HDFC Life Insurance.Reviews ⭐⭐⭐⭐⭐ .. 4.8/5 (1,051 rated) – Nowadays health and the future are important so HDFC life insurance – compare term plan, Benefits, and policy details for everyone.
Securing a life is more important because of an unhealthy environment and sudden mishappening issues. for list of insurance companies click here
HDFC life insurance company is the most trusted private insurance company in india. hdfc gives the plan for all field people like men, women, children, and senior citizens. In hdfc insurance plan they cover like investment , long term and saving type policy.
HDFC :
Company Founding Year: 2000
HDFC Founder: Hashmukh Bhai Pareekh
Headquarter: Mumbai – India
Team Size: 15000+ employees
HDFC life insurance Benefits :
HDFC has a wide range of customer and employees circle. it has already established 500+ branches across the india. It has given 98.01% Individual claims in the financial year 2020-2021. The company tries to give the best price and award to the insurer in their long-term plan. because of highly profitable and long term savings and other plans make great trust with the customer. a great number of offices make the insurer satisfied and given problem-solving environment.
Types of life insurance policy details :
| Number | HDFC Life Plans | Minimum and maximum money back | Age variation for apply | Maturity time period |
| 1 | Protection Plans | Rupees 25 Lac – more as time period | 18-65 year | 10- 40 year |
| 2 | Health Plans | Rupees 1 Lac – more as time period | No age criteria | —– |
| 3 | Children’s Plans | depend on the time period and other premium plans | 30 – 60 year | 15 – 25 year |
| 4 | Savings Plans | Rupees 1Lac – and above | 25 – 45 year | 15 – 25 year |
| 5 | Retirement Plans | Rupees 2 Lac – more as time period | 18 – 65 year | 15 – 40 year |
| 6 | SHAURYA Plans | work on types of the army and their work | 18 – 45 year | 10 -30 year |
| 7 | ULIP Plans | based on goal and market investment | 30 – 60 year | 15 – 30 year |
| 8 | Group Insurance Plans | Rupees 25 Lac – more as time period | 25 – 65 year | 10- 25 year |
| 9 | Discontinued Insurance Plans | Rupees 25 Lac – more as time period | 18 – 60 year | 25 – 45 year |
| 10 | Rural and Social Plans | variation depend on rural area and environment. | 25 – 45 year | 15- 35 year |
Protection Plans and Term Insurance Plan :
Term Insurance is a life insurance policy that offers coverage for a fixed number of years – the “term” of the policy. If the insured individual dies when the policy is active, a death benefit is paid to the nominees of the insured individual. A basic variant of term insurance has no cash value which means, if the insured person survives the term of the policy, the policy does not return any value, with the exceptions of plans like Return on Premium, etc.
There are several types of Term insurance plan
HDFC Life Click 2 Protect Life 3D plus plan :
- Provides comprehensive financial protection to your family
- Option to avail cover for Whole of Life
- UIN: 101N139V04 for hdfc life click protech plan
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Time covered | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 10 – 30 Year | Whole of Life | Single Pay, monthly, quarterly , Annual ,half-yearly | Rupees 20 Lakh |
HDFC Life QuickProtect
- Three package Sum Assured options to choose from – 75 lacs, 1cr, 1.25cr
- Protection against 19 Critical Illnesses with Critical Illness Rider
- Quick Issuance with no medicals
- UIN: 101N139V04 for hdfc life click protech plan
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Three package Sum Assured |
| 18 – 45 year | 5 – 40 Year | 23 – 75 year | Single Pay, monthly, quarterly , Annual ,half-yearly | 75 lacs, 1cr, 1.25cr |
HDFC Life Saral Jeevan Bima :
- Single, Limited and Regular premium payment options to choose from
- Additional protection through riders
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 5 – 40 Year | 23 – 70 year | Single Pay, monthly, quarterly , Annual ,half-yearly | Rupees 5 lakh minimum – no limit for maximum |
Health Plans :
HDFC Life Cardiac Care :
- Comprehensive cover for an extensive list of cardiac conditions and procedures
- Fixed lump sum payout irrespective of actual expenses incurred for diagnosis/procedure
- Tax benefits as per prevailing tax laws
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 5 – 40 year | 23 – 75 year | Single Premium, Annual, Half-yearly, Quarterly and Monthly | Rupees 2 lakh – 50 lakh |
HDFC Life Cancer Care :
- Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer.
