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

Protection Plan

Protection Plans

Term plans are typically low cost life insurance plans that provide full protection and financial stability to your loved ones in case of any unforeseen events.
Health Plans

Health Plans

HDFC Life provides a variety of Health Insurance Plans & Mediclaim Policies that offer financial security to meet health related contingencies
Children's Plans

Children's Plans

Successful parenting is no mean accomplishment.A huge contributor to this success is financial planning for your child's future needs at the right age!
Savings and Investment Plans

Savings and Investment Plans

Our Savings and Investment plans are life insurance plans that offer you multiple avenues to save and grow your money.
Insurance Plans for Women

Women's Plans

Women's plans are a set of specially created and hand-picked products which suit the needs of women at different stages of their life.
Retirement Plans

Retirement Plans

Retirement and Pension Plans provide you with financial security so that when your professional income starts to ebb, you can still live with pride without compromising on your living standards.
Rural and Social Plans

Rural & Social Plans

Rural & Social Plans are a special offering from HDFC Life, exclusively for the benefit of our rural customers.
Shaurya Plans


Sales and after sales service from individuals who have in-depth understanding and appreciation of Armed forces, police & paramilitary , their lifestyle, protection and financial requirements.
ULIP Plans

ULIP Plans

HDFC Life offers you a variety of ULIP products depending on your risk appetite and financial goals.
NRI Insurance Plans

NRI Insurance Plans

Being a developing country India's economical growth in recent years has been phenomenal. Thus, NRI's have even more reasons to invest in India.
Group Insurance Plans

Group Insurance Plans

HDFC Life offers various group life insurance policies that help employers/trusts with meeting their employee benefit liability obligations in a simple , efficient and cost effective manner.
Discontiuned Insurance Plans

Discontinued Insurance Plans

List of HDFC Life Products which have been discontinued and are now closed for sale. These life insurance products continue to be serviced by the HDFC Life Customer Service team.

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.

Life Insurance Articles

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
BFSI Awards 2018
Our Claim Promise
  • 1-Day Claim Settlement*. * Know More

  • We have honoured 98.01% Individual claims!#

#Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2020-21.

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