HDFC Life Insurance

HDFC Life Insurance Company Limited is one of India's leading life insurers. It was set up in 2000 as a joint venture between HDFC Ltd. and Standard Life Aberdeen. The company offers term insurance, savings plans, investment plans, pension plans, annuity plans, and group insurance covering most of the financial protection needs a family might have. HDFC Life is known for its strong claim settlement record and reliable customer service, with a Claim Settlement Ratio of 99.72% for FY 2025–26, reflecting its commitment to supporting policyholders and their families during claim situations.

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

HDFC Life Insurance

HDFC Life Insurance Company Limited is one of India's leading life insurers. It was set up in 2000 as a joint venture between HDFC Ltd. and Standard Life Aberdeen. The company offers term insurance, savings plans, investment plans, pension plans, annuity plans, and group insurance covering most of the financial protection needs a family might have. HDFC Life is known for its strong claim settlement record and reliable customer service, with a Claim Settlement Ratio of 99.72% for FY 2025–26, reflecting its commitment to supporting policyholders and their families during claim situations.

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Insurer Highlights
  • Claim Settlement Ratio

    99.7

  • No. of Branches

    535 Branches

  • Claim Settlement Promise

    24 Hours

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HDFC Life- Company Overview

HDFC Life offers a wide range of individual and group insurance plans, including protection, savings, investment, pension, annuity, and health solutions. With a strong presence through 652 branches across the country, the company serves millions of customers with solutions designed for different life stages and financial goals. HDFC Life has also been recognized as a Superbrand for the 10th consecutive time, reflecting its strong reputation, customer trust, and consistent performance in the Indian insurance industry.

Why Buy HDFC Life Insurance?

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 99.72%,(for FY 2025-26) 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)
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HDFC Life Insurance Share Price Today- Stocks

As of 17 July, HDFC Life Insurance Company shares were trading at ₹575.00 on the NSE, up 1.30% during the trading session.

Day Change Day High Day Low 52-Week High 52-Week Low Opening Price
+1.30% ₹577.20 ₹565.80 ₹820.75 ₹543.00 ₹568.30

HDFC Life Insurance Plans

HDFC Life Insurance offers various insurance plans to meet the needs of policyholders. 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 at varying stages of severity, including specific cancer stages, 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 Life Term Plan Riders are optional add-ons to your base term insurance policy. For a nominal extra premium, they enhance your coverage by providing financial protection against specific life events such as critical illnesses, accidental disabilities, or the inability to pay premiums. Here are the important term insurance riders available with HDFC term insurance plans:

Accidental Death Benefit (paid)Permanent and Partial Disability Benefits (paid)
Critical Illness Benefit (paid)Waiver of Premium (paid)
Income Benefit (paid)Terminal Illness Rider (paid)
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How Much Term Cover Do I Need?

Determining the right sum assured for your life insurance is crucial to securing 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:

Benefits of HDFC Life Insurance Plans

The HDFC Life Insurance benefits are as follows:

  • 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.

  • Life-stage coverage that grows with you
    HDFC Life lets you increase your cover at key milestones, marriage, childbirth, or a home loan, so your policy evolves with your responsibilities. Plans like HDFC Life Sanchay Plus also offer guaranteed income up to age 99, helping you fund long-term goals like your child's education or retirement.

  • Wealth creation beyond protection
    HDFC Life's savings and ULIP plans invest a portion of your premium in market-linked or guaranteed instruments, helping your money beat inflation over time. A Return of Premium (TROP) option is also available on select term plans, if you outlive the policy term, all premiums paid are refunded.

  • 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.

  • 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.

  • 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.

  • Guaranteed Income & Returns

    HDFC Policies, such as HDFC Life Sanchay Plus, offer guaranteed income up to age 99, with long-term options (25-30 years) and guaranteed maturity benefits, ensuring financial stability.

  • Special Benefits for Women
    Female policyholders can get lower premium rates, additional online discounts, and access to women-focused plans that cover pregnancy complications, congenital conditions, critical illnesses, and premium waiver benefits during major life events.

Types of 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

Let’s understand HDFC Term Insurance Plan in detail:

HDFC Life Click 2 Protect Supreme Plus

Designed to provide comprehensive financial protection, HDFC Life Click 2 Protect Supreme Plus helps secure your family’s future with flexible coverage options and customizable benefits.

Key features of HDFC Life Click 2 Protect Supreme Plus:

  • One-Year Premium Deferment: Pause your premium payment for up to a year if you're going through financial difficulty (extra benefits for women).

  • Parent Secure & Parent Protect Care: Extend protection to your parents or grandparents with a lump sum followed by regular income.

  • Terminal Illness Benefit: Get an early payout if diagnosed with a covered terminal illness (available up to age 80).

  • Increase your death benefit by up to 200%, or adjust it as your needs change.

  • Return of Premium Option: Get all your premiums back if you outlive the policy term

HDFC Life Click 2 Protect Elite Plus

Suitable for individuals looking for enhanced financial security, HDFC Life Click 2 Protect Elite Plus provides life cover with flexible benefits, including premium return options and additional policy features.

Key Features of HDFC Life Click 2 Protect Elite Plus:

  • Smart Exit Benefit: Exit the policy after the 25th policy year and receive all premiums paid back, subject to policy terms.

  • Return of Premium Option: Receive 100% of the premiums paid on surviving the policy term by opting for the Return of Premium benefit.

  • Immediate Claim Payout: An instant payout of ₹5 lakh is provided upon claim intimation (subject to eligibility), helping families manage urgent financial needs.

  • Premium Break Benefit: Defer premium payments for up to 12 months after completing the required policy period without losing coverage.

  • Flexible Premium Payment Terms: Choose a premium payment option that best matches your financial goals and affordability.

HDFC Life Click 2 Protect Life

HDFC Life Click 2 Protect Life is a flexible term insurance plan that offers comprehensive financial protection with multiple coverage options to suit different life goals.

Key Features of HDFC Life Click 2 Protect Life:

  • Whole Life Cover Option: Choose coverage for a fixed policy term or extend protection for your entire lifetime.

  • Three Flexible Plan Options: Select from Life Protect, Life & Critical Illness Rebalance, or Income Plus based on your financial needs.

