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HDFC Life Term Insurance Review 2026 | Best HDFC Term Insurance | Policyx
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HDFC Term Insurance
HDFC Term Insurance
It is one of India & top term insurance companies with a strong reputation for providing high-quality insurance ...Read More
99.68%
Claim settlement ratio
Rs 71,044.91 Cr
Annual Premium
12
Active plans
1.94x
Solvency ratio
🛡️ IRDAI Approved
⭐ 4.6/5 · 930 reviews
✅ 99.68% claim settlement ratio
📊 1.94x solvency ratio
🌐 450+ pan-India
What you get with HDFC Term Insurance
The headline features and policy mechanics, at a glance.
Annual Premium Rs 71,044.91 Cr
Affordable premium options starting from entry-level to comprehensive whole-life protection.
99.68% claim settlement ratio
Industry-leading approval rate on eligible term insurance claims in the most recent fiscal year.
1.94x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
12 active term plans
Choose from level cover, increasing cover, and return-of-premium variants.
4+ optional riders
Extend a base policy with add-on covers — critical illness, accidental death, waiver of premium and more.
450+ pan-India presence
Branch offices and claim service centres across India for easy policy servicing.
HDFC Life Term Insurance Plans
What are some of the Benefits that set them apart?
-
Death benefits for your family
-
Affordable premiums
-
Long-term coverage option
-
Option to choose additional riders
-
Tax-saving benefits
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Flexible premium payment options
-
Discount on purchasing online
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Additional riders to choose from
Video reviews
HDFC Term Insurance Plans
Types of HDFC Term Insurance Plans
Every plan currently being sold by HDFC Term Insurance, shown side-by-side so you can shortlist quickly.
HDFC Click to Protect Supreme Plus
HDFC Life Click 2 Protect Supreme Plus is a pure term insurance plan designed for long-term family protection, with flexible features. It provides mul...
Unique Features
- 3 plan options
- wellness benefits
- survival benefits
HDFC Life Click 2 Protect Ultimate
HDFC Life Click 2 Protect Ultimate is a Non-Participating, Non-Linked, Individual, Savings Life Insurance Plan/ Pure Risk Premium Plan. It provides li...
Unique Features
- High Life Cover Terminal Illness
- Return of Premium Benefit
- 100% Claim Assurance
HDFC Click 2 Protect Supreme
HDFC Life Click 2 Protect Supreme is a pure term insurance plan that provides financial safety to your loved ones in case something unfortunate happen...
Unique Features
- Choice of Plan Options
- Return of Premium Option
- Increasing Death Benefits
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HDFC Life Saral Jeevan Bima
HDFC Life Saral Jeevan Bima is a non-linked, non-participating plan with standardised IRDAI-approved features, which makes it simple, transparent, and...
Unique Features
- Flexible premiums
- Additional riders
- Financial protection
HDFC Life Click 2 Protect Elite
HDFC Life Click 2 Protect Elite by HDFC Life Insurance offers very high life cover, smart exit (premium return), flexible payouts, and rider options f...
Unique Features
- Smart Exit Benefit
- Free-look period
- Policy revival
HDFC Life Sanchay Legacy
‘HDFC Life Sanchay Legacy, a comprehensive term plan offering early ROP benefits with increasing death cover.’ Most of your prime days are spent worki...
Unique Features
- Increasing death benefit
- Life cover with no medical test
- Accelerated death benefit
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HDFC Life Click 2 Protect 3D Plus
HDFC Life Click 2 Protect 3D Plus by HDFC Life Insurance offers 3-in-1 protection-death, disability, and critical illness—at affordable premiums. As t...
Unique Features
- 9 Plan Options
- Whole life coverage
- Rider benefits
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HDFC Life Smart Term Edge
HDFC Life Smart Term Edge is a comprehensive protection plan offering multiple options and features at reasonable premiums. The plan provides you with...
Unique Features
- Reduced Paid Up Benefit
- Death Benefit
- Surrender Benefit
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HDFC Life Smart Term Pro
HDFC Life Smart Term Pro is a versatile term insurance plan designed to provide comprehensive life insurance coverage and financial security. This is ...
Unique Features
- Enhanced Protection Through Riders
- Return Of Premium
- Surrender And Maturity Benefit
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HDFC Term With Return Of Premium
HDFC Term with Return of Premium Plan offers comprehensive protection, which helps the insured secure their family with Zero-Cost Term insurance by th...
Unique Features
- Death Benefit
- Reduced Paid Up Benefit
- Discount On Large Sum Assured
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HDFC Quick Protect
HDFC Life Quick Protect is a comprehensive term insurance plan that provides coverage against death, disease, and disability. The plan is highly custo...
