Life Insurance

• Provide financial protection to you and your family at an affordable cost.

• Customize your plan with a choice of 9 plan options.

• All future premiums are waived on Accidental Total Permanent Disability (available under all options) and on diagnosis of Critical Illness (available with 3D Life and 3D Life Long Protection options).

• Protect yourself for life with the flexibility to choose your policy and premium payment terms (available with Lifelong Protection and 3D Lifelong Protection options).

• Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals.

• Flexibility to increase your cover every year through top-up option.

• Special premium rates for females or Special premium rates for female policyholders.

• Attractive premium rates for non-tobacco users. (Tax benefits* as per prevailing tax laws).

^* Tax benefits are subject to change from time to time

• Enjoy regular income for period of 8 to 15 years after premium payment term.

• Survival benefits varying from 8.0% to 12.5% of sum assured on maturity payable each year during payout period.

• Boost your regular income at maturity with reversionary bonuses and terminal bonus⁴, if any.

• Range of premium payment and policy term options to meet your income goals.

• Insurance coverage throughout the policy term.

• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting⁵

⁴  Please refer to the sales literature for details.
⁵ Please speak to our Financial Consultant to know more details.

• Guaranteed benefits payable on maturity provided all due premiums have been paid.

• Guaranteed benefits will vary by policy term in a range of 220% to 325% of the Sum Assured on Maturity.

• Premium payment for limited period of 5, 8 and 10 years.

• Flexibility to choose policy terms ranging from 15 years to 25 years.

• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting¹⁰

⁹ Assured on Maturity is the Basic Sum Assured guaranteed to be payable on maturity of the policy.

¹⁰ Please speak to our Financial Consultant to know more details.

• Valuable financial protection to your family in case you are not around.

• Flexible additional benefit options.

• Opportunity to invest in a choice of funds.

In this plan you can choose your premium and the investment fund(s). We will then invest your premium, net of premium allocation charges in your chosen fund(s) in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your fund(s).

In case of your unfortunate death during the policy term, your nominee will receive the greater of Sum Assured (less withdrawals¹³) or fund value.

¹³ Please refer to the sales literature for details.

• Valuable financial protection to your family.

• Flexible additional benefit options.

• Opportunity to invest in a choice of funds.

In this plan you can choose your premium and the investment fund(s). We will then invest your premium, net of premium allocation charges in your chosen fund(s) in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your fund(s).

In case of your unfortunate demise during the policy term, we will pay to your nominee

• Sum Assured.

• The Unit Fund value.

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting¹⁵

¹⁵ Please speak to our Financial Consultant to know more details.

HDFC Life Easy Health is a Fixed Benefit, health insurance product that provides coverage against: Hospitalization and/or Surgical procedures and/or Critical illness.

• Flexibility Pay Single / Regular Premium based on your convenience.

• Daily Hospital Cash- Daily Hospital Cash benefit available from Rs 250 to Rs 5,000 per day as per your requirement.

• Surgical Benefit- Get lump sum payout in case of any of the 138 surgeries specified.

• Critical Illness Benefit- Lump sum payout in case diagnosed with any of the 18 Critical Illnesses specified.

• Value for Money- Avail multiple claims. Get double benefit in case of hospitalization in ICU.

• Tax Benefit- Receive tax benefits under Section 80D as per applicable tax laws.

• Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer.

• Lump sum payout is provided on diagnosis of major as well as early stages of cancer. (3)

• Future premiums for next 3 policy years will be waived off on receiving a valid claim of cancer diagnosis.

• Receive income benefit for next 5 years, under Platinum option. (5)

• Under Gold and Platinum option, the sum insured will be increased by 10% every year. This will continue till the increased sum insured becomes 200% of the initial sum insured. (6)

• All benefits and payouts are independent of any other health insurance plan. (7)

• Provides tax benefits on premiums paid-up to Rs 55,000 under Sec 80D of the Income-Tax Act, 1961.

HDFC Life Personal Pension Plus Plan is a participating regular premium deferred pension plan that offers assured benefit on death or at vesting. The product offers an opportunity to participate in the profits of participating fund of the company by way of bonuses payable to you at the time of vesting. The plan is ideal for individuals who seek to plan for their retirement to get adequate corpus to fulfill all their post retirement goals.

• Flexibility to choose your investment horizon from 10 to 40 years.

• Participate in the profits of the participating fund of the company by way of reversionary bonuses and any terminal bonus.

