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Term Plans
HDFC Term Insurance Plan 1 Crore
HDFC Term Insurance Plan 1 Crore is designed to provide strong financial protection for your family at an affordable premium. A ₹1 crore term insurance plan can help your loved ones manage daily expenses, future financial goals, outstanding loans, and lifestyle needs in your absence. With flexible policy options, rider benefits, and long-term coverage, HDFC term insurance plans are suitable for individuals looking for reliable life cover and financial security. Understanding the features, benefits, eligibility, and premium details of an HDFC ₹1 crore term insurance plan can help you choose the right protection for your family’s future.
15 lakh Families Secured
₹13,50,000 Crore of Life Cover Assured
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HDFC 1 Crore Term Insurance Plans: HDFC Life C2P Supreme Plus
HDFC term life insurance company offers the following term insurance plan with 1 Crore sum assured:
HDFC Life Click 2 Protect Supreme Plus
HDFC Life Click 2 Protect Supreme Plus is a term insurance plan that offers comprehensive coverage, special rates and benefits for female customers, and in-built health and wellness benefits.
Key Features and Benefits of the HDFC Term Insurance Plan 1 Crore
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Choose Plan Option: You can choose the most suitable plan option from the 3 available: Life, Life Plus, and Life Goal. you can also choose to receive all the premiums paid back at the maturity with the term return of premium option.
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Get Increasing Death Benefit: With the increasing death benefit option, you can get up to 200% increased life cover under the Life option.
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Parent Secure and Protect: This HDFC term insurance 1 Crore plan offers the option to financially cover your parents or grandparents and the option to receive a combination of the lump sum and regular payouts.
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Education Income Benefit: The plan provides the option of getting additional cover for child’s education under the education income benefit option.
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Waiver of Premiums: You can get a waiver of premiums in case of critical illness, total and permanent disability, or husband’s accidental death options are available.
Eligibility Conditions for HDFC 1 Crore Term Insurance
Here are the eligibility conditions to buy this HDFC term insurance plan:
| Parameters | Minimum | Maximum |
| Entry Age | 18 years | 65/84 years |
| Maturity Age | 18/23 years | 85 years |
| Policy Term | 1 month - 7 years | (85 - age at entry) yeears |
| Sum Assured | Rs. 10,000 | No limit |
| Premium Pay Terms | Regular pay, limited pay, single pay | |
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₹1 CRORE
Term Plan Starting @
Get an online discount of upto 15%#
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Why Buy HDFC 1 Crore Term Insurance Plans?
You should buy the HDFC term insurance plan 1 Crore because of the following reasons:
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High Coverage: HDFC 1 crore term insurance plans generally offer large life cover at affordable premium rates, helping individuals secure their family’s financial future without straining their monthly budget.
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Financial Protection: An HDFC ₹1 crore term insurance plan can help your family manage household expenses, future financial commitments, and lifestyle needs in your absence.
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Loan/Debt Protection: The benefit payout from an HDFC 1 crore term insurance plan can help your loved ones repay liabilities such as home loans, car loans, or personal debts without facing additional financial stress.
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Customisable: The ₹1 crore term insurance plans often allow policyholders to enhance coverage with rider benefits like critical illness cover, accidental death benefits, and waiver of premium options.
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Long-Term Security: Buying an HDFC 1 crore term insurance plan at an early age can help you secure lower premium rates while ensuring long-term financial protection for your family’s future needs.
