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Unit-Linked Insurance Plans (ULIP) offered by HDFC Life are a combination of investment and protection plans. These plans provide the benefits of an insurance life cover and market-linked investments which are subject to risk associated with capital markets. HDFC Life - ULIP offers the flexibility to invest in debt or equity funds depending on the life assured risk appetite and financial objectives. ULIP also offers tax benefits on premium payments, thus taking care of your future goals such as securing your child's future, creating wealth, and planning your retirement goals.
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Provides Incentives To Stay Invested
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Offers Flexible Investment Options
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Complete Transparency
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Tax Benefits With Dynamic Savings
Claim Settlement Ratio is the percentage of life insurance claims paid out of the total claims filed in a financial year. The Claim Settlement Ratio of HDFC Life Insurance is 99.07% for the financial year of 2019-20.
Take a look at the below graph that will give you an insight into the CSR of different Life Insurance companies:
HDFC Life Insurance And Other Top Life Insurance Companies (Based on Claim Settlement Ratio)
HDFC Life Insurance Company offers 8 ULIP plans that offer you multiple benefits to save and grow your money.
HDFC ULIP Plans | Why Should You Buy? |
HDFC Life Click 2 Wealth | The plan offers market-linked returns with minimal charges |
HDFC Life Click 2 Invest | Offers market-linked returns along with valuable financial protection to you and your family |
HDFC SL ProGrowth Flexi | Offers flexible additional benefit option |
HDFC Life Sampoorna Nivesh | Provides multiple fund options to optimize the investment |
HDFC Life ProGrowth Plus | Regular ULIP plan that provides the flexibility to choose your premium and investment fund. |
HDFC Life SL ProGrowth Super II | Offers flexible additional benefit options and provides valuable protection to you and your family |
HDFC SL Crest | Offers valuable protection to you and your family by providing the benefit of paying premiums for a limited term. |
HDFC Life Capital Shield | The plan protects your investment from market risks with an assured maturity benefit along with a life insurance cover. |
Let's understand each plan in detail for better understanding.
HDFC Life Click 2 Wealth is a unit-linked non-participating life insurance plan that provides market-linked returns to the insured, along with helpful financial protection to the entire family. The plan effectively safeguards your wealth so that you can fulfill all your desired goals.
Key Features:
Eligibility
Eligibility Criteria | Invest Plus | Premium Waiver Option | Golden Years Benefit Option |
Entry Age | Life Assured - 30 days to 60 years | Life Assured - 30 days to 60 years Proposer - 18 years to 65 years | Life Assured - 30 days to 60 years |
Maturity Age | 18 years to 75 years | 18 years to 75 years | 99 years |
Minimum Premium | Single payout - Rs. 24,000, Annual Payout - Rs.12,000, Half-yearly - Rs.6,000, Quarterly - Rs.3,000, Monthly - Rs.1,000 | ||
Maximum Premium | No Limit | ||
Policy Term | 10 to 40 years | 10 to 40 years | 99 minus age of entry |
Premium Paying Term | Singler Pay, Limited: 5, 7, and 10 years, Regular: 10 to 40 years | Limited: 5, 7, and 10 years, Regular: 10 to 40 years | Limited Pay: 10 to 70 years minus entry age |
HDFC Life Click2Invest is an online ULIP plan that provides market-linked returns and financial protection to meet your investment requirements.
Key Features:
Eligibility
Entry Age | 30 days to 65 years |
Maturity Age | 18 years to 75 years |
Sum Assured | 125% of single premium |
Premium Paying Term | Single Pay, Limited: 5,7, and 10 years, Regular: 5 to 20 years |
HDFC SL ProGrowth Flexi is a savings-cum-insurance unit-linked plan (ULIP) that helps you to provide financial security to your loved ones.
Key Features:
Eligibility
Life Options | Extra Life Options | ||
Entry Age (in years) | Minimum | 14 | 18 |
Maximum | 65 | 55 | |
Maximum Maturity Age (in years) | 75 | 70 | |
Policy Term (in years) | Minimum | 10 | |
Maximum | 30 |
HDFC Life Sampoorn Nivesh is an insurance cum investment plan designed with multiple fund options to help you optimize your investment to meet your protection needs.
