Life Insurance Plans
HDFC Life provides a variety of life insurance plans and policies to meet each individual’s insurance needs and requirements. We provide different insurance products for needs like Protection, Savings & Investments, Children education and marriage, Retirement, Health related and women specific. We help you in becoming financially independent so that you can live your life on your own terms.
HDFC Life provides a variety of life insurance plans and policies to meet each individual’s insurance needs and requirements. We provide different insurance products for needs like Protection, Savings & Investments, Children education and marriage, Retirement, Health related and women specific. We help you in becoming financially independent so that you can live your life on your own terms.
Why it is important to buy a Life Insurance Policy?
- A life insurance policy helps you get life cover for yourself and makes sure your immediate family has some financial support in the event of your death.
- It also helps to finance your children's education and other requirements.
- A life insurance policy can also help you to save for the future so that you have a continuous source of income after you retire.
- It can help save your business, pay off debts and ensure that you are ready to meet any unforeseen contingencies in life.
Benefits of Life Insurance Plans
The death and disability benefits your loved ones can get from your life insurance policy are the biggest benefit of an insurance policy. There are other benefits too. Life insurance policies can be used as loan collateral, and can fetch you tax benefits under section 80 (C)*of the Indian Income Tax Act, Maturity proceeds are also exempt under section 10 (10)(D) of the Indian Income Tax Act, subject to terms and conditions being satisfied. Some life insurance plans can also help take care of your business’ financial liabilities in case of untimely death. Some insurance plans can also help you plan for long term life goals, children’s education and marriage and for unforeseen expenses.
*As per Income Tax Act, 1961. Tax benefits are subject to changes in tax law.
Types of Life Insurance Plans
Steps to buy Insurance Plans online
- Visit the insurance company’s website.
- Fill in details like name, date of birth, contact details, income and life cover expected.
- You will be presented with a choice of plans with features, benefits and premium.
- Choose the most suitable one by clicking on suggested options.
- Pay the premium online. The payment mode shall be as per frequency chosen.
- A confirmation will be sent to your registered email id on successful payment.
- Fill up a detailed life insurance proposal form, which includes parameters like personal details, health details, existing life cover information, and lifestyle details and nominee details.
- Upload identity, address proof and health-related documents and reports.
- You may need to go through a medical examination at the suggested medical centre. The reports will be sent directly to the insurer.
- Once policy is issued, confirmation and policy documents will be sent to you.
Riders in Life Insurance
Riders are the additional benefits that can be added by the policyholder with the policy at a nominal cost. Riders enhance your insurance cover, qualitatively and quantitatively. Currently HDFC Life offers you HDFC Life Income Benefit on Accident Disability Rider on various online life insurance policies.
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Offer enhanced protection
Life cover @less than RS 18/Day
Frequently Asked Questions
✅
What is life insurance?
Life insurance is a mutual contract or agreement between a policyholder and the insurance company. In exchange of insurance premium paid, the company pledges to pay a sum of money to the beneficiaries of the policy after a certain term or upon the policyholder's death.
✅
Why is life insurance useful?
Life insurance is useful to ensure you have a savings plan for the future. It allows you to have a continuous source of income after you retire, or if your earnings dip due to any accident or illness. It not only helps insure a policyholder’s life but also helps your family maintain the same lifestyle after you are no more, it also provides for other financial contingencies you may have.
It can allow you a steady income after you retire, help you pay your debts, save your business in case of death, and offers tax benefits too.
✅
How much does life insurance cost?
The amount of premium you pay depends on the life cover you want to get for yourself. The sum of the life cover expected needs to be calculated basis the number of dependents, your annual income, your household expenses. You will also have to factor in your outstanding loans, children's education needs etc to figure out the amount your family will need to sustain in case of your death. All these factors help you calculate the premium you have to pay for taking out a life insurance policy.
HDFC Life is one of the leading life insurance companies in India
that offers a range of individual and group insurance solutions that meet various customer needs such as Protection, Pension,Savings, & Investment and Health along with children's & Women's Plan.
Awarded the Best Life Insurance Company

Our Claim Promise
1-Day Claim Settlement*. * Know More
We have honoured 99.07% Individual claims!#
#Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2019-20.

1-Day Claim Settlement
is available for the following
- Cumulative claim amount on all policies up to ₹ 2 crores
- 1 day claim settlement is exclusively available for policies bought online
- Claim does not require field investigation
- All requisite documents# submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day
- HDFC Life will pay an interest^ on your death claim amount of every day of delay beyond one working day
T&C Apply
1) For all claims* fulfilling above mentioned condition, provided we receive all the documents, the claim will be within one working day and decision will be communicated accordingly. 2) Investigation/ Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of the event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day)
^Interest rate would be at 6.25% per annum.