    • Life Protect: Provides life cover at affordable rates. Best if you just want basic protection.

    • Life & Critical Illness Rebalance: Combines life cover with critical illness protection, adjusting the balance between the two over time. Best if you're worried about both death and serious illness.

    • Income Plus: Adds a regular income payout starting from age 60, on top of life cover. Best if you want your family to receive steady income rather than a lump sum.

  • Regular Income from Age 60: Opt to receive guaranteed income payouts from age 60 under the Income Plus option.

  • Return of Premium Benefit: Get back 100% of the premiums paid on surviving the policy term by choosing the Return of Premium option.

  • Premium Payment Flexibility: Convert a regular pay policy into a limited pay option during the policy term, subject to eligibility.

HDFC Life Click 2 Protect Ultimate

HDFC Life Click 2 Protect Ultimate is a comprehensive term insurance plan that offers life cover with built-in terminal illness protection.

Key Features of HDFC Life Click 2 Protect Ultimate:

  • Built-in Terminal Illness Benefit: Receive an accelerated death benefit if diagnosed with a specified terminal illness up to the age of 80 years.

  • Return of Premium Option: Get back 100% of the premiums paid if you survive the policy term and choose the Return of Premium option.

  • Flexible Death Benefit Payout: Nominees can choose to receive the death benefit as a lump sum or in instalments.

  • 100% Claims Assurance: Designed with a transparent and hassle-free claims process to provide greater confidence at the time of claim.

  • Flexible Premium Payment Options: Choose from single pay, limited pay, or regular pay options based on your financial preferences.

HDFC Life Sanchay Legacy

Choose HDFC Life Sanchay Legacy if you want lifelong protection along with a structured approach to building financial security for your family’s future.

Key Features of HDFC Life Sanchay Legacy:

  • Whole Life Cover: Provides lifelong financial protection to help secure your family's future.

  • Early Return of Premium Benefit: Receive the return of premiums at age 85 or opt for payouts in instalments under the RoP option.

  • Critical Illness Benefit: Get an accelerated death benefit on the diagnosis of any of the 19 covered critical illnesses.

  • Flexible Death Benefit Payout: Choose to receive the death benefit as a lump sum or in instalments.

  • Premium Reduction Option: Reduce your premium amount after completing five policy years, subject to the plan terms.

HDFC Savings Plans

HDFC Life Insurance offers traditional savings 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

Let’s understand HDFC Savings Insurance Plan in detail:

HDFC Life Click 2 Achieve Par Advantage

HDFC Life Click 2 Achieve Par Advantage is a participating savings life insurance plan that combines life cover with bonus-linked returns to help you achieve long-term financial goals.

Key features of the plan are:

  • Five Plan Options: Choose from multiple plan variants based on your financial goals.

  • Policy Continuance Benefit: Future premiums are waived on the life assured's death while policy benefits continue for the nominee.

  • Guaranteed Income Option: Receive guaranteed payouts during the policy term.

  • Additional Life Cover for Spouse: Extend protection by adding life cover for your spouse.

  • Premium Offset Feature: Use accrued cash bonuses and/or guaranteed payouts to offset future premiums.

HDFC Life Click 2 Achieve

Designed for individuals seeking guaranteed benefits with life protection, HDFC Life Click 2 Achieve provides flexible payout options to support goals like education, retirement planning, and wealth creation.

Key Features of the plan are:

  • Guaranteed Returns: Receive fixed benefits as a lump sum or regular income, depending on the chosen option.

  • Flexible Plan Choices: Customize the premium payment term, policy term, and payout schedule.

  • Life Insurance Cover: Provides financial protection to your family throughout the policy term.

  • Juvenile Critical Illness Cover: Optional protection for children against specified critical illnesses.

  • Tax Benefits: Eligible for tax benefits on premiums and benefits as per prevailing tax laws.

HDFC Life Sanchay Par Advantage

HDFC Life Sanchay Par Advantage provides lifelong income, life insurance protection, and bonus-linked returns.

Key Features of the plan are:

  • Lifelong Income: Receive regular income up to the age of 100, depending on the chosen option.

  • Immediate or Deferred Income: Choose to start receiving payouts immediately or defer them for higher future benefits.

  • Guaranteed Benefits with Bonuses: Enjoy guaranteed payouts along with cash bonuses and terminal bonuses, if declared.

  • Whole Life Cover: Provides life insurance protection up to 100 years of age.

  • Flexible Payout Options: Receive income monthly, quarterly, half-yearly, or annually as per your preference.

HDFC Life Guaranteed Income Insurance Plan

Suitable for those looking for predictable income options, the HDFC Life Guaranteed Income Insurance Plan provides guaranteed regular payouts, life cover, and a lump sum maturity benefit.

Key Features of the plan are:

  • Guaranteed Regular Income: Receive fixed income during the payout period after the chosen deferment.

  • Guaranteed Maturity Benefit: Get a guaranteed lump sum amount at the end of the policy term.

  • Life Cover During Payout Period: Insurance protection continues even while you are receiving regular income.

  • Flexible Income Payouts: Choose the payout timing and structure based on your financial needs.

  • Tax Benefits: Premiums paid and benefits received may qualify for tax benefits under prevailing tax laws.

HDFC Life Sanchay Plus

Ideal for individuals who prefer financial certainty, HDFC Life Sanchay Plus provides guaranteed returns along with life insurance protection through flexible benefit options.

Key Features of the plan are:

  • Guaranteed Returns: Receive guaranteed maturity benefits or regular income based on the plan option you choose.

  • Flexible Payout Options: Choose from a lump sum payout, fixed income, long-term income, or lifelong income to match your financial goals.

  • Life Insurance Cover: Enjoy life cover throughout the policy term to help protect your family's financial future.

  • Flexible Premium Payment: Select from single pay or limited pay options based on your budget and financial planning.

  • Optional Riders & Tax Benefits: Enhance your coverage with optional riders and enjoy tax benefits as per applicable tax laws.

HDFC Life Sanchay Fixed Maturity Plan

HDFC Life Sanchay Fixed Maturity Plan is designed for people looking for guaranteed lump sum maturity benefits along with life cover. It offers flexible premium payment options, policy terms of up to 40 years, and the choice of single or joint life cover.

