HDFC Life Insurance is being offered by
HDFC Life. HDFC, which is abbreviation for Housing Development Finance
Corporation Limited, is now one of India’s reputed and leading banking and
financial services corporation and its insurance wing HDFC Life is a joint
venture with Standard Life Plc., a U.K. based company.
HDFC Life like
its parent corporation has also established itself as a leader in its own
sphere that is insurance. At present its portfolio includes 27 retail and 8
group products and offers a comprehensive spectrum of individual as well as
group insurance solutions. HDFC Life has now more than 414 branches in more
than 900 cities and towns of India and hence is among one of the most widely
reachable insurance companies of India.
HDFC
Life Insurance offers unparalleled digital platform for all its offers It
has received several awards for its digital solution as well as for its
insurance product solutions. Through this platform customers can access information,
compare various offers, choose products, pay premium and conduct a host of lot
more activities from their online devices.
HDFC Life has introduced a comprehensive package of
insurance plans that suit all types of customer preferences and requirement.
Their
major insurance plans include:
Plan Category
|
Plan Varieties
|
Products
|
Protection
Plans
|
·
HDFC Life Click 2 Protect Plus
|
|
Health
Plans
|
·
Individual Health Plan
·
Senior Citizen Health Plan
·
Critical Illness Insurance
·
Cancer Insurance Plan
|
·
HDFC Life Easy Health Plan
·
HDFC Cancer Care Plan
|
Young
Star Plans
|
·
HDFC Life Young Star Udaan
·
HDFC SL Young Star Super Premium
|
|
Savings
and Investment Plans
|
·
HDFC Life Capital Sheild
·
HDFC Life Click 2 Invest (ULIP)
·
HDFC Life Sanchay
·
HDFC Life Super Income Plan
·
HDFC Life Uday
·
HDFC Life Sampoon Nivesh
|
|
Retirement
Plans
|
·
HDFC Life Assured Pension Plan.
·
HDFC Life Click 2 Retire
|
|
Woman’s
Plans
|
·
HDFC Life Smart Woman Plan.
·
HDFC Life CLIck 2 Protect Plus.
·
HDFC Life Pension Super Plus
|
|
Choosing
a Plan:
While choosing a plan key considerations include personal
requirements, preferences, risk/return appetite, personal capacities and outlay
(including income, salary, employment etc.).
HDFC offers a variety of plans under each category. The
categorization of plans enables better choice decisions.
In order to further facilitate decision making customers
can opt for online as well as offline agent services.
Features
& Benefits:
ü Trusted
and authorized firm and brand with wide online and offline presence.
ü Can
start investing in insurance products even with an amount as less as Rs 1000.
ü Can
conduct all related searches and transactions through online mode.
ü Can
choose from a list of well categorized products.
ü Insurance
products meet various customer needs such as Protection, Pension, Savings &
Investment and Health, along with Children’s & Women’s Plan.
ü Insurance
products include individual as well as group products.
ü Assistance
of E agent can be availed.
Eligibility:
To be eligible for applying for HDFC Life Insurance
products you must be at least 18 years of age and less than 65 years. Also you
should be either salaried, self employed or have your own business.
Inclusions/Exclusions:
HDFC Life Insurance products have a maximum tenure of 40
years and the minimum sum assured is Rs 25 lakhs. There is no limit to maximum
sum assured and is subject to underwriting.
There may be certain exclusions, as for example if the
insured commits suicide within the first twelve months then insurance sum
cannot be claimed.
Documents:
For availing HDFC Life Insurance products certain documents
need to be submitted and these include identity proof, address proof, age
proof, income proof and PAN number. The documents in support of such proof
include PAN card, Aadhar card, passport, birth certificate, matriculation
certificate, salary or income statement, bank statement, gas/electricity bill.
Claim
Process:
For claiming the insurance amount, the insured needs to
submit duly filled in and signed claim intimation form/letter. Thereafter the
title holder or the nominee of the insurance product will receive letter from
HDFC Life stating the list of documents required for claiming insurance sum.
The insured needs to submit all these documents, after which HDFC Life performs
a check upon them and in due course the claimed and approved amount is
released.
No comments:
Post a Comment