Who Should Buy HDFC Term Insurance 1 Crore?
| Who Should Buy? | Reasons |
| Young Working Professionals | Buying an HDFC 1 crore term insurance plan early can help secure high life cover at comparatively lower premium rates for the long term. |
| Married Individuals | A ₹1 crore term insurance cover can help financially protect your spouse and family from future uncertainties and income loss. |
| Parents with Young Children | The policy can help support important future expenses such as children’s education, daily living costs, and other long-term financial needs. |
| Home Loan Borrowers | Individuals with ongoing home loans or other liabilities can use the life cover amount to help their family manage outstanding repayments. |
| Sole Earning Members | If your family mainly depends on your income, an HDFC 1 crore term insurance plan can act as a financial safety net during difficult situations. |
| Self-Employed Individuals | Business owners and freelancers can use term insurance to ensure their family’s financial responsibilities remain covered despite income uncertainties. |
| Individuals Planning Long-Term Financial Security | People looking to build a stronger financial protection strategy for their loved ones may consider HDFC 1 crore term insurance as an important part of financial planning. |
Factors to Consider While Buying HDFC 1 Crore Term Insurance
Before purchasing an HDFC 1 crore term insurance plan, it is important to evaluate a few key factors to ensure the policy matches your financial responsibilities, future goals, and long-term protection needs.
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Rider Benefits: HDFC 1 crore term insurance plans may offer additional term insurance rider options such as critical illness cover, accidental death benefit, and waiver of premium benefits. These riders can strengthen your base policy by providing broader financial protection during unexpected situations.
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Claim Settlement Ratio: Checking the insurer’s claim settlement ratio is important before buying any term insurance plan. A higher claim settlement ratio indicates the insurer’s ability to settle claims efficiently, helping build greater confidence in the policy.
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Adequate Life Cover: While choosing an HDFC ₹1 crore term insurance plan, you should evaluate your current income, existing liabilities, family expenses, and future financial goals. Many financial experts suggest selecting a life cover that is several times your annual income to ensure sufficient financial protection.
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Policy Tenure: The policy term should ideally cover your major earning years and financial responsibilities. Buying a term insurance plan at a younger age can help you secure longer coverage durations at relatively lower premium rates.
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Premium Affordability: While opting for higher coverage is important, the premium amount should remain comfortable for your long-term financial planning. Choosing a life insurance policy with affordable premiums can help ensure continuity of coverage without creating financial pressure.
How to Buy an HDFC Term Insurance 1 Crore Policy from Policybazaar?
Here are the steps required to buy HDFC Life Term Insurance 1 crore plan from Policybazaar:
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Step 1: Go to the HDFC term insurance 1 crore Form
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Step 2: Enter in your Name, Date of Birth, and Contact Number and click on ‘View Plans’
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Step 3: Select the right smoking or chewing tobacco habits, annual income, occupation type, and educational qualification
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Step 4: Choose the best HDFC term life insurance 1 Crore plan and proceed to pay the premiums
Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying.
Wrapping it Up!
An HDFC Term Insurance Plan 1 Crore can help provide strong financial protection for your family during uncertain times. With affordable premiums, flexible policy options, rider benefits, and long-term life cover, these plans can support your loved ones in managing future expenses, outstanding liabilities, and important financial goals. Choosing the right HDFC ₹1 crore term insurance plan can help you secure your family’s financial future with greater confidence and peace of mind.
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FAQ's
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What is an HDFC Term Insurance Plan 1 Crore?
An HDFC Term Insurance Plan 1 Crore is a term life insurance plan that provides a life cover of ₹1 crore to the nominee if the policyholder suffers an untimely death during the policy term. -
Who should buy an HDFC ₹1 crore term insurance plan?
Individuals with financial dependents, ongoing loans, future family responsibilities, or long-term financial goals can consider buying an HDFC ₹1 crore term insurance plan. -
Can I add riders to an HDFC 1 crore term insurance plan?
Yes, many HDFC term insurance plans allow you to add riders such as critical illness cover, accidental death benefit, and waiver of premium benefits. -
Is medical check-up required for HDFC term insurance plans?
Medical requirements depend on factors such as age, coverage amount, health condition, and insurer underwriting guidelines. -
Can I buy an HDFC Term Insurance Plan 1 Crore online?
Yes, HDFC ₹1 crore term insurance plans can be purchased online through the insurer’s official website or authorised insurance platforms.
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Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him.
As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step.
That's exactly what Policybazaar's term insurance is built to do.
In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."
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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. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10
+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.
+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
Women
+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.
1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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