Key Features of the plan are:

  • Guaranteed Maturity Benefit: Receive a guaranteed lump sum payout at the end of the policy term.

  • Single or Joint Life Cover: Choose protection for yourself or opt for joint life coverage with your spouse.

  • Flexible Premium Payment: Pay premiums through single, limited, or regular payment options.

  • Long Policy Term Choices: Select a policy term of up to 40 years based on your long-term financial goals.

  • Optional Riders & Tax Benefits: Increase your protection with riders and enjoy tax benefits under applicable tax laws.

HDFC Life Guaranteed Wealth Plus

HDFC Life Guaranteed Wealth Plus offers guaranteed returns along with life insurance protection. It is designed to help you achieve long-term financial goals through guaranteed benefits and flexible payout options.

Key Features of the plan are:

  • Guaranteed Benefit Options: Choose to receive your guaranteed benefits as a lump sum or as regular income along with a lump sum payout, based on your financial goals.

  • Life Insurance Cover: Stay protected with life insurance coverage throughout the policy term, even if you pay premiums only once or for a limited period.

  • Guaranteed Income: Receive guaranteed regular income during the payout term under the Income Variant to support your future financial needs.

  • 100% Return of Premium: Under the Income Variant, get back 100% of the base premiums paid at maturity, subject to policy terms and conditions.

  • Flexible Premium Payment Options: Choose between single premium and limited premium payment options to match your budget and financial planning.

HDFC Life Saral Jeevan

HDFC Life Saral Jeevan is designed for individuals who want to build savings with affordable premiums while enjoying life insurance protection.

Key Features of the plan are:

  • Guaranteed Returns: Receive a guaranteed maturity benefit when the policy term ends, subject to policy conditions.

  • Life Insurance Cover: Ensure financial protection for your loved ones throughout the policy term.

  • Flexible Maturity Benefit: Choose to receive your maturity amount as a lump sum or regular income.

  • Affordable Savings Plan: Build disciplined savings with affordable premium payments and guaranteed benefits.

  • Optional Riders: Add optional riders for additional protection

HDFC Life Sampoorna Jeevan

HDFC Life Sampoorna Jeevan helps you plan long-term financial goals through savings benefits along with life insurance protection.

Key Features of the plan are:

  • Limited Premium Payment: Pay premiums for a limited period while enjoying policy benefits for a longer duration.

  • Five Bonus Options: Choose from five bonus options to customize your savings and payout strategy according to your financial goals.

  • Flexible Payout Options: Receive guaranteed regular income, a lump sum payout, or a combination of both, depending on the benefit option selected.

  • Choice of Plan Variants: Select between Sampoorna Jeevan 75 and Sampoorna Jeevan 100 based on your preferred policy maturity age and financial planning needs.

  • Loan Benefit: Avail a loan against your policy during financial emergencies, subject to the policy's terms and conditions.

HDFC Life Guaranteed Savings Plan

HDFC Life Guaranteed Savings Plan that helps you build guaranteed savings while providing life insurance protection. This plan is ideal for individuals looking for fixed maturity benefits with flexible premium payment options.

Key Features of the plan are:

  • Guaranteed Maturity Benefit: Receive a guaranteed lump sum amount at maturity, with the benefit amount disclosed upfront at the time of purchase.

  • Life Insurance Protection: Your family receives a death benefit during the policy term, ensuring financial security in case of an unfortunate event.

  • Flexible Premium Payment Options: Choose between single pay or limited pay options based on your financial goals and budget.

  • Loan Against Policy: You can avail a loan against the policy during financial emergencies, subject to the policy terms and conditions.

  • Hassle-Free Issuance: Eligible customers can purchase the plan through a simplified issuance process based on the Declaration of Good Health (DOGH), without undergoing a medical examination.

HDFC Life Assured Gain Plus

Suitable for individuals looking for guaranteed benefits with bonus potential, HDFC Life Assured Gain Plus provides maturity benefits along with life insurance protection.

Key Features of the plan are:

  • Guaranteed Maturity Benefit: Receive a guaranteed sum assured on maturity along with applicable guaranteed terminal additions, provided all due premiums are paid.

  • Life Insurance Cover: Your family receives financial protection through a death benefit that includes the sum assured along with eligible bonuses and guaranteed terminal additions.

  • Potential Bonus Additions: Earn simple reversionary bonuses and terminal bonuses, if declared, which can enhance your overall maturity payout.

  • Limited Premium Payment: Pay premiums only for a chosen limited period while enjoying life insurance coverage for the entire policy term.

  • Multiple Policy Term Options: Select a policy term ranging from 10 to 30 years to match your long-term financial objectives.

HDFC Life Uday

HDFC Life Uday helps you build long-term savings with guaranteed additions while providing life insurance protection. Ideal for individuals looking for a combination of guaranteed benefits and bonus-based returns.

Key Features of the plan are:

  • Guaranteed Additions: Earn guaranteed additions at the prescribed rate during the initial policy years, increasing your overall maturity or death benefit.

  • Life Insurance Protection: Provides financial security to your family through a death benefit during the policy term.

  • Built-in Accidental Benefit: Includes an in-built accidental benefit that offers additional protection under specified policy conditions.

  • Bonus Participation: You may receive reversionary, interim, and terminal bonuses, if declared by the insurer, enhancing the policy value.

  • Limited Premium Payment: Pay premiums for only 8 or 10 years while continuing to enjoy policy benefits for the selected term.

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 Plans 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

Let's understand more about HDFC Life ULIP Plans:

HDFC Life Sampoorna Nivesh Plus

HDFC Life Sampoorna Nivesh Plus is a ULIP that combines life insurance with market-linked investments, helping you build long-term wealth while protecting your loved ones.

Key Features of HDFC Life Sampoorna Nivesh Plus are:

  • Multiple Fund Options: Invest across a range of equity, debt, and dynamic asset allocation funds based on your risk appetite.

  • Loyalty Additions: Receive loyalty additions from the 10th policy year onwards, subject to policy terms, to enhance your fund value.

  • Partial Withdrawal Facility: Access your investment through partial withdrawals after completing the mandatory 5-year lock-in period.

