HDFC Life - Click 2 Invest

In this policy, the investment risk in the investment portfolio is borne by the policyholder

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  • Benefits of HDFC Life Click 2 Invest - ULIP

    • No Policy Administration and Premium Allocation charges1
    • 10 fund options to choose from
    • Multiple Premium Payment options
    • Flexibility To Choose Your Policy Term
    • Be tax-smart and avail of benefits 2 on premium paid under Sec 80C. Death Benefit and Maturity benefits are exempt 2 from Tax under Sec 10(10D).
    Download Brochure

Critical Illness

The lists of the critical illness under this are as follows:

  • Cancer of specified severity
  • Open Chest CABG
  • First Heart Attack - of specified severity
  • Kidney Failure requiring regular dialysis
  • Major Organ/Bone Marrow Transplant
  • Stroke resulting in Permanent symptoms
  • Apallic Syndrome
  • Benign Brain Tumour
  • Coma of specified severity
  • End Stage Liver Disease
  • End Stage Lung Disease
  • Open Heart Replacement or repair of heart valves
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Sight
  • Major Burns
  • Major Head Trauma
  • Permanent Paralysis of limbs
  • Surgery of Aorta


To know more about above mentioned features, please refer Product Brochure

What is Total Permanent Disability?

  • Total Permanent Disability means when the Life Assured / Member is totally, continuously and permanently disabled and meets either of the two conditions below::
  • 1. Unable to Work:
    Disability as a result of Injury or Accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.
  • 2. Physical Impairments:
    The Life Assured / Member suffers an injury/Accident due to which there is total and irrecoverable loss of:
    • The use of two limbs; or
    • The sight of both eyes; or
    • The use of one limb and the sight of one eye; or
    • Loss by severance of two or more limbs at or above wrists or ankles; or
    • Sight of one eye and loss by severance of one limb at or above wrist or ankle.
    Injury means accidental physical bodily harm excluding illness and disease. It must be solely and directly caused by external, violent, visible and evident means which is verified and certified by a Medical Practitioner. The disabilities must have lasted, without interruption, for at least 6 consecutive months and must, be deemed permanent by a medical practitioner. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (d) and (e) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately. Once the maximum benefit is claimed, the coverage under Personal Accident Cover shall terminate.
    The nominee may choose to receive the benefit under Accidental Total Permanent Disability as:
    • Regular monthly Income payable for 10 years,

    The choice of benefit pay-out as income can be exercised on the date the claim is made.


To know more about above mentioned features, please refer Product Brochure

Definition of Disability

The Definition of Disability

  • Total Permanent Disability means when the insured is totally, continuously and permanently disabled and meets either of the two definitions below:
  • 1. Unable to Work:
    Disability as a result of injury or accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.
  • 2. Physical Impairments:
    The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:
    • The use of two limbs; or
    • The sight of both eyes; or
    • The use of one limb and the sight of one eye; or
    • Loss by severance of two or more limbs at or above wrists or ankles; or
    • The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.
    The disabilities as stated above in Part (1) and (2) must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (d) and (e) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.
    Once a claim has been accepted and the regular monthly benefit starts, the rider coverage expires.
    A Medical practitioner is a person who holds a valid registration from the medical council of any state of India and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license but excluding the Practitioner who is:
    • Insured/Policyholder himself or an agent of the Insured
    • Insurance Agent, business partner(s) or employer/employee of the Insured or
    • A member of the Insured's immediate family


To know more about above mentioned features, please refer Product Brochure

Accidental Death

Accidental death means death by or due to a bodily injury caused by an accident, independent of all other causes of death. An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means. Accidental Death must be caused within 180 days of any bodily injury. If the bodily injury occurred within the coverage period and the Accidental Death happens after the end of coverage period but within 180 days of bodily injury, a valid claim arising as a result of such Accidental Death shall not be denied. Once the benefit amount is claimed, the coverage under Personal Accident Cover shall terminate.

