One of India's leading private life insurers with 99%+ claim settlement ratio, offering comprehensive term, savings, and investment plans since 2000.
HDFC Life Insurance Company Limited is a joint venture between HDFC Ltd (now merged with HDFC Bank) and abrdn plc (formerly Standard Life Aberdeen). Established in 2000, HDFC Life has emerged as one of India's top private life insurers with a diverse portfolio covering protection, savings, investment, retirement, and health solutions.
The company serves over 6.7 crore lives through individual and group policies and has assets under management exceeding ₹2.7 lakh crore. HDFC Life is listed on BSE and NSE, and is known for its customer-centric innovation and digital-first approach to insurance distribution.
HDFC Life's flagship online term insurance plan offering comprehensive life cover with multiple plan options — Life Protect, Extra Protect, and Income Protect. Covers up to ₹10 Crore with affordable premiums starting from ₹490/month.
A non-linked, non-participating savings insurance plan offering guaranteed returns and life cover. Choose from multiple benefit options — guaranteed maturity, guaranteed income, or life long income for systematic wealth creation.
A ULIP (Unit Linked Insurance Plan) combining market-linked growth potential with life insurance coverage. Offers 4 fund options with automatic portfolio management and loyalty additions from the 6th year onwards.
An online retirement solution that helps build a corpus for your golden years. Combines disciplined savings with market-linked returns and offers a guaranteed lifelong pension starting at your chosen retirement age.
HDFC Life maintains an industry-leading claim settlement ratio of 99.07%, ensuring almost every valid claim is honoured promptly and providing peace of mind to policyholders and their families.
End-to-end digital journey — from purchasing policies online via InstaInsure to managing portfolios, making fund switches, and filing claims digitally through the HDFC Life app and portal.
Over 35 individual and group products spanning term insurance, savings, ULIPs, retirement, health, and children's plans — ensuring a solution for every life stage and financial goal.
Recognized by ICSI, Asia Insurance Industry Awards, and Great Place to Work. HDFC Life's service excellence is backed by 400+ branches and 100,000+ distribution touchpoints.
Enhance coverage with optional riders including critical illness cover (59 conditions), accidental death benefit, waiver of premium on disability, and hospital care benefit at minimal additional cost.
Premiums qualify for Section 80C deductions, maturity and death benefits are tax-free under 10(10D), and pension plans offer additional benefits under 80CCC — maximizing your tax savings.
Register claim online at hdfclife.com, via the app, or call 1860-267-9999. Provide policy number, date, and cause of claim event.
Upload or submit claim form, death/medical certificate, KYC of nominee, policy document, and bank details for settlement.
HDFC Life's claims team reviews documents within 24-48 hours. For standard cases, no further investigation required — fast-tracked for approval.
Approved claims are settled within 1-3 working days via NEFT. Average claim turnaround: 1.4 days for non-investigated death claims.
HDFC Life's individual death claim settlement ratio for FY 2024-25 is 99.07% by number of policies, making it one of the top-performing private life insurers in India. This means virtually every valid claim is settled.
Click2Protect Life is HDFC Life's most popular term plan, offering coverage up to ₹10 Crore with premiums starting from ₹490/month. It includes options for income protection, critical illness cover, and whole-life coverage up to 99 years.
Yes, HDFC Life offers non-medical underwriting for policies up to certain sum assured limits (typically ₹50-75 Lakh for ages below 35). Higher covers require standard medical tests including blood work and ECG.
Sanchay Plus offers guaranteed returns like an FD but with additional life cover, tax benefits under 80C, and tax-free maturity under 10(10D). The effective post-tax returns often exceed FD returns for individuals in higher tax brackets.
HDFC Life offers critical illness rider (covering 59 conditions), accidental death benefit, waiver of premium on total permanent disability, hospital care benefit, and additional term rider to enhance base coverage.