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HDFC Life Insurance Company India

HDFC Life Insurance is a standard life insurance company supporter of housing development Finance Corporation limited. It is a joint venture between HDFC ltd and standard life Aberdeen, a global investment company. HDFC Life is a leading long-term life insurance provider established in 2000, the company proposes individual and group insurance solutions that meet policyholder’s requirements as investment, savings, pension plans, protection, and health, etc.

The company has 13 group plans, 37 individual, and 7 optional rider benefits which will benefit to the customer needs. HDFC Company has partnership with NBFCs, MFIs, and SFBs, these make HDFC company the strong base financial consultants.

HDFC Life Insurance Company has specific required plans to every needs divided into Term Insurance Plans, Savings Plans, ULIP plans, Retirement & Pension Plans, Health Plans, Child Plans, Group Insurance Plans, etc.

Why Choose HDFC Life Insurance?

Claim Settlement Ratio: The Company provides every policyholder have financial security to their family in case any death/demise happens the insurer will give hassle-free service with claim settlement ratio of 99%.

Critical Illness Benefit: The critical illness covers you with 19 illnesses which will secure your family against the loss of income due to any illness diagnosed.

Life Cover till 99 years: To ensure your financial protection for family when you are not around with a life cover up to 99 years at affordable premiums.

Corona Kavach Add-on: This add-on covers you from expenses spent for hospitalization, PPE kit, gloves, Masks, etc. if your affected with Corona kavach/covid-19.

Accidental Death Benefit: This accidental death covers you with additional payouts in case of any death happened by road accident.

1 Day Claim Settlement: HDFC Life will pay an interest on your death claim amount for every single day and it is eligible only for online policy purchases.

HDFC Life Insurance Plans:

1.) Term Insurance Plans:

Benefits of Buying Term Insurance Policy are too providing High protection at low premiums, Add-ons, and financial Security.

Why should Buy Term Insurance Policy?
  • Low premium and attractively large cover
  • Financial dependents are protected
  • Insure your assets
  • Riders/add-ons.

i. HDFC Life Click 2 Protect Life:

A non-linked, individual, pure risk premium/savings life insurance plan to give assurance of a 98.01% claim settlement ratio, additional sum assured on Accidental death, money-back all premiums paid on survival till maturity with return of premium option, avail waiver of premium on diagnosis of critical illness, and special premium rates for female lives and non-tobacco users.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
18 to 65 years 85 years 10 to 40 years Rs. 25 lakhs No maximum limit Monthly, quarterly, half-yearly and yearly. Basic life cover due to death benefit, Life cover & Critical illness cover, and life cover & Regular income.

ii. HDFC Life Saral Jeevan Bima:

HDFC Life Saral Jeevan Bima is to covers flexible premium payment terms, additional protection through add-ons/riders, and financial protection to your family. Again HDFC Life Saral Jeevan Bima has two variants HDFC Life Click 2 Protect 3D plus and Click 2 protect health.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
18 to 65 years 23 to 70 years 40 years Rs. 5 lakhs Single pay, regular pay Death during and after waiting period.

2.) Savings Plans:

Savings Plans is to offer you a convenience to build a bulk to meet your future needs when you are not around them. Savings plans usually give a fixed amount of maturity benefit when the policy term ends, regular income throughout the duration of the policy or as a part of maturity proceeds. Savings plans essentially help you in reaching your life goals; protect your family in any uncertainties.

i. HDFC Life Sanchay Plus:

This HDFC Life Sanchay Plus savings plan is to safeguards your family future which helps in providing lump sum or regular income payment, lifelong income options available, and returns of total premiums paid at the end of payout period.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
5 to 50 years 60 to 73 years 15 to 25 years Rs.1, 18, 392 Monthly, quarterly, semi-annually, and annually. Maturity & Death Benefit: Guaranteed maturity & income options. Life Long term income.

ii. HDFC Life Sanchay Par Advantage:

HDFC Life Sanchay Par Advantage is a savings plan that secures you with whole life cover plus lifelong income, tax benefits; accumulate survival benefits, payout period on financial goals.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
30 days to 60 years 100 years 30 to 40 years Rs.3,00,000 Annually, half-yearly, monthly, quarterly. Immediate income option, deferred income option.

iii. HDFC Life Sanchay:

HDFC Life Sanchay is a financial life with guaranteed benefits, flexibility to choose investment, and single and limited period premium payment option.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
5 to 30 years 50 to 65years 5 to 15 years Rs.2,510 Annually, half-yearly, monthly, quarterly. Maturity benefits, death benefits.

iv. HDFC Life ClassicAssure Plus:

This HDFC Life ClassicAssure Plus is to give security to limited premium period up to 7 to 10 years, minimum 3% bonus applicable.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
8 to 55 years 55 to 60years 10 to 15 years Rs.50k to 80k Annually, half-yearly, monthly, quarterly. Maturity benefits, death benefits, high sum insured, and policy loan.

