" or "Online Payment" section. 

Step 2: Enter your Policy Number and Date of Birth (DD/MM/YYYY) in the respective fields.Step 3: Select from various payment options such as debit/credit card, net banking, UPI, or e-wallets.

Step 4: Review the premium amount and confirm your payment. Ensure that your PAN or Form 60 is updated for compliance.

Step 5: Complete the transaction. Payments made after 3:00 PM IST will have the premium receipt generated in "My Account" the next working day.

How To Pay HDFC Life Insurance Premium Offline?

To pay your HDFC Life Insurance premiums offline, you can choose any of the below method

  • HDFC Life Branches: You can pay by cash, cheque, demand draft, debit/credit card, or QR code scan.

  • Partner Bank Branches: Selected Axis Bank, ICICI Bank, and South Indian Bank branches accept payments via cheque (local only) or cash.

  • Drop Boxes: You can Drop a cheque or a demand draft (payable to “HDFC Life Policy No. XXXX”) in the designated drop boxes across major cities.

  • NEFT/RTGS/IMPS: Add HDFC Life as a beneficiary in your bank account and transfer premiums electronically.

What is the HDFC Life Insurance Claim Settlement Process?

The HDFC Claim Settlement Process is quick and easy. Follow the process below to ensure a smooth and timely claim settlement.

  • Claim Initiation: The nominee needs to initiate the claim with the HDFC Life Insurance Company as soon as the policyholder passes away. They need to attach all the required documents and submit the duly filled claim form to the insurer.

  • Claim Verification: The insurer will verify the claim and the details in the claim form.

  • Claim Settlement: The insurer will disburse the claim amount into the nominee's bank account upon successful verification.

Documents Required To Claim HDFC Life Insurance

Type of Death Claim Documents Required
Natural Death
  • Original policy bond
  • Death claim form 
  • Govt. issued death certificate
  • Authorized medical records of the life assured at the time of death
  • Identity proof of the claimant and the deceased policyholder
  • Passport photos of the claimant
  • PAN Card and Valid Address proof of the claimant
  • Cancelled cheque of the claimant
  • Employer certificate of the life assured
  • Address proof
  • NEFT account details
Unnatural Death
  • Original policy bond
  • Death claim form 
  • Govt. issued death certificate
  • Police inquest report / FIR
  • Identity proof of the claimant and the deceased policyholder
  • Post mortem report
  • NEFT account details
Death due to Natural Calamities / Disasters
  • Original policy bond
  • Death claim form 
  • Govt. issued death certificate
  • Identity proof of the claimant and the deceased policyholder
  • Claimant’s address proof, PAN card, and canceled cheque
  • Address proof
  • NEFT account details
Claims due to Critical Illnesses
  • Original policy bond
  • Critical illness claim form
  • Address proof 
  • Identity proof
  • Recent medical records
  • NEFT account details
  • Claimant’s personal information

Also Read: HDFC Life Claim Rejection Reasons to ensure that your HDFC Life Insurance claim gets approved without issues:

AI Prompts Customers Search For

Created with AI. Errors are possible
How does HDFC term insurance for self-employed people differ from salaried individuals?

HDFC term insurance for self-employed individuals differs from salaried plans by focusing on flexible premium payments (including single, limited, or regular pay) to accommodate irregular income, along with higher underwriting flexibility that requires documentation such as ITRs, bank statements, or business documents rather than just salary slips.

How to check HDFC Life Insurance Policy Details?

You can check your HDFC Life policy details online through the HDFC Life "My Account" portal using your policy number and date of birth. Other quick methods include the HDFC Life Mobile App, sending an SMS, or using the missed call service by dialing 08000006609 from your registered mobile number.

How do I check the claim settlement ratio of HDFC Life Insurance?

To check the HDFC Life Insurance claim settlement ratio (CSR), visit the official HDFC Life website to find the latest annual data. You can also review the IRDAI (Insurance Regulatory and Development Authority of India) annual reports for verified industry-wide data. The ratio represents the total claims settled against total claims received.

What are some popular term insurance plans with critical illness cover?

HDFC Life Insurance Company Limited offers term insurance plans where critical illness (CI) cover is available either as an in-built feature or as an add-on rider. This cover provides a lump sum payout on diagnosis of specified serious illnesses such as cancer, heart attack, stroke, or kidney failure.