  • Flexible Fund Switching: Switch between available funds to align your investments with changing market conditions and financial goals.

  • Life Insurance Protection: Provides financial security to your loved ones while helping you grow your wealth over the long term.

HDFC Life Click 2 Wealth

HDFC Life Click 2 Wealth is a ULIP that offers market-linked wealth creation along with life insurance coverage.

Key Features of HDFC Life Click 2 Wealth:

  • Three Plan Variants: Choose from Invest Plus, Premium Waiver, or Golden Years Benefit based on your protection and retirement needs.

  • Special Premium Additions: 101% of your premium is allocated to the fund during the first five policy years through additional premium allocation benefits.

  • Multiple Investment Funds: Invest in a wide range of funds with unlimited free fund switches to manage your portfolio efficiently.

  • Return of Mortality Charges: Mortality charges paid during the policy term are returned at maturity, subject to policy conditions.

  • Flexible Premium Payment Options: Choose between Single Pay, Limited Pay, or Regular Pay options according to your financial preferences.

HDFC Life Click2Invest

Ideal for investors seeking flexibility, HDFC Life Click2Invest provides market-linked investment options along with life insurance protection.

Key Features of HDFC Life Click2Invest:

  • Choice of Investment Funds: Invest across multiple equity, debt, and balanced funds based on your investment objectives.

  • Flexible Premium Payment: Select from single pay, limited pay, or regular pay options to suit your financial planning.

  • Free Fund Switching: Switch between available funds without additional charges, subject to the policy terms.

  • Partial Withdrawal Facility: Withdraw a portion of your fund value after the mandatory 5-year lock-in period for financial needs.

  • Life Insurance Cover: Enjoy life insurance protection alongside the opportunity to grow your investments over the policy term.

HDFC Life Smart Protect Plus

HDFC Life Smart Protect Plus combines market-linked investments with life insurance protection. It offers flexible coverage options, capital guarantee variants, and benefits that reward long-term investing.

Key Features of HDFC Life Smart Protect Plus:

  • Multiple Plan Variants: Choose from Level Cover or Decreasing Cover options, with or without a Capital Guarantee benefit.

  • Refund of Policy Charges: Receive loyalty benefits through the refund of eligible mortality, premium allocation, and fund management charges as per policy terms.

  • Flexible Investment Options: Invest across multiple funds and switch between them to match your changing financial goals.

  • Capital Guarantee Option: Selected variants provide guaranteed maturity benefits while still allowing participation in market-linked growth.

  • Life Insurance Protection: Combines wealth creation with financial protection for your family throughout the policy term.

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 Vesting Age Policy term
HDFC Life Click 2 Retire Plus 2 18-65 years 45-75 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

Let’s understand more about HDFC Life Retirement Plans:

HDFC Life Click 2 Retire Plus 2

HDFC Life Click 2 Retire Plus 2 is a Unit Linked Pension Plan that helps you build a retirement corpus through market-linked investments while offering assured vesting benefits and financial protection.

Key Features of HDFC Life Click 2 Retire Plus 2:

  • Two Plan Options: Choose between the Secure and Flexi plan options based on your investment preference and retirement goals.

    • Secure: Offers an assured vesting benefit while still investing in the market. Best if you want a guaranteed minimum outcome.

    • Flexi: Fully market-linked with no assured minimum. Best if you're comfortable with more risk for potentially higher returns.

  • Assured Vesting Benefit: The Secure option provides an assured vesting benefit while allowing participation in market-linked growth.

  • Zero Premium Allocation Charges: Enjoy higher investment efficiency with no premium allocation charges.

  • Affordable Retirement Planning: Start building your retirement corpus with premiums starting from ₹2,000 per month.

  • Waiver of Premium Benefit: Continue your retirement planning without interruption through the available Waiver of Premium benefit.

HDFC Life Smart Pension Plan:

HDFC Life Smart Pension Plan is a Unit Linked Plan that helps you build a retirement corpus through market-linked investments. It offers flexibility in premium payments, vesting dates, and investment options to support your retirement goals.

Key Features of HDFC Life Smart Pension Plan

  • Retirement Corpus: Grow your fund through market-linked investments.

  • Life Cover: Up to 105% of total premiums paid.

  • Flexible Vesting: Change your retirement date and premium term as plans evolve.

  • Multiple Funds: Choose equity or other pension funds.

  • Loyalty Additions: From the 10th policy anniversary onward.

HDFC Life Sanchay Aajeevan Guaranteed Advantage Plan

HDFC Life Sanchay Aajeevan Guaranteed Advantage Plan offers guaranteed returns, lifelong income options, and flexible retirement planning for individuals and couples.

Key Features of HDFC Life Sanchay Aajeevan Guaranteed Advantage Plan:

  • Guaranteed Lifetime Income: Choose the Guaranteed Income variant to lock in lifelong income at predetermined rates.

  • Single and Joint Life Options: Select individual coverage or joint life coverage to secure retirement income for you and your spouse.

  • Premium Waiver on First Death: Under the Joint Life option, future premiums are waived, and 105% of premiums paid is immediately payable on the first death.

  • Higher Guaranteed Return Option: Choose an option that enhances death benefits through a higher guaranteed rate of return.

  • Liquidity Benefits: Partial withdrawals and policy loans are available to help meet financial needs during the policy term.

HDFC Life Guaranteed Pension Plan

HDFC Life Guaranteed Pension Plan is a non-linked, non-participating pension plan that helps you build a retirement fund with guaranteed benefits and predictable vesting payouts.

Key Features of HDFC Life Guaranteed Pension Plan:

  • Guaranteed Additions: Earn guaranteed additions of 3% of the sum assured on vesting for every completed policy year.

  • Vesting Addition: Receive an additional lump sum vesting addition at maturity based on the selected policy term.

  • Flexible Premium Payment: Choose between Single Pay and Limited Pay options ranging from 5 to 12 years.

  • Guaranteed Death Benefit: In case of the life assured's death, the nominee receives the accumulated total premiums paid, calculated at 6% per annum.

  • Retirement Corpus Creation: Build a guaranteed retirement fund with predefined vesting benefits payable at the end of the policy term.

