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HDFC Life Insurance Products

HDFC Life Click 2 Protect Life

  • A plan that provides benefits to you as per your altering lifestyle and life stage needs.

    UIN: 101N139V05

    Option to avail cover for Whole of Life1.

    Get income payouts from age 60 onwards under Income Plus Option.

    Get additional Sum Assured on Accidental Death (through ADB option).2

    Get back all premiums paid on survival till maturity with Return of Premium option3.

    Enjoy special premium rates for female lives and non-tobacco users.

    Avail Waiver of Premium on diagnosis of Critical Illness(through WOP CI option).2

HDFC Life Smart Protect Plan

  • A plan that addresses your long-term savings needs and also provides you protection in the form of a life cover

    UIN: 101L175V01

    Return of 2X to 3X Mortality Charge from 11th policy year

    Return of 2X Premium Allocation Charge from policy year 10 to 13 years

    Return of Fund Management Charge (FMC) on Maturity

    Return of 2X of Investment Guarantee Charge on Maturity12

    Option to reduce your death benefit after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options

    Get minimum Assured Benefit on Maturity under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options

HDFC Life Sanchay Plus

  • A traditional Savings Plan with guaranteedregular returns to fulfill your family’s dreams with ease, whilst safeguarding their future against the unforeseen events.

    UIN: 101N134V18

    Enjoy steady guaranteed1 income up to 99 years of age with our Life Long Income option.

    Flexibility to choose guaranteed1 income as a lump sum or as regular income for 10/12/ 25/30 years or upto 99 years based on your needs.

    Choose to receive guaranteed1 returns as lumpsum2 to meet your various financial goals, or as a regular income.

    In case of the death of the insured during the policy period, the nominee  has the option to receive death benefit as lump sum or regular income as per benefit payout schedule

    Enjoy enhanced benefits for policies with Annual Premium greater than ₹ 1.5 lakh.

HDFC Life Sanchay Par Advantage

  • A Savings Plan with immediate income option to take care day to day expenses and various financial goals along with life cover. 

    UIN: 101N136V03

    Get assured life cover up to 100 years of age.3

    Choose between immediate income or deferred income options. 

    Enjoy enhanced benefits for policies with Annual Premium of ₹ 1 lakh and above.

    Flexibility to choose payout date based on your various milestones and financial goals.

    Minimum Death Benefit 105% of the total premiums paid10.

HDFC Life Sanchay Fixed Maturity Plan

  • A Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan that ensures you and your loved ones are financially protected.

    UIN: 101N142V04

    Single/ Joint Life Cover - Option to choose cover on Single Life or Joint Life basis

    Guaranteed1 Savings – Stay assured of the returns

    Optional Riders – Enhance your protection coverage with rider options on payment of additional premium

    Flexibility of Premiums –Option of single premium/limited pay/regular pay premium payment option

    Choice of Policy Terms – Option to choose from a range of Policy Terms upto 40 years

HDFC Life Systematic Retirement Plan

  • A limited premium deferred annuity plan with flexibility to choose premium payment term, deferment period and annuity payout date.

    UIN: 101N143V06

    Pay premiums systematically for a limited premium paying term

    Option to defer annuity payouts by choosing the deferment period

    Guaranteed10 income for whole of life

    Option to receive annuity monthly, quarterly, half-yearly or yearly

    Option  of Return of Total Premiums Paid on death 

HDFC Life New Immediate Annuity Plan

  • A traditional Retirement Plan with guaranteed returns1

    UIN: 101N084V33

    Get GuaranteedIncome during retirement at your desired frequency.

    Benefit from higher annuity rates at purchase price of ₹ 2,50,000 or higher.

    Get Return of Purchase Price upon death or critical illness.3

    Choose your payout frequency– monthly, quarterly, half-yearly, or yearly.

  • Term Insurance Plans

    HDFC Life Click 2 Protect Life

    • A plan that provides benefits to you as per your altering lifestyle and life stage needs.

      UIN: 101N139V05

      Option to avail cover for Whole of Life1.

      Get income payouts from age 60 onwards under Income Plus Option.

      Get additional Sum Assured on Accidental Death (through ADB option).2

      Get back all premiums paid on survival till maturity with Return of Premium option3.

      Enjoy special premium rates for female lives and non-tobacco users.

