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RESUME APPLICATION PAY PREMIUM

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Why HDFC Life Click 2 Invest

A Unit Linked Non-Participating Individual Life Insurance Savings Plan that offers you market linked returns along with financial protection for your family

Why HDFC Life Sanchay Legacy?

  • 10 fund options to match your investment preferences

  • Get fund value at maturity or in periodical installments based on your needs1

  • Make partial withdrawal from funds to meet financial emergencies if any2

  •  Tax benefits may be available as per prevailing tax laws3

  • Flexibility to save regularly, for limited period or pay once under Single Pay

  • Minimal charges applicable

  • 10 fund options to match your investment preferences

  • Get fund value at maturity or in periodical installments based on your needs1

  • Make partial withdrawal from funds to meet financial emergencies if any2

  •  Tax benefits may be available as per prevailing tax laws3

  • Flexibility to save regularly, for limited period or pay once under Single Pay

  • Minimal charges applicable

Why HDFC Life Sanchay Legacy?
  1. Opt for Settlement Option to receive maturity benefit in periodical installments.
  2. Partial withdrawals can be made from your funds after completion of 5 policy years, provided the Life Assured is at least 18 years of age.
  3. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
  1. Opt for Settlement Option to receive maturity benefit in periodical installments.
  2. Partial withdrawals can be made from your funds after completion of 5 policy years, provided the Life Assured is at least 18 years of age.
  3. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

Your Plan. Your Benefits

Flexibility to choose your policy and premium payment terms.

Select your core objective for buying an insurance cover

  • Maturity Benefit
  • Death Benefit
  • Partial Withdrawal

Maturity Benefit

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Benefit Options

  • At maturity you will receive your Fund Value.
  • Fund Value will be calculated by multiplying balance units in your fund by the then prevailing unit price.

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Fund Options

  • 10 Fund options

    • You can invest in a combination of funds by allocating your fund between different fund options.
    • You can switch between funds using fund switch option at any time.
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Check Eligibility Criteria

Before buying HDFC Life Click 2 Invest

ELIGIBILITY CRITERIA

Parameters

Minimum

Maximum

Age at Entry

Classic

0 years (30 days)1

65 years

Classic Plus

0 years (30 days)1

Classic Waiver

18 years

Classic Waiver Plus

18 years

Age at Maturity

Classic

18 years

Classic

99 years

Classic Plus

18 years

Classic Plus

85 years

Classic Waiver

23 years

Classic Waiver

85 years

Classic Waiver Plus

23 years

Classic Waiver Plus

85 years

Premiums

Single: Rs. 24,000

No limit, subject to Underwriting

Annual: Rs. 12,000

Half-yearly: Rs 6,000

Quarterly: Rs. 3,000

Monthly: Rs. 1,000

Sum Assured – Single Premium

Age at Entry < 50 years

125% of Single Premium 

There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).

Age at Entry >= 50 years

110% of Single Premium

Top up Sum Assured – Single Premium

Age at Entry < 50 years

125% of Top-up Premium 

Age at Entry >= 50 years

110% of Top-up Premium

Sum Assured - Regular & Limited Premium

Age at Entry < 50 years

7 x Annualized Premium

Age at Entry >= 50 years

5 x Annualized Premium

Policy Term

5 years
  • Classic Option:  99 years minus Age at Entry
  • Other than Classic Option: 40 years2

Premium Payment Term

Single Pay

Limited: 5 to (Policy Term -1) years

Regular Pay

All ages mentioned above are age as of last birthday

1. For Minor Life Assured: If Age of the Life Assured is less than or equal to 17 years, the life insurance cover under the Policy will commence:

a) either immediately from date of Commencement of the Policy or

b) up to 2 years after the date of Commencement of the Policy or on Policy Anniversary after attainment of majority, whichever is earlier.

Under option ‘b’, there shall be no mortality charge levied till the date of Risk Commencement. In case of death prior to Date of Risk Commencement, the insurance cover shall be restricted to the payment of fund value. In case of death on or after Date of Risk Commencement, death benefit will be as per applicable plan option.

2. This will be subject to the Maximum Maturity Age allowed under the selected option.

ULIPs are simple to understand!

Tune in to this video to know about our ULIPs.


Customize your cover with these riders

Riders in insurance have an important part in contingency planning. A ULIP is incomplete without them.
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    HDFC Life Income Benefit on Accidental Disability Rider – Linked

    UIN: 101A038V01

    A Linked, Non-Participating Pure Risk Premium, Individual Life rider where you can get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.

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    HDFC Life Protect Plus Rider – Linked

    UIN: 101A037V01

    A Linked, Non-Participating Pure Risk Premium, Individual Life/Health rider where you can get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.

