HDFC ULIP Plans
  • Explore HDFC Life Insurance
  • ULIP Plan features and benefits
  • Buying and Claim Process
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HDFC ULIP Plans

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

HDFC Life ULIP plan 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. HDFC Life ULIP has numerous plans to choose from, based on people’s requirements, aligning with the financial needs of Indian citizens.

HDFC Life Insurance currently provides 13 different ULIP Plans with good returns. There are products available for retirement planning, a child’s education or marriage, and investment purposes.

Key Features of HDFC Life Insurance

HDFC Life Insurance offers an economical way of securing your family after you. Let's have a look at some of the brilliant features of the policy making it one of the best available term insurance plans in the domain.

  • Solvency Ratio
    The solvency ratio of the company helps an individual ascertain the company's ability to meet its long-term financial obligations. The Solvency Ratio of HDFC Life Insurance company for 2020-21 is 1.99 (As per the IRDAI, it is mandatory for every life insurer to maintain a solvency ratio of 1.5).The company holds a good and reliable claim-settling process with a CSR of 98.62%. (CSR as per IRDAI report of the year 2020-21). Life Insurance Corporation holds one of the highest claims settlement ratios among all insurance companies.
  • Claim Support
    The company holds a good and reliable claim-settling process with a CSR of 98.01%. (CSR as per IRDAI report of the year 2020-21). HDFC Life Insurance holds one of the highest claims settlement ratios amongst all the insurance companies.
  • Annual Premium
    As per the IRDAI report 2020-21, HDFC Life Insurance recorded an annual premium of Rs. 38,583.49 Crores.
  • PAN India Presence
    HDFC Life Insurance Company has 300+ branches across India and additional distribution touch-points through several new tie-ups and partnerships. Apart from its PAN India presence, it has more than 300 partnerships, comprising traditional partners such as SFBs, MFIs, and NBFCs. Moreover, it also has a strong base of financial consultants.
HDFC ULIP Plan life Insurance Key Features

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What are the Types of Plans Benefits Buying Process Contact Details

Benefits of HDFC ULIP Plans

HDFC ULIP Plan combines the best of insurance and investment which makes it a better option than investment or insurance alone. On investing in a ULIP you reap the benefits of the share market without taking heavy risks and provide a safety net for your family in the form of life cover. Here are some benefits which make HDFC ULIP a good investment choice for you.

  • 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 maturity period of the policy, he/she gets the accumulated fund as the maturity/survival benefit from the insurer. The amount paid as maturity benefits is equal to the fund value. The maturity benefits are exempted from tax under Section 10(10D).
  • Death benefits In the case of the unforeseen demise of the policyholder during the tenure of the policy, the death benefits are paid to the family member of the policyholder who is registered as the beneficiary.
  • Long-term investment benefits Investing in the market for the long term gives higher returns and helps you deal with market volatility. HDFC ULIP lets you invest in the market for the long term so that you get high returns on your investments.
  • Withdrawal benefits ULIP allows the partial withdrawal of funds to the investors in case of any emergencies. Wherein, an investor can withdraw funds up to a certain limit to meet their fund requirements arising because of an emergency.

HDFC ULIP Plans

HDFC Life ULIP Plan provides the benefits of an insurance cover as well as a market-linked investment allowing the flexibility to invest in equity or debt funds, depending on the investor’s risk appetite.

HDFC Life Sampoorn Nivesh

An insurance cum investment plan with loyalty additions and multiple fund options

Unique Features

  • Avail fund choices
  • Loyalty benefits
  • Partial withdrawal available

HDFC Life Pro Growth Plus

A unit-linked insurance plan that will enable you to enjoy benefits from market-linked returns and provide a life cover.

Unique Features

  • 10 fund choices available
  • Accidental death benefit
  • Maturity benefit available

HDFC Life Click 2 Wealth

A ULIP plan offering 11 different fund options with maturity benefits and a premium waiver option till 99 years of age.

Unique Features

  • 11 fund choices available
  • Free switching option
  • 1% annualized premium

HDFC Life SL ProGrowth Super II

A smart savings-cum-insurance plan to achieve long-term savings. Get coverage against death, accidental disability, and critical illness.

Unique Features

  • 8 fund choices available
  • Critical Illness Available
  • Partial Withdrawal available

HDFC Life SL Crest

A plan with higher returns to choose if you have a shorter investment period. Ideal if you are planning your insurance late.

Unique Features

  • 5-year premium term
  • 10 fund options available
  • 20 times sum assured available

HDFC Life SL ProGrowth Flexi

A unique plan that offers systematic wealth building over a long period to meet various financial milestones while staying insured.

Unique Features

  • Accidental Death Benefit
  • Flexible maturity benefits
  • Avail Tax benefits

HDFC Life Smart Woman Plan

A unique plan for women with coverage against contingencies and options to plan specific life events like marriage, health, career, etc.

Unique Features

  • Avail 40 times SI
  • 4 Fund options
  • Waive future premium

HDFC Life Classic One

A unique plan offering market-linked returns with 10 times cover options and 11 fund options with unlimited free switches.

Unique Features

  • Flexible coverage
  • Riders available
  • Death benefit available

HDFC Life Capital Shield

An investment-cum-insurance plan offering high returns by investing your money strategically in equity and debt.

Unique Features

  • Assured Maturity Benefit
  • Avail loyalty additions
  • 2 funds available

HDFC Life Wealth Builder

A plan that will provide you with life insurance coverage with a choice of 8 unit-linked funds. It is a single-pay plan.

Unique Features

  • Avail Maturity Benefit
  • Avail Death Benefit
  • 8 funds available

HDFC Life Wealth Elite

An efficient wealth creation plan with a choice of 8 fund options and comprehensive death benefit.

Unique Features

  • Avail Maturity Benefit
  • Comprehensive Death Benefit
  • 8 funds available

HDFC Life Wealth Maxima

A plan that offers 3 different plan options and different levels of life cover. Suitable for all individuals looking to grow their wealth in an efficient manner.

Unique Features

  • Loyalty Benefit
  • Top-Up Benefit
  • 6 funds available

HDFC Life Products

HDFC Life
Insurance

HDFC Term
Insurance

HDFC Child
Insurance

HDFC Investment Insurance

HDFC Ulip
Insurance

Ulip Plans Companies

Invest and secure your life goals by choosing any of the below-mentioned ULIP plans as per your requirements.

How To Buy HDFC ULIP Plans?

HDFC Life allows you to buy ULIP 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 process.

Steps to buy from PolicyX.com

  • 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 policy term, premium period, and riders (if required) and then proceed to do the payment.

**Once the payment is made, you will get a payment confirmation at your registered email address.

Steps to buy from HDFC Life Insurance company

  • Visit the official website of HDFC Life Insurance Company.
  • Click on ‘All plans’ on the navigation bar and select ‘ULIP 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.

How to Contact HDFC Life Insurance Company?

HDFC Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011

buyonline@HDFClife.in

1800 266 9777 (Available from 9:00 am to 9:00 pm IST)

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HDFC ULIP Plans: FAQs

1. How will an HDFC ULIP plan help me achieve my financial goals?

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.

2. What are the different types of ULIP Plans that one can invest in?

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.

3. How much return is guaranteed in ULIP Plans?

The returns on ULIPs can vary because the investor gets to choose the combination of equity, debt, hybrid funds in their investment.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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:

  • 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.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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