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Compare plan benefits here

Benefits / Plan Option Life Protect Life & CI Rebalance Income Plus
Life Cover (Lumpsum)
Critical Illness Cover (Lumpsum)
Critical Illness Cover (Waiver of Premium)

(Available at Extra Cost)

(In-built feature)
Monthly Income
Accidental Death (Additional Cover)

(Available at Extra Cost)
Return of Premium

(Available at Extra Cost)

(Available at Extra Cost)

(In-built feature - For Fixed term)
Whole Life

Compare plan benefits here

Benefits \ Plan Option Life Protect Insta Protect Life & CI Rebalance Income Plus
Life Cover (Lumpsum)
Critical Illness Cover (Lumpsum)
Critical Illness Cover (Waiver of Premium)

(Available at Extra Cost)
Monthly Income
Accidental Death (Additional Cover)

(Available at Extra Cost)
Return of Premium

(Available at Extra Cost)

(Available at Extra Cost)

(Available at Extra Cost)

(In-built feature - For Fixed term)
Whole Life
We regret to inform you that currently we are unable to offer any option under this plan.

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What's included in COVID 19 Cover?

  • Medical expenses for hospitalization like room rent, nursing expenses, ICU/ICCU expenses, blood, oxygen, ventilator charges, costs towards diagnostics, PPE Kit, gloves, mask and such similar other expenses.
  • Medical expenses for treatment of COVID 19 availed at home for maximum up to 14 days.
  • Medical expenses incurred on treatment of any comorbidity along with the treatment for COVID 19
  • If you opt for AYUSH treatment (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines), it will also covered.
  • Pre-hospitalization expenses for 15 days and post hospitalization expenses for 30 days is also covered under this policy.

Note: The above mentioned benefits will be applicable only if you are found to be COVID 19 positive

To know more, read Product Brochure

  • Download Brochure
  • Glossary
    List

Medical expenses for Hospitalization during the policy term for treatment of COVID including treatment of any Co-Morbidity illness will be covered up to the Sum Insured for:

  • Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital
  • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.
  • Road Ambulance subject to a maximum of Rs.2000/- per hospitalization for the Ambulance services offered by a Hospital or by an Ambulance service provider, provided that the Ambulance is availed only in relation to COVID Hospitalization

    • Note:Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible.

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.

About HDFC Life
  • HDFC Life's Total Assets Under Management (AUM)4 crossed
    ₹2,90,000 Cr5
    (For Financial Year 2023-24)
  • 6.6 crore lives insured
    (For Financial Year 2023-24)
  • We have honoured 99.5% Individual Claims!6
    (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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∧As per internal data related to HDFC Life Click 2 Protect Life (UIN:101N139V04), product purchased online for FY 2021-22 upto February 2022.

  1. Provided all due premiums have been paid and the policy is in force.
  2. Flexibility to choose Death Benefit, Premium Payment Term, Policy Term, Benefit structure as per structure chosen by customer.
  3. Tax Benefits as per the relevant sections of the Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
  4. AUM is the value of assets managed by a company for its customers.
  5. As on 31st March 2024, AUM is Rs. 2,92,220 crore. Data is as per HDFC life Integrated Annual Report FY 2023 - 2024.
  6. Individual death claim settelement ratio by number of policies as per audited annual statistics for 2023-24.

HDFC Life Insurance Company Limited ("HDFC Life"). CIN: L65110MH2000PLC128245,IRDAI Reg. No. 101

Registered Office:Registered Office: Lodha Excelus, 13th Floor, 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).

The name/letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under license from HDFC Bank Limited.

HDFC Life C2P Super Plan (UIN: XXXXXXXXXXX) is a Participating Money Back Life Insurance Plan and HDFC Life Income Benefit on Accidental Disability Rider (UIN: XXXXXXXXXXX, Form no. R501-21-01), HDFC Life Critical Illness Plus Rider (UIN: XXXXXXXXXXX, Form no. R501-23-01) and HDFC Life Protect Plus Rider (UIN: 101B016V01) are the names of the riders . For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:XXXXXXXX.

HDFC Life Click 2 Achieve (UIN: 101N186V06) is a Non-Linked, Non-Participating Individual Life Insurance Savings Plan. HDFC Life Waiver of Premium Rider (UIN: 101B032V02), HDFC Life Health Plus Rider (UIN: 101B031V02) and HDFC Life LiveWell Rider(UIN:101B033V01) are the names of the riders. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN: ED/04/24/10964.

HDFC Life C2P Super Plan (UIN: XXXXXXXXXXX) is a Participating Money Back Life Insurance Plan and HDFC Life Income Benefit on Accidental Disability Rider (UIN: XXXXXXXXXXX, Form no. R501-21-01), HDFC Life Critical Illness Plus Rider (UIN: XXXXXXXXXXX, Form no. R501-23-01) and HDFC Life Protect Plus Rider (UIN: 101B016V01) are the names of the riders . For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:XXXXXXXX.

HDFC Life C2P Super Plan (UIN: XXXXXXXXXXX) is a Participating Money Back Life Insurance Plan and HDFC Life Income Benefit on Accidental Disability Rider (UIN: XXXXXXXXXXX, Form no. R501-21-01), HDFC Life Critical Illness Plus Rider (UIN: XXXXXXXXXXX, Form no. R501-23-01) and HDFC Life Protect Plus Rider (UIN: 101B016V01) are the names of the riders . For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:XXXXXXXX.

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