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HDFC Life Click2Invest ULIP

HDFC Life Click2Invest is an online Unit Linked Insurance Plan (ULIP) with zero policy allocation charges and zero policy administration charges. The fund offers market linked returns and only charges you for mortality risk and managing the fund and invests the rest of the premium. The plan ensures that your investment needs are fulfilled and offers complete financial protection to your family.

Key features:

Listed below are the key features of the plan.

  • Zero allocation charges
  • Zero policy administration charges
  • Sum assured(Single premium)- 125% of the single premium
    Regular and limited premium for entry age less than 55- 10 X annualised premium
    Regular and limited premium for entry age more than 55- 7 X annualised premium
  • Policy term- 5 to 20 years
  • Premium paying term:
    • Single pay
    • Limited pay- 5,7 and 10 years
    • Regular premium- 5 to 20 years
  • It is an ULIP fund
  • It is an individual plan
  • 8 fund options to choose from
  • No discontinuance charges
  • Switching between accounts is permitted
  • There are no loans available for this product


offers various benefits including tax benefits. Listed below are the benefits offered by the plan.

  • Maturity Benefit: The . If you survive till the end of the policy you will get your fund value as maturity benefit.
  • Death Benefit: In case of unfortunate demise of the insured, the nominee will be paid the sum assured, fund value and 105% of the premium paid.
  • 8 kinds of funds to choose from: The insured has the option of choosing among 8 fund options. Listed below are the funds offered by the plan:
    • Equity Plus fund
    • Diversified Equity fund
    • Blue chip fund
    • Opportunities fund
    • Balanced fund
    • Income fund
    • Bond fund
    • Conservative fund
  • Tax Benefits: The plan offers tax benefits under the section 80C and 10D under the Income Tax Act 1961
  • Premiums paid will be reinvested in the fund of your choice
  • Partial withdrawals: The policy allows partial withdrawals after 5 years of the policy
  • Switching between funds: The policy allows the insured to switch to another fund if they wish to. The policy offers 4 free switches every year. It will be charged after the 4 free switches.
  • Premium redirection- The insured can pay premiums into different accounts as per their need.

Eligibility Criteria:

  • Age: Minimum-30 days
    Maximum-65 years
  • Age at maturity: Minimum-18 years
    Maximum-75 years
  • Policy term: 5 to 20 years
  • Minimum premium: Single- Rs.24,00
    Annual- Rs.12,000
    Bi Annual- Rs.6,000
    Quarterly- Rs.3,000
    Monthly- Rs.1,000

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

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