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Home  » Money  » Insurance » HDFC Life Insurance - Click 2 Invest Plan - Conservative Fund
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HDFC Life Insurance - Click 2 Invest Plan - Conservative Fund

NAV on (27 Feb 2026)
20.6764

About Plan

HDFC Life Click 2 Invest is a Unit Linked Plan that offers financial protection for your family with market linked returns.Along with financial protection this plan also offers you a range of investment funds. You canchoose from among 10 fund options to invest your money in.

Objectives

HDFC Life Click2Invest - ULIP is an online Unit Linked Plan in India that offers you market linked returns, charges you minimally, provides your family with valuable financial protection and best meets your investment needs.

Features

Choice of two Plan Options and four Death Benefit Options to suit your investment
and protection requirements
Premium payment options of Single Pay, Limited Pay or Regular Pay
Choose from a range of 10 fund options
Tax benefits may be available as per prevailing tax laws

Loyalty additions to enhance your fund value
This plan is available with limited underwriting norms with a Short Medical Questionnaire (SMQ) if the conditions are met. Otherwise, the plan will be offered through full underwriting.

Benefits

Maturity Benefit:
On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit.

Entry Age Details

Minimum

Classic 0 years (30 days)1
Classic Plus 0 years (30 days)1
Classic Waiver 18 years
Classic Waiver Plus 18 years
Maximum
65 years

Maturity Age Details

Minimum Maturity Age: years. Maximum Maturity Age depends on the Premium Payment Term(PPT)

Policy Term

Minimum
5 years
Maximum
- Classic Option: 99 years minus Age at Entry
- Other than Classic Option: 40 years

Premium Payment Term

Single Pay
Limited: 5 to (Policy Term -1) years
Regular Pay

Premium Details

Minimum
Single: Rs. 24,000
Annual: Rs. 12,000
Half-yearly: Rs 6,000
Quarterly: Rs. 3,000
Monthly: Rs. 1,000
Maximum
No limit, subject to to Underwriting

Sum Assured Details

Fund Value,
105% of the premium(s) paid.
The policy will terminate thereafter and no more benefits will be payable.

Death Benefits

1. Classic

On a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the highest of:

Sum Assured less partial withdrawals (as defined below)

Fund value

105% of total premiums paid (excluding top up premium) up to the date of death

The partial withdrawals to be deducted from the death benefit shall be all partial withdrawals (except from the top-up fund value) made during the two year period immediately preceding the death of the Life Assured

For a reduced paid-up policy, the death benefit shall be the highest of:

Paid up Sum Assured (less partial withdrawals as specified above)

Fund value

105% of total premiums paid (excluding top up premium) up to the date of death

In addition to the death benefit above, Top up death benefit if any, calculated as higher of Top up sum assured and Top up fund value shall also be payable.

Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable.

2. Classic Plus

On a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the higher of:

Sum Assured plus Fund value

105% of total premiums paid (excluding top up premium) up to the date of death

For a reduced paid-up policy, the death benefit shall be the higher of:

Paid up Sum Assured plus fund value

105% of total premiums paid (excluding top up premium) up to the date of death

In addition to the death benefit above, Top up death benefit if any, calculated as higher of Top up sum assured and Top up fund value shall also be payable. Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable.

3. Classic Waiver

This option is not available for Single Pay policies. On a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the higher of:

Sum Assured

105% of total premiums paid (excluding top up premium) up to the date of death

8 HDFC Life Click 2 Invest

In addition, future premiums will be waived off by the Company and on each future premium due date(s), an amount equal to the modal premium, shall be credited to the Policyholders Fund Value after deduction of applicable charges.

For a reduced paid-up policy, the death benefit shall be the higher of:

Paid up Sum Assured

105% of total premiums paid (excluding top up premium) up to the date of death

There will be no waiver of premium benefit for a reduced paid-up policy.

In addition to the death benefit above, Top up death benefit if any, calculated as higher of Top up sum assured and Top up fund value shall also be payable.

Upon the payment of the Death Benefit, the Policy shall continue till maturity but all other benefits and coverage cease to exist thereafter. Upon maturity, the Maturity Benefit shall become payable.

4. Classic Waiver Plus

This option is not available for single pay policies.

On a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the higher of:

Sum Assured

105% of total premiums paid (excluding top up premium) up to the date of death

In addition, future premiums will be waived off by the Company and on each future premium due date(s), an amount equal to the modal premium, shall be credited to the Policyholders Fund Value after deduction of applicable charges.

Maturity Benefits

At maturity you will receive your Fund Value. Fund Value will be calculated by multiplying balance units in your fund by the then prevailing unit price. Your policy matures at the end of policy term you have chosen. All your risk cover ceases at the end of policy term.