#Documentation Details
Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is a minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes.
Inquest report, First/Final Information report, Viscera/Chemical Analysis report
Awarded E-business Leader at The Indian Insurance Awards 2015
Awards and Accolades
HDFC Life won the Marketing Campaign of the Year.
HDFC Life's Memories for Life Campaign was shortlisted in two categories
HDFC Life received the Gold Award at the 2014/15 LACP Vision Awards.
Media Mentions
HDFC Life saw 18% growth in overall new business premium collection. Sanjay Tripathy, Senior EVP, HDFC Life, among new channels, the online channel contributed 50% in individual Business.
HDFC Life, India’s leading private Life Insurance Company, conducted a survey of the current state financial freedom in India, which also captured the current state of health planning among Indian consumers.
Life 365
2 July 2016
HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited) Signs Up Indiabulls Housing Finance as Corporate Agency
Economic Times
25 April 2016
Customer Speak
I was quite amazed by how smooth the process to purchase my life insurance policy was.I could submit all forms online and could do it while sitting at work so easily!
Gauri Agnihotri,Operational Manager
July 13, 2016
Based on the severity and the type,cancer treatment can costs anywhere between 3 lakhs to 25 lakhs
Atul Gupta
25 Nov 2015
Helpdesk officer is very effective in resolving my Query and most important politeness courtesy and patience of officer Mr.Prashant and Kapil is excellent. They resolve my query immediately.
Mrs. Sonal Jayaswal,Rajasthan-Jaipur-Tonk Road
May 19, 2016
Our Products
MORE PLANS
- Increase cover with Life Stage Protection more...
- Extra Life option provides additional benefit in case of Accidental Death
- Income tax benefits
- Coverage against Death, Disability and Disease more...
- Choice of 9 Insurance Policy Options
- Lifestage protection for life’s key milestones
- Tax benefits under Sec 80 C & 10 (10 D)
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Invest - ULIP
- Choose from 8 fund options more...
- Flexible premium paying terms
- Flexible policy term
- Tax benefits under Sec 80C and Sec 10(10D)
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Wealth
- Choice of 8 fund options with unlimited free switching more...
- Three plan options to choose from
- Systematic Transfer plan strategy for advantage of Rupee Cost Averaging
- Premium waiver benefit that protects the future of your loved one in your absence
- Fixed lump sum payout more...
- Option to choose Indexation benefit
- Tax benefits under Section 80D
- Multiple Claims of different conditions
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Retire
- Online Unit-linked Pension Plan more...
- Minimal Charges
- Lower maturity age of 45 yrs
- Tax benefits under Sec 80 C & 10 (10A)
- Fixed benefit health insurance more...
- Lumpsum on 18 Critical Illnesses
- Lumpsum on 138 surgical procedures
- Daily hospital cash benefit
- Increase cover with Life Stage Protection more...
- Extra Life option provides additional benefit in case of Accidental Death
- Income tax benefits
- Coverage against Death, Disability and Disease more...
- Choice of 9 Insurance Policy Options
- Lifestage protection for life’s key milestones
- Tax benefits under Sec 80 C & 10 (10 D)
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Invest - ULIP
- Choose from 8 fund options more...
- Flexible premium paying terms
- Flexible policy term
- Tax benefits under Sec 80C and Sec 10(10D)
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Wealth
- Choice of 8 fund options with unlimited free switching more...
- Three plan options to choose from
- Systematic Transfer plan strategy for advantage of Rupee Cost Averaging
- Premium waiver benefit that protects the future of your loved one in your absence
- Fixed lump sum payout more...
- Option to choose Indexation benefit
- Tax benefits under Section 80D
- Multiple Claims of different conditions
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Retire
- Online Unit-linked Pension Plan more...
- Minimal Charges
- Lower maturity age of 45 yrs
- Tax benefits under Sec 80 C & 10 (10A)
- Fixed benefit health insurance more...
- Lumpsum on 18 Critical Illnesses
- Lumpsum on 138 surgical procedures
- Daily hospital cash benefit
MORE PLANS
- 9 Plan options to choose from more...
- Lump Sum payout on Death or Diagnosis of Terminal Illness.
- Waiver of Premium on Accidental Total Permanent Disability
- Get additional coverage against Cancer
- 9 Plan options to choose from more...
- Lump Sum payout on Death or Diagnosis of Terminal Illness
- Waiver of Premium on Accidental Total Permanent Disability
- Additional Lump Sum payable on diagnosis of 19 covered Critical Illness
- 9 Plan options to choose from more...
- Lump Sum payout on Death or Diagnosis of Terminal Illness.
- Waiver of Premium on Accidental Total Permanent Disability
- Get a regular stream of Income on Accidental Disabilty
- 9 Plan options to choose from more...
