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

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Basic Details
Investment Goal
Plan Options
Add Ons
Investment Strategy
Summary

BENEFITS OF HDFC LIFE CLICK 2 WEALTH

  • Choice of 10 funds to choose from
  • Unlimited Free Fund Switches and Premium Redirections
  • Return of Mortality Charges on Maturity1
  • Special Addition such as 101% of premium is allocated to your fund for first 5 years2

About HDFC Life

  • HDFC Life's Total AUM7 Crossed ₹2,90,000 Cr8 in FY 23-24

    (For Financial year 2023-24)

  • 6.6 crore lives Insured

    (For Financial year 2023-24)

PREMIUM WAIVER

Mr. Patel is a 40 year old man who works in a Broking Firm (Proposer). He buys HDFC Life Click 2 Wealth Plan with Premium Waiver option for his daughter (Life Assured) who is 10 years old. The details of his policy are as follows:
  • Plan - Premium Waiver
  • Premium Paying Term - 30 Years
  • Policy Term - 30 Years
  • Annualized Premium - ₹ 1,00,000

  • The company will Add 1% of your annualised premium to the fund value at the time of allocation of premium for the first 5 Years

  • Death of Mr. Patel

  • At Maturity, Mr. Patel's family receives

    Fund Value as a lump sum benefit

  • +1%
  • +1%
  • +1%
  • +1%
  • +1%
  • Daughter's Age
    10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 30
  • 40
The company pays all future premiums
Life cover of daughter
will continue till maturity
Daughter's Age
This is an illustrative example. For detailed information refer Product Brochure.

INVEST PLUS

Mr. Sharma is a 25 year old software engineer. He buys HDFC Life Click 2 Wealth Plan. The details of his policy are as follows:
  • Plan - Invest Plus
  • Premium Paying Term - 40 Years
  • Policy Term - 40 Years
  • Annualized Premium - ₹ 1,00,000

  • The company will Add 1% of your annualised premium to the fund value at the time of allocation of premium for the first 5 Years

  • On Maturity, Mr. Sharma receives

    Fund Value with Mortality charges added back*

  • +1%
  • +1%
  • +1%
  • +1%
  • +1%
  • Age 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 65
Death cover for entire 40 years
* The mortality charges deducted during the entire policy term are added back to your fund value on maturity. This is an illustrative example. For detailed information refer Product Brochure.

GOLDEN YEARS BENEFIT

Mr. Gupta is a 50 years old man who works in a Bank and plans to save for his retirement. He buys HDFC Life Click 2 Wealth Plan with Golden Years Benefit. The details of his policy are as follows:
  • Plan - Golden Years Benefit
  • Premium Paying Term - 10 Years
  • Policy Term - Whole Life
  • Annualized Premium - ₹ 1,00,000

  • The company will Add 1% of your annualised premium to the fund value at the time of allocation of premium for the first 5 Years

  • The company adds back Mortality charges* to the fund value

  • At Maturity, Mr. Gupta receives

    Fund Value as a lump sum benefit

  • +1%
  • +1%
  • +1%
  • +1%
  • +1%
  • Age 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 70
  • 99
Death cover for entire policy term
* The total cumulative amount of mortality charges deducted will be added to the fund at the end of policy year coinciding or immediately following 70th birthday of Life Assured. This is an illustrative example. For detailed information refer Product Brochure.

Fund Performance versus Benchmark##

Fund Performance Projection##

All Equity Balanced Debt
FUNDS DETAILS AUM
(Rs. In Lakhs)		 PAST PERFORMANCE# INCEPTION DATE
10 Years 7 Years 5 Years 3 Years 2 Years 1 Year 6 Months 1 Month Since inception
Blue Chip Fund

SFIN:ULIF03501/01/10BlueChipFd101

 ₹ 12.13% 12.77% 20.66% 15.07% 16.33% 9.41% 1.41% 2.42% 11.12%
Benchmark Returns: BSE100 11.74% 12.98% 21.75% 15.38% 17.12% 9.13% 1.54% 2.23% 10.66%
Opportunities Fund

SFIN:ULIF03601/01/10OpprtntyFd101

 ₹ 14.49% 14.72% 26.93% 20.97% 24.24% 10.43% 0.00% 5.56% 14.07%
Benchmark Returns: Nifty Mid Cap 100 15.85% 17.20% 34.04% 26.62% 30.41% 11.05% 1.82% 6.09% 13.99%
Balanced Fund

SFIN:ULIF03901/09/10BalancedFd101

 ₹ 9.76% 10.36% 15.11% 12.23% 13.17% 10.00% 2.72% 1.68% 9.80%
Benchmark Returns: 60% BSE100 40% CRISIL Composite Bond Fund Index 10.18% 11.00% 15.66% 12.70% 13.72% 9.64% 3.21% 1.71% 9.62%
Diversified Equity Fund

SFIN:ULIF05501/08/13DivrEqtyFd101

 ₹ 13.89% 13.73% 21.94% 15.77% 17.22% 9.48% 1.41% 2.37% 13.82%
Benchmark Returns: BSE100 11.74% 12.98% 21.75% 15.38% 17.12% 9.13% 1.54% 2.23% 11.67%
Bond Fund

SFIN:ULIF05601/08/13Bond Funds101

 ₹ 6.63% 6.95% 5.44% 7.68% 8.01% 10.28% 5.65% 0.85% 7.18%
Benchmark Returns: CRISIL Composite Bond Fund Index 7.84% 8.03% 6.54% 8.68% 8.61% 10.42% 5.72% 0.93% 8.22%
Discovery Fund

SFIN:ULIF06618/01/18DiscvryFnd101

 ₹ N.A. N.A. 34.59% 23.83% 28.96% 13.92% 2.38% 5.82% 23.11%
Benchmark Returns: Nifty Mid Cap 100 N.A. N.A. 34.04% 26.62% 30.41% 11.05% 1.82% 6.09% 17.05%
Equity Advantage Fund

SFIN:ULIF06723/03/18EqtyAdvtFd101

 ₹ N.A. N.A. 24.49% 18.23% 20.76% 9.33% 0.78% 3.20% 17.59%
Benchmark Returns: BSE200 N.A. N.A. 22.70% 16.12% 18.73% 7.70% 1.01% 2.54% 14.93%
Flexi Cap Fund

SFIN:ULIF07114/07/23FlexiCapFd101

 ₹ N.A. N.A. N.A. N.A. N.A. 9.49% 0.40% 3.13% 28.81%
Benchmark Returns: NSE Nifty 500 (100%) N.A. N.A. N.A. N.A. N.A. 8.05% 0.51% 3.50% 22.23%
Dynamic Advantage Fund

SFIN:ULIF08028/02/25DynamicFnd101

 ₹ N/A N/A N/A N/A N/A N/A N/A N/A N/A March 3, 2025
Benchmark Returns: Dynamic Advantage Fund N/A N/A N/A N/A N/A N/A N/A N/A N/A
Top 300 Alpha 50 Fund

SFIN:ULIF07828/02/25Alpha300Fd101

 ₹ N/A N/A N/A N/A N/A N/A N/A N/A N/A May 15, 2025
Benchmark Returns: Top 300 Alpha 50 Fund N/A N/A N/A N/A N/A N/A N/A N/A N/A
##As of # Past performance is not indicative of future performance of the fund
Future Needs popup

1-Day Claim Settlement

is available for the following:

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

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  • 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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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