Quick Overview

If you want a quick and convenient way to complete your HDFC Life term insurance renewal, you can do it online through the insurer’s official website or mobile app. Simply log in to your customer portal and pay the premium using net banking, credit/debit card, or UPI. For offline renewal, visit the nearest HDFC Life branch and pay in cash or by cheque. Just remember to renew your policy within the applicable grace period (15 or 30 days) to ensure your life cover stays active without any interruption.

Renewing your HDFC Life term insurance policy is one of the simplest ways to ensure your family’s financial protection stays uninterrupted. HDFC Life offers multiple flexible renewal options to suit every policyholder, regardless of whether they prefer online or offline methods.  The best part? The entire process takes just a few minutes when you know exactly where to go and what to do.

In this blog, we’ll walk you through everything you need to know about HDFC Life term insurance renewal to keep your policy active without any hassle.

Need clarity on renewal steps or policy benefits? Talk to Ditto for unbiased, completely free advice.

About HDFC Life Insurance

HDFC Life Insurance, founded in 2000 as a joint venture between HDFC and Standard Life (now Abrdn), is India’s first private-sector life insurer and a publicly listed company with HDFC Bank as the majority stakeholder. The insurer reported a strong FY 2024–25 performance with a 99.71% claim settlement ratio, one of the industry’s lowest complaint volumes (1 per 10,000 claims), and an annual business volume of ₹33,365.3 crore.

Its flagship term plan, HDFC Life Click 2 Protect Supreme, along with a digital-first service model and extensive branch network, reinforces its position as one of India’s most trusted life insurance providers.

HDFC Life Insurance: Official Contact Details

CategoryDetails
Customer Care / Helpline022-68446530
WhatsApp Support+91 8291890569
Email Supportservice@hdfclife.comnriservice@hdfclife.com (For NRIs)
WebsiteHDFC Life Customer Service

How to Complete HDFC Life Term Insurance Renewal Online 

Renewing your HDFC Life Term Insurance policy online is the quickest and most hassle-free way to keep your coverage active.

1. Official Website

To renew your HDFC Life Term Insurance policy through the official website, visit www.hdfclife.com and click on the “Pay Premium” or “Login” option available at the top-right corner.

HDFC Life Term Insurance Renewal
    • You can sign in using your Policy Number and Date of Birth, which may be followed by OTP verification. 
    • Once logged in, navigate to the “Pay Premium / Renewal” section, select the policy due for renewal, and complete the payment using Net Banking, UPI, Debit Card, or Credit Card.
    • After the payment is successful, you can instantly download your premium renewal receipt. A copy is also automatically shared with your registered email ID and mobile number. 

2. Mobile App

You can also renew your policy through the HDFC Life Mobile App, available on both Android and iOS:

    • Once you download the app, log in using your registered mobile number or policy details.
    • Select the term insurance policy due for renewal, choose your preferred payment method, and complete the transaction within minutes. 
    • The digital receipt is generated instantly and stored within the app for future reference. 

If you purchased your HDFC Life term plan through Ditto, you can easily reach out to our team for help. We’ll guide you through every step of the renewal process since HDFC Life is one of our partner insurers.

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How to Complete HDFC Life Term Insurance Renewal Offline 

If you prefer face-to-face support or need assistance while renewing, HDFC Life also offers simple offline renewal options:

1. Renew at the Nearest HDFC Life Branch

    • You can walk into any nearby HDFC Life branch to renew in person. 
    • A customer service representative will help you review your policy details, clarify benefits, and answer any questions you may have about your term plan or riders.
    • You can make the renewal payment using cash, cheque, demand draft, or card. 
    • Once the payment is processed, the branch will provide a printed acknowledgement/receipt confirming that your HDFC Life term insurance renewal has been completed successfully.
HDFC Life Term Insurance Renewal

To find the nearest branch, visit the official contact page and scroll down to the ‘Branch Locator’ section. 

2. Renew Through Customer Support

If you prefer remote assistance, you can reach out to HDFC Life’s customer care team via their toll-free helpline or email. 

    • Keep your policy number, date of birth, and registered mobile number/email ID ready for quick verification.
    • The support executive will walk you through the renewal steps, explain payment options, and guide you through completing your HDFC Life term insurance renewal without visiting a branch.

Pro Tip: Consider Setting Up Auto-Debit

  • Enable NACH, Standing Instruction, or ECS to ensure premiums are automatically debited on the due date.
  • You can register the mandate online through My Account → Quick Mandate Registration or submit a physical mandate at your nearest branch.
  • Once activated, your premiums will be automatically paid each cycle, significantly reducing the risk of policy lapse.

HDFC Life Term Insurance Renewal Grace Period

If you miss your premium due date, HDFC Life provides a grace period, an additional window of time during which you can pay your premium without losing your policy benefits. Your coverage stays active throughout this period, and you can renew your policy without any late fees or penalties.

The duration of the grace period depends on your payment frequency:

Premium Payment ModeGrace Period
Annual, Half-yearly, or Quarterly30 Days
Monthly15 Days

Important Reminder: Your life cover remains in force during the grace period. If a claim arises, HDFC Life will still pay the death benefit to the nominee after deducting any outstanding premiums. However, if you fail to make the payment before the grace period ends, your term insurance policy will lapse, and coverage will stop.

Why Choose Ditto for Term Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Aaron below love us:

HDFC Life Term Insurance Renewal
    • No-Spam & No Salesmen
    • Rated 4.9/5 on Google Reviews by 15,000+ happy customers
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    • 100% Free Consultation

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Conclusion

HDFC Life term insurance renewal is a simple yet crucial step to keep your family’s financial protection uninterrupted. Since different policyholders are comfortable with different types of payment methods, HDFC Life offers multiple renewal options to suit your convenience. Make sure to pay your premium within the grace period to avoid any break in coverage. If you purchased your policy through Ditto, our team is always available to guide you through every process.

Frequently Asked Questions

How can I renew my HDFC Life Term Insurance policy online?

You can renew it through the official HDFC Life website or the HDFC Life mobile app by logging in with your policy details and completing the payment via UPI, Net Banking, or Debit/Credit Card.

Can I renew my HDFC Life term policy after the due date?

Yes. You can still renew during the grace period, 30 days for annual, half-yearly, or quarterly premiums, and 15 days for monthly premiums.

What happens if I don’t renew my term insurance within the grace period?

Your policy will lapse, and coverage will stop. You may need to undergo medicals or meet reinstatement conditions to reactivate the policy. In the worst case, you may have to purchase a new policy, which will likely involve a premium increase.

Can I renew my policy offline?

Absolutely. You can visit any HDFC Life branch or contact customer support for assistance with offline renewal and payment.

Will my family receive the death benefit if the insured passes away during the grace period?

Yes. The insurer will pay the death benefit to the nominee after deducting the premium that was due at the time of death.

How can I revive a lapsed HDFC Life term policy?

You must submit a revival request, pay all overdue premiums along with the applicable interest, and provide proof of insurability if required (such as a health declaration or medical tests). Revival is subject to HDFC Life’s underwriting approval and must be completed within the policy’s revival period, which is typically up to 5 years from the first unpaid premium. If not revived within this period, the policy will terminate permanently.

Does my premium remain the same for every renewal?

Yes. Term insurance premiums are locked in from the moment you purchase a policy. The first-year premium may include some discounts, but the premiums remain unchanged from the second year onwards.

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