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HDFC Sanchay Plus
Achieving personal milestones is crucial for securing your future. These milestones often come with added responsibilities, expenses, and the financia...
Unique Features
- Guaranteed Benefits
- Death Benefits
- Sample Premium Rates
HDFC Investment Plans
HDFC Investment Plans
HDFC Investment Plans are designed to help policyholders build savings and get good returns when needed. These plans ...Read More
Minimum Age - 5 year
Claim settlement ratio
Rs 50,000 to No limit
Annual Premium
9
Active plans
80 years
Solvency ratio
🛡️ IRDAI Approved
⭐ 4.6/5 · 924 reviews
✅ Minimum Age - 5 year claim settlement ratio
📊 80 years solvency ratio
🌐 Annual, half-yearly, pan-India
What you get with HDFC Investment Plans
The headline features and policy mechanics, at a glance.
Annual Premium Rs 50,000 to No limit
Affordable premium options starting from entry-level to comprehensive whole-life protection.
Minimum Age - 5 year claim settlement ratio
Industry-leading approval rate on eligible life insurance claims in the most recent fiscal year.
80 years solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
9 active life plans
Choose from level cover, increasing cover, and return-of-premium variants.
Annual, half-yearly, pan-India presence
Branch offices and claim service centres across India for easy policy servicing.
HDFC Investment Plans: Overview
HDFC Life Insurance Company was founded in the year 2000 as a partnership between HDFC Limited and Standard Life Aberdeen PLC. HDFC Life offers a wide range of pension, savings, investment, and health insurance products.
HDFC Investment Plans are designed to help policyholders build savings habits and achieve good returns when needed. They usually provide a fixed maturity benefit amount at the end of the policy term. Read more to find out about the various HDFC investment plans offered by HDFC Life.
HDFC Investment Plans cater to your investment needs by offering:
- Guaranteed Returns
- Death Benefits
- Participation in Profits
- High Sum Assured Rebates
Features of HDFC Life Insurance
Good Solvency Ratio: HDFC Life Insurance has a Solvency Ratio of 2 as per the IRDAI annual report 2022-23.
Highest Claim Settlement Ratio: As per the IRDAI annual report of 2022-23, the claim settlement ratio of HDFC Life Insurance is 99.39%.
Annual Premiums: As per the annual report of IRDAI 2022-23, the annual premium of HDFC Life Insurance is Rs. 57,533.42 Cr.
Pan-India Presence: HDFC Life has a Pan-India presence with over 500 branch offices across India.
Benefits of HDFC Life Investment Plans
There are multiple benefits of HDFC Life Investment Plans. Read below to understand the various advantages provided by the insurer.
Guaranteed Maturity Benefit
HDFC Life Investment Plans offer guaranteed maturity benefits once the policy matures, along with applicable additions and bonuses.
Income Option Choice
HDFC Investment Plans offer the flexibility to choose income as a lump sum or regular payments.
Flexible Coverage Options
HDFC Investment Plans offer various coverage options, allowing you to select a plan that meets your specific needs.
Optional Riders
HDFC Investment Plans allow you to add optional riders as per your requirements by paying an additional premium.
Tax Benefits
Tax benefits can be availed for premium payments of HDFC Investment Plans under the Income Tax Act, 1961.
Riders You Can Avail With HDFC Investment Plans
| Name of the Rider | Benefits |
| HDFC Life Income Benefit on Accidental Disability Rider | In case of any unfortunate incident during the policy term, with HDFC Life Income Benefit on Accidental Disability Rider, you can receive additional income benefits over and above your sum assured. |
| HDFC Life Critical Illness Rider | In case you are diagnosed with any of the 19 critical illnesses mentioned in the brochure, a lump sum benefit equal to the rider sum assured would be paid to the policyholder. |
Types of HDFC Investment Plans Plans
Every plan currently being sold by HDFC Investment Plans, shown side-by-side so you can shortlist quickly.
HDFC My Assured Income Plan
‘A combination of income and family protection plan’. HDFC Life My Assured Income Plan is a perfect blend of a guaranteed income plan and a family pro...
