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).
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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.

Fund Performance versus Benchmark##

Fund Performance Projection##

All Equity Balanced Debt
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