HDFC Investment Plans
  • Explore HDFC investment plans
  • Types of investment plans
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HDFC Investment Plans

HDFC Life Insurance company was founded in the year 2000 with a partnership between HDFC Limited & 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 to build savings habits and get good amounts of returns when in need. 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.

Types of HDFC Life Investment Plans

HDFC Life Insurance Company offers various types of Investment Plans to its customers with multiple benefits to save and grow your money. Here is the detailed list of HDFC investment plans along with their respective features and benefits.

PlansWhy should you buy it?
HDFC Life Sanchay PlusOffers guaranteed returns to you and your family
HDFC Life Sanchay Par AdvantageOffers guaranteed income for a guaranteed period and provides regular income in form of cash bonuses
HDFC Life SanchayGuaranteed benefits and flexibility to choose your investment option
HDFC Life Sampoorna Samridhi PlusOffers lump sum payment at the end of the policy term
HDFC Life Classic Assure PlusOffers guaranteed reversionary bonus along with the flexibility to choose to pay term
HDFC Life Super Income PlanGuaranteed income for a period of 8 to 15 years
HDFC Life UdayOffers guaranteed additions and bonuses
HDFC Life PragatiDeath benefit for 2 years since last unpaid premium's date

In the section below, we will discuss all 8 plans in detail.

  1. HDFC Life Sanchay Plus

    HDFC Life Sanchay Plus is a non-participating and non-linked savings plan made to financially protect you and your family. It helps you achieve personal milestones that come with added expenses and responsibilities.

    Key Features:

    • Guaranteed Maturity benefit ensures you get a lump sum amount upon plan maturity.
    • Offers you flexibility in the form of a lump sum or regular income.
    • The life-long Income option offers you guaranteed income till the age of 99 years.
    • Get the tax benefits on premiums paid as per Income Tax Act, 1961.


    Eligibility CriteriaPlan OptionsMinimumMaximum
    Entry Age (in years)Guaranteed Income560
    Guaranteed Maturity5
    Life-Long Income50
    Long Term Income5
    Maturity Age (in years)Guaranteed Income1873
    Guaranteed Maturity1880
    Life-Long Income5673
    Long Term Income1873
    Premium Instalment (Minimum)All Options CoveredAnnual : Rs. 30,000
    Half Yearly: Rs. 15,000
    Quarterly: Rs. 7,500
    Monthly: Rs. 2,500
    Premium Instalment (Maximum)All Options CoveredNo limit
    RidersAll Options CoveredHDFC Life Income benefit- Accidental Benefit Rider
    Critical Illness Plus Rider

    Sample Illustration

    The table illustrates the benefits of healthy males of age 30 years, who pay Rs. 1 lakh with taxes p.a. throughout the premium paying term and policy term.

    Plan OptionSum AssuredDeath Benefit at InceptionPolicy TermPremium Paying Term
    Guaranteed Maturity1,250,0001,250,0002010
    Guaranteed Income1,250,0001,496,5861312
    Long Term Income1,250,0001,250,0001110
    Life-Long Income1,050,0001,050,0001110
  2. HDFC Life Sanchay Par Advantage

    If you want to avail a cover for a lifetime (up to 100 years of age) and generate a regular income, it is a participating life insurance plan that helps you to achieve your future goals.

    Key Features:

    • Provides protection of live cover up to the age of 100 years.
    • Choose between Immediate income options or Deferred income options as per your requirements.
    • Immediate Income Option gives regular income in the form of cash bonuses, if declared, from the first policy year until the death or end of the policy. It also provides a lump sum at the time of maturity.
    • Deferred Income Option provides guaranteed income for a specific period of time along with regular income in the form of cash bonuses, if declared, throughout the term of your policy. It also provides a lump sum at the time of maturity. The death benefit, along with the rest, will include Guaranteed Income if it was not paid earlier.
    • Offers you the flexibility to choose the payout date for survival benefits.
    • Get the tax benefits on premiums paid as per Income Tax Act, 1961.


    Entry Age30 daysImmediate Income: 65 years
    Deferred income: 55 years (for PPT 8 years)
    60 years (for PPT 10, 12 years)
    Maturity AgeMaximum - 100 years
    Term of premium paymentImmediate Income: 6, 8, 10, 12 years
    Deferred Income: 8, 10, 12 years
    Policy TermBelow 100 years - Entry Age
    30-40 years - A fixed policy Term
    Sum Assured on Maturity (Minimum)Rs 3,00,000
    Sum Assured on Maturity (Maximum)No limit
  3. HDFC Life Sanchay

    It is a non-participating insurance plan that provides complete freedom to select the most viable investment option. The plan offers guaranteed benefits as well.