- Lump Sum payout on Death or Diagnosis of Terminal Illness.
- Waiver of Premium on Accidental Total Permanent Disability
- Get additional coverage against Cancer
- 9 Plan options to choose from more...
- Lump Sum payout on Death or Diagnosis of Terminal Illness
- Waiver of Premium on Accidental Total Permanent Disability
- Additional Lump Sum payable on diagnosis of 19 covered Critical Illness
- 9 Plan options to choose from more...
- Lump Sum payout on Death or Diagnosis of Terminal Illness.
- Waiver of Premium on Accidental Total Permanent Disability
- Get a regular stream of Income on Accidental Disabilty
MORE PLANS
- Increase cover with Life Stage Protection more...
- Extra Life option provides additional benefit in case of Accidental Death
- Income tax benefits
- Coverage against Death, Disability and Disease more...
- Choice of 9 Insurance Policy Options
- Lifestage protection for life’s key milestones
- Tax benefits under Sec 80 C & 10 (10 D)
- Increase cover with Life Stage Protection more...
- Extra Life option provides additional benefit in case of Accidental Death
- Income tax benefits
- Coverage against Death, Disability and Disease more...
- Choice of 9 Insurance Policy Options
- Lifestage protection for life’s key milestones
- Tax benefits under Sec 80 C & 10 (10 D)
MORE PLANS
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Retire
- Online Unit-linked Pension Plan more...
- Entry age of 18 years
- Maturity age of 45 yrs
- Tax benefits under Sec 80 C & 10 (10A)
- Premium paying terms of 5,7 &10 yrs more...
- Avail a lump sum vesting benefit
- Assured Death Benefit
- Tax benefits under Sec 80 CCC
- Traditional Participating Pension Plan more...
- Flexible premium paying frequency
- Choose your own policy term
- Tax benefits under Sec 80 C & 10 (10A)
- Lifelong assured income more...
- Choose from various annuity options
- Avail death benefit on certain options
- Avail tax benefit
- Option to start as early as 18 years more...
- Lower vesting/maturity age of 45 years
- Limited Pay & Single Pay
- Tax Benefits under Section 80C and Sec 10(10D)
- Additional premium allocation rate of 102.5% from 11th year onwards more...
- Assured benefits on maturity (vesting) with 101% of all premiums paid
- Flexibility to plan your retirement date and choose policy term
- Guaranteed regular income on the annuity purchased from us
- Assured maturity benefit (on vesting) of 101% of single premium more...
- Flexibility to choose single premium amount with option to invest further through top-up premiums
- Flexibility to plan your retirement date
- Guaranteed regular income on the annuity purchased
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Retire
- Online Unit-linked Pension Plan more...
- Entry age of 18 years
- Maturity age of 45 yrs
- Tax benefits under Sec 80 C & 10 (10A)
- Premium paying terms of 5,7 &10 yrs more...
- Avail a lump sum vesting benefit
- Assured Death Benefit
- Tax benefits under Sec 80 CCC
- Traditional Participating Pension Plan more...
- Flexible premium paying frequency
- Choose your own policy term
- Tax benefits under Sec 80 C & 10 (10A)
- Lifelong assured income more...
- Choose from various annuity options
- Avail death benefit on certain options
- Avail tax benefit
- Option to start as early as 18 years more...
- Lower vesting/maturity age of 45 years
- Limited Pay & Single Pay
- Tax Benefits under Section 80C and Sec 10(10D)
- Additional premium allocation rate of 102.5% from 11th year onwards more...
- Assured benefits on maturity (vesting) with 101% of all premiums paid
- Flexibility to plan your retirement date and choose policy term
- Guaranteed regular income on the annuity purchased from us
- Assured maturity benefit (on vesting) of 101% of single premium more...
- Flexibility to choose single premium amount with option to invest further through top-up premiums
- Flexibility to plan your retirement date
- Guaranteed regular income on the annuity purchased
MORE PLANS
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Invest - ULIP
- Choose from 8 fund options more...
- Flexible premium paying terms
- Flexible policy term
- Tax benefits under Sec 80C and Sec 10(10D)
- Low ticket size more...
- Multiple term options
- Guaranteed Additions1 of 3% p.a. during the first five policy years
- Bonuses declared at the end of each financial year
- Choose from maturity benefit option more...
- Flexibility for premium payments
- Convenient premium paying modes
- Tax benefits under Sec 80C &10(10D)
- Regular premium endowment plan more...
- Flexible policy term
- Insurance coverage throughout policy
- Tax benefits under Sec 80C and Sec 10(10D)
- Guaranteed reversionary bonus more...
- Insurance coverage throughout policy
- Avail Critical Illness rider
- Tax benefits under Sec 80C and Sec 10(10D)
- Flexible premium paying terms more...