- Lump sum payout is provided on diagnosis of major as well as early stages of cancer
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 5 – 65 year | —– | 5 – 85 year | Single Pay & Regular Pay | Rupees 10 lakh – 50 lakh |
HDFC Click 2 Protect Health :
- All future premiums are waived onAccidental Total PermanentDisability (Available under all options) and on diagnosis of CriticalIllness (available under 3DLife & 3D Life Long Protection options)
- Protect yourself for whole of life with lifelong protectionoptions
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 5 – 85 year | 23 – 85 year | Single, Annual, Semi-Annual, Quarterly, Monthly | Rupees 3 lakh – 50 lakh |
HDFC Life Easy Health :
- Get lump sum payout in case of any of the 138 surgeries specified
- The ICU and non ICU benefits will be independent and subject to their respective limits (as stated above)
- Daily Hospital Cash Benefit + Surgical Benefit + Critical Illness Benefit
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 2 – 5 year | 23 – 70 year | Single Pay & Regular Pay | up to 1,22068 |
Click 2 Protect Corona Kavach :
- Provide financial protection to you and your family at an afordable cost
- Protect yourself for whole of life with lifelong protection options
- Special protection against COVID and Co-morbidity illnesses
- Covers hospitalization expenses related to COVID-19 treatment
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 2 -85 year | 23 -85 year | Single Pay & Regular Pay | rupess10,000 – more |
Child Insurance Plans
HDFC Life Click 2 Wealth – Premium Waiver Option :
- Charges – Only Fund Management charge towards managing your funds and Mortality charge towards your life cover.
- Special Addition: Get 1% of Annualised premium as special additions to your Fund Value for first 5 years.
- Premium waiver benefit that protects the future of your loved one in your absence
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 0(30 days) – 65 year | 10-40 year | 23 -75 year | Single, Annual, Semi-Annual, Quarterly, Monthly | Rupees 10 lakh – 75 lakh |
HDFC SL YoungStar Super Premium :
- Valuable financial protection for your child.
- Yearly payments to your family in case of your unfortunate demise.
- Yearly payments to your family in case of your unfortunate demise.
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18 – 65 year | 10 – 20 year | 18 – 75 year | Single Pay & Regular Pay | Rupees 3 lakh – 5 lakh |
HDFC Life Youngstar Udaan :
- A participating endowment and moneyback plan with multiple options.
- Academic expenses that occur prior to college education.
- All miscellaneous and extracurricular expenses that occur during college/school.
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 0(30 days) – 55 year | 15 – 25 year | 18 – 75 year | Single Pay & Regular Pay | Rupees 5 lakh – 7 lakh |
HDFC life Savings Plan
HDFC Life Sanchay Plus
- Guaranteed benefits – Rest assured of the returns
- Tax benefits – You may be eligible for tax benefits as per prevailing tax laws
- Flexibility – Guaranteed benefits as a lump sum or as regular income
- Life Long Income option – Guaranteed income till age 99 years.
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 5 – 60 year | 5 – 12 year | 18 – 80 year | Single, Annual, Semi-Annual, Quarterly, Monthly | Depend on time and saving amount |
HDFC Life Sanchay Fixed Maturity Plan :
- Single/ Joint Life Cover – Option to choose cover on Single Life or Joint Life basis
- Flexibility of Premiums – Option of single Pay/ limited/ regular premium payment term
- No medical examinations
- Enhanced maturity benefit for higher premiums
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 90 days- 65 year | 5 to 40 years | 18 – 85 year | Single, Annual, Semi-Annual, Quarterly, Monthly | Minimum 25 lakh to no maximum criteria depend on death time |
HDFC Life ClassicAssure Plus :
- Insurance coverage throughout the policy term
- Guaranteed reversionary bonus during the premium paying term
- Maturity Benefit , Death Benefit ,High Sum Assured Discount ,. Policy Loan
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30 days- 60 year | 10- 20year | 60- 75 year | Annual, Semi-Annual, Quarterly, Monthly | —— |
HDFC Life Super Income Plan :
- Enjoy regular income for period of 8 to 15 years after premium payment term under limited pay option
- Survival Benefits varying from 3.84% to 12.5% of Sum Assured on Maturity payable each year during payout period.
- Survival Benefit, Maturity Benefit, Death Benefit.
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30 days- 60 year | 10- 20year | 60- 75 year | Quarterly, Monthly | ——- |
HDFC Life Sampoorn Samridhi Plus :
- Itis an endowment plan that provides the policyholder a choice of 2 options: endowment and endowment with whole life cover up to the age of 100 years. The plan comes with a maturity benefit and accidental death benefit
- Guaranteed Additions , High Sum Assured Rebate , Policy Loan.