HDFC Life Systematic Pension Plan

HDFC Life Systematic Pension Plan is a non-linked, participating individual savings pension plan that helps you build a retirement corpus with bonus accumulation and assured benefits on vesting.

Key Features of HDFC Life Systematic Pension Plan:

  • Bonus Accumulation: Grow your retirement corpus through bonuses declared by the company.

  • Assured Benefit on Vesting: Receive an assured benefit along with applicable bonuses at the time of vesting.

  • Flexible Investment Horizon: Choose an investment period ranging from 5 to 45 years.

  • Flexible Premium Payment Options: Pay premiums either as a single payment or over a selected period.

  • Life Cover Protection: Provides financial support to your family through death benefit coverage.

HDFC Child Plans

HDFC Life Insurance offers child insurance plans to help secure your 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

Let’s understand more about HDFC Life Child plans:

HDFC Life Sampoorna Nivesh Plus

HDFC Life Sampoorna Nivesh Plus is a ULIP that combines life insurance with market-linked investments, helping you build long-term wealth while protecting your loved ones.

Key Features of HDFC Life Sampoorna Nivesh Plus:

  • Multiple Fund Options: Invest across a range of equity, debt, and dynamic asset allocation funds based on your risk appetite.

  • Loyalty Additions: Receive loyalty additions from the 10th policy year onwards, subject to policy terms, to enhance your fund value.

  • Partial Withdrawal Facility: Access your investment through partial withdrawals after completing the mandatory 5-year lock-in period.

  • Flexible Fund Switching: Switch between available funds to align your investments with changing market conditions and financial goals.

  • Life Insurance Protection: Provides financial security to your loved ones while helping you grow your wealth over the long term.

HDFC Life Click 2 Wealth

HDFC Life Click 2 Wealth is a ULIP that offers market-linked wealth creation along with life insurance coverage.

Key Features of HDFC Life Click 2 Wealth:

  • Three Plan Variants: Choose from Invest Plus, Premium Waiver, or Golden Years Benefit based on your protection and retirement needs.

  • Special Premium Additions: 101% of your premium is allocated to the fund during the first five policy years through additional premium allocation benefits.

  • Multiple Investment Funds: Invest in a wide range of funds with unlimited free fund switches to manage your portfolio efficiently.

  • Return of Mortality Charges: Mortality charges paid during the policy term are returned at maturity, subject to policy conditions.

  • Flexible Premium Payment Options: Choose between Single Pay, Limited Pay, or Regular Pay options according to your financial preferences.

HDFC Life Click 2 Achieve

HDFC Life Click 2 Achieve offers guaranteed returns along with life insurance protection. It provides flexible payout options to help you meet goals such as education, retirement, or wealth creation.

Key Features of HDFC Life Click 2 Achieve:

  • Guaranteed Returns: Receive fixed benefits as a lump sum or regular income, depending on the chosen option.

  • Flexible Plan Choices: Customize the premium payment term, policy term, and payout schedule.

  • Life Insurance Cover: Provides financial protection to your family throughout the policy term.

  • Juvenile Critical Illness Cover: Optional protection for children against specified critical illnesses.

  • Tax Benefits: Eligible for tax benefits on premiums and benefits as per prevailing tax laws.

HDFC Home Loan Insurance Plans

The HDFC Life home loan insurance plans protect your family from having to repay your outstanding home loan if something happens to you.

Home Insurance Plans offered by HDFC Life are:

Life Insurance Policy Age of Entry Maturity Age Policy Tenure
Click 2 Protect Supreme - Life Goal 18-65 years 23-85 years 5 years to 85 years – Age at Entry

HDFC Life Click 2 Protect Supreme – Life Goal

It is a term insurance option designed for people whose financial responsibilities reduce over time. It offers a decreasing life cover that can be aligned with liabilities such as home loans, children's education, or retirement planning.

Key Features of HDFC Life Click 2 Protect Supreme – Life Goal are:

  • Decreasing Life Cover: Choose a cover that gradually reduces over the policy term to match your declining financial obligations.

  • Built-in Terminal Illness Benefit: Receive an accelerated death benefit of up to ₹2 crore if diagnosed with a covered terminal illness before the age of 80 years.

  • Customizable Cover Reduction: Select the rate at which your life cover decreases based on your financial goals and liabilities.

  • Affordable Premiums: A decreasing cover structure can help keep premiums lower than a level cover plan.

  • Optional Rider Benefits: Enhance your protection with riders such as Critical Illness Waiver and Accidental Death Benefit.

HDFC Life Insurance HDFC Life Insurance

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

Managing Your HDFC Life Insurance Policy Online

After purchasing an HDFC Life Insurance policy, managing it is simple through the company's digital platforms. Whether you want to pay premiums, renew your policy, check the status of your HDFC Life policy, or access documents, most services are available online via the website and mobile app.

  • Use the HDFC Life Insurance App for Everyday Policy Management

    The HDFC Life Insurance App acts as a one-stop platform where policyholders can buy new plans, renew existing policies, track ULIP investments, switch funds, and access policy documents. Available on both Android and iOS, the app makes it easy to manage your insurance anytime.

    You can also use InstaQuote 2.0 to conveniently calculate your premiums from your mobile devices. This HDFC Life Insurance app is a fast and easy way to browse products, enter the required details, and get a quote in a minute. This HDFC Life insurance mobile app is available on both Android and iOS and allows you to calculate your premium offline.

  • Pay Premiums and Renew Your Policy with Ease

    You can pay your HDFC Life Insurance premium payment either online or offline. You can pay your HDFC Life Insurance premiums online through debit/credit cards, net banking, HDFC App, UPI, or e-wallets by visiting the official HDFC Life website and entering your policy details. You can also pay your HDFC Life insurance premium payments offline at HDFC Life branches, partner bank branches, cheque drop boxes, and NEFT/RTGS/IMPS transfers.