The nominee may choose to receive the benefit under Accidental death as:

  • Lumpsum Amount or
  • Regular monthly Income payable for 10 years, or
  • Part of benefit amount as lump sum immediately on Accidental Death and the balance benefit amount as regular monthly income for 10 years.

The choice of benefit pay-out as lump sum or income or combination thereof can be exercised on the date the claim is made.

To know more about above mentioned features, please refer Product Brochure

Accidental Partial Permanent Disability

On Life Assured sustaining any bodily injury during the coverage period resulting solely and directly from an Accident:

  • 50% of the Rider Sum Assured shall be payable, if such injury shall, within 12 months of its occurrence be the sole and direct cause of the total and irrecoverable loss by physical separation of one entire hand or of one entire foot.
  • If such injury shall, within 12 months of its occurrence be the sole and direct cause of the total and / or partial and irrecoverable loss of use or of the actual loss by physical separation of the following, then the percentage of the Rider Sum Assured as indicated below shall be payable
Sr. No. Disability Benefit %
(ⅰ) Permanent total loss of hearing in both ears 75
(ⅱ) Permanent total loss of use of one limb other than by physical separation or Permanent total loss of sight of one eye 50
(ⅲ) Permanent total loss of use of four fingers and thumb of either hand 40
(ⅳ) Permanent total loss of hearing in one ear or Permanent total loss of the lens in one eye 25
(ⅴ) Permanent total loss of use of four fingers of either hand or Permanent total loss of use of one thumb of either hand or Ankyloses of the elbow, hip or knee 20
(ⅵ) Permanent total loss of use of all toes 15
(ⅶ) Permanent total loss of one finger of either hand or Established non-union of fractured leg or kneecap 10

The nominee may choose to receive the benefit under Accidental Partial Permanent Disability cover as:

  • Lumpsum Amount or
  • Regular monthly Income payable for 10 years, or
  • Part of benefit amount as lump sum immediately on Accidental Death and the balance benefit amount as regular monthly income for 10 years.

The choice of benefit pay-out as lump sum or income or combination thereof can be exercised on the date the claim is made.

To know more about above mentioned features, please refer Product Brochure

Cancer Cover

A lump sum benefit will be paid on diagnosis of:

  • Carcinoma-in-situ or Malignant cancer
  • Early stage cancers
  • Major cancer
Diagnosis of Benefit Amount as a % of Applicable Sum Insured
Early Stage Cancer or Carcinoma-in-situ (CIS) 25
Major Cancer 100 less Early Stage Cancer or CIS claims, if any

Also, on a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis, premiums payable under this rider option will be waived for a period of three policy years. In case the outstanding term is less than three years then premiums for the outstanding term would be waived. In case the outstanding term is more than three years then the premiums will be waived only for a period of three years. The policyholder will need to resume payment of premiums thereafter

To know more about above mentioned features, please refer Product Brochure

Personal Accident Cover

In case the Life Assured / Member has opted for this Benefit Option, the Benefit shall be paid out on the following events:

  • Accidental Death,
  • Accidental Total Permanent Disability(ATPD) and/or
  • Accidental Partial Permanent Disability(APPD)

  • Accidental Death

    • Accidental death means death by or due to a bodily injury caused by an accident, independent of all other causes of death. An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means. Accidental Death must be caused within 180 days of any bodily injury. If the bodily injury occurred within the coverage period and the Accidental Death happens after the end of coverage period but within 180 days of bodily injury, a valid claim arising as a result of such Accidental Death shall not be denied. Once the benefit amount is claimed, the coverage under Personal Accident Cover shall terminate.

  • Accidental Total Permanent Disability (ATPD)

    • What is Total Permanent Disability?

    Total Permanent Disability means when the Life Assured / Member is totally, continuously and permanently disabled and meets either of the two conditions below:

    • Part 1. Unable to Work:
      Disability as a result of Injury or Accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.
    • Part 2. Physical Impairments:
      The Life Assured / Member suffers an injury/Accident due to which there is total and irrecoverable loss of:
      • The use of two limbs; or
      • The sight of both eyes; or
      • The use of one limb and the sight of one eye; or
      • Loss by severance of two or more limbs at or above wrists or ankles; or
      • Sight of one eye and loss by severance of one limb at or above wrist or ankle.