Free Look Period

In case you are not agreeable to the any of the policy terms and conditions, you have the option of returning the policy to us stating the reasons thereof, within 15 days from the date of receipt of the policy. The Free-Look period for policies purchased letter along with the original policy documents, we shall arrange to refund you the value of units allocated to you on the date of receipt of request subject to deduction of the proportionate risk premium for the period on cover, the expenses incurred by us on medical examination, if any, and stamp duty. A policy once returned shall not be revived, reinstated or restored at any point of time and a new proposal will have to be made fora new policy.

Premium allocation Charges

Premium allocation charge Nil. 100% of your premiums are invested.

Fund Management Charges

Fund Management Charge 1.35% p.a. of the fund value charged daily.

Mortality Charges

Mortality Charge levied every month for providing you with the death benefit in your policy. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen.

Policy Administration Charges

Policy administration charge Nil.

Switching Charges

There are 4 free switches in each policy year. Subsequent switches, if any, will attract a charge of Rs 250 per request or a reduced charge of Rs 25 per request if executed through the company's web portal. This charge will be levied on switching of monies from one fund to another available fund within the product. The charge per each switch will be levied at the time of effecting the switch.

Partial Withdrawal Charge

There are 4 free partial withdrawals in each policy year. Subsequent partial withdrawals, if any, will attract a charges Rs 250 per request or a reduced charge off 25 per request if executed through the company's web portal. This will be levied on the unit fund at the time of part withdrawal of the fund during the contract period.

Surrender Charges

If you surrender during lock in period, your Fund Value less applicable charges will be moved to the Discontinued Policy Fund and the proceeds from Discontinued Policy Fund will be paid out on the completion of the lock-in period. If you surrender after lock in period, your Fund Value will be paid out to you.
Upon payment of this benefit the policy terminates and no further benefits are payable. Please refer to the policy document for further details on Surrender.

Discontinuance Charge

Discontinuance charge Nil. Please note it is always advisable to pay premiums for the full premium paying term and stay invested for the full policy term in order to enjoy maximum benefits.

General Exclusions

In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policy holder shall be entitled to the fund value, as available on the date of death.Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit.

Returns (as on 27-Feb-2026)

Period Absolute (%) Annualised (%)
1 Week 0.1 0
1 Month 0.6 8.8
3 Months 1.1 4.6
6 Months 2.9 6.1
1 Year 7 7
2 Years 14.3 6.9
3 Years 21.7 6.7
5 Years 29.4 5.2

Claim & Solvency Ratio

Claim Ratio Solvency Ratio
100% (2023-24) 2% (March 2024)

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Frequently Asked Questions About Insurance