  • Renewal Options Available to Policyholders

    HDFC Life policyholders can renew HDFC Life Insurance online or offline to maintain uninterrupted coverage. The company offers flexible payment options, including credit/debit cards, UPI, net banking, and advance premium payments. For HDFC Life Insurance renewal, you can use the below options

    • Quick Pay: Pay instantly without logging in by entering your Policy Number and Date of Birth on the HDFC Life Quick Pay portal.
    • Customer Portal/App: Log in to HDFC Life Customer Login to view policy details, premium history, and access digital payment options.
    • Net Banking & Mobile Wallets: Use net banking (available for over 75 banks), UPI, credit cards, debit cards, or approved digital wallets like PayZapp and Paytm during checkout.
    • Auto-Debit Setup: You can register for an auto-debit facility (Standing Instruction) on your bank account through HDFC or ICICI net banking to automate future premium payments

    To renew your HDFC policy online, visit your nearest HDFC Life branch or get in touch with the customer care.

  • Check Policy Status and Access Your Account

    Policyholders can log in to the HDFC Life customer portal to check their HDFC Life policy status using their registered mobile number, email ID, or client ID to check policy status, download documents, and view premium details. Updates are also available through the mobile app, WhatsApp assistant, SMS services, and customer support

  • How to Log in to the HDFC Life Portal

    The HDFC Life Insurance login portal is designed for individual policyholders and corporate clients, ensuring quick access to important HDFC Life Insurance policy details and services.

    To HDFC Life login, you need to visit the official website, click on Login, choose Customer or Corporate Login, enter your credentials, and complete verification. New users can register online in a few simple steps.

  • HDFC Life Insurance for NRIs

    HDFC Life also offers insurance solutions for NRIs, PIOs, and OCIs who want to protect their families in India while building long term financial security.

    Plans Available for NRIs

    Eligible customers can purchase popular plans such as Click 2 Protect Supreme Plus, Click 2 Protect Supreme, and Click 2 Protect Life. HDFC Life also provides USD denominated international insurance plans that help reduce currency exchange risk while offering global coverage and claim support.

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.

Step 1: Claim Initiation

The nominee needs to initiate the claim with the HDFC Life Insurance Company as soon as the policyholder passes away. The claim can be initiated online or offline.

To initiate online: Submit policy details and nominee details directly through the HDFC Life Claims portal.

To initiate offline: Visit your nearest HDFC branch, fill out the claim intimation form, and collect an acknowledgement receipt with a reference number.

Step 2: Document Submission

Submit the required documents. The documents may vary depending on the nature of the claim. Generally, the list of documents required are:

  • 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

Step 3: Claim Settlement:

Once the documents are verified, the insurer will disburse the claim amount to the nominee's bank account.

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
Where can I find reliable, up-to-date news about HDFC Life Insurance quarterly results and stock movements?

Track real-time stock movements and quarterly financial results for HDFC Life Insurance through their. Official Corporate Updates & Filings. You can refer to HDFC Life Investor Relations or BSE India & NSE India to view real-time stock quotes, exchange disclosures, and statutory announcements.

How can I find the HDFC Life Insurance office near me?

To find the closest HDFC Life branch in your area, the easiest method is to use the official HDFC Life Branch Locator. Using the branch locator, you can filter by your specific state and city to view addresses, contact numbers, and operating hours (typically 9:30 AM to 3:30 PM).

What is the HDFC Life Insurance fund value?

Your HDFC Life Insurance fund value is the current total worth of your investments in a Unit-Linked Insurance Plan (ULIP) or pension plan. It is calculated dynamically by multiplying the number of units you hold in your chosen fund(s) by the daily Net Asset Value (NAV).

What is the HDFC Life Insurance Stock Price?

As of 29th June, the HDFC Life Insurance stock price is INR 579.80

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 Customer Care?

If you need the HDFC Life contact number or want to contact HDFC Life for policy-related assistance, the company provides multiple support channels for existing policyholders, new customers, and NRIs. You can connect with HDFC Life Insurance customer care by phone, email, WhatsApp, or by visiting your nearest branch.

For Existing HDFC Life Insurance Customers

If you already have a policy and need help with premium payments, policy servicing, claims, or any other queries, you can contact HDFC Life Insurance customer care through the following channels:

  • HDFC Life Insurance Contact Number: 022-68446530

  • Timings: Monday to Saturday, 10:00 am to 7:00 pm IST

  • Email: service@hdfclife.com

  • WhatsApp: +91-8291-890-569

For Buying a New HDFC Life Insurance Policy

If you want to purchase a new policy or need assistance with an online application, use the following HDFC Life contact details:

  • Toll-Free HDFC Life Contact Number: 1800-266-9777 (Available all days)

  • WhatsApp: +91-8291-890-569

  • Missed Call: +91-9980970424

  • Email: buyonline@hdfclife.in

HDFC Life Contact Number for NRI Customers

Buying a New Policy

  • Call: +91-8916613503

  • Email: buyonline@hdfclife.in

  • WhatsApp: +91-8291-890-569

Existing NRI Policyholders

  • Call: +91-8916694100

  • Timings: Monday to Saturday, 10:00 am to 9:00 pm IST

  • Email: nriservice@hdfclife.com

Contact HDFC Life Through WhatsApp and Digital Support

You can also contact HDFC Life through its virtual assistant, Etty, available on the official website and WhatsApp. The chatbot helps you:

  • View policy details

  • Track policy or application status

  • Get answers to over 200 policy-related questions

  • Receive support in 9 Indian languages

Visit Your Nearest HDFC Life Branch

If you prefer face-to-face assistance, use the HDFC Life Branch Locator on the company's official website to find the nearest branch. Branch representatives can help with policy purchases, servicing requests, claims, document submission, and other customer support needs.

How to Contact HDFC Life Through Social Media Channels?

Twitter (X)

Official Handle: @HDFCLIFE

With 400K+ followers, HDFC Life uses X to share company updates, insurance awareness content, and customer support assistance. Customers can tag the handle or send Direct Messages for support and complaint resolution.

Instagram

Official Page: @hdfclife

With 118K followers, HDFC Life shares financial tips, insurance awareness content, customer stories, campaigns, and product updates on Instagram. Users can connect through DMs, comments, and story replies.

Facebook

Official Page: @HDFClife

With 6.1M followers, HDFC Life regularly posts campaigns, product information, financial awareness content, and customer-focused initiatives on Facebook. Users can connect through Messenger or comments for assistance.

