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HDFC Life Click 2 Invest Plus
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About HDFC LIFE
HDFC Life is one of India's leading life insurance company offering a range of individual and group insurance solutions that meet your various needs such as Protection, Pension, Savings & Investment, Health and more.
SUPERBRAND FOR THE 10TH TIME
Superbrand 2026
SUM ASSURED
17 lakh crore
New Business
BRANCHES
700+
Across in India
ASSETS UNDER MANAGEMENT
3.75 Lakh crore
In FY 25-26
NUMBER OF LIVES INSURED
~4.6 Crores
In FY 25-26
As per HDFC Life Integrated Annual Report FY 2025-26
We have honoured 99.39 % Individual claims!*
*Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2022-23. Check last 5 years claims trend.
1 Day Claim Settlement. Know More
One 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 for every day of delay beyond one working day
1. For all claims fulfilling above mentioned conditions, provided we receive all the required documents, the claim will be processed 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 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.
Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is 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. In case of an accidental death, additional documents will be required. Post Mortem Report, Panchnama, Police Inquest report, First/Final Information report, Viscera/Chemical Analysis report.
What is life insurance?
Have you ever wondered what would happen to your family in case of your untimely demise someday? Who will take care of their finances, such as their EMIs, grocery, education, and marriage expenses? Will your investments or savings be enough to help them survive for long? If you are indeed worried about all this, then life insurance is surely the answer. To determine the right coverage for your family’s needs, you can use a life insurance calculator. This tool will help you assess how much life insurance you need based on your financial goals and the future needs of your loved ones.
In exchange for your premium payments over the course of the policy term, the life insurrer such as HDFC Life offers you a life cover sum. Life insurance cover safeguards the future of your family by providing a lump sum payment, also known as a death benefit, in the event of your untimely demise during the policy’s term. Moreover, upon the expiration of the policy term, certain life insurance policies offer you a maturity benefit.
As you pay the life insurance premiums, the insurer agrees to pay a certain amount of money to the beneficiary of the life insurance policy upon the policyholder's death or after a predetermined period of time, which is the cover amount.
Because paying premiums is the only way to access all the benefits of a life insurance policy, it is best to choose a premium that is affordable. Only when you keep paying all premiums on time, the insurer offers the cover amount promised.
Now comes the question, why buy a life insurance? What benefits does it offer? Well, let us simplify that for you.
The most vital benefit of life insurance is safeguarding your finances. Any type life insurance plan has the ability to give your family financial stability is one of its main advantages. A death benefit is a core part and is included in life insurance policies. Your family members or nominee(s) will receive the sum assured, which is a predetermined amount if you pass away within the policy's term. This guarantees your family members' financial stability even when you aren't around.
The second benefit of life insurance is that it helps inculcate a savings habit. In order to maintain the validity of your life insurance policy, you must make periodic payments or premiums. Your policy may be cancelled if premiums are not paid. Thus, you develop a saving habit that will serve you well in the long run by investing on a regular basis.
Life insurance also promotes tax savings. The government has extended tax savings to a wide range of investment instruments in an effort to encourage savings and investment. One such tool is life insurance. As per 80C deductions of the Income Tax Act of 19611, you are eligible to receive a tax deduction of up to Rs 1.5 lakh for the annual premium that you pay. You thus get the advantage of both tax savings and investment.
Life insurance offers several benefits, including helping you achieve major financial goals in life. For instance, the best child education plan can serve as both a safety net and an investment. Over time, certain life insurance policies build cash value. Plans like ULIPs combine insurance coverage with an investment component, where a portion of your premium is invested to generate returns. These returns accumulate into a substantial corpus, which can be used to fulfill significant objectives, such as funding your child’s education or planning for their future milestones like marriage.
The fifth benefit of life insurance is distribution & wealth protection. One of the safest long-term investment options is life insurance policies. Hence, having life insurance will enable you to protect your wealth from taxes & inflation for an extended period of time. Because of this feature, life insurance plans are excellent tools for retired investors to create long-term pensions.
By combining a life insurance plan and a health insurance plan in your financial planning, you can ensure your family’s complete well-being—protecting them from both life's uncertainties & rising healthcare costs.
