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Best Overall — Highest Claim Settlement
HDFC Life is a joint venture between HDFC Ltd and Standard Life Aberdeen. Their Click 2 Protect Super plan offers the highest claim settlement ratio in India at 99.7% with no medical test required up to ₹50L.
3 plans available — compare coverage, premium, and key features.
Highest claim settlement ratio in India (99.7%) with flexible payout options — lump sum, monthly income, or combination.
Key Features
Return of Premium variant available — get all premiums back if you survive the policy term.
Key Features
Covers death + disability + disease in a single plan — 3D protection at an affordable add-on cost.
Key Features
Step-by-step claim process for HDFC Life Insurance.
Call 1860-267-9999 or visit hdfclife.com/claims. Nominee should intimate within 90 days of the insured's death.
Submit death certificate, original policy document, nominee ID proof, and bank details online or at any HDFC Life branch.
HDFC Life processes claims within 30 days of receiving all documents. For early claims (within 3 years), additional investigation may be done.
Approved claim amount is transferred directly to nominee's bank account. HDFC Life has 99.7% settlement ratio — fastest in India.
HDFC Life Click 2 Protect Super offers the highest claim settlement ratio (99.7%) with flexible payout options. If you want the most reliable term insurer, this is it.
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Click 2 Protect Super is HDFC Life's flagship online term plan with 99.7% claim settlement ratio. It offers flexible payout options — lump sum, monthly income, or a combination — and coverage up to age 85.
No medical test is required for coverage up to ₹50L. For higher coverage, a simple medical examination is required which HDFC Life arranges at your home or office.
HDFC Life has a claim settlement ratio of 99.7% — the highest among all private life insurers in India as per IRDAI Annual Reports.
Yes — Click 2 Protect Life offers a Life Stage Benefit that allows you to increase your sum assured at key life events like marriage, childbirth, or home loan without fresh underwriting.
If you stop paying premiums, the policy lapses after a grace period of 30 days. You can revive a lapsed policy within 5 years by paying all due premiums with interest.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC Life Insurance website before purchasing.