HDFC Life Insurance
- Avail family life cover
- Avail guaranteed benefits
- Maturity benefit available
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Updated on Jun 30, 2025 4 min read
HDFC Life Insurance is a joint venture between HDFC Ltd., India's leading housing finance institution, and Aberdeen PLC (formerly Standard Life Aberdeen PLC) a global investment company. HDFC Life has 372 branches and is present in around 980+ towns and cities in India. It deals with a wide range of products such as Pension, Protection, HDFC Life Savings & Investment, Child plan, Women, and Health plans. In the financial year 2021-22 alone, HDFC Life insured over 4 crores of lives and was awarded as a Superbrand in 2021.
HDFC Life Insurance Company ensures to look after your insurance needs by offering:
Decent Solvency Ratio
Highest Claim Support
Comprehensive Coverage
PAN India Presence
To get more insight into HDFC Life Insurance Company's performance, take a look at the below key highlights that will help you to analyze the company based on its performance:
HDFC Life Insurance has a Solvency Ratio of 2 as per the IRDAI annual report 2023-24. The solvency ratio helps the prospective policyholder assess the ability of a company to meet its financial obligations. As of now, IRDAI mandates maintaining a solvency ratio of 1.50 for every insurer.
There are various features to HDFC Life Insurance Plan. Let's understand each of them in detail:
There are multiple benefits of HDFC Life Insurance Plans. Read below to understand the plethora of advantages provided by the insurer.
HDFC Life Insurance brings effective solutions to their customers. The insurer tends to look at every product, every service point, and every innovation from their customer’s perspective.
HDFC Life offers cost-effective plans with affordable premiums catering to individuals across demographics.
HDFC Life Insurance plans offer various coverage options, allowing you to select a plan that meets your needs.
HDFC Life Insurance Plans recognize and reward individuals who have a healthier lifestyle with their low premium options.
Tax Benefits can be availed for premium payments of HDFC Life Insurance plans under sections 80C and 10 (10D) of the Income Tax Act 1961.
| Name of the Rider | Benefits |
| HDFC Life Income Benefit on Accidental Disability Rider | Offers additional income benefits in case of the policyholder’s demise due to an accident. |
| HDFC Life Critical Illness Plus Rider | A lump sum amount is offered in case the policyholder is diagnosed with any of the 19 critical illnesses. |
| HDFC Life Protect Plus Rider | Additional benefits are offered in case the policyholder is diagnosed with any of 19 critical illnesses or disability due to the accident. |
| HDFC Life Health Plus Rider | A lump sum amount is offered in case the policyholder is diagnosed with any of 60 critical illnesses. |
Here is the list of documents required to buy HDFC Life Insurance Plans:
Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.
HDFC Life Insurance allows you to buy life insurance plans via two platforms. You can either buy the plan online from the official website of the company or through third-party intermediaries like agents, brokers, etc. Given below is a detailed explanation of both these types of buying processes.
Fill out the form given at the top of this page with the necessary details.
Select your income and city. Click on 'Proceed'.
Update your education and occupation details.
Choose your preferred plan and click on 'Buy this plan'.
Select the policy term, premium period, and riders (if required), and then proceed to make the payment. Once the payment is made, you will get a payment confirmation at your registered email address.
Visit the official website of HDFC Life Insurance Company.
Click on ‘All plans’ on the navigation bar and select 'Life' Insurance Plans’.
Click on the ‘buy now’ button and fill in the required details.
Tap on 'next' and select a plan as per your requirements.
Select the cover option you want and make your payment. Once the payment is made, you will get a payment confirmation at your registered email address.
Every claimant/nominee is assigned a dedicated Claims Relationship Officer who helps through the entire process. The life insurance claim Settlement process at HDFC Life Insurance involves the following three steps:
Inform the company about the incident via various channels-either by writing an email to HDFC Life at service@hdfclife.com, calling the toll-free number (022 6844 6530), filling out the online claim form on its website, or visiting the nearest branch. A claim reference number/intimation number will be provided to you upon successful registration of the claim.
You have to submit the necessary documents requested by the insurer to process the claim.
In case of natural death: death claim form, death certificate, original policy documents, claimant's identity & residence proof, medical records, and account details of the nominee.
In case of an accidental death: The same documents with two additional ones: FIR and post-mortem report.
After receiving all the documents and claim forms, the insurer will verify the details as per their norms. If they require any additional details they will contact you via call or email. On successful completion, the claim will be settled and the amount will be transferred to the nominee's bank account and the same will be communicated to him/her over a call or an email.
HDFC Life insurance claim settlement procedure can be reported by visiting the local HDFC Life Branch Office. For the details of HDFC Life Insurance branches, you can visit their website and locate the nearest branch. You have to submit the essential documents at the branch so that your claim can be processed.
If you have any more queries regarding HDFC Life Insurance Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!
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Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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