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
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.
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
Existing NRI Policyholders
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.