    Key Features:

    • Offers guaranteed benefit on maturity (provided all due premiums have been paid).
    • Guaranteed benefits vary by the policy term (140% to 460% of the Sum Assured on maturity).
    • It allows you to pay premiums in installments (only applicable for HDFC credit cardholders).
    • Flexibility to choose policy terms:
    • 5 to 20 years for single pay
    • 10, 12, 15, and 40 years for Limited pay
    • Availability of Short Medical Questionnaire (SMQ) based underwriting.


    Entry Age (Minimum)Limited Pay - 30 days
    Single pay - 5 years
    Entry Age (Maximum)Limited Pay - 65 Years
    Single pay - 50 years
    Maturity Age (Minimum)18 years
    Maturity Age (Maximum)85 years
    Sum Assured (Minimum)Rs 2,510
    Sum Assured (Maximum)No limit
    Policy TermsSingle Pay - 5 years (Minimum) and 20 years (Maximum)
  4. HDFC Life Sampoorna Samridhi Plus

    It is an endowment plan which provides protection to your loved ones.

    Key Features:

    • It allows you to select a policy plan from 15 to 40 years.
    • Provides the additional benefit in case of death due to an accident.
    • It offers up to 5% per annum of sum assured on maturity worth of additions for the first 5 years.
    • Tax benefits under Section 80(C) & Section 10(10D) of Income Tax Act, 1961.


    Eligibility CriteriaMinimumMaximum
    Entry Age30 days60 years
    Maturity Age18 years75 years
    Policy Term1540
    Sum AssuredRs 65,463No limit
  5. HDFC Life ClassicAssure Plus

    It is a participating insurance plan that offers flexible options to choose premium paying terms along with a guaranteed reversionary bonus.

    Key Features:

    • Limited Premium Paying terms of 7 or 10 years
    • It allows you to take a loan if you meet certain conditions.
    • Offers insurance coverage throughout the policy tenure
    • You can choose to pay premiums via monthly/quarterly/half-yearly/annual modes.
    • If your policy has a sum assured of 10 lakhs and above, you will get a discount on its basic premium.
    • Availability of Short Medical Questionnaire (SMQ) based underwriting.


    Policy Term (in years)101520
    Premium Paying Term (in years)77 or 1010
    Entry Age (Minimum)8 years3 years30 days
    Entry Age (Maximum)556055
    Maturity Age (Maximum)657575
    Minimum Sum Assured on Maturity (in Rs.)49,44748,03273,516
    Maximum Sum Assured on Maturity (in Rs.)No limit
  6. HDFC Life Super Income Plan

    It is a participating plan that provides guaranteed income for a period of 8 years to 15 years. The plan is suitable for individuals who require a regular income at their disposal so that they don't have to stress about future expenses.

    Key Features:

    • Offers insurance coverage throughout the policy term
    • Availability of a Short Medical Questionnaire (SMQ)
    • At maturity, boost your regular income with terminal and reversionary bonuses
    • Offers a wide range of premium payment and policy term options to meet your savings and income goals
    • Get the survival benefits varying from 3.84% to 12.5% of the sum assured
    • Regular income for a period of 8 to 15 years after the payment of premium
    • Guaranteed Income every year for a period of 8, 10, 12, or 15 years under limited pay options
    • Guaranteed Income from the 2nd policy year onwards till the end of the policy term (under single pay option)


    Entry Age18 years minus Policy Term (for policy term less than 18 years)
    30 days (for policy term greater than or equal to 18 years)
    59 (For policy term 15 & 16 years)
    57 (For Policy Term of 18 Years)
    55 (For Policy Term of 20 Years)
    53 (For Policy Term of 22 Years)
    51 (For Policy Term of 24 Years)
    48 (For Policy Term of 27 Years)
    34 (For Policy Term 15 to 27 Years Under Option 9)
    Maturity Age18 years75 years
    Sum Assured on Maturity (Minimum)Limited Pay: Rs. 76,198
    Single Pay: Rs. 18,457
    Sum Assured on Maturity (Maximum)No limit
  7. HDFC Life Uday

    This plan is formulated to safeguard your savings along with providing a lump sum amount to your loved ones in case of your untimely demise.

    Key Features:

    • Multiple term options
    • Guaranteed benefits of 3% p.a. during the first 5 policy years
    • Offers accidental death benefit, If the policyholder dies in an accident
    • Easy and convenient issuance process


    Policy Term12 years15 years
    Premium paying term8 years8 years or 10 years
    Entry age (Minimum)18 years
    Entry age (Maximum)55 years
    Minimum Maturity Age30 years
    Maximum Maturity Age70 years
    Minimum sum assured on maturityRs. 28,465
    Maximum sum assured on maturityNo limit
  8. HDFC Life Pragati

    This plan is based on two factors- protection and savings.

