Should You Go For HDFC Term Insurance in 2025?

HDFC Life offers a range of comprehensive plans that can secure your family's financial future. With features such as customizable policy terms, a high sum assured, and a strong claim settlement ratio, HDFC Term Insurance stands out as a top choice.

Introduction

When it comes to securing your loved ones' financial future, term insurance is one of the most reliable options available. Among the top players in the Indian insurance market, HDFC Term Insurance stands out due to its strong reputation and comprehensive offerings. But, is it the right fit for you? 

This blog will help you understand its features, benefits, eligibility, and much more, so you can make an informed decision.

Note: The recent removal of GST has significantly improved the attractiveness of term plans, making them even more cost-effective and appealing to potential policyholders.

Not sure which plan suits you best? Book a free call with Ditto and get honest, unbiased advice.

Features and Benefits of HDFC Term Insurance

HDFC offers several term insurance plans that cater to diverse needs and requirements. Here are the key features and benefits:

1) Flexibility in Policy Term: 
The policy term can be as low as 10 years up to your age of 85.

2) Premium Payment Frequency: 
Premiums can be paid on an annual, half-yearly, quarterly, or monthly basis.

3) Premium Payment Term:
Single, Regular, and Limited Pay options are available. 

4) High Sum Assured:
The minimum cover starts from ₹25 lakhs, and the upper limit depends on the underwriting (depending on your age, income, education, etc). 

5) Online Option: 
HDFC offers the convenience of purchasing a term insurance policy online, along with digital discounts to help you save costs.

6) Excellent Performance Metrics:

Note: As HDFC Life is a partner insurer of Ditto, we’ve had a smooth post-sales support and claims experience with them, and the numbers speak for themselves. HDFC Life consistently delivers, with a strong claim settlement ratio that gives us confidence.

If you’d like to learn more about HDFC Life, you can check out our detailed review of it.

Eligibility criteria may vary slightly depending on the specific policy, but our advisors can assist you.

HDFC Term Insurance Plans

Here are HDFC Life’s plan offerings:

1) HDFC Life Click2Protect Supreme

• Ideal for: This plan is perfect for individuals seeking long-term financial security with the reliability of a trusted brand like HDFC Life. It’s an excellent choice for those who want comprehensive coverage but are willing to pay a slightly higher premium.
• Has a minimum sum assured of ₹25 lakh, with no upper limit (subject to underwriting)
• Key Features

1. Terminal Illness Cover: Coverage up to ₹2 crore if two doctors confirm a prognosis of less than 6 months to live.
2. Life Stage Benefit: Free benefit (subject to underwriting approval) that increases coverage to your life events (marriage, childbirth).
3. Premium Break Benefit: You can defer your premiums for a year, without interest and penalty, after 5 policy years, with full coverage intact.
4. Smart Exit Benefit: After 25 policy years, get back all premiums paid if you surrender the policy (available only with certain conditions).

• Premium Comparison
  For this, let us compare the profiles of non-smokers with a sum assured of ₹1 crore, excluding first-year discounts.

2) HDFC Life Click2Protect Ultimate

• Ideal for: this plan caters to salaried professionals with stable, high incomes who want a premium, limited-availability term plan from HDFC Life. It’s designed for individuals seeking high-quality protection with added credibility.
• Has a minimum sum assured of ₹1 crore to a maximum of ₹3 crores.
• Eligibility Criteria

1. Education: Graduate and above only
2. Occupation and Income: Only for salaried individuals earning ₹10 lakh+ annually
3. Availability: Resident Indians from select Tier 1 cities (Ahmedabad, Chennai, Bengaluru, Delhi–NCR, Mumbai, and Pune; limited pin codes)

• Ditto’s Take: We generally do not recommend the Click2Protect Ultimate plan unless specifically requested. While it offers solid protection, it comes with several limitations: higher premiums, limited availability, and limited rider flexibility.

3) HDFC Life Click2Protect Elite Plus

• Ideal for: It primarily targets affluent individuals aged 18–45 years, earning ₹10 lakh or more annually. 
• Has a minimum sum assured of ₹2 crore, up to a maximum of ₹5 crore. 
• Ditto’s Take: This plan offers better conditions for the smart exit option; however, it excludes terminal illness cover and life-stage benefit options, which are present in Click2Protect Supreme.

Ditto’s Take: We highly recommend the HDFC Life Click2Protect Supreme (flagship product) for its all-around protection, comprehensive rider options, and flexible payment & payout structures. While Ultimate and Elite Plus are designed for specific use cases, they are somewhat restrictive.

What Are The Riders available with HDFC Term Insurance?

01

Critical Illness Rider

The critical illness rider covers 60 CI for a maximum duration of 15 years. If you’re diagnosed with any of the listed illnesses, it can serve as an income replacement for your family.

02

Waiver of Premium Rider

The waiver of premium rider covers the same 60 critical illnesses and disabilities. If you’re diagnosed with any of them, your premiums are waived, and the policy continues to cover you.

03

Accidental Income Benefit Rider

In the event of a total and permanent disability due to an accident, you’ll receive 1% of the rider sum assured per month for the next 10 years (from the date of the accident).

The above riders can be added at the time of policy purchase and can significantly increase your protection.

Ditto’s Verdict on HDFC Term Insurance Riders: We recommend opting for the above riders because they provide comprehensive protection against life’s significant uncertainties. 

• The Critical Illness Rider ensures your family’s financial stability during a severe health crisis
• The Waiver of Premium Rider keeps your policy active even if you’re unable to pay premiums due to illness
• The Accidental Income Benefit Rider offers an additional safety net in case of disability. 

Together, these riders make your HDFC term plan more resilient and better aligned with real-life risks.

What Are the Documents Required for Buying an HDFC Term Insurance?

To make the process smooth, you’ll need to provide the following documents: 

• Proof of identity (Aadhar Card, Passport, Voter ID, or Driving License)
• Proof of address (Utility Bill, etc.)
• Passport-sized photographs
• Income proof (Salary slips, ITR, Form 16, or bank statements)
• Medical records (depending on the policy and the applicant’s age).

If you’d like to know about the documents required for term insurance in detail, you can check our comprehensive guide on it.

How To Claim HDFC Term Insurance?

Why Choose Ditto for Term Insurance

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

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You can book a FREE consultation here. Slots are running out, so make sure you book a call now.

Conclusion

In 2025, HDFC Term Insurance remains a top choice for individuals seeking comprehensive, reliable, and flexible life insurance coverage. Whether you're looking for basic coverage or want to add optional riders for extra protection, HDFC offers a range of plans that can suit your specific needs and requirements. By choosing HDFC, you ensure that your family’s financial future is secure, no matter what happens.

Note: HDFC Life’s premiums are slightly on the higher end when compared to peers like ICICI Prudential, Axis Max Life, and Bajaj Life. However, the trust factor and peace of mind make it worthwhile. Moreover, term insurance premiums are locked for the entire tenure, so the impact is minimal in the long run.

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