Popular HDFC Term Plans with Critical Illness Cover

  • Click 2 Protect Supreme Plus
  • HDFC Life Click 2 Protect Elite Plus
  • HDFC Life Click 2 Protect Life

How to Contact HDFC Life Insurance Company

Query Type Contact Details
General Customer Service (Existing Policyholders) Call: 022-68446530

Email: service@hdfclife.com

Time: Mon–Sat, 10 am–7 pm IST

NRI Customers (Buying a Policy) Call: +91-8916613503

Email: buyonline@hdfclife.in

Charges apply; 24/7 availability for email support

NRI Customers (After Policy Issue) Call: +91-8916694100

Email: nriservice@hdfclife.com

Time: Mon–Sat, 10 am–9 pm IST

Online Policy Purchase Help Toll-free Number: 1800-266-9777

WhatsApp: +91-8291-890-569

Missed-call: +91-9980970424

Digital Tools & Chat Support Chat with “Etty” (Website & WhatsApp) for policy queries in multiple Indian languages

24/7 via website and WhatsApp bot

Get quick access to policy details.

Receive answers to over 200 policy-related queries.

Enjoy fast and secure support in 9 languages.

Branch Locator & Physical Visit Find your nearest branch via their branch locator tool on the website

How to Contact HDFC Life Through Social Media Channels? 

Instagram

HDFC Life Insurance is active on Instagram as HDFC Life (@hdfclife), with over 118K followers and 1,700+ posts. The page regularly shares financial tips, product updates, customer stories, and awareness content around insurance and planning.

How to contact them on Instagram?

  • Open the Instagram app or download it from the Google Play Store / Apple App Store

  • Search for @hdfclife and open the official profile

  • Tap on the Message button to send a direct message (DM)

  • You can also comment on their posts for general queries or visibility

Twitter (X)

HDFC Life Insurance is also available on Twitter (X) through its official handle @HDFCLIFE, where it shares updates and responds to customer queries in real time.

How to contact them on Twitter?

  • Open the Twitter (X) app or website

  • Search for @HDFCLIFE

  • Tag them in a tweet or send a Direct Message (DM)

  • This platform is useful for faster responses and complaint follow-ups

Facebook

HDFC Life Insurance has a strong presence on Facebook, with over 6.1 million followers, and regularly posts updates, campaigns, and customer-focused content.

How to contact them on Facebook?

  • Open or download the Facebook app

  • Search for HDFC Life Insurance

  • Use Messenger to send your query

  • You can also comment on posts for visibility

YouTube

HDFC Life Insurance is active on YouTube, where it has built a strong digital presence since joining on April 20, 2011. The channel has over 119K subscribers, 1,040+ videos, and more than 2.3 billion views, featuring educational content, product explainers, customer stories, and awareness campaigns around insurance and financial planning.

How to contact them on YouTube?

  • Open or download the YouTube app

  • Search for HDFC Life Insurance

  • Visit the official channel and go through their content

  • Use the Comments section on videos to post queries

  • You can also check the About section for additional contact details or links to official support channels

HDFC Life Insurance Company Ltd- Recent Stock Updates

As of May 4, 2026, HDFC Life Insurance (HDFCLIFE) stock is trading around ₹587–₹594, reflecting a recent downturn with significant downward pressure and a 1-month decline of over 0.5%. Despite technical weakness and a ~21% decline over six months, analysts maintain a "Strong Buy" consensus, citing a high potential upside of 34% from the current level

FAQs

  • Q. What is HDFC Life?

    HDFC Life Insurance is engaged in carrying out the life insurance business. It offers a range of group and individual insurance solutions.
  • Q. What is the HDFC Life Insurance Scheme?

    HDFC Life provides a comprehensive range of plans, such as term plans for financial protection, retirement and pension plans for income after retirement, and savings and investment plans, such as ULIPs, for wealth creation.
  • Q. How to surrender (cancel) HDFC Life Insurance policy online?

    To submit the deactivation/ cancellation/ surrender request, fill out the mandate deactivation form available at the HDFC Life branch at least fifteen days before the due date. You can also place a surrender request online by logging into your HDFC account and clicking the ‘cancel policy’ button.
  • Q. How to withdraw HDFC Bank Life Insurance policy?

