HDFC Life
Sar Utha Ke Jiyo
HDFC Life is one of India's leading life insurance companies, a joint venture between HDFC Ltd and Abrdn plc. Known for innovative products and excellent customer service.
2000
Founded
99.39%
Claims Ratio
10
Insurance Plans
4.8★
Customer Rating
Term Insurance Plans
Pure protection plans with highest sum assured at lowest premium
HDFC Life Click 2 Protect Supreme Plus
India's most comprehensive term plan with 3 flexible options and exclusive discounts
₹19/Day
Premium
Up to ₹5 Crore
Coverage
10-50 Years
Policy Term
₹10 Lakh
Min Sum Assured
Benefits
Key Features
- 3 plan options - Life, Life Plus, and Life & Health
- 15% discount for female lives
- 10% discount for salaried individuals
- Life stage benefit - cover increases at marriage, childbirth, home purchase
- Whole life option available up to age 99
- Return of all premiums option on survival
Available Riders
HDFC Life Click 2 Protect Life
Simplest term plan with life cover and return of premium options
₹15/Day
Premium
Up to ₹3 Crore
Coverage
10-40 Years
Policy Term
₹10 Lakh
Min Sum Assured
Benefits
Key Features
- Simple and affordable term plan
- Return of premium option available
- Level and increasing sum assured options
- Whole life cover option up to age 85
- Critical illness benefit available
- Global accident cover included
Available Riders
Endowment / Savings Plans
Guaranteed returns and wealth building with life protection
HDFC Life Sanchay Plus
4 guaranteed return options - choose income pattern that suits your goals
₹120/Day
Premium
Guaranteed Returns for Life
Coverage
10-25 Years
Policy Term
₹1 Lakh
Min Sum Assured
Benefits
Key Features
- 4 plan options - Guaranteed Maturity, Guaranteed Income, Life Long Income, Long Term Income
- Guaranteed income for 10/12/25/30 years or whole life
- Guaranteed additions of ₹55 per 1000 Sum Assured per year
- Flexible payout - lump sum or regular income
- Loan facility available
- Tax benefits under Section 80C & 10(10D)
Available Riders
HDFC Life Sanchay Par Advantage
Participating plan with triple benefit - guaranteed additions + bonuses + life cover
₹100/Day
Premium
Guaranteed Additions + Bonuses
Coverage
15-25 Years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed additions from year 1
- Reversionary bonuses paid annually
- Final bonus on maturity
- Life cover continues for full policy term
- Loan facility available
- Tax benefits under Section 80C & 10(10D)
Available Riders
Money Back Plans
Fixed maturity with guaranteed returns and flexible payout options
HDFC Life Sanchay Fixed Maturity Plan
Pick your maturity date and lock in guaranteed returns - no market surprises
₹80/Day
Premium
Guaranteed Maturity Amount
Coverage
10-20 Years
Policy Term
₹1 Lakh
Min Sum Assured
Benefits
Key Features
- Choose your own maturity date
- Guaranteed returns locked in at policy inception
- No market risk - fixed maturity benefit
- Flexible premium payment options
- Loan facility available
- Tax benefits under Section 80C & 10(10D)
Available Riders
ULIP / Investment Plans
Market-linked wealth creation with insurance protection
HDFC Life Click 2 Invest Plus
100% premium allocation, 4 portfolio strategies, and zero allocation charges
₹50/Day
Premium
Market Linked Returns
Coverage
10-30 Years
Policy Term
10x Annualized Premium (min 1.25x for age > 45)
Min Sum Assured
Benefits
Key Features
- 100% premium allocation from day 1
- No allocation charges
- 4 portfolio strategies - Systematic, Value, Dynamic, Aggressive
- Unlimited fund switching
- Systematic Transfer Plan (STP) available
- Partial withdrawals after 5 years
Available Riders
HDFC Life Sampoorna Nivesh Plus
One-time investment with life cover and market-linked wealth creation
₹200/Day
Premium
Market Linked Returns + Life Cover
Coverage
10-30 Years
Policy Term
1.25x Single Premium
Min Sum Assured
Benefits
Key Features
- Single premium - one-time investment
- Life cover for the entire policy term
- Multiple fund options to choose from
- Fund switching facility available
- Partial withdrawals after 5 years
- Wealth booster allocations
Available Riders
Pension / Retirement Plans
Secure your retirement with guaranteed lifelong income
HDFC Life Smart Pension Plan
Guaranteed pension for life with flexible premium and annuity options
₹150/Day
Premium
Guaranteed Pension for Life
Coverage
Whole Life
Policy Term
Based on premium paid
Min Sum Assured
Benefits
Key Features
- Guaranteed pension for life from day 1
- Single or limited premium payment options
- Immediate or deferred annuity options
- Joint life option for spouse
- Multiple annuity options - life only, period certain, return of capital
- Guaranteed vesting benefit
HDFC Life Click 2 Retire
Online pension plan - one-time investment for guaranteed lifetime income
₹180/Day
Premium
Guaranteed Pension for Life
Coverage
Whole Life
Policy Term
Based on purchase price
Min Sum Assured
Benefits
Key Features
- Buy online - affordable premiums
- Guaranteed pension starts from next month
- 7 annuity options to choose from
- Joint life option for spouse
- Return of purchase price option
- Minimum purchase price ₹50,000
Child Plans
Invest in your child's future with guaranteed education funding
HDFC Life Click 2 Achieve
Guaranteed additions + premium waiver ensures your child's education is always funded
₹70/Day
Premium
Guaranteed Additions + Life Cover
Coverage
Child's age 25 years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed additions every year from year 1
- Premium waiver if parent/proposer dies
- Life cover continues without paying premiums
- Bonus participation throughout the term
- Flexible payout at maturity
- Loan facility available
Available Riders
Why Choose HDFC Life?
High Claim Settlement
HDFC Life has a claim settlement ratio of 99.39%, ensuring your family gets the benefits when they need it most.
Trusted Brand
With a legacy since 2000, HDFC Life is one of the most trusted insurance brands in India.
Innovative Products
HDFC Life offers 10 innovative insurance solutions across 6 categories tailored to your needs.
Need Help Choosing the Right HDFC Life Plan?
Our AI-powered advisor can help you find the perfect HDFC Life plan from 10 options based on your financial profile and needs.