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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
HDFC Life is one of India's top term insurance companies, known for providing high-quality insurance products and ...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 · 924 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.
1+ 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.
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 lif...
Unique Features
- High Life Cover
- Terminal Illness Benefit
- 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 standardized IRDAI-approved features, making it simple, transparent, and easy...
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 a very high life cover, smart exit (premium return), flexible payouts, and rider options...
Unique Features
- Smart Exit Benefit
- Free-look period
- Policy revival
HDFC Life Sanchay Legacy
'HDFC Life Sanchay Legacy' is a comprehensive term plan offering early ROP benefits with increasing death cover. Most of your prime days are spent wor...
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 complete...
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, as t...
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 |
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 924 verified PolicyX customers who bought a HDFC Term Insurance plan.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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