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    HDFC Life Health Plus Rider – Linked

    UIN: 101A034V01

    A Linked, Non-Participating Savings/Pure Risk Premium, Individual Health rider where you can get lump sum benefit equivalent to Rider Sum Assured on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured on diagnosis of Early Stage Cancer / Major Cancer depending on the plan option chosen.

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    HDFC Life Waiver of Premium Rider – Linked

    UIN: 101A035V01

    A Linked, Non-Participating, Individual Pure Risk Premium, Life/Health rider where you can get Waiver of Premium for the base policy premium and premiums of any other additional riders, in case of death, disability or diagnosis of any listed critical illnesses of the Rider Life Assured. Enjoy continued policy benefits even in case of life's eventualities.

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    HDFC Life LiveWell Rider – Linked

    UIN: 101A036V01

    A Linked, Non- Participating Individual, Pure Risk Premium/ Savings, Life/ Health Insurance Rider where you can get lump Sum benefit equivalent to Rider Sum Assured on death/terminal illness/accidental death/hospitalisation or benefit as a proportionate of the Rider Sum Assured on disability due to accident/undergoing any listed surgery, depending on the plan option chosen.

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We help you to choose best insurance plan based on your needs

Frequently Asked Questions

We’ll tell you everything you need to know about HDFC Life Click 2 Invest

1 What are the charges applicable for this plan?

HDFC Life Click 2 Invest offers a minimal charge structure as stated below:

1. Premium Allocation Charge: Nil

2. Policy Administration Charge:

Plan option

Single Pay

Regular Play

Growth

Nil

Nil

Loyalty

0.03% per month of the single premium

0.25% per month of the Annualized Premium

 

The policy administration charge is subject to the cap of Rs 500 per month as per IRDAI (Insurance Products) Regulations, 2024.

No Policy Administration Charge will be deducted post 25 years from the inception of the policy.

3. Discontinuance Charge:

The discontinuance charges for limited and regular pay policies are as follows. 

Where the policy is discontinued during the policy year

Discontinuance Charges for policies having annualized premium up to Rs.50,000/- 

Discontinuance Charges for policies having annualized premium above Rs.50,000/-

1

Lower of 20% * (AP or FV) subject to maximum of Rs.3,000/-

Lower of 6% * (AP or FV) subject to maximum of Rs.6,000/-

2

Lower of 15% * (AP or FV) subject to maximum of Rs.2,000/-

Lower of 4% * (AP or FV) subject to maximum of Rs.5,000/-

3

Lower of 10% * (AP or FV) subject to maximum of Rs.1,500/-

Lower of 3% * (AP or FV) subject to maximum of Rs.4,000/-

4

Lower of 5% * (AP or FV) subject to maximum of Rs.1,000/-

Lower of 2% * (AP or FV) subject to maximum of Rs.2,000/-

5 and onwards

NIL

NIL


AP – Annualised Premium

FV – Fund Value on the date of discontinuance

The discontinuance charges for single pay policies are as follows.

Where the policy is discontinued during the policy year

Discontinuance Charges for policies having single premium up to Rs.3,00,000/- 

Discontinuance Charges for policies having single premium above Rs.3,00,000/-

1

Lower of 2% * (SP or FV) subject to maximum of Rs.3,000/-

Lower of 1% * (SP or FV) subject to maximum of Rs.6,000/-

2

Lower of 1.5% * (SP or FV) subject to maximum of Rs.2,000/-

Lower of 0.70% * (SP or FV) subject to maximum of Rs.5,000/-

3

Lower of 1% * (SP or FV) subject to maximum of Rs.1,500/-

Lower of 0.50% * (SP or FV) subject to maximum of Rs.4,000/-

4

Lower of 0.5% * (SP or FV) subject to maximum of Rs.1,000/-

Lower of 0.35% * (SP or FV) subject to maximum of Rs.2,000/-

5 and onwards

NIL

NIL


SP – Single Premium

FV – Fund Value on the date of discontinuance

This charge will be deducted by cancellation of units. 

4. Fund Management Charge –

  • 1.35% p.a. of the fund value, charged daily, for all other Funds.
  • 0.50% p.a. of the fund value for Discontinued Policy Fund.

5. Mortality Charge: The amount of the charge taken each month depends on your age and level of cover.

6. 4 free partial withdrawals in each Policy Year. Subsequent partial withdrawals, if any, will attract a charge of Rs 250 per requestor a reduced charge of Rs 25 per request if executed through our web portal.

7. 4 free switches in each policy year. Subsequent switches, if any, will attract a charge of Rs 250 per requestor a reduced charge of Rs 25 per request if executed through our web portal.

8. 4 free premium redirections in each policy year. Subsequent premium redirections, if any, will attract a charge of Rs 250 per requestor a reduced charge of Rs 25 per request if executed through our web portal.