• Assured benefit equal to 101% of all regular premiums²¹ paid to date on death or at vesting.

²¹ The Premium amount is excluding any taxes and levies as applicable paid on the premium.

A Non-Participating, Non-Linked Savings Plan that offers secure future of family and shape up a legacy for them

• Life cover to protect the family's future

• Steady retirement income with Life Long Income Option.

• Guaranteed Benefit Payouts.

• Guaranteed Income for a fixed term of 10, 12, 25, 30 years or lifelong.

• Tax benefits as per prevailing tax laws3.

A Non-Linked, Participating, Life Insurance Plan that customizes your savings plan to match your expenses and financial needs

• Whole life cover + life long cover1 option

• Immediate income option for your various needs

• Enjoy enhanced benefits for policies with Annual Premium of ₹ 1 lakh and above

• Accumulate survival benefits

• Choose Payout Period based on your various milestones and financial goals.

How HDFC Life Click 2 Achieve works to your advantage?

• Enjoy a Guaranteed Immediate Income with the freedom to select the duration of your choice according to specific requirements.

• Tailor your plan with customizable options for Lump Sum, periodic income, or money-back features.

• Choose the desired Death Benefit Multiple that suits your preferences.

• Provide peace of mind concerning your child's future, with a built-in premium waiver in case of occurrences like death, critical illness, and total permanent disability.

• Acknowledge and reward exceptional achievements with the Outstanding Achievement Award.

• Decide the amount of income you wish to receive, perfectly tailored to your needs.

• Opt for a Guaranteed1 income that remains consistent throughout the income period or escalates.

A Unit Linked Non-Participating Individual Life Insurance Savings Plan for your financial protection needs

• Choose from 10 Funds to optimize your investment returns

• Customize your premium payment options – Single, Limited or Regular

• Choose from 5 convenient Benefit options to customize your payouts

• Get Loyalty Additions of up to 1.8% of the average fund value after 10th Policy Year onwards

• Reduced premium allocation charge on investing higher premium amount1

• Avail Tax Benefit as per Income Tax Act, 19612

A Unit Linked Non-Participating Individual Life Insurance Savings Plan that offers market linked returns

• Choose from 16 Funds to maximize your investment

• Enjoy unlimited free Switching option

• Minimal Charges: Only Fund Management charge towards managing your funds and Mortality charge towards your life cover

• Enjoy special addition of 1% of premium allocated to your fund for first 5 years

• All your future Premium(s) will be waived off and your fund will stay invested in case of death of the Proposer2

• Opt for systematic withdrawal from your funds for post retirement income

• Return of Mortality Charges (ROMC) on Maturity: In case of Premium Waiver option, Mortality charges pertaining to only the Life Assured would be refunded3

A Non-Linked Non-Participating Individual/Group Annuity Savings Plan

• Guaranteed* Annuity Income for whole of life by paying Premium(s) for a Single or Limited payment term

• One plan catering to both Single and Joint Life

• Single plan offering both Immediate Annuity and Deferred Annuity

• Enjoy special addition of 1% of premium allocated to your fund for first 5 years

• Flexible payout options to receive your Annuity amount – Monthly, Quarterly, Half-yearly or Yearly

• 4 annuity options to choose from: A. Life Annuity B. Life annuity with Return of % of Total Premiums paid C. Life Annuity with Early Return D. Increasing Annuity

• Option to defer Annuity payouts by choosing the Deferment Period

A non linked non-participating pension plan to help you build your retirement fund

• Guaranteed Additions of 3% of Sum Assured on vesting that get accrued for each completed Policy Year

• Flexibility to choose Premium Paying Term between Single and Limited Pay (5 to 12 years)

• A Lump Sum Vesting Addition payable at vesting

• Enjoy special addition of 1% of premium allocated to your fund for first 5 years

• Guaranteed Death Benefit equal to total Premium(s) paid to date accumulated at 6% per annum

• Wide range of annuity options to cater to your needs.

• Option to take the plan on a Single or Joint Life basis.

• Option to receive immediate or deferred annuity.

• Option to receive annuity monthly, quarterly, half-yearly or yearly.

• Option of Return of Purchase Price on death and Options for banks/financial institutions to purchase immediate annuities in respect of annuity payments for their commitments to the homeowners under the reverse mortgage schemes.

• Choice of increasing your annuity payouts through top up option.