Types of Life Insurance
Let’s explore the types of life insurance as per your financial needs:
Term Life Insurance
Term insurance is the simplest form of life insurance that provides financial protection against death for a specific period. Since term life insurance is pure life insurance its premiums are affordable. Ideally you should get a term plan as early as possible as its premiums increase with age. Along with your term insurance plan you can avail additional coverage with add-on riders, for example if you want to get critical illness insurance you can get the critical illness rider. You can also opt to get all your premiums back after the term of the policy in case you survive through term insurance with return of premium.
ULIPs
A Unit Linked Insurance Plan (ULIP) is a type of life insurance that combines protection with investment. With a ULIP Plan, you get life coverage and the chance to invest in market-linked options, which can potentially increase your money over time. It also offers tax benefits as per your income tax slab and the flexibility to switch between different investment funds. A ULIP calculator helps you figure out how much coverage you need and how to split your money between insurance and investments.
Endowment Policy
The endowment policy provide guaranteed returns and protection of life insurance. By choosing an endowment plan, you can experience extensive coverage with the opportunity to save regularly. Thus, a policyholder expects to achieve a lump sum once the policy matures. To calculate the final payout of this policy you can use the savings calculator. In case of your sudden death during the policy tenure, your nominee will be eligible for death benefits.
Retirement Plans
A retirement plan or pension plan is an investment plan designed to ensure you’re financially secure when you retire. It lets you invest money while you’re working, building up a savings fund that you can use when you stop working. Investing in a retirement plan is a smart, disciplined way to prepare for a comfortable and worry-free retirement.
Child Plans
Child insurance plan helps secure your child’s financial future by saving for education and marriage costs. Child plans provide maturity benefits when the child turns 18, either as a lump sum or in yearly payments. They also include insurance for parents, offering financial support if the insured parent passes away during the policy period.
Participating Life Insurance Plans
It is a type of savings plans where you invest in a participating plan you will receive dividends and bonuses derived from the profits. These payments are usually made annually. There are several ways in which you can utilize and receive dividends and bonuses if you hold a participating policy:
- When the life insurance company distributes payouts, you will receive them.
- If you have a plan with a due premium amount, use the payouts to pay it.
- Make sure dividends or bonuses are deposited with the insurance company so that interest can be earned on them.
These benefits are in addition to the regular maturity benefits that are guaranteed by the life insurance company. If applicable, some insurers offer terminal bonuses upon maturity along with paid-up additions.
Whole Life Insurance
Whole life insurance offers long-term coverage, providing financial protection for your family up to the age of 100. Often referred to as permanent life insurance, it ensures that your loved ones are financially secure even after you're gone. Additionally, it allows you to plan for your own financial goals. When considering the policy, it's essential to understand the impact of GST on whole life insurance, as it may affect your premiums and overall cost.
Annuity Plans
Annuity plans ensure you get regular income after you retire, helping you build savings for the future. Whether you opt for an immediate annuity plan that starts payments right away or a deferred annuity plan that accumulates value over time, these financial products provide steady payments throughout retirement.
Money back policy
Money Back Policy is a type of life insurance plan that offers both life cover and regular returns during the term of the policy. It combines the benefits of life insurance and investment, providing financial protection along with steady returns at specific intervals.
Learn more about Life Insurance Products
What are the 3 benefits of term insurance?
The benefits of term insurance are affordable premiums, financial protection for your loved ones and tax exemptions.
Is it good to have a term insurance plan?
It is possible for a family to achieve their financial goals as well as meet their day-to-day expenses by purchasing a term insurance policy. The dependants of the insured do not suffer financially if a term insurance of adequate life cover is in place. You can opt for the best term insurance plan for 1 crore, like HDFC Life Click 2 Protect Supreme Plus to ensure your family’s future against any uncertainty.
Is accidental death covered in term insurance?
Accidental death is covered by a term insurance policy. The sum assured on a term insurance policy will pay out no matter what the cause of death is, whether it is a result of a health issue or an accident.
What happens at the end of a term life insurance policy?
When a term life insurance policy expires, the policyholder does not have to take any action. A policyholder will be notified that the policy is no longer in effect; no premiums are payable, and no death benefits would be paid out.
What are the Death Benefits under Term life Insurance?
Death Benefits are paid to your dependents in a lump sum payment if you die unexpectedly. But few term insurance policies do provide a monthly income along with a lump sum amount to assist with regular expenses.