Unique Features
- High Sum Insured
- 19 Critical Illness Cover
- Accidental Death Benefit
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HDFC Click 2 Protect Super
HDFC Life Click 2 Protect Super Plan by HDFC Life Insurance offers high cover, affordable premiums, and flexible plan options. The plan offers a choic...
Unique Features
- CI Cover Available
- 3 Plan Variants
- Avail Spouse Cover
Term Plans Comparison
Side-by-side across the 3 most-bought HDFC Term Insurance plans on PolicyX.
| Feature | HDFC Click to Protect Supreme Plus | HDFC Life Click 2 Protect Ultimate | HDFC Click 2 Protect Supreme |
|---|---|---|---|
| Plan type | Term Plan | Term Plan | Term Plan |
| Sum assured | INR 50,000 | INR 1,00,00,000 to INR 3,00,00,000 | Base sum assured: Rs 10,000 to No Limit |
| Entry age | 18 years | 18 to 85 years | Minimum Age - 18 years Maximum Age - 84 years |
| Top benefits | 3 plan options · wellness benefits | Maturity Benefit/Return of Premium (ROP) Option (on survival till maturity) · Death Benefit as an Instalment Option | Death Benefit · Choice of Plan Options |
Riders You Can Avail With HDFC Term Insurance Plans
Enhance your term plan with optional add-on riders for broader protection.
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.
Benefits of HDFC Term Insurance
HDFC Term Insurance is one of the most trustworthy and reliable insurer partners. Here are the reasons why you should choose HDFC Term Insurance Plans:
01
Good Solvency Ratio
In the latest report by IRDAI (2024-2025), HDFC term insurance maintains a healthy solvency ratio of 1.94, which is considered the best in the market.
02
Claim Settlement Ratio
HDFC Term Insurance has maintained a very high claim settlement ratio of 99.68% since the beginning, which means almost every claim raised is settled by them in the same financial year.
03
Ease of Purchase
HDFC term insurance plans are available both offline and online. If you are a working professional with limited time, you can buy it online easily.
04
Flexibility of Plan
HDFC term insurance plans offer the flexibility to receive the death benefits as a lump sum, in installments (monthly, quarterly, half-yearly, yearly), or a combination of both.
05
Availability of Riders
HDFC term policy allows you to choose from multiple riders, which helps customers understand their requirements and choose the correct rider.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Photo ID Proof
- Age Proof
- Address Proof
- Medical Records
- Income Proof
Eligibility Criteria of HDFC Term Insurance Plans
To purchase an HDFC term insurance plan in 2025, certain eligibility criteria must be met. Let's understand the eligibility criteria in detail.
Age: A person between the ages of 18 and 65 is eligible to apply for a term life insurance plan. The policyholder’s age is a key factor in the term insurance plan’s premium.
Health condition: Since an HDFC term insurance plan insures the policyholder’s life, most insurance providers require a policyholder to undergo a health examination to determine the current health condition and the inherent risks for the insurer. Be completely honest about your health condition and medical history to avoid issues during claim settlement.
Income: An HDFC term insurance plan has no specified minimum income requirement. However, they might ask you for your bank statement copies and salary slips to determine the coverage on your term plan.
Smoking habits: If you smoke or have been a smoker in the past, you must disclose this information to the insurer. It is because smokers are exposed to severe health hazards like lung cancer.
Citizenship: Indian citizens can buy an HDFC term insurance plan in India in their name. However, NRIs or PIOs can also leverage the benefits of a term insurance plan in India.
Additional Benefits Offered By HDFC Term Plans
HDFC Term Insurance Plans offer various additional benefits to the policyholders.
Income Payouts
Some HDFC Term Insurance Plans such as HDFC Life Click 2 Protect Life also offer an income payout under the Income Plus Option which helps you live a comfortable life with regular income even after the death of the policyholder.
Acceleration of Death Benefit
Acceleration of Death benefit is offered by some HDFC term plans such as HDFC Life Click 2 Protect Super on diagnosis of specified terminal illnesses, till age 80 years.
Spouse Coverage
Some HDFC term plans offer additional cover for your spouse under the same plan, thereby saving additional premiums for you.
Smart Exit Benefit
Some term plans offered by HDFC, such as HDFC Life Click 2 Protect Super provide a Smart exit benefit that helps you get all your premiums back.
No Medical Test Required
Some HDFC term plans such as HDFC Life Term with Return of Premium are offered to the policyholders without the requirement of any medical tests which makes the overall process efficient.
Types of HDFC Life Term Plans
There are various HDFC term insurance plans based on their features. You can choose the one that best suits your requirements.
Basic Term Plan
Plan Name: Plan Name: HDFC Life Saral Jeevan Bima
These plans only provide a sum assured to the nominee in case of the death of the policyholder. No survival benefits are included.