v. HDFC Life Super Income Plan:

HDFC Life Super Income Plan is to build regular income for 8 to 15 years, flexibility to choose premium payment frequency, and insurance coverage throughout the policy plan.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
30 days to 18years 18 to 75years 15 to 27 years Sum assured as per maturity separated by period of pay out. Single pay and annually Survival, Maturity, death benefits, and policy loan.

vi. HDFC Life Sampoorn Samridhi Plus:

HDFC Life Sampoorn Samridhi Plus plan is to build wealth and plan your legacy while enjoying lifetime coverage and two key elements of savings and protection, Additional Benefits in case of death due to an accident, and Limited premium payment term equal to policy term less 5 years.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
30 days to 60years 18 to 75years 15 to 40 years Rs. 65k to 5lakhs Annually, yearly, monthly, and quarterly. Endowment maturity and death benefit, Endowment with whole life options.

vii. HDFC Life Uday Plans:

HDFC Life Uday Plans is to provide support to your loved ones benefits you with simple issuance process, guaranteed additions on sum assured, and in built accidental benefits.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
18 to 55years 30 to 70years 8 to 12 years Rs. 28k Annually, yearly, monthly, and quarterly. Maturity & death benefits, Auto cover and high sum assured

viii. HDFC Life Pragati Plans:

HDFC Life Pragati plans is to secure your loved ones with premiums starting as low as Rs.100 per month and guaranteed return of premiums on maturity/death.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
8 to 55years 18 to 65 8 to 10 years Rs. 5k to 20lakhs Single, limited, and regular pay Maturity & death benefits, Auto cover and bonuses

3.) ULIP Plans:

Unit Linked Insurance Plan helps you to invest in plans offering protection and market linked benefits. In Unit Linked insurance plan to customize your savings depend on your financial needs and get higher returns for your investments.

i. HDFC Life Click 2 Wealth:

This HDFC Life Click 2 Wealth insurance plan that offers market linked returns to maximize your investment, unlimited free switching options, minimal charges towards your funds and mortality charge towards your life cover.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
30 days to 60 years 18 to 75years 10 to 40 years 1.25 x Single pay, 10 x regular pay, Top-up. Single pay 5, 7 and 10 years, regular pay 10 to 40 years Invest Plus options like maturity, death and fund boosters. Premium Waiver options and golden years benefits.

ii. HDFC Life Click2Invest ULIP:

HDFC Life click2invest ULIP is to cover your family Make single payments or limited period payments for 5, 7, 10 years or equal to policy term and Make partial withdrawal from funds.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
30 days to 65 years 18 to 75years 5 to 20 years Single, regular and limited. Annually, half-yearly, and quarterly. 5, 7, 10 and 20 years. Maturity, death, and partial withdrawal fund options.

iii. HDFC Life ProGrowth Plus:

HDFC Life ProGrowth Plus build wealth while you stay insured and get market linked benefits for your investments.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
14 to 55years 18 to 65years 10 to 30years Annual premium of 10x and 0.5, Age less than and greater than 45years 10 to 30 years Maturity benefits, death benefits, and accidental death benefits.

iv. HDFC SL ProGrowth Super II:

This HDFC SL ProGrowth Super II policy is the investment risks support by the policyholder. A smart savings insurance plan to achieve long term savings. It also covers against death and disability & critical illness cover.

Entry Age Maximum Age Policy Term Premium Payment Benefits
14 to 65years 65 to 75years 10 to 30years Annually, half-yearly, monthly, quarterly. Maturity benefits, death benefits, accidental, critical illness disability cover.

v. HDFC SL Crest:

HDFC SL Crest insurance plan benefits of paying premiums for a limited term and make partial withdrawal from funds. No limits on maximum premiums, pay premiums for just 5 years and enjoy a policy term of 10 years.

Entry Age Maximum Age Policy Term Benefits
14 to 55years 65years 10years Maturity, death benefits, and partial withdrawal benefit.

vi. HDFC SL ProGrowth Flexi:

HDFC SL ProGrowth Flexi plan secures your family goals by making smart investment decisions, manage you funds either by switching premiums into a new one.

Entry Age Maximum Age Policy Term Premium Payment Benefits
14 to 65years 70 to 75years 15 to 40years Annually, yearly, monthly, and quarterly. Maturity and death benefit, accidental death benefit options.

vii. HDFC Life Smart Woman Plan:

HDFC Life Smart Woman Plan for women to live life worry free the sum assured of up to 40 times your annualized premium and it is up to 40 times your annualized premium.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
18 to 55years 30 to 70years 8 to 12years Rs. 28k Annually, yearly, monthly, and quarterly. Maturity & death benefits, Auto cover and high sum assured

viii. HDFC Life Pragati Plans:

HDFC Life Pragati plans is to secure your loved ones with premiums starting as low as Rs.100 per month and guaranteed return of premiums on maturity/death.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
18 to 50years 28 to 60years 10 to 15years Rs. 24k to 1lakhs Single, limited, and regular pay. Maturity, death, premium waiver, and cash-pay out.

ix. HDFC Life Sampoorna Nivesh:

HDFC Life Sampoorna Nivesh plan is to cover loyalty additions, reducing allocation charges and single, limited or regular premium payment options. And also benefits you with reduced premium allocation charges on higher premium.

