HDFC Life Insurance
Buy HDFC Life Insurance plans to ensure your family’s financial security in your absence or fulfil your financial goals. Coverage up to Rs. 1 crore starts from just Rs. 658*/month.
HDFC Life offers various life insurance and investment plans with lump sum benefits and whole life coverage. Some additional benefits include critical illness add-on coverage, lifelong income option, guaranteed maturity benefits, multiple plan and premium payment options, and more. It has a claim settlement ratio of 99.07% as of 2022 and a country-wide presence across 370+ branches with more than 5.4 crore happy customers.
Step-by-step guide to buy HDFC Life investment plans
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Step 1
Click here to open our online application form.
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Step 2
Enter the required details – amount you want to invest, name, date of birth, and contact number.
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Step 3
Choose your preferred plan from the list of products shown by clicking ‘Buy Now’.
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Step 4
Our representative will call you back and explain the products available for you to take an informed decision.
Documents required to buy a policy
Here's the list of documents required to buy an HDFC Life Insurance policy.
- Age proof, such as birth certificate, passport, Aadhaar card, etc.
- Address proof, such as Aadhaar card, telephone bill, electricity bill, ration card
- Identity proof, such as Voter's ID, passport, driving licence
- Passport-sized photograph
- Medical reports (as applicable)
How to raise a claim
Follow these steps to raise claim requests against your HDFC Life Insurance policies.
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Step 1 - Register the claim request
Register the claim request with the insurer through their website, e-mail or by calling their claim assistance contact number
Contact: 1860 267 9999
E-mail: service@hdfclife.com -
Step 2 - Submit the required documents
Submit the necessary documents along with the duly filled claim form online or to the nearest branch of the insurer.
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Step 3 - Claim assessment and settlement
Based on the documents submitted, HDFC Life will assess the claim request and process it accordingly. The claim status will be intimated to the claim initiator via e-mail and SMS and can be checked online or through My Account (our customer portal).
Documents required for raising a death claim
Here’s the list of documents to raise a death claim against your HDFC Life Insurance policies.
- Original policy documents
- Attested copy of death certificate issued by the local municipal authority
- Death claim intimation form
- NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook
- Nominee's photo identity & address proof such as a copy of Passport, Voter identity card, Aadhar (UID) card, etc.
- FIR copy or post-mortem report in case of an accidental/unnatural death
- Medical records at the time of death and past illnesses
Documents required for raising a critical illness claim
Here’s the list of documents to raise a critical illness claim against your HDFC Life Insurance policies.
- Original policy documents
- Attested copies of medical records/ indoor papers of the hospital
- Critical illness claim form with bank account proof
- Hospital discharge summary
- Hospital bills
- NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook
- Claimant's photo identity & address proof such as a copy of Passport, Voter identity card, Aadhar (UID) card, etc.
Documents required for raising a disability/hospitalisation claim
Here’s the list of documents to raise a disability/hospitalisation claim against your HDFC Life Insurance policies.
- Attested copies of medical records/ indoor papers of the hospital
- Disability benefits claim form
- Hospital discharge summary
- Hospital bills
- NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook
- Claimant's photo identity & address proof such as a copy of Passport, Voter identity card, Aadhar (UID) card, etc.
Contact HDFC Life
For queries related to the policy, claim settlement and other related information, you can contact the insurer in the following ways:
- Write an email at: buyonline@hdfclife.in
- Call HDFC Life at: 1800-266-9777
Frequently asked questions
Whole life insurance cover is where you are covered for your entire life, i.e. as long as you live. Under this plan, you pay a premium for the first 10-15 years and get coverage maximum up to the age of 99 years.
Surrender value is the amount the policyholder gets if he terminates/surrenders the policy before maturity. It is the amount the policyholder will get from the life insurance company if he decides to exit the policy before maturity. A regular premium policy acquires surrender value after the policyholder has paid the premiums continuously for three years.
With HDFC Life Guaranteed Savings Plan, you get a guaranteed lumpsum amount on maturity and death benefit. You also get the option to take policy loan of up to 80% of surrender value and flexible premium payment option.
Check the plan here.
You can choose from 3 maturity benefit options under the policy-
Aspiration plan
An endowment plan (lump sum paid at maturity) to get financial support for larger responsibilities in life.
Academia plan
A moneyback plan where the payouts are offered in the last 5 years before maturity.
Career plan
A moneyback plan with payouts in the last 5 years before maturity. It offers a significantly higher payout (40% of sum assured) on maturity.
Check the plan here.
You can avail of tax exemptions for premiums paid under applicable tax laws.
The withdrawal limit depends on the policy you choose. A ULIP permits a standard withdrawal of up to 10-20% of the total premium period. On some of the policies offered by HDFC, there is a lock-in period of five years, after which you can avail of the surrender value benefit. If you have surrendered within the five years, your funds will move to a discontinued policy fund and get paid after five years is complete.
You can check the status of your HDFC Life insurance policy on the My Account portal. You can also call on 1860-267-999 or send an email at service@hdfclife.com to know the status.