      Injury means accidental physical bodily harm excluding illness and disease. It must be solely and directly caused by external, violent, visible and evident means which is verified and certified by a Medical Practitioner. The disabilities must have lasted, without interruption, for at least 6 consecutive months and must, be deemed permanent by a medical practitioner. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (d) and (e) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately. Once the maximum benefit is claimed, the coverage under Personal Accident Cover shall terminate.

  • Accidental Partial Permanent Disability (APPD)

On Life Assured sustaining any bodily injury during the coverage period resulting solely and directly from an Accident:


  • 50% of the Rider Sum Assured shall be payable, if such injury shall, within 12 months of its occurrence be the sole and direct cause of the total and irrecoverable loss by physical separation of one entire hand or of one entire foot.
  • If such injury shall, within 12 months of its occurrence be the sole and direct cause of the total and / or partial and irrecoverable loss of use or of the actual loss by physical separation of the following, then the percentage of the Rider Sum Assured as indicated below shall be payable
Sr. No. Disability Benefit %
(ⅰ) Permanent total loss of hearing in both ears 75
(ⅱ) Permanent total loss of use of one limb other than by physical separation or Permanent total loss of sight of one eye 50
(ⅲ) Permanent total loss of use of four fingers and thumb of either hand 40
(ⅳ) Permanent total loss of hearing in one ear or Permanent total loss of the lens in one eye 25
(ⅴ) Permanent total loss of use of four fingers of either hand or Permanent total loss of use of one thumb of either hand or Ankyloses of the elbow, hip or knee 20
(ⅵ) Permanent total loss of use of all toes 15
(ⅶ) Permanent total loss of one finger of either hand or Established non-union of fractured leg or kneecap 10

The nominee may choose to receive the benefit under Accidental Partial Permanent Disability cover as:

  • Lumpsum Amount# or
  • Regular monthly Income payable for 10 years, or
  • Part of benefit amount as lump sum immediately on Accidental Death and the balance benefit amount as regular monthly income for 10 years.

#For Accidental Partial Permanent Disability, benefit is paid out as percentage of Sum Assured depending upon the type of disability.


Note: - The choice of benefit pay-out as lump sum or combination of income and lumpsum is not available for Accidental Total Permanent Disability. You will get regular monthly income (for 10 years) as payout option for Accidental Total Permanent Disability.


The choice of benefit pay-out as lump sum or income or combination thereof can be exercised on the date the claim is made.

We regret to inform you that currently we are unable to offer any option under this plan.
Feel free to edit your fund recommendation and make sure your allocation adds up to 100%
  • Equity Plus Fund

    The generate long term capital appreciation in line or better than Nifty index returns

  • Blue Chip Fund

    Cap equities & equity related instruments

  • Diversified Equity Fund

    To generate long term capital appreciation by investing in high potential companies across the market cap spectrum

  • Opportunities Fund

    Exposure to mid - cap equities & equity related instruments

  • Discovery Fund

    This fund helps in long term capital growth by investing predominantly in mid-cap companies. The fund may invest upto 25% of the portfolio in stocks outside the mid-cap index capitalisation range. Upto 10% of the fund may be invested in Fixed income instruments, money market instruments, cash, deposits and Liquid mutual funds.

  • Equity Advantage Fund

    This funds helps in long term capital growth through diversified investments in companies across the market capitalisation spectrum. Upto 20% of the fund may be invested in Fixed income instruments, money market instruments, cash, deposits

  • Balanced Fund

    Dynamic Equity exposure to enhance the returns while the Debt allocation reduces the volatility of returns

  • Bond Fund

    Active allocation across all fixed income instruments

  • Income Fund

    Higher potential returns due to higher duration and credit exposure

  • Conservative Fund

    To invest in high grade fixed income instruments and Government securities at the short end of the yield curve, to deliver stable returns

  • Total
    Your fund allocation percentage does not add up to 100
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1-Day Claim Settlement

is available for the following:

. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .

  • Cumulative claim amount on all policies up to ₹2 crores
  • 1 day claim settlement is exclusively available for policies bought online
  • Claim does not require field investigation
  • All requisite documents# submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day
  • HDFC Life will pay an interest^ on your death claim amount for every day of delay beyond one working day

T&C Apply

1) For all claims* fulfilling above mentioned conditions, provided we receive all the required documents, the claim will be processed within one working day and decision will be communicated accordingly. 2) Investigation / Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day)
^Interest rate would be at 6.25%per annum.

#Documentation Details

Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes. In case of an accidental death, additional documents will be required. Post Mortem Report, Panchnama, Police Inquest report, First/Final Information report, Viscera/Chemical Analysis report.

We need a few details to recommend suitable plans for you

  • Your Goal of Investment

  • Your risk appetite level

  • Insurance policies you own

  • Annual Income

  • Marital Status

  • Age Group

Below are the 3 options that are recommended for you

HDFC Life Sanchay Plus

It is a non-participating, non-linked, savings plan that offers guaranteed returns for you and your family.

Choose Plan Download Brochure

HDFC Life Click 2 Wealth

A Unit Linked, Non Participating, Life Insurance plan that offers market linked returns, charges minimally, provides valuable financial protection for you and your family

Choose Plan Download Brochure

HDFC Life Sanchay Par Advantage

It is a participating life insurance plan that provides an option to avail cover for whole of life (till the age 100 years) and helps generate a regular income and build a corpus to achieve the planned goals.