Health
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What is health insurance? +
Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It may also provide coverage for other types of health-related costs, such as prescription drugs, mental health services, and preventive care.
Why do I need health insurance? +
Health insurance helps protect you from high medical costs. It provides access to medical care when you need it, helping to pay for doctor visits, hospital stays, surgeries, prescription medications, and other health-related services.
What is a premium? +
A premium is the amount you pay for your health insurance every month. Depending on your plan, the premium may vary based on factors like age, location, and level of coverage.
What is a deductible? +
A deductible is the amount of money you must pay out-of-pocket before your health insurance starts covering your medical expenses. For example, if you have a deductible of $1,000, you must pay $1,000 out-of-pocket before your insurance starts covering your medical bills.
What are copayments and coinsurance? +
Copayment (copay): A fixed amount you pay for a covered health care service, typically when you get the service. Coinsurance: The percentage of the cost you pay for covered health services after you've paid your deductible. For example, if your coinsurance is 20%, you pay 20% of the bill, and the insurance company pays the remaining 80%.
What is an out-of-pocket maximum? +
The out-of-pocket maximum is the maximum amount you can spend on your health insurance. If you exceed this amount, your insurance company will pay 100% of your medical expenses.
What is the difference between in-network and out-of-network providers? +
In-network providers: Health care providers that have a contract with your health insurance plan to provide services at negotiated rates. Out-of-network providers: Providers that don't have a contract with your insurance plan. Services from these providers may cost more or not be covered at all.
What is a Special Enrollment Period (SEP)? +
The Special Enrollment Period (SEP) is a special time during the year when you can sign up for or make changes to your health insurance plan. If you miss this period, you may have to wait until the next one unless you qualify for a Special Enrollment Period (e.g., due to a life event like marriage or having a baby).
Can I keep my doctor with health insurance? +
If you have a preferred doctor, it’s important to check if they are in-network with your insurance plan. If they are not in-network, you may need to pay more out-of-pocket, or you may have to switch to another doctor who is in-network.
What is a Health Savings Account (HSA)? +
A tax-advantaged account for people with high-deductible health plans (HDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.
What is a Flexible Spending Account (FSA)? +
A tax-advantaged account for people with low-deductible health plans (LDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.
What is a Health Maintenance Organization (HMO)? +
An HMO is a type of health insurance plan that requires you to choose a primary care physician (PCP) and get referrals from them to see specialists. HMOs often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers.
What is a Preferred Provider Organization (PPO)? +
A PPO is a health insurance plan that offers more flexibility in choosing healthcare providers and doesn’t require referrals to see specialists. You can see any doctor, but you’ll pay less if you use in-network providers.
What is the difference between a Health Savings Account (HSA) and a Flexible Spending Account (FSA)? +
HSA: A tax-advantaged account for people with high-deductible health plans (HDHPs) The funds roll over from year to year and can be used for qualifying medical expenses. FSA: A tax-advantaged account for people with low-deductible health plans (LDHPs) The funds roll over from year to year and can be used for qualifying medical expenses.
What does the term "pre-existing condition" mean? +
A pre-existing condition is a medical condition that you had before you got your health insurance. It could include things like diabetes, high blood pressure, or heart disease.
Can I cancel my health insurance at any time? +
Yes, you can cancel your health insurance plan at any time. However, if you cancel outside the open enrollment period, you may not be able to get another plan until the next enrollment period unless you qualify for a Special Enrollment Period.
Are prescription drugs covered by health insurance? +
Many health insurance plans cover prescription medications, but the coverage may vary. Plans typically have a formulary, or list of covered drugs, and different drugs may have different levels of coverage, depending on whether they are generic, brand-name, or specialty drugs.
What is preventive care? +
Preventive care includes health services that help prevent illnesses, such as vaccinations, screenings, and annual checkups. Under the Affordable Care Act, most preventive services are covered by health insurance plans at no additional cost to the policyholder.
What should I do if my health insurance claim is denied? +
If your claim is denied, you can appeal the decision. Review the denial letter for reasons, contact your insurer for assistance, and file a written request for a hearing. If you win the appeal, you may be able to get a refund or other compensation.
How can I choose the best health insurance plan for me? +
When selecting a plan, consider factors like: Your health care needs (e.g., frequent visits, prescriptions) The plan’s network of doctors and hospitals The cost of premiums, deductibles, copays, and out-of-pocket maximums Coverage for specialized care or treatments Compare the different plans and benefits to find one that meets your needs.
What happens if I don't have health insurance? +
If you don’t have health insurance, you can still access some health care services, such as emergency care, in-network doctors, and in-network hospitals. You may be eligible for Medicaid, which provides some health care services at no cost to you.
What is life insurance? +
Life insurance is a contract between you and an insurance company, where you pay regular premiums in exchange for a lump sum payment (death benefit) to your beneficiaries upon your death.
What are the different types of life insurance? +
Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). If you pass away during this term, your beneficiaries receive the death benefit. It does not build cash value. Whole Life Insurance: Offers lifetime coverage with a death benefit and also builds cash value over time, which you can borrow against or use. Universal Life Insurance: A flexible policy that allows you to adjust the premiums and death benefit while also building cash value.
How much life insurance coverage do I need? +
The amount of coverage you need depends on factors like your income, debts, family needs, and long-term financial goals. A common rule is to have coverage worth 10 to 15 times your annual income, but this can vary based on your individual situation.
What is the difference between beneficiaries and policyholders? +
The policyholder is the person who owns the life insurance policy and pays the premiums, while the beneficiary is the person or group that receives the death benefit when the policyholder passes away.
Can I change my beneficiaries? +
Yes, you can change your beneficiaries at any time during the life of the policy, as long as the policy is in force and you follow the correct procedure with the insurance company.
What is the contestability period? +