      Avail Waiver of Premium on diagnosis of Critical Illness(through WOP CI option).2

    HDFC Life Smart Protect Plan

    • A plan that addresses your long-term savings needs and also provides you protection in the form of a life cover

      UIN: 101L175V01

      Return of 2X to 3X Mortality Charge from 11th policy year

      Return of 2X Premium Allocation Charge from policy year 10 to 13 years

      Return of Fund Management Charge (FMC) on Maturity

      Return of 2X of Investment Guarantee Charge on Maturity12

      Option to reduce your death benefit after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options

      Get minimum Assured Benefit on Maturity under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options

  • Savings Plans

    HDFC Life Sanchay Plus

    • A traditional Savings Plan with guaranteedregular returns to fulfill your family’s dreams with ease, whilst safeguarding their future against the unforeseen events.

      UIN: 101N134V18

      Enjoy steady guaranteed1 income up to 99 years of age with our Life Long Income option.

      Flexibility to choose guaranteed1 income as a lump sum or as regular income for 10/12/ 25/30 years or upto 99 years based on your needs.

      Choose to receive guaranteed1 returns as lumpsum2 to meet your various financial goals, or as a regular income.

      In case of the death of the insured during the policy period, the nominee  has the option to receive death benefit as lump sum or regular income as per benefit payout schedule

      Enjoy enhanced benefits for policies with Annual Premium greater than ₹ 1.5 lakh.

    HDFC Life Sanchay Par Advantage

    • A Savings Plan with immediate income option to take care day to day expenses and various financial goals along with life cover. 

      UIN: 101N136V03

      Get assured life cover up to 100 years of age.3

      Choose between immediate income or deferred income options. 

      Enjoy enhanced benefits for policies with Annual Premium of ₹ 1 lakh and above.

      Flexibility to choose payout date based on your various milestones and financial goals.

      Minimum Death Benefit 105% of the total premiums paid10.

    HDFC Life Sanchay Fixed Maturity Plan

    • A Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan that ensures you and your loved ones are financially protected.

      UIN: 101N142V04

      Single/ Joint Life Cover - Option to choose cover on Single Life or Joint Life basis

      Guaranteed1 Savings – Stay assured of the returns

      Optional Riders – Enhance your protection coverage with rider options on payment of additional premium

      Flexibility of Premiums –Option of single premium/limited pay/regular pay premium payment option

      Choice of Policy Terms – Option to choose from a range of Policy Terms upto 40 years

  • Annuity

    HDFC Life Systematic Retirement Plan

    • A limited premium deferred annuity plan with flexibility to choose premium payment term, deferment period and annuity payout date.

      UIN: 101N143V06

      Pay premiums systematically for a limited premium paying term

      Option to defer annuity payouts by choosing the deferment period

      Guaranteed10 income for whole of life

      Option to receive annuity monthly, quarterly, half-yearly or yearly

      Option  of Return of Total Premiums Paid on death 

    HDFC Life New Immediate Annuity Plan

    • A traditional Retirement Plan with guaranteed returns1

      UIN: 101N084V33

      Get GuaranteedIncome during retirement at your desired frequency.

      Benefit from higher annuity rates at purchase price of ₹ 2,50,000 or higher.

      Get Return of Purchase Price upon death or critical illness.3

      Choose your payout frequency– monthly, quarterly, half-yearly, or yearly.

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T&C*

1. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
2. This option can be exercised in any policy year greater than 30, but not during the last 5 policy years. This feature is not available if Life Goal or Return of Premium option is selected.
3. Sum Assured on Death, up to a maximum of Rs. 2 Cr. will be accelerated in case of diagnosis of terminal illness during the policy term. This feature is available till age 80 for Life and Life Plus option.
4. Guaranteed Benefit is paid on survival during policy term provided all due premiums are paid during the premium payment term.
5. Sum Assured multiple upto 100X depending on your age, premium, payment and policy term.
6. This is applicable for first year premium only.
7. Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options.
8. HDFC Life Guaranteed Income Insurance Plan UIN: 101N146V02. A Non-Linked, Non-Participating Individual Life Insurance Savings Plan.
9. HDFC Life Sanchay Par Advantage (UIN: 101N136V03), A Non-Linked Participating, Life Insurance Plan coverage is available in this product.

  1. Provided all due premiums have been paid and the policy is in force.
  2. This option is available for entry ages 50 to 60 years.

 #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.

 #. The 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.

^~. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option. This benefit is available under Life and Life Plus option only.