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30 days- 60 year | 15- 40year | 18- 75 year | Single, Annual, Semi-Annual, Quarterly, Monthly | Rupees 65,463 – maximum no bar depend on time period |
HDFC Life Uday :
- This is a life plan that is savings oriented.
- The policy has significantly low premium rates when compared to other life plans.
- Policyholders have the benefit of 3% guaranteed additions p.a. during the first 5 years of the policy’s term.
- Bonuses are declared at the end of every year.
- Additional death benefit in case of death due to accident.
- Once your policy acquires a Guaranteed Surrender Value (GSV), your death benefit continues for next one year even if you miss a premium payment
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18- 55 year | 12- 15 year | 30- 70 year | Annual, Semi-Annual, Quarterly, Monthly | — |
HDFC Life Pragati :
- This plan has the dual function of a life insurance policy as well as an investment fund.
- The premiums for this plan are significantly low.
- Policyholders have the flexibility of choosing their premium payment terms.
- Policyholders receive the sum assured and the accrued reversionary bonuses as the maturity amount.
- MATURITY BENEFIT: On survival till the maturity date, provided all due premiums have been paid, you will receive the higher
- Sum Assured on Death + Accrued Reversionary Bonus (if declared) + Interim Bonus (if any) + Terminal Bonus (if declared).onlineinsurance hdfclife com
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30 days- 60 year | 10- 25 year | 18- 70 year | Single, Annual, Semi-Annual, Quarterly, Monthly | ——- |
Retirement Plan :
HDFC Life New Immediate Annuity Plan :
- This is a traditional pension plan that lets you choose an annuity and earn a regular income post your retirement.
- The plan ensures guaranteed income for as long as you or your spouse is alive.
- There are seven single life annuity options and four joint life annuity options to choose from
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30- 85 year | N. A. | N. A. | Single, Annual, Semi-Annual, Quarterly, Monthly | Life time up to death |
HDFC Life Click 2 Retire :
- HDFC Life Click 2 Retire is an online Pension Plan.
- Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of total premiums paid till then
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18- 65 year | 10- 35 year | 45- 75 year | Single, Annual, Semi-Annual, Quarterly, Monthly | ———- |
HDFC Life Pension Guaranteed Plan :
- Wide range of annuity options to cater to your needs
- Option to take the plan on a Single or Joint Life basis
- Option to receive annuity monthly, quarterly, half-yearly or yearly
- Death Benefit , Surrender Benefit
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30- 85 year | N.A | N. A | N. A . | N. A. |
HDFC Life Personal Pension Plus :
- This pension plan from HDFC provides you with an assured benefit of 101% of the premiums paid in case of vesting or death.
- Also, the plan allows you to choose an investment period between 10 years and 40 years.
- Reversionary bonuses and terminal bonus are offered under the policy
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18- 65 year | 10- 40 year | 55- 75 year | Single, Annual, Semi-Annual, Quarterly, Monthly | N. A. |
HDFC Life Assured Pension Plan :
- This unit linked insurance plan provides customers with market-linked returns along with loyalty bonuses that help in achieving their retirement goals through strategic and systematic planning in advance.
- The entry age for the plan is as low as 18 years.
- Benefit of higher annuity rates for large purchase price.
- Guaranteed income source for life – Annuity once purchased is guaranteed for lifetime
- No need to undergo medical examination
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 30- 75 year | N.A. | N.A. | N.A. | N.A. |
ULIP – Unit Linked Insurance Plan :
HDFC Life Click 2 Wealth :HDFC life insurance
- Maturity Benefit: Benefits payable at the end of your policy term
- Death Benefit: Benefits payable in case of unfortunate death
- The plan is available for sale through online channel.
- Discontinuance of Policy due to Non Payment of Premiums
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 35- above year | 20 year | N. A . | Single, Annual, Semi-Annual, Quarterly, Monthly | 13 lakh , 21 lakh , 73 lakh , 5 cr |
HDFC Life Smart Woman Plan :
- This is an insurance scheme that provides both investment and insurance benefits under the same product.
- The customer can choose from three benefit options.
- The policy offers premium waiver benefit following pregnancy complications, diagnosis of malignant cancer in female organs, or death of the spouse of the policyholder.
- Additional cash payouts are offered periodically under specific plan variants.
| Age Variation (Min-Max) at Entry level | Policy Term Period required(Min-Max) | Min and max maturity time | Mode of payment option | Minimum Money-Back Assured |
| 18- 45 year | 10- 15 year | 28 – 60 year | Single, Annual, Semi-Annual, Quarterly, Monthly | 16 lakh – 22 lakh |
All above are the HDFC life insurance – compare term plan, Benefits and policy details.TTB Insurance