YouTube

Official Channel: HDFC Life (@hdfclife)

With 119K subscribers and 1K videos, HDFC Life uploads product explainers, customer stories, awareness campaigns, and financial planning videos on YouTube. Users can also post queries in the comments section.

HDFC Life vs Other Top Competitors

Comparing the 3 metrics that matter most when choosing a life insurer: claim settlement ratio, solvency ratio, and their features.

Name of Term Life Insurance Company Claim Settlement Ratio Solvency Ratio Special Features
Aditya Birla Sun Life Insurance Company 98.86% 1.86 Auto-increasing cover, Life stage benefit, Built-in health management, Return of premium option
Aviva Life Insurance Company India Limited 99.07% 1.94 3D protection (Death + Disability + Disease), Dedicated claim personal manager, Credit protect for loans, Special rates for women & non-smokers
Axis Max Life Insurance Company 99.70% 2.00 7 Plan Variants for Every Life Stage, 64 Critical Illnesses Covered, Pregnancy & Newborn Congenital Anomaly Cover for Women
Bajaj Life Insurance Company 99.29% 3.76 96% claims settled in 1 working day, 55 critical illnesses covered, First-time buyer discount
Bandhan Life Insurance Limited 99.73% 2.52 Special exit value — premiums refunded mid-term, Return of premium on survival, 100% claims within 30 days
Bharti Axa Life Insurance Company Limited 99.18% 1.64 Coverage up to 50 years, No medical tests for eligible buyers, Lump sum or monthly income payout, AXA global backing
Canara HSBC Life Insurance Company Limited 99.52% 2.16 Spouse cover under same policy, Premium locked at inception, Child care benefit inbuilt, Coverage till 99 years
Edelweiss Life Insurance Company Limited 99.29% 1.71 Better half benefit (auto spouse cover), Skip up to 8 premiums, Coverage till age 100, 6% discount for fast medicals
Generali Central Life Insurance Company Limited 95.57% 1.71 Global Generali Group backing, Critical illness rider, Accidental death cover, Flexible premium payment terms
HDFC Life Insurance Company 99.68% 1.87 24-hour claim processing, LiveWell wellness rewards, Women-specific premium waiver, 60 critical illnesses covered
Go Digit Life Insurance Ltd. 99.53% 2.53 Built for self-employed, Zero form-filling on claims, Term + health combo plan, Wellness benefits inbuilt
ICICI Prudential Life Insurance Company Limited 99.6% 2.0 CI payout on diagnosis (no bills needed), Life stage cover increase, coverage for women specific cancer, Home pickup of claim documents
IndiaFirst Life Insurance Company 98.04% 2.10 Bank of Baroda & Union Bank backed, Pay 5 years — covered till 99, Spouse cover under same policy, 10% online discount
Kotak Life Insurance Company 98.61% 2.52 Step-up cover at milestones, Exit option at age 60, 3 payout structures, Coverage till age 85
Life Insurance Corporation of India 91.32% 2.03 High-life insurance protection, and guaranteed payouts,loan facilities, and specialized plans for education, retirement, and women.
PNB Metlife India Insurance Company Limited 99.81% 1.72 PNB + MetLife 140-year global backing, Whole life cover till 99, Spouse cover under same policy, Return of premium option
Pramica Life Insurance Company Limited 99.18% 2.33 Prudential Financial USA backing, Critical illness lump sum rider, Flexible premium payment terms, High solvency stability
SBI Life Insurance Company Limited 98.56% 2.01 Auto increase cover at life events, 23,000+ SBI branch access, Cover till age 100, Increasing cover every 5 years
Shriram Life Insurance Company Limited 98.31% 1.82 High sum assured rebates, limited premium payment terms, and flexible maturity benefits, offering strong protection for individuals and families.
Star Union DAI-ICHI Life Insurance Company Limited 99.01% 1.99 Dai-ichi Japan (top 10 global insurer) backing, 20,000+ bank branch access, PMJJBY empanelled insurer, High sum assured rebates
Tata AIA Life Insurance Company Limited 99.41% 1.94 15% discount for women, FlexiPay option to defer premiums for 12 months, 105% return of premium, Life stage cover increase

Is HDFC Life Insurance Good? Policybazaar's Honest Take

Policybazaar’s Verdict: HDFC Life is a trusted, digitally strong, and best for Modern Insurance Buyers. Here's an honest review of HDFC Life Insurance, backed by IRDAI data.

HDFC Life Insurance Company Limited is one of India's leading private life insurers, known for strong digital services, flexible plans, and a wide range of term, savings, ULIP, retirement, and child insurance plans.

Its 99.68% claim settlement ratio (FY 2024–25) reflects strong claim reliability. The company also covers nearly 5 crore lives, manages AUM of ₹3.4 lakh crore+, and has 650+ branches across India. HDFC Life is best known for:

  • Smooth online buying and servicing

  • Flexible rider and coverage options

  • Strong term insurance plans

  • Wide product range for different financial goals

HDFC Life Insurance is best suited for First-time insurance buyers and HDFC Bank customers.

FAQ's

  • Q. What is HDFC Life 5 year plan?

    HDFC Life does not have a single, standalone "5-year plan." Instead, the term refers to various life insurance and investment products where you pay premiums for a limited period or park your money for a mandatory 5-year lock-in period to build wealth, save taxes, and secure life cover.
  • Q. Which is better, LIC or HDFC Life?

    Neither is universally better; HDFC Life is generally superior for pure term insurance and modern, feature-rich plans, while LIC is preferred for traditional, government-backed savings/endowment plans and older buyers who rely on physical agents.
  • Q. What is the price of HDFC Life today?

    The current share price of HDFC Life Insurance Company (NSE: HDFCLIFE | BSE: 540777) is approximately ₹585.45.
  • Q. What is HDFC Life Insurance Company Ltd.?

    HDFC Life Insurance Company Ltd. is one of India's leading publicly listed life insurance providers, headquartered in Mumbai. Promoted by HDFC Bank, it offers a diverse range of individual and group insurance solutions, including term life, health, pension, and investment plans.
  • Q. Is HDFC Life Insurance good? Is it trustworthy?