What is Term Insurance Premium?
This is the sum of money you pay the insurance company in exchange for financial security. A monthly, semi-annual, or annual premium payment can be made.
- Savings
- ULIP
- Retirement
- Child
What is a savings insurance plan?
A savings insurance plan is a type of insurance policy that allows you to invest for a financially secure future. These plans help you develop a disciplined habit of saving and aid to achieve your future goals. Crucially, they offer life coverage for the policyholder, securing the family’s financial future.
Why should you invest in a savings insurance plan?
If you are risk-averse but want to build a corpus for your future financial goals, a savings insurance plan like the HDFC Life Guaranteed Income Insurance Plan2 could be ideal. These policies offer life coverage, protecting your loved ones and providing them with financial support at a difficult time. Additionally, it helps you develop a disciplined saving scheme and builds up funds for your future.
What are the benefits of a savings insurance plan?
When you purchase a savings insurance policy like HDFC Life Sanchay Par Advantage3, you benefit from financial stability as it provides guaranteed returns to help you meet future expenses. The plan also offers life coverage for the policyholder, providing your loved ones with a financial safety net if anything happens to you. These plans are also eligible for tax savings under the provisions of Sections 123, 126 and 11 of the Income Tax Act of 2025.
What are the tax benefits of a savings insurance plan?
Savings insurance plans offer tax benefits under Section 123 and Section 11 read with Schedule II of the Income Tax Act, 202510. The premium amount is eligible for a deduction of up to Rs. 1, 50,000 per tax year from your taxable income under Section 123. Under Section 11 read with Schedule II, the maturity and insurance benefits payable when the policy ends are tax-free, subject to satisfaction of the conditions prescribed.
Should I pick a long-term or short-term savings investment plan?
The savings investment plan term you select should depend on your goal. If you’re saving up for a short-term goal, such as a holiday abroad or home renovations, you can opt for a short-term plan. However, if you’re saving up to send your child to college, purchase a home, or for retirement, you should opt for a long-term plan.
Why choose a savings plan from HDFC Life?
HDFC Life offers steady returns and a competitive individual death claim settlement ratio, providing financial security to you and your loved ones. We offer multiple plans and customisable options, enabling you to find the ideal savings plan for your financial needs.
Here's all you should know about Life Insurance.
We help you to make informed insurance decisions for a lifetime.
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T&C*
*. For more details on other plans, please visit product category page on the website:- www.hdfclife.com
**Provided all due premiums have been paid and the policy is in force.
##Individual claim settlement ratio by number of policies as per audited annual statistics for FY 25-26
1. Tax benefits are subject to conditions under Section 10 and other provisions of the Income Tax Act, 1961. Tax Laws are subject to change from time to time.
2. HDFC Life Guaranteed Income Insurance Plan UIN: 101N146V10. A Non-Linked, Non-Participating Individual Life Insurance Savings Plan.
3. HDFC Life Sanchay Par Advantage (UIN: 101N136V04), A Non-Linked Participating, Life Insurance Plan coverage is available in this product.
4.Loyalty addition would be added to the fund starting from 10 policy anniversary for the other than ‘Single Premium’ policies paying annualized premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
5. HDFC Life Click 2 Protect Supreme Plus (UIN: 101N189V03) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product.
6. The premium amount is exclusive of taxes & levies.
7. Applicable under HDFC Life Click 2 Protect Supreme Plus if the policy has completed at least five (5) policy years from the risk commencement date and all the due premiums have been received in full and the policy is in force. If the premium break benefit has been exercised in the last 5 policy years, then the next premium break benefit shall not be allowed. The premium break benefit shall not be available during the last policy year of the premium payment term.
8. HDFC Life Click 2 Protect Supreme Plus (UIN:101N189V03) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product: 10% discount on first year premium would be applicable for only Salaried customers, under Regular Pay & Limited Pay. A 15% discount on the base premium rates will be applicable for female lives.
9. Applicable for all in force policies after a waiting period of 1 year. Please refer to policy documents for Terms & Conditions
10. Tax benefits & exemptions are subject to the conditions of the Income Tax Act, 2025 & the Income Tax Act, 1961 and its provisions. Tax Laws are subject to change from time to time. Customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
ARN - DM/03/25/22704