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HDFC 2 Crore Term Insurance

HDFC 2 crore term insurance provides coverage for a specific period, offering crucial financial support to your loved ones. Term plans, with payouts, help your loved ones pay off debts or achieve their dreams in the long run. Choosing between Rs. 1 Crore, Rs. 1.5 cr and Rs. 2 cr term insurance should align with your Human Life Value, representing the present value of income, expenses, investments, and liabilities, indicating the need for substantial coverage.

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Note: Know more about what is term insurance first before reading this article.

Let’s discuss HDFC 2 Crore Term Insurance and their features, benefits in detail: 

What is an HDFC 2 Crore Term Insurance? 

HDFC 2 crore term plan offers a sum assured of Rs 2 crore, commonly known as a Rs 2 cr term insurance plan. If an unfortunate event occurs during the policy duration, the insurance company will pay Rs. 2 crores to the designated beneficiary.

one crore term plan

Term Plans


Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

Why Buy a HDFC Life Insurance Rs. 2 Crore Term Insurance Plan? 

A Rs. 2 crore term policy is a type of life insurance that provides your family a crucial financial safety net during challenging circumstances. Ensure the chosen amount adequately replaces lost income and aids in debt repayment. Calculating your HLV is essential for determining the required sum assured. For those earning Rs. 10 lakhs annually with outstanding debts of Rs. 50 lakhs, a Rs 2 cr term insurance policy is highly beneficial.

one crore term plan

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How Does HDFC 2 Crore Term Insurance Plan Works? 

At 28, Rahul, about to get married and homeownership, earns Rs. 80,000 monthly (Rs. 9,60,000 annually). Recognising the need for future financial security, he opts for a 30-year term policy with an assured Rs. 2 crore sum. Tragically, at 40, he suffers a fatal heart attack. The term insurance payout enables his wife to manage school fees and loan installments, providing stability during this challenging phase of single parenthood.

What are the Benefits of a HDFC 2 crore Term Insurance Plan? 

When you buy term plan of Rs. 2 Crores, you get the following benefits: 

  • Financial Security for your family members 

  • High cover at low premium rates 

  • Flexibility of Premium Payment 

  • Customization with Term riders 

  • Tax benefits U/S Income Tax Act 

How do you choose the right 2 Crore Term insurance plan? 

When searching for a 2 crore term insurance plan, you should consider the following points: 

  1. Premium rates

    Term plans are popular since they offer high coverage at affordable premium rates. It is recommended to compare the premium rates offered by various term insurers before choosing a plan. 

  2. Claim Settlement Ratio (CSR)

    IRDAI updates the CSR of each insurance company regularly. This determines how many claims the insurer settled of all claims requests received. The higher the CSR, the more reliable the company is. 

  3. Riders 

    Always check the term insurance riders offered by various insurers. You can increase your coverage and enhance the financial future of your family by choosing the riders that suit your requirements. 

  4. Sum Assured

    Check if the life cover amount is enough, and if your death payout falls short, it might leave your family financially stressed. 

How to Buy HDFC 2 Crore Term Insurance? 

Step 1: Visit Policybazaar and go to the Term Insurance 

Step 2: Fill in basic details such as Name, Date of Birth, and contact number, then click ‘View Plans’. 

Step 3: Answer the questions about Smoking habits, annual income, type of occupation, and educational qualification. 

Step 4: After submitting all the information, a list of all available 2 crore term insurance plans will be displayed. 

Step 5: Choose the plan that suits your financial needs and pay.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.


  • Q. What life cover amount should I choose?

    Ans: The amount of life cover depends on the financial needs of your family. Ideally, the life cover amount you choose should help cover the lost income and outstanding debts.
  • Q. What policy tenure should I choose?

    Ans: Your term plan duration should provide you coverage till the time you retire. A 30-year-old individual might choose a term of 40 years. On the contrary, a 40-year-old person opts for a policy term of 20 years.
  • Q. Will the premium of the term insurance plan change during the policy tenure?

    Ans: No, once you buy a policy, the premium will remain the same for the entire policy tenure.
  • Q. Are term plan riders important?

    Ans: While term insurance riders offer extra financial safeguarding, their necessity varies. Those employed in factories or frequently travelling for work may find an accidental death rider more relevant than a stay-at-home mom. Choosing riders based on individual needs is crucial, considering that selected riders and add-ons impact the overall term plan premium.
  • How to calculate the term insurance premium online?

    Ans: You can easily calculate the term insurance premium online by using the term insurance calculator online tool
  • What are the benefits of term life insurance?

    Ans: Here are 4 common term insurance benefits:
    • Low premium rates
    • Tax Benefits
    • Death Benefit
    • Long term coverage

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