RESUME APPLICATION PAY PREMIUM
Fund Performance

Fund Performance

Knowledge Center

Knowledge Center

About Us

About Us

Tools and Calculators

Tools & Calculators

Quick links

Mobile (Download app)
  • Webpages
  • Documents
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment

For NRI Customers

(To Buy a Policy)

(If you're our existing customer)

For Online Policy Purchase

(New and Ongoing Applications)

Branch Locator

For Existing Customers

(Issued Policy)

Fund Performance Check

RESUME APPLICATION PAY PREMIUM

What do you want to do?

Quick links

Mobile (Download app)

Download HDFC Life App

Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now!

Apple Logo Go to Google Play Store

Digital Life Insurance

The advent of digitalisation has significantly changed the insurance industry. Using the latest technology, digital life insurance streamlines the underwriting, policy purchasing, and claims procedure. Customers may purchase policies online, get real-time updates, and effortlessly manage their plans, unlike traditional insurance. Insurance companies may offer smooth services by using digital platforms that use data analytics, automation, and artificial intelligence or AI. ...Read More

1 Crore Term Insurance@ Rs.21/day***

No Time for Regret!

Secure Your Family's Future with Term Insurance.

  • Return of Premium

    Return of Premium (ROP) Option^

  • Individual Death Claim

    Individual Death Claim Settlement Ratio of 99.50%##

  • Same Day Claim

    Same Day Claim Processing#

  • Claims guaranteed

    100% Claims guaranteed15

Get a Free Quote

Get Rs. 1 Cr. Life Cover at just Rs.21/day***

7% Online Discount**

Save tax up to Rs.54,600~

Get Rs. 1 Crore Life Cover at Rs. 26/day***

All fields are mandatory
nri-yesYes nri-noNo
maleMale femaleFemale
if you have smoked or used tobacco in any form in the last 2 years, then select "Yes".
Yes No
Your age is years
Valid Age Range for the product is from 18 to 65
Please select annual income range
Please enter valid country code Please enter valid mobile no

arrow
Please authorize us to contact you

Customer rating 4.5/5

Complete Star Complete Star Complete Star Complete Star Half Star

Rated by 35210  customers

Your Mobile Number

+91 9989888811

green-check

red-check

You have entered incorrect OTP more than 5 times. Please try again after 12:44 AM

Didn't receive OTP? Resend OTP

call-icon :1800-266-9777 (ALL DAYS, FROM 9AM TO 9PM, TOLL FREE)

What is Digital Life Insurance?

Policies that can be fully purchased, administered, and claimed online are referred to as digital life insurance. Without requiring paper records or in-person meetings, digital life insurance businesses employ technology to streamline policy issuance, premium payments, and claim payouts. These policies are intended to provide policyholders with a simple, clear, and speedy experience. Digital term life insurance is more effective thanks to features like blockchain-based paperwork, AI-driven risk assessment, and automated underwriting. Consumers may customise their coverage, evaluate various plans, and finish the application process in a matter of minutes. Secure digital platforms make the whole insurance process easier to use and more comfortable.

What Are the Digital Trends in the Insurance Industry 2025?

Here is a list of trends in the digital term life insurance industry in 2025:

01

AI and Machine Learning

By automating risk assessment, claims processing, and customer service, artificial intelligence (AI) and machine learning are transforming digital life insurance businesses. While predictive analytics enables insurers to offer individualised plans based on customer data, AI-powered chatbots offer immediate support. These technologies increase the accuracy of underwriting, boost fraud detection, and expedite processes.

02

InsurTech Startups

Through the provision of AI-driven policies, blockchain-based transactions, and intuitive smartphone applications, insurtech businesses are spearheading innovation in digital term life insurance. By emphasising automation, data analytics, and direct-to-consumer sales, these businesses upend established models while cutting expenses and increasing productivity. The accessibility and affordability of insurance are further simplified by their connection with digital banking.

03

Telematics and IoT

Insurers may get up-to-date information on the health and lifestyle of their clients thanks to telematics and the Internet of Things (IoT). Digital life insurance providers may now provide individualised plans and dynamic premium pricing based on real health measurements thanks to smart devices, wearable technologies, and linked applications, which enhance risk assessment and policyholder participation.

04

Blockchain Technology

By keeping tamper-proof records of policies and claims, blockchain improves security and transparency in digital life insurance. Payouts are automated via smart contracts, which lowers delays and fraud. This decentralised technology makes the insurance process more dependable and trustworthy for policyholders by guaranteeing the security of client data and facilitating real-time claim verification.

Features of Digital Life Insurance

Here are some features of purchasing a digital life insurance policy:

1

Online Policy Purchase and Application

The ability to buy plans online without the use of middlemen is one of the main benefits of digital life insurance. Through different digital life insurance companies, customers may compute premiums, compare various plans, and finish applications. There is less documentation needed because the entire procedure is simplified. 

AI-powered risk evaluations drastically cut down on the time it takes to approve policies. Digital document uploading is possible for users, and e-KYC verification guarantees speedy processing. This feature makes life insurance more accessible to a larger audience by improving simplicity, removing paperwork, and offering immediate coverage.

 

...Read More
2

Automated Underwriting

AI and data analytics are used in digital term life insurance automated underwriting to evaluate risk indicators in real-time. Insurers use applicant data, such as credit scores, lifestyle choices, and medical histories, to calculate premium rates rather than doing human reviews as they used to do. 

This minimises human mistakes and expedites the approval process. Both insurers and consumers benefit from increased efficiency as a result of automated underwriting judgements that are fair and consistent. Furthermore, automated underwriting lowers operating expenses, lowering the cost of insurance while preserving the openness of risk assessment.

