HDFC Life - Click 2 Invest
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Why Invest in HDFC Life Click 2 Invest- Ulip (C2I)?

This plan is much more than another Unit-linked insurance plan (Ulip). It has been awarded the prestigious Golden Peacock Award 2015 for the most innovative financial product and for some very good reasons.

It doesn't matter whether you are a rank beginner, proficient or expert investor; C2I is useful for every kind of individual with its personalised and other services that helps one successfully invest in its 10 funds.This makes C2I a highly service-oriented investment offering.

  • Personalised fund portfolio guidance

    Based on your personal details like age, marital status, and details of family, income, expenses and future needs, you can get personalised online fund recommendations.

  • Performance updates

    You get to track the progress of your investments through monthly updates, such as email and SMS, and on any developments in matters of regulation or taxation.

  • Updates on market trends

    You receive regular updates on major developments and outlook of the market, be it debt, equity or both, in which your fund has invested.

  • Benefit of fund manager recommendations

    C2I investors receive regular recommendations on managing their funds. These are prepared by in-house research analysts. This helps fine-tune investments to meet individual needs.

  • Instant fund switching and premium re-direction

    C2I allows investors to move their invested money among the 10 funds, instantly and online. Future premiums can also be re-directed to the selected funds in a new proportion.

Top performing NAVs

4 EASY STEPS TO START YOUR INVESTMENT PLAN

  • 1Enter amount you want to invest.
  • 2View your risk tolerance
  • 3View Customized Plan
  • 4Payment
FAQs
  • Q1. What are the charges applicable in this plan?

    HDFC Life Click 2 Invest - ULIP offers a minimal charge structure as stated below:
    1. Premium Allocation Charge: Nil
    2.Policy Administration Charge: Nil
    3. Discontinuance Charge: Nil
    4. Fund Management Charge: 1.35% p.a. of the fund value, charged daily
    5. Mortality Charge: The amount of the charge taken each month depends on your age and level of cover.

    In addition, only if you request for partial withdrawal, fund switch and premium redirection a charge of Rs 250 per request or a reduced charge of Rs 25 per request (if executed through the company's web portal) will be charged. First 4 partial withdrawals, 4 fund switches and 4 premium redirections in a policy year are free.

  • Q2. What are the features of this plan?

    HDFC Life Click 2 Invest - ULIP offers:
    1. Minimal Charge Structure
    2. Premium Payment Term options of single/ 5 pay/ 7 pay and regular pay
    3. Policy Term of 10 to 20 years
    4. 10 Fund options
    5. Wide entry age range from 30 days to 65 years

  • Q3. What do I get at the end of the policy term?

    At the end of your policy term i.e. at maturity, you will receive your Fund Value.

  • Q4. Are there medicals involved to buy this plan?

    Yes. The list of medical tests required is on case to case basis.

  • Q5. Can I save tax by investing in this policy?

    Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. However Section 10 (10 D) benefit is not applicable in case of Single Premium payment. Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor

  • Q6. How is the Fund Value calculated?

    Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.

  • Q7. Can I terminate my policy or partially withdraw from my fund?

    You can surrender you policy subject to a lock in period of 5 years. No discontinuance charge is charged in this policy. Please refer to product brochure for more details on discontinuance of premiums and surrender of policy.

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Future Needs popup

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.

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