HDFC Life Click2Invest - ULIP

An Online unit Linked Insurance plan

HDFC Life Click2Invest - ULIP
11 Investment fund options
Tax savings under sec 80(c) and 10(D) of Income Tax Act, 1961** (Tax laws are subject to change from time to time)
Market linked return along with financial protection
Premium Payment Option Single pay, 5 pay, 7 pay, 10 pay or regular pay

Know more about Click2Invest

  • Flexible Premium payment options of single pay, 5 pay , 7 pay , 10 pay or regular pay
  • Policy Admin Charge Nil.
  • Premium Allocation Charge Nil.
  • Fund Management Charge @ 1.35%
  • Tax Saving
    Under sec 80(c) and 10(D) of income tax act , 1961. Tax laws are subject to change from time to time.
  • 4 free Fund Switches
  • 4 free premium redirections

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Frequently Asked Questions

I am a NRI. Can I Invest in this plan?

NRIs can invest in this plan by filling a mandatory NRI questionnaire.

What is the limited mode of premium pay?

A limited premium payment policy requires you to pay premiums for a term lesser than your policy term.

Is there a loan facility in my policy?

No policy loans are available for this product.

Can I do a partial withdraw from my fund?

You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.

Can I terminate my policy?

You can surrender you policy subject to a lock in period of 5 years. No discontinuance charge is charged in this policy. Please refer to product brochure for more details on discontinuance of premiums and surrender of policy.

For how many years can I stay invested in this plan?

You can choose a policy term of 5 years to 20 years under this plan.

Why is this plan good for me?

HDFC Life Click 2 Invest – ULIP, lets you enjoy market linked returns along with valuable financial protection for your family. This plan has minimal charges which help your fund value grow faster. The key features of this plan are:

  • Minimal Charge Structure
  • Choose from a range of 8 fund options
  • Premium payment options of Single Pay, 5 Pay, 7 Pay, 10 Pay or Regular Pay
  • Policy Term of 5 to 20 years
  • Tax exemption under Sec 80C and Sec 10(10D) of IT Act, 1961

What are the charges applicable for this plan?

HDFC Life Click 2 Invest - ULIP offers a minimal charge structure as stated below:

  • Premium Allocation Charge: Nil
  • Policy Administration Charge: Nil
  • Discontinuance Charge: Nil
  • Fund Management Charge: 1.35% p.a. of the fund value, charged daily
  • Mortality Charge: The amount of the charge taken each month depends on your age and level of cover

In addition, only if you request for partial withdrawal, fund switch and premium redirection a charge of Rs 250 per request or a reduced charge of Rs 25 per request (if executed through the company's web portal) will be charged. First 4 partial withdrawals, 4 fund switches and 4 premium redirections in a policy year are free.

What kind of returns will I get by investing in this plan?

In this policy, the investment risk in investment portfolio is borne by the policyholder. Based on the performance of the funds chosen by you, NAV per unit will be calculated. Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price. Below is a sample illustration for a 30 year old male at an assumed investment return of 8% p.a.

Are there medicals involved to buy this plan?


What is the maximum amount I can invest?

There is no limit on maximum amount that you can invest in this plan, subject to underwriting.

What is the minimum premium that needs to be paid?

Minimum premium amounts for various premium payment frequencies are as follows:

  • Single: Rs. 24,000
  • Annual: Rs. 12,000
  • Half-yearly: Rs. 6,000
  • Quarterly: Rs. 3,000
  • Monthly: Rs. 1,000

Can I surrender this policy?

Yes you can surrender your policy. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.

Can I buy more than one policy?

You can buy more than one policy subject to successful underwriting

How is this plan different from other ULIPs?

HDFC Life Click 2 Invest – ULIP offers:

  • Minimal Charge Structure
  • Premium Payment Term options of single/5 pay/7 pay and regular pay
  • Policy term of 5 to 20 years
  • 8 Fund options
  • Wide entry age range from 0 to 65 years

What is the frequency in which I can invest my money?

Single, Annual, Half-yearly, quarterly or monthly

What are the various fund options in this plan?

There are 8 fund options to choose from in this plan

Fund Details
Equity Plus Fund To generate long term capital appreciation in line or better than Nifty index returns
Diversified Equity Fund To generate long term capital appreciation by investing in high potential companies across the market cap spectrum
Blue Chip Fund Exposure to large-cap equities and equity related instruments
Opportunities Fund Exposure to mid-cap equities and equity related instruments
Balanced Fund Dynamic equity exposure to enhance returns while debt allocation reduces the volatility of returns
Income Fund Higher potential returns due to higher duration and credit exposure
Bond Fund Active allocation across all fixed income instruments
Conservative Fund To invest in high grade fixed income instruments and G-Secs at the short end of the yield curve to deliver stable returns

Can I save tax by investing in this policy?

Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.

What is a settlement option?

Under settlement option, you can also take your fund value at maturity in periodical installments.

How is the Fund Value calculated?

Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.

What do I get at the end of the policy term?

At the end of your policy term i.e. at maturity, you will receive your Fund Value.

What will my family receive in case of my unfortunate demise?

In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following:

  • Sum Assured,
  • Fund Value,
  • 105% of the premium(s) paid.

Is there any protection cover in this plan?

Yes. In case of the Life Assured's unfortunate demise, the nominee will receive the higher of the following:

  • Sum Assured,
  • Fund Value,
  • 105% of the premium(s) paid.



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Harrington Road, Chetpet,
Chennai - 600031, Tamil Nadu,

Corporate office:


Naman Chambers,
C-32, G-Block,
Bandra-Kurla Complex,
Bandra East, Mumbai - 400051,

IDFC FIRST Bank Customers

Toll Free No - 1800 419 4332
Email -

Capital First Customers

Toll Free No - 1860 500 9900
Email - Customer.Care@Capitalfirst.Com


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