    Follow the below steps to make a partial withdrawal from your HDFC Life Insurance policy:
    You need to provide the reason for partial withdrawal and submit the form for the same at the nearest branch of HDFC Life Insurance with the following documents:
    • Original documents of the policy
    • Copy of YPD or CI submitted for the request of withdrawal (it is recommended to carry all the original documents for the verification).
    • Insured's canceled cheque.
    • If the canceled cheque is unavailable or does not have the policyholder's pre-printed account number and name, then the passbook copy and bank statement with the pre-printed account number and name are required.
    • ID proof like Aadhar card, PAN card, Voter ID, Driving License, etc.
    • Pay-out form.
    • Details of the NRE bank statement reflecting the premiums paid from the NRE account.
    • Current contact details of the policyholder.
  • Q. How to get the premium receipt of HDFC Life Insurance?

    Ans: You can get the HDFC term insurance premium receipt by logging in to the MyAccounts section of the HDFC Life website. The premium receipts paid after 3 PM will be available on the website the next working day. You can get your HDFC Life premium receipts by following the steps below:
    • Step 1: Visit the HDFC Life webpage and click on ‘Login’ 
    • Step 2: Enter into your HDFC Life insurance policy account using your client ID and date of birth.
    • Step 3: Select to download the HDFC Life Insurance premium payment receipt
  • Q. How to stop auto-debit from HDFC Life?

    To deactivate the mandate auto-debit from your account and stop the payment of the premiums, follow the below steps:
    Drop an email having a subject line as ‘Need to Deactivate auto-debit – Policy Number ' to Service[at]HDFCLife.com.
    Go to the nearest HDFC Life branch and fill the ECS mandate's deactivation form.
  • Q. How to link aadhaar with HDFC Life Insurance?

    As per the recent guidelines of IRDAI and Indian Government, linking your Aadhaar Card number with the insurance policy is compulsory. Below are the steps to link your HDFC Life Insurance policy with Aadhaar Card:
    Step 1: Login to your HDFC account by following this link – myaccount@hdfclife[dot]com/login
    Step 2:Select the ‘Update Aadhaar' option in the ‘My Policy' section.
    Step 3: Provide your policy number and number of your Aadhaar Card and click ‘Submit’.
    The Aadhaar Card number can also be updated by visiting the nearest branch of HDFC Life.
  • Q. How can I find HDFC Bank Life Insurance near me?

    You can find the nearest HDFC Life Insurance branch by using the branch locator on the official HDFC Life website. Alternatively, you can search "HDFC Life Insurance near me" on Google Maps or call customer support for assistance.
  • Q. What is the HDFC Life Insurance App, and what can I do with it?

    TAns: The HDFC Life Insurance App is a mobile app that lets HDFC Life policyholders conveniently manage their insurance policies on their smartphones. With the app, you can:
    • View policy details and download policy documents.
    • Make premium payments and set up auto-pay.
    • Track fund performance for ULIPs.
    • Update personal details like address and nominee information.
    • Check claim status and file claims online.
    • Access policy renewal and loan options.
    • Contact customer support for assistance.
  • Q. What is the HDFC Life Insurance renewal process?

    Below are the steps to renew your HDFC term Insurance policy:
    • Step 1: Visit the Policybazaar’s website. 
    • Step 2: Click on the ‘Renewal’ option available in the top right corner of the page
    • Step 3: Select ‘Life Renewal’ as the option. 
    • Step 4: Click HDFC Life Insurance as your insurer and fill in your policy number and date of birth
  • Q. Is HDFC Bank Life Insurance good or bad?

    Ans: HDFC Life Insurance is a good insurer for buying life insurance plans. The company's CSR was 99.68% for FY 20224-25, indicating that it settled most of the claims received during the year. HDFC Life Insurance customer care services are available 24*7, helping customers resolve policy issues.
  • Q. What is the share price of HDFC Life Insurance Company?

    Ans: As of the latest update, the share price of HDFC Life is approximately ₹596.70.
  • Q. How can I buy shares of HDFC Life Insurance Company?

    You can buy shares through a stockbroker or an online trading platform that lets you trade on the NSE.
  • Q. When will the HDFC Bank Life Insurance Share price rise?

    The price of HDFC Bank Life Insurance shares changes based on how the market is doing, how well the company is doing, and how the economy is doing.The share price of HDFC Life Insurance is affected by things like its financial results, interest rates, and how investors feel about it.
  • Q. What is HDFC Insurance Company's dividend policy?