Entry Age Maximum Age Premium Payment Benefits
30 days to 54 years 60 to 70years Single, limited, and regular pay. Classic, classic plus, classic waiver benefits with maturity and death benefits.

x. HDFC Life Classic One:

HDFC Life Classic One plan secure your family lifestyle market linked returns with 10times, return of allocation and 11 fund options with unlimited free change of options.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
0 to 50years 18 to 90years 10 to 50years 1.5 X, 10x single premium. Single, limited, and regular pay. Single life and joint life variant contains maturity, death, loyalty additions, and partial withdrawal.

xi. HDFC Life Capital Shield:

HDFC Life capital shield gives your family the security to reach greater reaches assured maturity benefit, loyalty additions from end of the policy, and life insurance cover during entire policy term.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
8 to 60years 18 to 70years 10 years 7to 10 times annual premium Single pay 5 years Maturity, death, loyalty additions.

4.) Retirement & Pension Plans:

Retirement & Pension Plans start saving from today itself to enjoy your future retirement life. With increasing life expectations the longer you live the more you spend.

Retirement Plans What Is It? Age of Entry & Maturity Age Policy Term and premium payment Sum Assured Benefits
HDFC Life New Immediate Annuity Plan A traditional retirement plan with guaranteed returns. Return of purchase price upon death or critical illness. 20 to 85 years Monthly, quarterly, half-yearly, or, yearly. Without and with return of purchase. Rs. 10, 000 Three Plan, Two Rider options and better half & Death payment mode.
HDFC Life Click 2 Retire This unit linked pension plan with assured vesting benefits, no premium allocation charges no policy charges and no exit charges. 16 to 75 years 10 to 35 years, premium payment depends on annually, quarterly, monthly. No limit Vesting benefit, death benefit.
HDFC Guaranteed Pension Plan This plan premium paying terms from 5 to 12 years, guaranteed death benefit of sum assured is of 3%, 6% per annum. 35 to 80 years 8 to 30 years, premium payment is of 5 to 12 years. Vesting benefit, death benefit, and policy proceeds.
HDFC Life Personal Pension Plus This plan seeking a secure retirement income and fulfil all your post retirement goals. 35 to 80 years 8 to 30 years, premium payment is of 5 to 12 years. Vesting benefit, death benefit, and policy proceeds.
HDFC Life Assured Pension Plan This protection plan specially designed for coronavirus/ covid-19 defeaters. 18 years 10 to 35 years. Single pay Rs. 156 to 2,230 No medical Examination and easy pay out.
HDFC Life Saral Pension This non linked pension plan that offers you annuity as long as you or spouse is alive. 40 to 80 years Monthly, yearly, annually. Rs. 2,00,000 Single Life Annuity, Joint life Annuity option with survival and death benefit.

5.) Child plans:

Child Insurance plan is to cover his/her future expenses to invest in rising college tuition fee, private school and foreign university fee, and future marriage expenses.

Child Plans What Is It? Age of Entry & Maturity Age Policy Term and premium payment Sum Assured Benefits
HDFC Life Click 2 Wealth This plan is to cover children future by combining insurance and investment all future premiums will be waived off and Return of mortality charges on maturity. 18 to 65 years 10 to 40 years Single pay, regular & limited pay, top-up. Invest Plus, Premium Waiver, and Golden Years benefit.
HDFC Life Click 2 Retire This plan is to cover combination of funds, save and save and gain, secure you against death or diagnosed with critical illness. 18 to 75 years 10 to 20 years Maturity, death benefit.
HDFC Life Youngstar Udaan This plan offers lump sum pay out of up to 140% of sum assured and additional bonuses. Premiums for limited period and enjoy coverage throughout the policy term. 35 to 80 years 30 days to 75 days Maturity and death benefits.

6.) POS Plans:

HDFC Life Guaranteed Savings Plan:

HDFC Life Guaranteed savings plan offers affordable low premiums, maturity disclosed value and hassle free issuance on declaration of good health. Sum assured on death at least 10 times the single premium, and no need to undergo medical examination.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
8 to 55years 18 to 65years 10 to 15 years Rs. 10 lakhs 5 years and 7 years Maturity, death, and loan

7.) Combo Plans:

HDFC Life Sanchay Maximiser:

Secure your family’s future with lifelong regular income and assured benefits with whole life cover and lifelong income, and tax benefits as per prevailing tax laws.

Entry Age Maximum Age Policy Term Sum Assured Premium Payment Benefits
7 to 60 years 100 years 10 to 15 years Rs.60, 000 to No limit. 6, 10 or 12 years Maturity, death, and survival benefits

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