    Key Features:

    • Death benefit for 2 years since the last unpaid premium's date
    • Quick issuance of the policy
    • Bonuses and tax benefits
    • Guaranteed premium returns on maturity


    Policy Term5-20 years10-20 years10 years
    Premium Paying TermSingle payLImited Pay: 5/10 yearsRegular Pay: 10 years
    Entry Age (Minimum)8 years
    Entry Age (Maximum)55 years
    Maturity Age (Minimum)18 years
    Maturity Age (Maximum)65 years
    Sum Assured (Minimum)Rs. 5,000
    Sum Assured (Maximum)Rs. 20,00,000

Buying Process Of HDFC Investment Plans

There are two ways through which you can invest in HDFC Investment Plans- via and the official website of the company. Let's discuss the steps further.

Buying process of HDFC Life investment plan through

  • Scroll up to 'Free Quotes From Top Companies' given at the top right corner of this page. Submit basic details such as DOB, annual income, gender, etc. Tap on 'Continue'.
  • Provide your phone number, name and city. Tap on 'proceed'. Check the available quotes from the top insurance companies in India.
  • Choose the desired plan and tap on 'Invest' at the right corner of the chosen plan. Click on 'Proceed to Buy'. Enter your 'E-mail ID' and 'Submit Details'.
  • It will take you to the companies official website. Make the payment using available payment options.
  • You will receive a confirmation along with the policy documents at your registered email address.

Buying process of HDFC Life investment plan through HDFC Life official website

  • Visit the official website of HDFC Life Insurance Company. Click on the 'Investment Plan'. Scroll down to the plan section.
  • Select the plan that you want to buy and click on 'Buy Online'. Confirm the details and click on the 'Calculate Button'
  • Analyze the plan and confirm the details. Click on the 'Buy Now Button' and 'Fill the details and Click Pay Now'.
  • Complete the application form with your personal and professional life and your health details.
  • Review your details and make the payment. The company will share the policy documents at your registered Email address.
Buying Process Of PolicyX website
Buying Process Of HDFC Investment Plans

Claim process of HDFC Investment Plans

Filing a claim and receiving a sum assured can be a relatively simple and hassle-free process if a claimant follows all of the required steps. Read below how a claimant in India can file a claim in the following situations:

In case of the insured's death, the nominee of the deceased will be able to claim in the following way:

Buying process of HDFC Life investment plan through

  • Intimate the insurer about the death of the policyholder as soon as possible with all the important details such as time, place, and cause of death.
  • Submit the required documents and proof to the insurance company. This will consist of the insured's death certificate along with the claim form provided by the insurance company.
  • If the policy was assigned, the assignee will have to provide the documents. If someone else (apart from the nominee or assignee) is filing a claim, (s)he has to submit the legal proof of his/her relation with the insured.
  • If required, post-mortem, hospital, and attending doctor's reports have to be submitted.
  • In cases involving police inquiries, an investigation report will have to be submitted.
  • Once the investigation is over, the insurance company will approve/disapprove the claim. The details of the same will be shared with the claimant.

In Case The Policy Is Matured

If the insured survives the policy term, then he/she is eligible to avail of all the maturity benefits. Policyholders are liable to receive benefits mentioned under the investment plan with accrued bonuses applicable against each plan. Investors are advised to approach their respective life insurance companies to file a claim.

HDFC ULIP Products

HDFC Investment Plan: FAQs

1. What is partial withdrawal?

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.

2. How can I pay the investment plan premiums?

You can pay your investment plan charges via different online payment modes- net banking, credit card, debit card, etc.

3. Which is better - A deferred or immediate annuity plan?

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.

4. How can I cancel the HDFC Life Investment Policy?

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.

6. Which is the HDFC best Investment Plan?

HDFC Life offers various good investment plans. You can simply visit the official website of HDFC Life or you can visit to check the best HDFC investment plan.

7. How can I check the policy status for HDFC Investment Plans?

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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.5/5 (30 Total Rating)

September 21, 2021

Sukhi Singh


very decent customer support at! my benefits and features of click 2 retire was detailed and i have no confusion

September 20, 2021

Kanak Deol


had a good discussion with one the agents at policyx,com! i mean the person was deeply knowlegeable and it was very helpful! Will recommned going forward!

September 20, 2021

Surbhi Verma


I bought the click 2 protect plan to secure myslef...I think policyx did a fab job piking the right plan for me! got a decent bunch of benefits

September 17, 2021

Kanak Goel


This is the second term plan that I m buying from I want to make sure my family has enough after my death so I figured HDFC was a safe bet

September 16, 2021

Kinshuk Chabra


with corona and my brother s death due to it, our entire family was in shock. but I went to personally claim the policy after hs death was policyx which guided me and made sure that process was smooth

Last updated on August, 2021

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