 

...Read More
3

Digital Documentation and Claims Processing

Physical documentation is no longer required by digital life insurance providers. Customers can expedite the application and claims process by online submitting and verifying documents. By improving security, blockchain technology stops document fraud. AI-based verification speeds up the processing of claims, cutting down on settlement time. e-KYC and digital signatures make compliance even easier. 

This strategy guarantees quicker claim approvals, reduces disagreements, and improves the client experience in general. Improved accuracy in evaluating claims and lower administrative expenses are advantageous to insurers.

...Read More

Benefits of Digital Life Insurance

If you want to know the benefits of a digital term life insurance policy, read the pointers below:

1
1

Convenience and Accessibility

Digital life insurance eliminates the need for in-person trips to insurance offices by enabling users to acquire plans at any time and from any location. Online systems make it easy to pay premiums, track claims, and view policy data. Through web portals or mobile apps, individuals may easily handle their insurance needs thanks to this accessibility.

...Read More

2
2

Speed and Efficiency

Processing time for digital term life insurance is greatly decreased by automation. Policy approvals are accelerated by AI-driven underwriting, and claims settlements are accelerated by digital documentation. In order to ensure that clients receive prompt solutions, insurers evaluate risks in real time using sophisticated algorithms. This effectiveness reduces policy-issuing delays and improves client satisfaction.

 

...Read More

3
3

Cost-Effectiveness

Compared to traditional insurers, digital life insurance firms have reduced administrative and operational expenses since they conduct business online. Reduced paperwork and the lack of middlemen save money, which is then transferred to policyholders in the form of cheaper premiums. A wider range of consumers benefit from more accessible life insurance due to affordable policies.

...Read More

4
4

24/7 Access to Policies

Customers may use mobile applications or internet dashboards to view their digital life insurance policies at any time. They have 24/7 access to pay premiums, obtain documentation, check coverage information, and start claims. This 24/7 accessibility improves user comfort and guarantees continuous access to policy-related services without having to wait for business hours.

...Read More

Difference Between Digital Insurance and Traditional Insurance

To understand the difference between digital life insurance and traditional insurance policy, read the table below:
 

Aspect

Digital Insurance

Traditional Insurance

Application Process

Fully online, requiring minimal paperwork and instant approvals.

Requires physical paperwork and agent assistance.

Policy Issuance

Immediate issuance through AI-driven verification.

Takes days or weeks due to manual processing.

Customer Interaction

Digital chatbots, AI support, and self-service portals.

Agent-based interactions with in-person meetings.

Claim Process

AI and blockchain ensure faster claims settlement.

Manual verification leads to longer processing times.

Technology Integration

Uses AI, blockchain, and IoT for risk assessment.

Limited technology usage in risk evaluation.

Accessibility

Available 24/7 via mobile apps and online platforms.

Requires physical visits to branches or agents.

Documentation

Digital KYC and e-signatures for seamless processing.

Requires extensive physical documentation.

Underwriting

AI-based underwriting for quick decisions.

Manual underwriting leads to longer approval times.

Customisation

Offers tailored policies using data analytics.

Limited customisation due to standard risk assessment.

 

Frequently Asked Questions

FAQs on Digital Life Insurance

 

1 Is digital insurance valid?

Insurance Regulatory oversees and regulates digital life insurance, thus the answer is yes. Online insurance policies have the same legal status as conventional insurance, guaranteeing policyholders obtain the benefits they are entitled to.

2 Is digital life insurance as reliable as traditional insurance?

Yes, digital term life insurance provides the same advantages and coverage as conventional plans. Digital insurers provide security, transparency, and prompt claim payouts through the use of secure technology.

3 What documents do I need for Digital Life Insurance?

Usually, customers want evidence of identification (Aadhaar as Proof of identity is required,  ), proof of address, proof of income, and proof of medical records. HDFC Life Brochures include information on the various document needs.

4 Is my personal data safe with digital life insurance companies?

Yes, blockchain, cybersecurity, and encryption are used by digital life insurance businesses to guard against breaches of financial and personal information.

5 How do I make a claim on my Digital Life Insurance policy?

By providing the necessary paperwork via the insurer's site, claims can be submitted electronically. Faster settlements are guaranteed by AI-based verification. For information about claim criteria, refer the HDFC Life brochures.

6 Do digital life insurance providers offer 24/7 customer support?

Yes, the majority of online insurers offer round-the-clock assistance via AI chatbots, helplines, and self-service portals, guaranteeing smooth client support at all times.

Talk to an Advisor right away for Saving Plans

Not sure which insurance to buy?

Talk to an
Advisor right away

Talk to an Advisor right away for Saving Plans

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

Share your Valuable Feedback

Was the Information Helpful?

HDFC life
HDFC life

HDFC Life

Reviewed by Life Insurance Experts

HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER

We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance solutions - protection, pension, savings, investment, annuity and health.

Disclaimers

^ Available under Life & Life Plus plan options

##Individual claim settlement ratio by number of policies as per audited annual statistics for FY 23-24

#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved

***Online Premium for Life Option for HDFC Life Click 2 Protect Super (UIN: 101N145V07), Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Monthly Premium of 622/30=20.7).

15. HDFC Life Click 2 Protect Ultimate(UIN: 101N179V01) A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan. The policy must be in force on the date of death, with all premiums fully paid, except for the exclusion clauses mentioned in Part F of the policy document.

~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.

**7% online discount available on 1st year premium only

ARN- DM/03/25/22622