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Smart Protect Plan

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

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We regret to inform you that currently we are unable to offer any option under this plan.
About HDFC Life
  • HDFC Life's Total Assets Under Management (AUM)1 crossed
    ₹2,90,000 Cr2
    (For Financial Year 2023-24)
  • 6.6 crore lives insured
    (For Financial Year 2023-24)
  • We have honoured 99.5% Individual Claims!15
    (For Financial Year 2023-24)
  • 1-Day Claim Settlement
    We help you claim* what is rightfully yours with 1 Day Claim Settlement( exclusively available for policies bought online). Know More

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  1. AUM is the value of assets managed by a company for its customers.
  2. As on 31st March 2024, AUM is Rs. 2,92,220 crore. Data is as per HDFC life Integrated Annual Report FY 2023 - 2024.
  3. Individual death claim settelement ratio by number of policies as per audited annual statistics for 2023-24.
  4. Sum Assured multiple up to 100x depending upon entry age, premium payment term & policy term.
  5. Loyalty Additions available under this plan - a) Return of 2X to 3X Mortality Charge from 11th policy year, b) Return of 2X Premium Allocation Charge from policy year 10 to 13, c) Return of Fund Management Charge (FMC) on Maturity, d) Return of 2X of Investment Guarantee Charge on Maturity, e) Loyalty Additions (as percentage of Annualized Premium) at Maturity :- Refer to Product brochure to know more.
  6. Subject to underwriting, for entry age 18 to 45 years: a) Video MER applicable; b) No income proofs required up to 1 Crore Sum Assured.
  7. These benefits are available through riders. In case of Accidental Death, an additional Sum Assured will be paid. In case of Accidental Disability, get regular monthly income for 10 years.

In this policy, the investment risk in the investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.


HDFC Life Insurance Company Limited.CIN No.L65110MH2000PLC128245. IRDAI Regn. No. 101 .The name/letters "HDFC" in the name/logo of the Company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a license/agreement

Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. For purchasing a new policy, you can Email us on buyonline@hdfclife.in and call us on 1800-266-9777 (All days, from 9 am to 9pm). For in-progress applications (post payment), you can email us on onlinequery@hdfclife.in and call us on 1800-266-0315 (All days, from 10 am to 7 pm). Website:www.hdfclife.com.


Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Life Insurance Company and HDFC Life Smart Protect Plan (UIN No: 101L175V06) is a Non- Participating, Individual Life, Unit-Linked Insurance Plan, is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B013V03 ), HDFC Life Protect Plus Rider (UIN: 101A037V01), HDFC Life Health Plus Rider (UIN: 101A034V01) and HDFC Life Waiver of Premium Rider (UIN: 101A035V01) are the names of the riders. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contact are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.ARN: EU/05/23/1798

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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Claim Settlement Ratio
(Percentage and average claim settlement time*)

2023-24
99.5%
Average Claim settlement time*: 2 days
2022-23
99.39%
Average Claim settlement time*: 4 days
2021-22
98.66%
Average Claim settlement time*: 3 days
2020-21
98.01%
Average Claim settlement time*: 5 days
2019-20
99.07%
Average Claim settlement time*: 4 days

*Average claim settlement time is calculated as time period from the day all necessary documents are submitted to the company till cheque/NEFT payment is initiated


*Average claim settlement time is calculated as time period from the day all necessary documents are submitted to the company till cheque/NEFT payment is initiated

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.