Key Features:
Eligibility
Parameters | Classic Life Option | Classic Extra Life Option | Classic Plus Option | Classic Waiver Option | |
Entry Age (in years) | Minimum | 0 (30 days) | 18 | 0 (30 days) | 18 |
Maximum | 54 | 53 | 48 | 47 | |
Maturity Age | Minimum | 18 | 28 | 18 | 28 |
Maximum | 64 | 63 | 58 | 57 |
HDFC Life ProGrowth Plus is a simple savings-cum-insurance plan that will help you to avail life cover and benefit from your investment strategies.
Key Features:
Eligibility
Parameters | Life Option | Extra Life Option | |
Entry Age (in years) | Minimum | 14 | 18 |
Maximum | 65 | 55 | |
Maturity Age (in years) | Minimum | NA | NA |
Maximum | 75 | 70 |
HDFC SL ProGrowth Super II is a smart savings-cum-insurance unit-linked plan that will help you to build long-term savings.
Key Features:
Eligibility
Parameters | Life Options | Extra Life Option | Life & Extra Health Option | Extra Life & Health Option | Life & Disability Option | Extra Life & Disability Option | |
Entry Age (in years) | Minimum | 14 | 18 | ||||
Maximum | 65 | 55 | |||||
Maturity Age (in years) | Maximum | 75 | 70 | 65 | |||
Term Age (in years) | Minimum | 10 | |||||
Maximum | 30 | 25 |
HDFC SL Crest is a unit-linked insurance (ULIP) investment plan, which helps you to achieve your investment goals in a brief period of 10 years along with financial protection for your family.
Key Features:
Eligibility
Minimum Entry Age | 14 years |
Maximum Entry Age | 55 years |
Maturity Age | 65 years |
Policy Term | 10 years |
This plan is an investment-cum-insurance plan that offers the potential for higher returns. By investing a part of your money in equity and the balance in debt, an insured person can also avail of life insurance cover.
Key Features:
Eligibility
Parameters | Minimum | Maximum |
Entry Age | 8 years | 60 years |
Maturity Age | 18 years | 70 years |
There are two ways through which you can invest in HDFC ULIP Plans- via PolicyX.com and the official website of the company. Let's discuss the steps further.
HDFC Life ULIP Plan allows you to make quicker claims by using their online platform. To do so, you must follow the following steps:
The Company will contact you with acceptance or rejection of your claim settlement. Meanwhile, if you wish to track your claim, you can do so by clicking on the 'Track Claim' option available on the home page.
Additionally, you can choose to visit the branch by clicking on the branch option in the 'How to Make a Claim' section. It will redirect you to HDFC Life Branch Locator, using which you can find your nearest HDFC Life branch and file for settlement.
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1. How much return is guaranteed in HDFC ULIP?
The returns on ULIP plans vary based on the investor's selection of equity, debt, hybrid funds in combination for their investment.
2. How can I manage and track my fund value in the ULIP plan?
The fund value is the Net Asset Value (NSV) of a fund on the given day, multiplied by the number of units held by the investor.
3. Can I surrender a ULIP plan at any time?
If a ULIP plan is surrendered after the 5-year lock-in period, the entire fund value is paid to the policyholder.
4. How can I check the policy status for the HDFC Life ULIP plan?
Visit the official website of HDFC Life to check policy status, if you are a registered user. Log in the details into the portal like your client number and password to check the status.
5. What is the process to settle claims for HDFC Life ULIP plans?
HDFC Life allows you to make quicker, simpler, and more efficient claims by using their online platform. To do so, you must follow the following steps:
(Showing latest 5 reviews only)
September 21, 2021
Sukhi Singh
AllahabadSeptember 20, 2021
Kanak Deol
Chandigarhhad 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
MysoreI 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
MumbaiThis is the second term plan that I m buying from policyx.com. 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
Bhopalwith 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 ...it was policyx which guided me and made sure that process was smooth
Last updated on August, 2021
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very decent customer support at policyx.com! my benefits and features of click 2 retire was detailed and i have no confusion