HDFC Life Insurance Company Limited भारत की अग्रणी प्राइवेट जीवन बीमा कंपनियों में से एक है। HDFC Life अपने टर्म इंश्योरेंस, कैंसर केयर प्लान और इन्वेस्टमेंट प्लान के लिए जानी जाती है।
HDFC Life Overview: 2000 में स्थापित, 4 करोड़+ पॉलिसीधारक, HDFC Bank समूह की कंपनी, क्लेम सेटलमेंट रेशियो 98.5%
HDFC Life Insurance Products 2026
1. HDFC Life Click 2 Protect (Term Insurance)
भारत का सबसे लोकप्रिय टर्म इंश्योरेंस प्लान:
Click 2 Protect Life
- Cover Amount: ₹50 lakh to ₹10 crore
- Entry Age: 18-65 years
- Policy Term: 5-40 years
- Options:
- Life Option: Basic death benefit
- Life Plus: Increasing cover
- Life & Health: Critical illness cover
- Income Option: Monthly income to family
| Cover (₹ Crore) | Age 25 (Annual) | Age 30 (Annual) | Age 35 (Annual) |
|---|---|---|---|
| ₹50 Lakh | ₹5,000 | ₹6,500 | ₹8,500 |
| ₹1 Crore | ₹8,500 | ₹11,000 | ₹15,000 |
| ₹2 Crore | ₹15,000 | ₹20,000 | ₹28,000 |
*Indicative premiums for healthy non-smoker male, Life Option, 30-year term
Click 2 Protect Super
- Higher cover amounts available
- Additional riders for accidental death, disability
- Waiver of premium on critical illness
2. HDFC Life Cancer Care
कैंसर के लिए विशेष सुरक्षा योजना:
- Sum Assured: ₹10 lakh to ₹50 lakh
- Age: 18-65 years
- Benefits:
- Early Stage Cancer: 50% of Sum Assured
- Major Stage Cancer: 100% of Sum Assured
- Premium waiver on diagnosis
- Guaranteed monthly income option
- Premium: Starts at ₹1,500/year for ₹10 lakh cover
3. HDFC Life Sanchay Plus
Savings + Insurance plan:
- Guaranteed returns
- Life cover
- Tax benefits under 80C and 10(10D)
- Maturity benefit options
4. HDFC Life ProGrowth Plus
ULIP (Unit Linked Insurance Plan):
- Market-linked returns
- Life cover
- Fund switching options
- Flexible premium payment
HDFC Life vs HDFC ERGO
Important Distinction:
- HDFC Life: Life insurance (term, cancer care, ULIPs, endowment)
- HDFC ERGO: General insurance (health, motor, travel, home)
Both are HDFC Group companies but offer different products.
| Aspect | HDFC Life | HDFC ERGO |
|---|---|---|
| Company Type | Life Insurance | General Insurance |
| Health Insurance | Cancer Care, Critical Illness riders | Full health insurance (Optima) |
| Term Insurance | Click 2 Protect series | Not available |
| Investment Plans | Available (ULIPs, Sanchay) | Not available |
| Motor Insurance | Not available | Available |
Why Choose HDFC Life?
Advantages:
- ✅ 98.5% claim settlement ratio (FY 2023-24)
- ✅ Part of trusted HDFC Group
- ✅ Online purchase with instant policy
- ✅ Low premiums for term insurance
- ✅ Extensive agent network
- ✅ Easy claim process
Things to Consider:
- Not a standalone health insurance company
- Cancer Care is not comprehensive health insurance
- For full health coverage, consider HDFC ERGO or other health insurers
HDFC Life Claim Process
For Death Claims:
- Notify HDFC Life within 30 days
- Submit death certificate and policy documents
- Claim form filled by nominee
- Investigation (if any)
- Claim settlement to nominee's account
For Cancer Care Claims:
- Diagnosis report from recognized oncologist
- Submit claim form with medical reports
- Biopsy/pathology reports
- Claim processed within 30 days
HDFC Life Customer Care
- Toll-Free: 1800-266-9777
- Email: service@hdfclife.com
- Website: www.hdfclife.com
- WhatsApp: 9999929999
Our Recommendation
| Requirement | Recommended Product |
|---|---|
| Pure term insurance (income replacement) | HDFC Life Click 2 Protect |
| Cancer-specific cover | HDFC Life Cancer Care |
| Full health insurance | HDFC ERGO Optima or Star Health |
| Savings + Insurance | HDFC Life Sanchay Plus |
| Investment + Insurance | HDFC Life ProGrowth Plus (ULIP) |
Contact Sampurn Insurance
HDFC Life और अन्य बीमा योजनाओं के लिए संपर्क करें:
- Phone: +91-9425051306
- Offices: Indore & Dhamnod
- Services: Term Insurance, Health Insurance, Cancer Care, Investment Plans
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