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HDFC ULIP Plans

HDFC ULIP plan provides the benefits of an insurance life cover and market-linked investments which are subject to risk ...Read More

Minimum Age- 14 year
Claim settlement ratio
Rs 1 lakh to No limit
Annual Premium
1
Active plans
70 years
Solvency ratio
🛡️ IRDAI Approved
⭐ 4.6/5 · 925 reviews
✅ Minimum Age- 14 year claim settlement ratio
📊 70 years solvency ratio
🌐 Annual, half-yearly, pan-India

What you get with HDFC ULIP Plans

The headline features and policy mechanics, at a glance.

Annual Premium Rs 1 lakh to No limit

Affordable premium options starting from entry-level to comprehensive whole-life protection.

Minimum Age- 14 year claim settlement ratio

Industry-leading approval rate on eligible life insurance claims in the most recent fiscal year.

70 years solvency ratio

Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.

1 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 ULIP Plans: Overview

HDFC ULIP plans, offered by HDFC Life, combine investment and protection. An HDFC ULIP plan provides the benefits of a life insurance cover and market-linked investments, which are subject to risks associated with capital markets. HDFC Life ULIP plans offer the flexibility to invest in debt or equity funds, depending on the life assured's risk appetite and financial objectives.

HDFC Life ULIP plans also offer tax benefits on premium payments, helping you achieve future goals such as securing your child's future, creating wealth, and planning for retirement. HDFC Life ULIP offers numerous plans to choose from, aligning with the financial needs of Indian citizens.

HDFC ULIP Plans ensure your investment needs are met by offering:

  • Higher returns
  • Death benefits
  • Maturity benefits
  • Partial withdrawal benefits

Benefits of HDFC ULIP Plans

HDFC ULIP Plans offer multiple benefits. Read below to understand the advantages provided by these plans.

Higher returns

Investing in HDFC ULIPs can provide 12%-15% returns on investment for a tenure of 10 years.

Maturity benefits

If a policyholder survives beyond the policy's maturity period, they receive the accumulated fund as the maturity/survival benefit from the insurer. The amount paid as maturity benefits is equal to the fund value. Maturity benefits are exempted from tax under Section 10(10D).

Death benefits

In the case of the unforeseen demise of the policyholder during the policy tenure, the death benefits are paid to the family member registered as the beneficiary.

Long-term investment benefits

Investing in the market for the long term yields higher returns and helps you deal with market volatility. HDFC ULIP allows you to invest in the market for the long term to get high returns on your investments.

Withdrawal benefits

ULIPs allow partial withdrawal of funds to investors in case of emergencies. An investor can withdraw funds up to a certain limit to meet their financial requirements arising due to an emergency.

Riders You Can Avail With HDFC ULIP Plans

Name of the rider Benefits
HDFC Life Income Benefit on Accidental Disability Rider In the case of an Accidental Total Permanent Disability, this benefit is equal to 1% of the Rider sum assured per month for the next 10 years. This rider does not offer any maturity benefit.
HDFC Life Critical Illness Rider In case you are diagnosed with any of the 19 critical illnesses, a lump sum benefit equal to the sum assured shall be payable.

Types of HDFC ULIP Plans Plans

Every plan currently being sold by HDFC ULIP Plans, shown side-by-side so you can shortlist quickly.

Most popular HDFC Ulip Plans
HDFC ProGrowth Plus

HDFC ProGrowth Plus

HDFC Life ProGrowth Plus is a unit-linked insurance and regular premium plan where the premium is invested in the market, providing good returns along...

Unique Features
  • Flexibility to Invest in Funds
  • Regular Premiums
  • Sample Premium Rates
Sum assured 10 to 30 years
Entry age Minimum Age: 14 years, Maximum Age: 65 years
View plan

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 of the policyholder, if requested.

Income Proof

Income Proof (any one) - Bank statement, last three months' salary slips (if salaried).

How to Buy a HDFC ULIP Plans Plan?

Step-by-step guides for the four key moments in your policy lifecycle. Click a tab to switch.

  1. Visit the PolicyX.com website or the HDFC ULIP Plans official website to compare and choose a suitable life plan.
  2. Enter your personal details such as name, date of birth, gender, annual income, and smoking status to get a customised quote.
  3. Compare plan options — choose your sum assured, policy term, premium payment term, and any optional riders.
  4. Fill in the proposal form with your contact details, nominee information, and medical history accurately.
  5. Upload the required documents: identity proof, address proof, income proof, and recent photographs.
  6. Pay the first premium online via net banking, UPI, debit/credit card, or cheque.
  7. Complete the medical examination if required (depends on your age and sum assured).
  8. Receive your policy document via email and registered post after underwriting approval.
  1. Log in to the HDFC ULIP Plans customer portal or the PolicyX.com dashboard before your policy renewal date.
  2. Review your existing policy details — coverage, premium amount, and nominee information.
  3. Choose to continue with the same plan or upgrade your sum assured if eligible.
  4. Pay the renewal premium online via net banking, UPI, debit/credit card, or cheque.
  5. Download the renewed policy document from your registered email or the insurer portal.
  1. Visit the official website of HDFC Life Insurance Company.
  2. Hover over 'Investment Plans', click on the ULIP plan, and choose the plan you want to buy.
  3. Click on the 'buy now' button and fill in the required details.
  4. Tap on 'next' and select a plan as per your requirements.
  5. Select the cover option you want and make your payment. Once the payment is made, you will receive a payment confirmation at your registered email address.

What's covered — and what's not

The standard inclusions and exclusions across HDFC ULIP 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 only the premiums paid up to the date of the incident or the policy's surrender value, whichever is greater.

Conclusion

In conclusion, HDFC ULIP Plans provide market-linked returns that help you grow your money over time. Before investing, you should understand the associated risk-return ratio. For more information related to HDFC Life ULIP Plans, you can contact PolicyX.com 24/7. Our trusted insurance experts listen to your unique problems 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 Singh

I 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 Varshney

I'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 Mary

I 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 Shah

PolicyX 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 Rathod

I 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 Mahajan

Frequently asked questions

The 8 most-asked questions about HDFC ULIP Plans, answered.

When you opt to purchase a ULIP from HDFC Life, you’re securing not just your financial future but your family’s future as well. HDFC ULIP plan provides life cover and allows you to choose how to invest your money. You can opt to invest in different funds that invest in equity or debt funds or a mix of both based on your risk appetite.
Depending on one’s financial goals and risk appetite, investors can choose between equity, debt, and/or other instruments to invest in. Funds under ULIP include a number of instruments. The ratio of debt to equity held is different for every fund. A ULIP has multiple such funds to choose from.
The returns on ULIPs can vary because the investor gets to choose the combination of equity, debt, hybrid funds in their investment.
The returns on ULIP plans vary based on the investor’s selection of equity, debt, hybrid funds in combination for their investment.
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.
If a ULIP plan is surrendered after the 5-year lock-in period, the entire fund value is paid to the policyholder.
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.
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: Visit HDFC Life’s official website Scroll Down to the ’Make a Claim’ section and click on ’Submit Claim’. The ’How to make a claim’ section provides you with a link to make an Individual death claim. Click on the option ’Click Here’ to proceed. Verify the policy details, submit life assured details, and submit the nominee’s details along with the necessary documents.

Customer satisfaction

Aggregate ratings from 925 verified PolicyX customers who bought a HDFC ULIP Plans plan.

4.6
out of 5
925 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%

Life Insurance Articles

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Priya Singh — Health, Life & Term Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 27 Dec 2024 · Originally published: 27 Dec 2024

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