HDFC Life Insurance

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Life Insurance

The company is one of the most popular insurance companies in India which is a joint venture between HDFC Ltd. The company is headquartered in Mumbai and has around 373 branches across the country. The company offers various insurance plans, such as term insurance, retirement plans, endowment plan, savings plan, and other plans for women and child. Here are more details about HDFC Life Insurance plans.

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Updated: 29-05-2024 10:08:17 AM

Benefits Of HDFC Life Insurance

The following are some of the benefits of HDFC Life Insurance plans:

  •  Investing in such plans help build corpus for long-term that will help beat inflation, fund for child’s education, marriage, and fulfil other life goals.
  • Ensures financial protection not only for policyholder but also for the family, by providing death benefit that helps in paying rent, supports education, medical emergencies or other financial obligation in case of death of policyholder.
  • Offers life insurance plans at an affordable premium rate over other insurance plans available in the market, thereby making it one of the most preferred options.
  • It comes with multiple options, such as term insurance, retirement plans, savings, ULIP, child plans, and many more.
  • HDFC life Insurance company has a claim settlement ration of 99.39% in 2022-2023 that makes it one of the reliable insurers in the insurance market of the country.
  • Enables users to purchase insurance plans conveniently through online mode, thereby saving time and effort.
  • Offers efficient customer service to support their customers regarding any issue related to purchase of insurance plans, claim settlement, and others.

How to Claim Insurance with HDFC Life Insurance Plan

Following is the procedure to claim insurance with HDFC Life:

  • Step 1: Click on the link and click on ‘Request Claim’. Fill in the form and submit.
  • Step 2: You can use the WhatsApp service to initiate a claim. Click on the link wherein you will find the QR code. Scan it to initiate the claim request. You can also send a WhatsApp message by typing ‘Death claim’ to +91 8291890569.
  • Step 3: You can also visit the HDfC Life branch to request a claim. The claim form can be downloaded from the link here

Documents required to purchase an HDFC policy

The below mentioned documents are required to buy an HDFC policy:

  • Identity proof: Aadhaar card, PAN card, voter ID, driving licence, etc.
  • Income proof: Form 16, passbook, Income Tax Return papers (last three years), etc.Address proof: Electricity bill, water bill, Aadhaar card, etc.

Documents Required to Claim

Following are the documents required when making claims with HDFC Life:

  • Claim form
  • Photograph of the nominee
  • Copy of PAN Card
  • Proof of identity of the nominee
  • Proof of address of the nominee
  • If the nominee is a minor, then the appointee’s documents must be submitted.
  • Death certificate
  • Medical certificate stating the cause of death.
  •  Bank account details for NEFT

In case of Accidental Death:

  • All the documents mentioned above
  • Additional documents as required such as post-mortem report, police inquest report, Panchnama, first and final report, Viscera, or chemical analysis report.

HDFC Life Claim Settlement Ratio

Year Claim Settlement Ratio
2022-23 98.01%
2017-18 97.80%
2016-17 97.62%
2015-16 95.02%
2014-15 90.50%

Documents Required for Purchasing a HDFC Standard Life Insurance Policy

Following are the documents you will require to purchase a life insurance policy from HDFC Life.

  • Identity proof
  • Address proof
  • Income proof
  • PAN Card
  • Self-attested bank passbook copy

How to Check HDFC Standard Life Insurance Policy Status Online

Given below are the steps you will have to follow to check your HDFC Standard Life Insurance Policy status online:

  •   Step 1: Click on the link
  •  Step 2: Click on ‘Track Claim’.
  •   Step 3: Provide details such as your Claim ID, policy number, mobile number, and date of birth.
  •   Step 4: Click on ‘Track’. You will be able to view the status of your Life Insurance Policy application online.

You can visit the nearest HDFC Life Insurance branch and quote your Claim ID and policy number along with other information to check the status of your policy.

HDFC Life Online Payment

If you wish to make HDFC premium payments online instead of going out to a branch of the company, you can do so by visiting the customer service section of the company’s official website and select the Pay Premium Online option after which you will be redirected to a new page. Here, you will have to enter the required details, i.e., your policy number and your date of birth. Then click on the Proceed option and select your payment mode, viz. credit card/debit card/net banking, etc., and make your premium payment. Your payment will then be complete.


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FAQs on HDFC Life Insurance

Yes, there are pension plans offered by HDFC Life where you will receive pension along with insurance cover.

HDFC offers HDFC Life Cancer Care which provides financial protection for both early and major stage of cancer. The plan gives you a waiver on premium for the next 3 years on diagnosis of early cancer. An increased benefit is offered under the gold and platinum options where the sum insured increases by 10% every year.

Yes, you get a 15 day free look period from the date of receipt of the policy within which you can return the policy.

Yes, the policy will lapse if you miss making the premium payment but it can be renewed within 2 years from the date that the policy lapses. There are certain cases when you can turn the policy to a paid-up policy, check the policy document to see if you have that option.

The premium payment frequency will depend upon the kind of policy you select. However, most policies come with the standard annual, semi-annual, quarterly, and monthly premium payment frequencies.

You can visit the official website of HDFC Life Insurance where you will have to log in by providing your log in details and then you can check the status of your life insurance. You can also visit the nearest branch of HDFC Life Insurance to check the status.

Yes, you can use the auto-pay options to pay your HDFC Life premiums.

Yes, you must link your Aadhaar with your HDFC Life Insurance policy which you can do by visiting the HDFC Life website.

To link your Aadhar card with HDFC policy, you need to log into your HDFC account and select ‘Update Aadhar’ option under ‘My Policy’ tab. Submit your Aadhar number and policy number and then click on ‘Submit’ to complete the process of linking your Aadhar with HDFC policy.