    HDFC Life Insurance Company wants to give shareholders steady dividends, but the amount may change depending on how well the company does and what the board decides.
  • Q. How much GST do I have to pay on my HDFC Life Insurance premium?

    The Goods and Services Tax (GST) on all individual life insurance premiums, including those from HDFC Life, will be 0% as of September 22, 2025. This means you don't have to pay GST on your life insurance premiums anymore.
  • Q. I want to change the residential address in my HDFC Life Insurance policy. What is the process for doing it online?

    Ans: Follow the steps below to change the address in your HDFC Life Insurance policy online:
    • Step 1: Visit myaccount[dot]hdfclife[dot]com 
    • Step 2: Login by using your client id and password. 
    • Step 3: Click on proceed and enter the OTP received on the registered email or mobile number. 
    • Step 4: Click on Login 
    • Step 5: Click on the ‘MyAccount’ button and select contact details 
    • Step 6: Click on the edit icon and change the mailing address/permanent address
  • Q. Is it necessary to pay the full premium for the first year of HDFC Life Insurance?

    Yes, you need to pay the first premium in full to activate your HDFC Life Insurance policy. Without this payment, the policy will not be issued. Once the first year’s premium is paid, you can choose a convenient payment mode for future premiums—yearly, half-yearly, quarterly, or monthly—depending on the plan and options available. Always check your policy document for the permitted premium payment frequency.
  • Q. How can I access the Exide Life Insurance login after the merger with HDFC Life?

    The Exide Life Insurance login is now available for former Exide Life customers through HDFC Life’s customer portal. To log in, visit the HDFC Life – Services for Former Exide Life Customers page. Using this portal, you can:
    • Pay premiums online or set up auto-debit.
    • View your policy summary and update details like bank account, PAN, or contact information.
    • Download premium receipts, tax certificates, and policy statements.
    • Track service requests, applications, or claims.
    • Check unclaimed amounts linked to your policy.
    This Exide Life Insurance login via HDFC Life ensures that all your existing policies and services continue without interruption.
  • Q. Who is the CEO of HDFC Life?

    Ans. Vibha Padalkar is the Managing Director and CEO of HDFC Life.
  • Q. How can I get the HDFC Bank Life Insurance maturity amount?

    Ans: You can get your HDFC life insurance maturity amount by submitting the required documents of the maturity claims on outliving the policy term. On verification of the proper documentation, the company will settle the claim by transferring the maturity amount to your bank account. You can contact the company for maturity claim settlement in the following ways:
    • On Call: 1860 267 9999 (Local charges apply)
      : 022-68446530 (STD charges apply)
      : +918916694100 (NRI)
    • On email: service@hdfclife[dot]com
      : nriservice@hdfclife[dot]com
  • Q. Which is better, LIC or HDFC Life?

    It depends on what you’re looking for. Life Insurance Corporation of India is known for its strong government backing and traditional plans, while HDFC Life Insurance stands out for its digital experience, flexible plans, and modern product range like ULIPs. If you prefer stability and trust, LIC is often chosen. If you want flexibility and online convenience, HDFC Life may be a better fit.
  • Q. What is HDFC Bank?

    HDFC Bank is a Certified Corporate Agent as per IRDAI guidelines and has partnerships with 9 insurance companies to offer a wide range of life, general, and health insurance products.
  • Q. Who are the Life insurance partners of HDFC Bank?

    • HDFC Life Insurance Company Ltd.
    • Tata AIA Life Insurance Company Ltd.
    • Aditya Birla Sun Life Insurance Company Ltd.
  • Q. Who are the General Insurance Partners of HDFC Bank?

    • HDFC ERGO General Insurance Company Ltd.
    • Bajaj Allianz General Insurance Company Ltd.
    • Go Digit General Insurance Company Ltd.
    • ICICI Lombard General Insurance Company Ltd.
  • Q. Who are Standalone Health Insurance Partners of HDFC Bank

    • Aditya Birla Health Insurance Company Ltd.
    • Niva Bupa Health Insurance Company Ltd.
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Author's Bio
Varun Agarwal
Varun Agarwal Head - Term Insurance

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

Write to Varun

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance 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

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. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+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 2008-2026 policybazaar.com. All Rights Reserved

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

Choose Term Insurance Plan as per you need

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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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