The contestability period is the time during which you have the right to contest the decision of the insurer to pay the death benefit. This period varies depending on the type of life insurance policy and the insurer.
Does life insurance cover accidental death? +
Some life insurance policies include accidental death coverage, while others may require a separate rider for this benefit. Be sure to review your policy to understand what’s covered.
Can I cancel my life insurance policy at any time? +
Yes, you can cancel your life insurance policy at any time, provided you follow the correct procedure with the insurance company.
What is cash value? +
Cash value is the accumulated value of the life insurance policy that can be used to pay for expenses, such as medical bills or funeral expenses.
How do I borrow against cash value? +
You can borrow against the cash value of your life insurance policy, but it will need to be repaid, and any unpaid loan will reduce the death benefit.
What is the difference between whole life and universal life insurance? +
Whole life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and builds cash value over time. Universal life insurance offers lifetime coverage with a death benefit and also builds cash value over time.
How are life insurance premiums determined? +
Life insurance premiums are based on factors like age, health, lifestyle (e.g., smoking), coverage amount, and type of policy. Generally, younger, healthier individuals pay lower premiums.
Can I borrow money from my life insurance policy? +
If you have a whole life or universal life policy, it may build cash value over time. You can borrow against this cash value, but it will need to be repaid, and any unpaid loan will reduce the death benefit.
What happens if I stop paying my life insurance premiums? +
If you stop paying premiums, your policy may lapse. For permanent policies like whole or universal life, the cash value may cover the premiums for a time, but eventually, if premiums are not paid, the policy will end.
What is auto insurance? +
Auto insurance is a contract between you and an insurance company that provides financial protection against damage or injury caused by accidents, theft, or other incidents involving your vehicle. It covers both liability and your vehicle's repair costs depending on the type of policy.
What types of auto insurance coverage are available? +
There are several types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and additional coverage like roadside assistance and collision damage waiver.
How much auto insurance do I need? +
The amount of coverage you need depends on factors such as the value of your car, your driving habits, your state's legal requirements, and whether you own or lease your vehicle. A good starting point is to meet your state's minimum required coverage, but you may want additional coverage for added protection.
Can I cancel my auto insurance policy at any time? +
Yes, you can cancel your auto insurance policy at any time, provided you follow the correct procedure with the insurance company.
What is the difference between liability and comprehensive coverage? +
Liability coverage covers the damages and injuries caused by accidents, while comprehensive coverage also covers non-accident damages, such as theft or vandalism.
How do I choose the right auto insurance policy? +
When selecting an auto insurance policy, consider factors such as the type of coverage you need, your driving habits, the value of your vehicle, and your state's legal requirements.
What factors affect my auto insurance premium? +
Several factors impact your insurance premium, including: Your driving history (accidents, tickets), The make, model, and age of your car, Your location (accident rates in your area), Your age, gender, and marital status, The level of coverage you choose, Your credit score (in some states).
What is a deductible? +
A deductible is the amount you must pay out of pocket before your insurance policy starts to cover the remaining cost of repairs or claims. For example, if you have a $500 deductible and incur $2,000 in damages, you will pay $500, and your insurer will pay the remaining $1,500.
What is the difference between comprehensive and collision coverage? +
Collision coverage pays for repairs to your vehicle after a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage covers non-collision incidents, such as theft, vandalism, or damage from natural disasters.
Can I get uninsured/underinsured motorist coverage? +
Yes, uninsured/underinsured motorist coverage is available in some states. This coverage provides financial protection for you if another driver is uninsured or underinsured.
Is auto insurance required by law? +
Yes, in most states, you are required to have a minimum level of liability insurance. Some states also require additional coverage like Personal Injury Protection (PIP) or uninsured motorist coverage. The requirements vary by state, so it’s important to check your local laws.
What happens if I don’t have auto insurance? +
If you drive without insurance, you risk facing legal penalties, fines, and the possibility of your driver's license being suspended. If you're involved in an accident, you could be held responsible for the damages.
Can I add other drivers to my auto insurance policy? +
Yes, you can add other drivers, such as family members or friends, to your policy. However, their driving record and age may affect your premium. It's important to inform your insurer about all the drivers in your household.
What should I do if I get into an accident? +
If you're in an accident, follow these steps: Ensure safety by moving to a safe location if possible. Call the police and file a report. Exchange contact and insurance information with the other driver(s). Take photos of the accident scene, vehicle damage, and injuries. Notify your insurance company about the accident as soon as possible.
What is home insurance? +
Home insurance is a contract between you and an insurance company that provides financial protection against damage or loss caused by natural disasters, theft, or other incidents.
What types of home insurance coverage are available? +
There are several types of home insurance coverage, including flood, fire, burglary, and liability. You may also have coverage for water damage, mold, and other property damage.
How much home insurance do I need? +
The amount of home insurance coverage you need depends on the value of your property, the type of coverage you want, and your insurance provider. You may also need additional coverage for water damage, mold, and other property damage.
Can I cancel my home insurance policy at any time? +
Yes, you can cancel your home insurance policy at any time, provided you follow the correct procedure with the insurance company.
What is the difference between flood and fire coverage? +
Flood coverage covers damage caused by floods, while fire coverage covers damage caused by fires.
How do I choose the right home insurance policy? +
When selecting home insurance, consider factors such as the type of coverage you need, the value of your property, and your insurance provider.
What factors affect my home insurance premium? +
Factors such as the type of coverage you need, the value of your property, and your insurance provider can significantly impact your premium.
Can I cancel my home insurance policy at any time? +
Yes, you can cancel your home insurance policy at any time, provided you follow the correct procedure with the insurance company.

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