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HDFC Standard Term Insurance Plans

HDFC Standard Life Insurance Company

HDFC Standard Life Insurance Co. Ltd., (HDFC Life) is one of the topmost players in the insurance market. Launched in the year 2000, HDFC Life is a partnership between HDFC Ltd., one of India’s biggest housing finance institution and Standard Life, a global long term investment savings player. They have joined hands to provide customers with a range of insurance and investment products covering categories such as Protection, Pension, Savings, Investments, Health, Children and Women! With such a diverse portfolio, the company strives to meet individual protection and wealth-enhancing needs and provide customized financial solutions for everyone.

HDFC Life Term Plan

Term Insurance offered by the company is a comprehensive insurance plan designed to offer complete protection with wide range of cover options as well as features to ensure your family is assured of financial stability even in your absence.

Term Plan Offered By HDFC Standard Life Insurance Company, With Features, Benefits And Eligibility

HDFC Life Click 2 Protect Plus


  • Plan offers four different life cover options for maximum protection
  • Option to increase life cover at important stages of life to meet financial needs
  • Flexibility to choose policy term
  • Options available for premium payment term as single pay, regular pay and limited pay
  • Discount on premium for living healthy life
  • Riders available to enhance insurance coverage


  • Death benefits: Death benefit under for different premium payment term is defined as:
    1. For single premium policy, it is the higher of 125% of single premium or sum assured
    2. For regular premium policy, it is the higher of 10 times the annualized premium or 105% of all premiums as paid on the date of death or sum assured
  • Four life cover options are:
    1. Life Option: Death benefit is paid as a lumpsum amount
    2. Extra Life Option (Accidental Death Benefit): In case policy holder dies due to an accident, death benefit is paid as lumpsum along with extra sum assured
    3. Income Option: At the time of death, 10% of sum assured shall be paid to the nominee and balance amount will be paid as monthly income over a period of 15 years
    4. Income Plus Option: The nominee shall receive 100% of sum assured at the time of death of the policyholder and 0.5% of sum assured in arrears will be paid as monthly income over the next 10 years. The monthly income can be chosen as level or increasing at 10% p.a.
  • Life Stage Protection Feature is part of Life Option under which the insured has an option to increase life cover at important stages of life like marriage, child birth etc. and that too without any medical test
  • Policy term can be selected from10 to 40 years as per one’s financial goals
  • Non-tobacco users given discount on premiums
  • Income Tax benefit available under section 80C and section 10 (10) D of the Income Tax Act


Entry Age Min: 18 years | Max: 65 years
Maturity Age Min: 28 years | Max: 75 years
Policy Term Min: 10 years | Max:40 years
Premium Paying Term : Regular, Limited or Single
Premium Payment Frequency Yearly, half-yearly, quarterly or monthly
Sum Assured Min: Rs. 25 lakh | Max: No limit


The insured can avail of these riders by paying a little bit of extra premium:

  • HDFC Life Income Benefit on Accidental Disability Rider: This offers a monthly income of 1% of rider sum assured for a fixed term of 10 years in case the insured suffers total permanent disability due to an accident
  • HDFC Life Critical Illness Rider: The insured is paid rider sum assured on being diagnosed with any of the 19 critical illnesses