Choose Plan Download Brochure
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A
Accident:
Sudden, unforeseen and involuntary event caused by external, visible and violent means.
Accidental & Total Permanent Disability(ATPD):
When the Life Assured is totally, continuously and permanently disabled *
* Please read the product brochure for complete details specific to your policy.
Accidental Death:
Death by or due to a bodily injury caused by an Accident, independent of all other causes of death.
Agent:
Insurance company representative licensed by the state who solicits, negotiates or effects contracts of insurance, and provides service to the policyholder for the insurer.
Annualized Premium:
Annualized premium shall be the premium amount payable in a year excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
Annuity:
Periodic payments made by the insurer to the Annuitant for a specified period or till survival.
Annuity benefits:
A series of payments payable at regular intervals, in return of a certain sum paid upfront, under an annuity contract.
Appointee:
The person who is authorized to receive the Sum Assured when the Nominee is a minor.
Assignee:
The person to whom the policy ownership (rights and benefits) is transferred.
Assignment:
A provision wherein the Policyholder can assign or transfer a Policy in accordance with Section 38 of the Insurance Act, 1938.
Assets under Management (AUM):
The total value of Shareholders & Policyholders investments managed by the insurance company.
Authority/ IRDAI:
Insurance Regulatory and Development Authority of India.
B
Beneficiary:
The person named in the policy to receive the insurance proceeds at the death of the insured.
C
Cash Bonus:
The bonus amount paid out to the policy holder at specified frequency, as applicable. However, there is No guarantee to the declaration of future rates of the bonus.
Charges:
The amount taken by the insurer towards your insurance cover. These are usually associated with ULIP policies. The % and type of charge depends on different products.
Some of them are Premium Allocation Charge, Policy Administration Charge,Fund Management Charge, Mortality Charge, Premium Redirection Charge, Statutory Charge, Switching Charge, Partial Withdrawal Charge, Discontinuance ChargeThe amount taken by the insurer towards your insurance cover. These are usually associated with ULIP policies. The % and type of charge depends on different products.
Claimant:
The person who is raising the claim request.
Claim:
It is the amount paid by the insurer to the claimant on occurrence of the event as specified in the policy contract eg: The amount that nominee receives on death of life assured is the claim amount.
Claims Process:
It is the intimation of the claimant to the insurer to initiate the settlement of the policy.
COI:
The document issued to the scheme member in group products which contains terms and conditions applicable to the product.
Critical Illness(CI):
Additional cover Is given in case of detection of specified critical illnesses*
*The list is defined in the product brochure. Please read it carefully.Additional cover Is given in case of detection of specified critical illnesses*.
Cut-off time:
The time by which we must have accepted your instructions to invest in, or encash Units from a Fund,at the associated valuation time. As per Regulations, the current Cut-off time is 3.00pm. This is usually applicable to ULIP policies.
D
Date of Inception:
The date on which the policy was first issued.
Date of Risk Commencement:The date from which the insurance cover starts.
Death Benefit:
The amount which is payable on death of life assured.
Deferment Period:
period from date of inception of the cover till the date on which the first annuity payment is made by the insurer to the Annuitant. This can be chosen by the Annuitant basis his financial needs.
Discontinuance of Policy:
The Policy wherein the Policyholder has discontinued the payment of Premium
E
Effective Date:
The date from which the Scheme shall first commence as set out in the Policy Schedule.
Endowment Plan:
An insurance policy, that apart from providing life coverage, also pays a lumpsum amount on maturtiy in case the policyholder sruvives the specified term. It pays the full sum assured to the nominees in case of the insured passes away.
Exit Date:
Date on which the coverage stops due to occurrence of any of the following events:
i. Death,
ii. Policy being terminated or lapsed.
iii. Free Look Cancellation.
iv. Payment of Maturity benefit.
v. Surrender.
Extra Life Sum Assured:
The additional sum assured that is paid to nominee in case of death of life assured due to accident**.
This depends on the product. Please read the brochure for complete details.
The additional sum assured that is paid to nominee in case of death of life assured due to accident*.
F
First year premium:
Premium received during the first year of the contract.
Free Look period:
The specified period during which the policyholder can review the terms and conditions of the Policy and has the option to return the Policy and receive refund.
Frequency of Premium Payment:
It indicates the schedule of your premium payments. eg:
every month (monthly),
once in 3 months (quarterly)
once in 6 months (half-yearly)
once in a year (annually)
one time payment (single)It indicates the schedule of your premium payments eg:
every month (monthly),
once in 3 months (quarterly)
once in 6 months (half-yearly)
once in a year (annually)
Fund Value, Unit Fund Value:
The value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units. This is usually applicable for ULIP products
For eg: No of units - 10, Unit price of each unit - 50
therefore, fund value = 10 * 50 = 500The value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units. This is usually applicable for ULIP products.
Funds:
Each of the Funds earmarked by the Company for Unit Linked business and available to this product
G
Grace Period:
Extra days allowed to pay the premium post the premium due date without any loss of continuity of benefits. It is 15 days for monthly frequency and 30 days for remaining frequencies.
Group Insurance:
Life insurance usually without medical examination, on a group of people under a master policy. It is typically issued to an employer for the benefit of employees, or to members of an association.
H
Hospitalisation:
Admission in a Hospital for a minimum period of 24 consecutive In-patient Care hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours.
I
Injury:
Accidental physical bodily harm excluding Illness or disease solely and directly caused by external, violent and visible and evident which is verified and certified by a Medical Practitioner.
In-patient Care:
Treatment for which the insured person has to stay in a Hospital for more than 24 hours for a covered event.
Intensive Care Unit (ICU):
Ward or wing of hospital which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require life support facilities Ward or wing of hospital which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require.
Interim bonus:
The bonus that is paid in the event of a claim(maturity, death or surrender) of a participating policy, for the period from the last declared bonus date. This is paid to provide for the policyholder's share of bonus from the last declared date till the date eligible for bonus, when the claim is payable.
k
Keyman Insurance:
The life insurance policy taken by an employer on the life of another person who is or was his employee/connected to his business in any manner whatsoever.

Disclaimer:To read the complete definitions as stated by IRDAI and displayed across this website, you can refer the specimen policy documents here: https://www.hdfclife.com/policy-documents

Fund Performance versus Benchmark##

Fund Performance Projection##

All Equity Balanced Debt