Unique Features
- Guaranteed income benefits
- Terminal benefits
- Life coverage
HDFC Guaranteed Income Plan
HDFC Life Guaranteed Income Insurance Plan is a non-linked, non-participating life insurance saving plan. It offers a regular income payout for 16 to ...
Unique Features
- Limited premium payment term
- Guaranteed sum assured
- Terminal Bonus Benefit
HDFC Guaranteed Wealth Plus
'A plan that helps you save for your future goals.' The insurance market is filled with several insurance products, each with its unique benefits. If ...
Unique Features
- Dual Benefits
- Guaranteed Income
- Lump Sum and Income Variant
HDFC Assured Gain Plus
HDFC Life Assured Gain Plus is a non-linked participating savings life insurance plan offering financial protection to your family after your demise a...
Unique Features
- Limited Premium Payment Term
- Guaranteed Sum Assured
- Terminal Bonus Benefit
HDFC Life Uday Plan
Invest today for a worry-free tomorrow with the HDFC Life Uday Savings Plan for a brighter future.HDFC Life Uday, from HDFC Life Insurance, is a guara...
Unique Features
- Discount on Sum Assured
- Guaranteed Additions
- 2 Rider Benefits
HDFC Sampoorn Samridhi Plus
‘A plan that offers you dual benefits - savings and whole life coverage.’ HDFC Sampoorn Samridhi Plus combines whole-life and savings plans, offering ...
Unique Features
- Guaranteed additions
- Lifetime coverage
- Loan against policy
HDFC Super Income
HDFC Super Income Plan is a comprehensive, non-linked savings plan that provides a combination of regular income and insurance coverage. It offers nin...
Unique Features
- Start earning from 2nd year
- 9 plan options
- 3.4% to 12.5% extra benefits
HDFC Sanchay Par Advantage
Secure lifelong income with whole life cover. Sign up for HDFC Life Sanchay Par Advantage Plan today. HDFC Life Sanchay Par Advantage, from HDFC Life ...
Unique Features
- 5.5% Guaranteed Additions
- Three In-built Riders
- Annual/Terminal Bonus
Life Plans Comparison
Side-by-side across the 3 most-bought HDFC Investment Plans plans on PolicyX.
| Feature | HDFC Sanchay Plus | HDFC My Assured Income Plan | HDFC Guaranteed Income Plan |
|---|---|---|---|
| Plan type | HDFC Investment Plans | HDFC Investment Plans | HDFC Investment Plans |
| Sum assured | 105% of the Total Premium Paid | Minimum - NA Maximum - NA | Minimum - Depends on Monthly Premiums Maximum - No Limit |
| Entry age | Minimum Age: 5 years, Maximum Age: 60 years | Minimum Age - 2 years Maximum Age - 60 years | Minimum Age - 18 years Maximum Age - 49 years |
| Top benefits | Options of Income Payout · Guaranteed Benefits | Income Benefits · Surrender Value | Limited premium payment · Maturity Benefit |
Documents required
For policy purchase and claim submission. Have these ready before you start.
Photo ID Proof Photo ID Proof (any one) - Passport, Aadhaar card, PAN card, Driving License.
Age Proof Age Proof (any one) - Passport, Aadhaar card, PAN card, Driving License.
Address Proof Address Proof (any one) - Utility Bill, Passport, Voter ID, Ration Card.
Medical Records Medical Records (if requested).
Income Proof Income Proof (any one) - Bank Statement, Last three months' salary slips (for salaried individuals).
How to Buy a HDFC Investment Plans Plan?
Step-by-step guides for the four key moments in your policy lifecycle. Click a tab to switch.
- Visit the PolicyX.com website or the HDFC Investment Plans official website to compare and choose a suitable life plan.
- Enter your personal details such as name, date of birth, gender, annual income, and smoking status to get a customised quote.
- Compare plan options — choose your sum assured, policy term, premium payment term, and any optional riders.
- Fill in the proposal form with your contact details, nominee information, and medical history accurately.
- Upload the required documents: identity proof, address proof, income proof, and recent photographs.
- Pay the first premium online via net banking, UPI, debit/credit card, or cheque.