    Yes, HDFC Life Insurance is considered one of India's most reliable private life insurers. It holds a claim settlement ratio of 99.68% (FY 2024–25), is listed on NSE & BSE, is backed by HDFC Ltd. and Standard Life (UK), and offers 24/7 customer support. It is regulated by IRDAI, ensuring policyholder protection.
  • Q. How to cancel or surrender an HDFC Life Insurance policy?

    To surrender an HDFC Life Insurance policy, log in to myaccount.hdfclife.com and click 'Cancel Policy' or visit the nearest HDFC Life branch at least 15 days before the premium due date and submit the mandate deactivation form. You will receive the surrender value in your registered bank account within 7 working days.
  • Q. What is the GST on HDFC Life Insurance premiums in 2024–25?

    As of September 22, 2025, GST on all individual life insurance premiums, including HDFC Life, has been reduced to 0%. Previously, a 18% GST applied to term insurance premiums. This means policyholders no longer pay any additional tax on their life insurance premiums.
  • Q. How to download HDFC Life Insurance premium receipt for tax purposes?

    To download your HDFC Life Insurance premium receipt:
    • Visit hdfclife.com and click 'Login'.
    • Enter your Client ID and date of birth.
    • Go to 'My Accounts' and select 'Premium Receipt'.
    • Choose the financial year and download the PDF. Receipts for payments made after 3 PM are available the next working day.
  • Q. HDFC Life vs LIC- which is better for term insurance?

    For pure term insurance, HDFC Life is generally considered the better option for most modern buyers. However, the right choice depends on your specific needs regarding customization and premiums.
  • Q. How to link Aadhaar with HDFC Life Insurance policy online?

    To link Aadhaar with your HDFC Life Insurance policy:
    • Log in at myaccount.hdfclife.com.
    • Go to 'My Policy' and select 'Update Aadhaar'.
    • Enter your policy number and 12-digit Aadhaar number.
    • Click Submit. Alternatively, visit your nearest HDFC Life branch with your original Aadhaar card.

    Linking is mandatory as per IRDAI and Government of India guidelines.

  • Q. How to get the maturity amount from HDFC Life Insurance?

    Upon the policy term ending, HDFC Life automatically initiates the maturity claim payout. To ensure a smooth settlement:

    • Submit KYC documents and a cancelled cheque to your nearest branch.
    • Contact HDFC Life at 1860-267-9999 or email service@hdfclife.com.
    • The maturity amount is transferred directly to your registered bank account within 30 days of policy maturity.
  • Q. My HDFC Life Insurance policy has lapsed. Can I revive it?

    Yes, most HDFC Life policies can be revived within 5 years of the first unpaid premium date. To revive, you'll need to pay all overdue premiums with interest, and may need to submit a health declaration or undergo a fresh medical test depending on the time elapsed and sum assured. Revival is subject to HDFC Life's underwriting approval.
  • Q. Who is the CEO of HDFC Life Insurance Company?

    Vibha Padalkar is the Managing Director and CEO of HDFC Life Insurance Company Ltd. She has been leading the company since 2018 and is one of India's most prominent insurance industry leaders. Under her leadership, HDFC Life has consistently maintained a claim settlement ratio above 99%.
  • Q. How to stop auto-debit for HDFC Life Insurance premium?

    To stop auto-debit on your HDFC Life Insurance policy: Email service@hdfclife.com with subject line: 'Need to deactivate auto-debit – [Policy Number]', or (2) Visit the nearest HDFC Life branch and submit the ECS mandate deactivation form. Submit the request at least 15 days before the next premium due date to avoid unintended deductions.
  • Q. What is the HDFC Life Insurance plan list for 5 years?

    HDFC Life offers several plans with a 5-year premium payment term (PPT). These primarily include guaranteed savings policies and ULIPs, where you pay premiums for 5 years but receive life cover and benefits extending much longer. Below is the list of HDFC Life Insurance plans for 5 years
    • HDFC Life Sanchay Plus
    • HDFC Life Guaranteed Income Insurance Plan
    • HDFC Life Sampoorna Nivesh Plus
    • HDFC Life Click 2 Invest Plus
    • HDFC Life Click 2 Achieve
    • HDFC Life Pension Guaranteed Plan
  • Q. What is the HDFC Life Insurance Customer Care number 24x7?

    Speedy response for your policy details! Simply call us on our helpline numbers +912268446530* (Local charges apply) and 022-68446530* (STD charges apply) and avail yourself of the most frequently sought-after policy information and services.

HDFC Life Insurance News

  • HDFC Life Declares Record ₹4,596 Crore Bonus for Policyholders

    HDFC Life has announced its highest-ever bonus of ₹4,596 crore for participating policyholders, benefiting nearly 22.2 lakh customers. The insurer said around ₹3,761 crore will likely be paid in FY27 through maturity and survival benefits, with the remaining amount accruing in accordance with the policy terms. The bonus declaration reflects the company's strong investment performance and financial position. Participating policies allow customers to share in the insurer's profits.

˜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

+On the basis of your profile

+Rs. 410/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. 410/month (Rs.14/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 rounded off to nearest 10

+Rs. 245 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.

+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. 15/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. 504/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. 494/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. 636/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. 918/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. 1,286/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.

+Rs. 453/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.582/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. 786/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. 1,592/month 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.

+Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age.

+Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age.

+Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age.

+Rs. 410/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.

+Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, 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. ₹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

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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˜ 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
Term Insurance
2 Crore Term Insurance
Term Insurance
4 Crore Term Insurance
Term Insurance
5 Crore Term Insurance
Term Insurance
6 Crore Term Insurance
Term Insurance
7 Crore Term Insurance
Term Insurance
7.5 Crore Term Insurance
Term Insurance
8 Crore Term Insurance
Term Insurance
9 Crore Term Insurance
Term Insurance
15 Crore Term Insurance
Term Insurance
20 Crore Term Insurance
Term Insurance
25 Crore Term Insurance
Term Insurance
30 Crore Term Insurance
Term Insurance
15 Lakh Term Insurance
Term Insurance
60 Lakh Term Insurance
Term insurance articles

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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.
Current Version
Jul 17, 2026
Written By
Varun Agarwal
Reviewed By
Vivek Jain
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