- Hassle-free issuance
- Benefits between 180% to 325%
- Tax benefits under Sec 80C and Sec 10(10D)
- Regular income for 8 - 15 years more...
- Add on riders available
- Wide range of plan options
- Tax benefits under Sec 80C and Sec 10(10D)
- Flexibility to choose your investment term from 10 to 25 years more...
- Customize your premium payment options-Single, Limited or Regular
- Choice of 3 Benefit Options to suit your financial requirements
- Flexibility to choose from 8 fund options
- Choose from benefit options more...
- Choice of funds
- Convenient premium paying modes
- Tax benefits under Sec 80C &10(10D)
- Unitlinked savings-cum-insurance plan more...
- Choose from a range of funds
- Flexibility to make partial withdrawals
- Tax benefits under Sec 80C &10(10D)
- Flexibility to choose term more...
- Wide range of funds
- Hassle-free annual premium option
- Tax benefits under Sec 80C &10(10D)
- 4 fund options to choose from more...
- Market linked returns for 10 years
- Convenient premium paying modes
- Tax benefits under Sec 80C and Sec 10(10D)
- Choose from 4 fund options more...
- Flexibility for single premium top ups
- Flexibility for fund switching
- Tax benefits under Sec 80C &10(10D)
- Protect your investment from market risks with an Assured Maturity Benefit of 101% of Total Premiums paid more...
- Pay premiums only once or for a limited period of 5 years
- Get increasing Loyalty Additions from the end of the 6th policy year onwards to boost the Fund Value
- Stay protected during the entire policy term with life insurance cover
- Exclusively for Rural Customers more...
- Minimal Investment Amount
- Maturity benefit
- Tax Benefits
- In this policy, the investment risk in the investment portfolio is borne by the policyholder.HDFC Life Click 2 Invest - ULIP
- Choose from 8 fund options more...
- Flexible premium paying terms
- Flexible policy term
- Tax benefits under Sec 80C and Sec 10(10D)
- Low ticket size more...
- Multiple term options
- Guaranteed Additions1 of 3% p.a. during the first five policy years
- Bonuses declared at the end of each financial year
- Choose from maturity benefit option more...
- Flexibility for premium payments
- Convenient premium paying modes
- Tax benefits under Sec 80C &10(10D)
- Regular premium endowment plan more...
- Flexible policy term
- Insurance coverage throughout policy
- Tax benefits under Sec 80C and Sec 10(10D)
- Guaranteed reversionary bonus more...
- Insurance coverage throughout policy
- Avail Critical Illness rider
- Tax benefits under Sec 80C and Sec 10(10D)
- Flexible premium paying terms more...
- Hassle-free issuance
- Benefits between 180% to 325%
- Tax benefits under Sec 80C and Sec 10(10D)
- Regular income for 8 - 15 years more...
- Add on riders available
- Wide range of plan options
- Tax benefits under Sec 80C and Sec 10(10D)
- Flexibility to choose your investment term from 10 to 25 years more...
- Customize your premium payment options-Single, Limited or Regular
- Choice of 3 Benefit Options to suit your financial requirements
- Flexibility to choose from 8 fund options
- Choose from benefit options more...
- Choice of funds
- Convenient premium paying modes
- Tax benefits under Sec 80C &10(10D)
- Unitlinked savings-cum-insurance plan more...
- Choose from a range of funds
- Flexibility to make partial withdrawals
- Tax benefits under Sec 80C &10(10D)
- Flexibility to choose term more...
- Wide range of funds
- Hassle-free annual premium option
- Tax benefits under Sec 80C &10(10D)
- 4 fund options to choose from more...
- Market linked returns for 10 years
- Convenient premium paying modes
- Tax benefits under Sec 80C and Sec 10(10D)
- Choose from 4 fund options more...
- Flexibility for single premium top ups
- Flexibility for fund switching
- Tax benefits under Sec 80C &10(10D)
- Protect your investment from market risks with an Assured Maturity Benefit of 101% of Total Premiums paid more...
- Pay premiums only once or for a limited period of 5 years
- Get increasing Loyalty Additions from the end of the 6th policy year onwards to boost the Fund Value
- Stay protected during the entire policy term with life insurance cover
- Exclusively for Rural Customers more...
- Minimal Investment Amount
- Maturity benefit
- Tax Benefits
Insurance Plans
HOW CAN WE HELP YOU
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Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as term insurance plan, women's plan, health insurance plans, pension plans for retirement planning, child education plans, ULIPs, saving and investment plans. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.
As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/service@hdfclife.com/18602679999/HDFC Life branch. Ignore if already submitted.
HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office:
HDFC Life Insurance Company Limited,

Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.
The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement
For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792
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• IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.