- Complete the medical examination if required (depends on your age and sum assured).
- Receive your policy document via email and registered post after underwriting approval.
- Log in to the HDFC Investment Plans customer portal or the PolicyX.com dashboard before your policy renewal date.
- Review your existing policy details — coverage, premium amount, and nominee information.
- Choose to continue with the same plan or upgrade your sum assured if eligible.
- Pay the renewal premium online via net banking, UPI, debit/credit card, or cheque.
- Download the renewed policy document from your registered email or the insurer portal.
- Visit the official website of HDFC Life Insurance Company.
- Click on 'Investment plans' on the navigation bar and select the plan you want to buy.
- Click on the 'Buy Now' button and fill in the required details.
- Click 'Next' and select a plan as per your requirements.
- Select the cover option you want and make your payment. Once the payment is made, a confirmation will be sent to your registered email address.
What's covered — and what's not
The standard inclusions and exclusions across HDFC Investment Plans plans. Specific plans may add benefits — always check the policy wording before purchase.
✗ Exclusions
- If a policyholder commits suicide during the first 12 months after obtaining the insurance, the nominee receives no death benefit. They receive just the premiums paid up to the date of the incident or the policy's surrender value, whichever is greater.
Conclusion
In conclusion, HDFC Life Insurance offers a range of flexible, customer-centric investment plans tailored to meet various financial needs and life goals. With its strong digital presence, excellent claim settlement record, and diverse product portfolio, HDFC Life stands out as a trusted partner for securing one's financial future. For more information on HDFC Life Investment Plans, you can contact Policyx.com 24/7. Our trusted insurance experts are available to understand your unique needs and suggest the best possible solutions.
Why Choose PolicyX.com?
Don't just take our word for it — check out what our happy customers say about us!
All my claims were rejected for 3 years. Then, I received a text from PolicyX team, who noticed that my claims hadn't been settled. They managed to get my claims settled, totalling ₹4.5 L. I really appreciate the efforts of the PolicyX advisors for their support in settling my claims.
Ravindra SinghI highly appreciate the help of the PolicyX team for settling my claim of Rs. 5 Lakhs with zero deductions. I took a policy online from them in March 2024. As a customer, it's been a great experience throughout the process.
Priti VarshneyI'm very satisfied because my claim of over ₹2 L has been settled as a result of your team effort. However, I was very upset with the insurer, who delayed the claim for almost 2 months. But with your support and interaction, the claim was settled within 30 days & I appreciate it a lot.
Nisha MaryI bought my health policy from PolicyX, and so far, it's been a very pleasant experience with the team. I really appreciate the help for renewing my health policy. I look forward to continuing my relationship with PolicyX and recommend it to everyone.
Ajay ShahPolicyX has been a savior during a medical emergency in my family recently. My wife was admitted in the hospital, and the insurance company declined my claim request. The PolicyX team handled the situation very well and I received the claim right on time.
Vijay RathodI purchased a health plan for the very first time and the support by PolicyX is commendable. They helped me with the paperwork, explained the policy details to me with patience and supported me at every step of policy buying. A big thanks to you guys.
Uma MahajanFrequently asked questions
The 6 most-asked questions about HDFC Investment Plans, answered.
Maximum unit-linked plans offer you the choice of making lump sum withdrawals throughout the plan without any trouble. This is called a partial withdrawal.
You can pay your investment plan charges via different online payment modes- net banking, credit card, debit card, etc.
A deferred annuity plan should be taken as early as possible but the timing of the immediate annuity plan depends on when you are about to retire.
As per the rules, you can only cancel the policy after completing 5 years. Once that is done, you can send a cancellation process to the HDFC branch office. The process will start within 72 hours.
HDFC Life offers various good investment plans. You can simply visit the official website of HDFC Life or you can visit PolicyX.com to check the best HDFC investment plan.
Simply go to HDFC Life’s official e-portal and log in using your registered ID and password. You can check your policy status once you’ve successfully logged in.
Customer satisfaction
Aggregate ratings from 924 verified PolicyX customers who bought a HDFC Investment Plans plan.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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