HDFC Life Insurance 12 years Plan

HDFC Life Insurance offers various term and savings plans that cater to different financial goals. The 12-year HDFC Life Insurance policy can be a great option for those seeking a balance between short-term affordability and long-term benefits. These plans can help support a child's education, plan for retirement, or ensure financial security for loved ones.

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5.3 Crore Policies Sold

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₹1 Crore Life cover starting from ₹478/month⁺

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Why Choose an HDFC 12-Year Life Insurance Plan?

Balanced Coverage Duration
HDFC Life Insurance offers a 12-year policy term that provides enough protection without committing to an extremely long policy term. This can be ideal if you anticipate major financial responsibilities, such as repaying a home loan or funding a child's higher education, to be completed within this period.
Affordable Premiums with Guaranteed Security
Compared to longer-duration plans, HDFC Life Insurance 12 year plan often comes with manageable premiums while still offering significant coverage.
Wealth Creation and Maturity Benefits
Depending on the type of life insurance selected (term insurance, endowment, or ULIP), a 12-year HDFC Life Insurance plan may provide a lump sum payout at maturity, enabling you to meet your long-term goals.
Tax Advantages
Buying HDFC 12-year life insurance policy provides tax benefits under Section 80C for premiums paid and under Section 10(10D) for the maturity amount, subject to prevailing tax laws. These benefits help reduce taxable income and ensure maximum savings.
Rider Options for Additional Protection
An HDFC Life Insurance 12 year policy can be enhanced with add-on riders such as accidental death benefits, critical illness cover, and disability protection. These riders can provide financial support in case of unforeseen health or accident-related issues during the policy term.
Flexibility in Premium Payments
Many 12-year policies offer flexibility in premium payment modes—annual, semi-annual, or monthly. Some plans also provide the option to pay for a limited period while enjoying coverage for the full term.
Family's Financial Security
A life insurance policy ensures that your loved ones receive a financial safety net in case of an unfortunate event. The payout from a 12-year HDFC Life Insurance plan can support them by covering ongoing expenses, education costs, or loan obligations.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Best HDFC Life Insurance Plans with a 12Year Premium Payment Option

Plan Name	Entry Age	Maturity Age	Sum AssuredTerm
HDFC Life Click 2 Protect Ultimate	18-50 years	18-85 years	Rs. 1 Crore - Rs. 3 Crore
HDFC Life Click 2 Protect Elite Plus	18-45 years	28-85 years	Rs. 50 Lakhs- No Limit
HDFC Life Click 2 Protect Super	18-84 years	18-85 years	Rs. 5 Thousand - No Limit

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₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

Compare 40+ plans from 15 Insurers

⁺Standard T&C Applied

Who Should Consider Buying an HDFC Life Insurance 12-Year Policy?

Mid-Career Professionals: If you're in your 40s and looking for financial security until your major liabilities are covered, HDFC Life insurance for 12 years is an excellent choice.
Parents Planning for their Child’s Higher Education: The payout at the end of 12 years of HDFC Life Insurance can help fund higher education expenses.
Individuals Looking for Tax-Saving Investments: If you want a tax-efficient way to save while securing your family's future, this policy duration is ideal.

Wrapping It Up:

A 12-year HDFC Life Insurance plan provides excellent financial protection, savings, and flexibility, making it a smart choice for individuals at a crucial stage in their careers and personal lives.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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