Term Plan with Return of Premium
Plan Name: Plan Name: HDFC Life Term with Return of Premium (TROP)
These plans give the premium amount back to the policyholders only if they survive the policy term.
Increasing Sum Assured Plans
Plan Name: Plan Name: HDFC Life Click 2 Protect Super
These plans help the policyholders level up the sum assured with duties over time.
Term insurance Plans with Income Benefit Plans
Plan Name: Plan Name: HDFC Life Smart Term Pro
Income benefit plans are offered where the nominee opt. for the desired sum assured in monthly installments.
Term Insurance with Waiver of Premium
Plan Name: Plan Name: HDFC Life Click 2 Protect Life
In case the policyholder is diagnosed with a critical illness or disability, future premiums are waived.
How to Buy a HDFC Term Insurance Plan?
Step-by-step guides for the four key moments in your policy lifecycle. Click a tab to switch.
- Visit the PolicyX.com website or the HDFC Term Insurance official website to compare and choose a suitable term plan.
- Enter your personal details such as name, date of birth, gender, annual income, and smoking status to get a customised quote.
- Compare plan options — choose your sum assured, policy term, premium payment term, and any optional riders.
- Fill in the proposal form with your contact details, nominee information, and medical history accurately.
- Upload the required documents: identity proof, address proof, income proof, and recent photographs.
- Pay the first premium online via net banking, UPI, debit/credit card, or cheque.
- Complete the medical examination if required (depends on your age and sum assured).
- Receive your policy document via email and registered post after underwriting approval.
HDFC term insurance made the claim process a convenient and hassle-free procedure. Customers can easily file a claim using both online and offline methods. To raise a claim with the HDFC Life best term insurance plan, the customer needs to follow the below steps:
- The first step is to notify the HDFC term insurance about the incident from any of the given mediums: Sending an email to claims@hdfclife.com OR Calling 1860 267 9999 (Toll-free).
- HDFC Life’s customer support staff will review your claim form and will assist you at every step. Their staff will next evaluate your claim and notify you if any papers are still pending.
- Once you submit all the documents to the HDFC term insurance, you are done from your side. Now, the company will verify all the records from their end. After successful verification, the total sum insured by the policy will be transferred to the nominee's bank account.
- The HDFC term plan claim 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.
- Log in to the HDFC Term Insurance customer portal or the PolicyX.com dashboard before your policy renewal date.
- Review your existing policy details — coverage, premium amount, and nominee information.
- Choose to continue with the same plan or upgrade your sum assured if eligible.
- Pay the renewal premium online via net banking, UPI, debit/credit card, or cheque.
- Download the renewed policy document from your registered email or the insurer portal.
- Visit the official website of HDFC Life.
- Hover over ‘Term Insurance’ and click on ‘View all plans’ under ‘Term Insurance Plans. ’
- Click on ‘Buy Online under the plan you want to buy.
- Enter various details, including your age, occupation, gender, smoking habits, etc.
- Pay the premium and your policy will get started.
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 SinghI 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 VarshneyI'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 MaryI 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 ShahPolicyX 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 RathodI 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 MahajanFrequently asked questions
The 13 most-asked questions about HDFC Term Insurance, answered.
To calculate the HDFC Term Plan Premium, one can use the HDFC Term Insurance Premium Calculator. The calculator will help you estimate how much you need to pay for your insurance policy& 039;s monthly or yearly premiums.
The minimum age limit for purchasing HDFC term insurance is 18 years.
Four different types of term insurance are available: regular term insurance, return of premium plans, 100% return of premium at no cost term plan, whole life insurance policy.
You can check the status of HDFC term insurance plans on Policyx.com and the HDFC portal.
Yes, you can claim tax benefits up to Rs 1.5 lakhs under Section 80 (C) on HDFC term insurance premiums.
Here are the documents needed to purchase HDFC term insurance plans in India: Age proof Address proof Income proof Photo ID
HDFC term insurance plans are a good choice if you want to make sure that your loved ones are financially safe even in your absence.
HDFC 1 crore term insurance is a term plan offered by HDFC Life that offers a 1 crore sum assured in case of the policyholder’s uncertain death during the policy tenure.
HDFC 50 lakh plan offers a sum assured of Rs 50 lakh to the policyholder in case of their uncertain death.
HDFC term insurance with returns provides all your premiums back in case the policyholder survives the policy tenure.
You can make HDFC term insurance premium payments using credit card, debit card, UPI, netbanking, etc.
You can check your HDFC term insurance policy status by visiting the official website of HDFC Life.
Yes, HDFC term insurance is a good choice.
Customer satisfaction
Aggregate ratings from 930 verified PolicyX customers who bought a HDFC Term Insurance plan.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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