2 Why is this plan good for me?

HDFC Life Click 2 Invest, lets you enjoy market linked returns along with valuable financial protection for your family. This plan has minimal Charges which help your fund value grow faster. The key features of this plan are:

1. Minimal Charge Structure

2. Choose from a range of 10 fund options

3. Premium payment options of Single Pay, Limited Pay or Regular Pay

4. Policy Term of Minimum: 5 years and

Maximum

  • Classic Option:  99 years minus Age at Entry
  • Other than Classic Option: 40 years^

^This will be subject to the Maximum Maturity Age allowed under the selected option.

5. Tax exemption under Sec 80C and Sec 10(10D) of Income Tax Act, 19613

3 What are the various fund options in this plan?

There are 10 fund options to choose from in this plan:

1. Diversified Equity Fund

2. Blue Chip Fund

3. Opportunities Fund

4. Balanced Fund

5. Bond Fund

6. Discovery Fund

7. Equity Advantage Fund

8. Flexi Cap Fund

9. Dynamic Advantage Fund 

10. Top 300 Alpha 50 Fund

4 Where do I check the fund performance?

To check fund performance CLICK HERE.

5 What do I get at the end of the policy term?

At the end of your policy term i.e. at maturity, you will receive your Fund Value.

6 For how many years can I stay invested in this plan?

You can choose a policy term of 5 years to 40 years under this plan.

7 What will my family receive in case of my unfortunate demise?

In case of the Life Assured's unfortunate demise, we will pay to the nominee the highest of the following:

1. Sum Assured

2. Fund Value

3. 105% of the premium(s) paid.

8 Can I terminate my policy?

You can surrender you policy subject to a lock in period of 5 years. No discontinuance charge is charged in this policy. Please refer to product brochure for more details on discontinuance of premiums and surrender of policy.

9 Can I do a partial withdrawal from my fund?

You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.The partial withdrawals shall not be allowed which would result in termination of the policy .

10 Is there a loan facility in my policy?

No policy loans are available for this product.

11 What is a settlement option?

Under settlement option, you can also take your fund value at maturity in periodical installments1.

Disclaimer:

1. Please refer to section under settlement option in product brochure for more details

12 What is the limited mode of premium pay?

A limited premium payment policy requires you to pay premiums for a term lesser than your policy term.

13 Can I buy more than one policy?

You can buy more than one policy subject to successful underwriting.

14 Are there medicals involved to buy this plan?

Yes. The list of medical tests required is on case to case basis.

15 How is the Fund Value calculated?

Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.

16 What is the minimum premium that needs to be paid?

Minimum premium amounts for various premium payment frequencies are as follows:

1. Single: ₹ 24,000

2. Annual: ₹ 12,000

3. Half Yearly: ₹ 6,000

4. Quarterly: ₹ 3,000

5. Monthly: ₹  1,000

17 I am a NRI. Can I Invest in this plan?

NRIs can invest in this plan by filling a mandatory NRI questionnaire.

18 What is the frequency in which I can invest my money?

Single, Annual, Half-yearly, Quarterly or Monthly

19 What is the maximum amount I can invest?

There is no limit on maximum amount that you can invest in this plan, subject to underwriting.

20 What are the key features of this plan?

HDFC Life Click 2 Invest offers:

1. Minimal Charge Structure

2. Premium payment options of Single Pay, 5,6,7,8,9,10 Limited Pay or Regular Pay

3. Policy Term of 5 to 40 years

4. 10 Fund options

5. Wide entry age range from 0(30 days) to 65 years

21 Is there any protection cover in this plan?

Yes. In case of the Life Assured's unfortunate demise, we will pay to the nominee the highest of the following:

1. Sum Assured,

2. Fund Value,

3. 105% of the premium(s) paid.



22 Can I surrender this policy?

Yes you can surrender your policy. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.

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Disclaimers

The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.

HDFC Life Click 2 Invest (UIN: 101L178V01) a Unit Linked Non-Participating Individual Life Insurance Savings Plan.  HDFC Life Income Benefit on Accidental Disability Rider – Linked (UIN: 101A038V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life Rider. HDFC Life Protect Plus Rider – Linked (UIN: 101A037V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life/Health Rider.  HDFC Life Health Plus Rider – Linked (UIN: 101A034V01) is a Linked, Non-Participating Savings/Pure Risk Premium, Individual Health Rider. HDFC Life Waiver of Premium Rider – Linked (UIN: 101A035V01) - A Linked, Non-Participating, Individual Pure Risk Premium, Life / Health Rider. HDFC Life LiveWell Rider – Linked (UIN: 101A036V01) - A Linked, Non-Participating, Individual Pure Risk Premium, Life / Health Rider Life insurance coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Click 2 Invest (UIN: 101L178V01)is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

Tax laws are subject to change from time to time.

ARN - PP/05/25/23781