{"uin":"101L191V02","name":"HDFC Life Click 2 Invest Plus","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HDFC Life Click 2 Invest Plus is a unit linked non-participating individual life insurance savings plan with Growth, Loyalty and Loyalty Plus plan options. It has a 5-year lock-in, fund switches and partial withdrawals after the lock-in period, and a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:46:28.043395+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Growth","Loyalty","Loyalty Plus"],"display":"Growth, Loyalty and Loyalty Plus","note":null,"quote":"Plan Option Chosen | <<Growth/ Loyalty/ Loyalty Plus>>","sources":[{"clause":null,"heading":"Client ID: <<>>","page":5,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-client-id"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Minimum policy term is 5 years. Maximum policy term is 99 years minus age at entry for the Classic option, and 40 years for other options subject to the maximum maturity age allowed under the selected option.","display":"Minimum: 5 years; maximum: Classic option 99 years minus age at entry, other options 40 years subject to maximum maturity age","note":"Product-level limits are stated in the Policy At A Glance; the policy schedule holds the chosen term for an issued policy.","quote":"Policy Term | Minimum Policy Term: 5 years Maximum Policy Term: • Classic Option- 99 years minus Age at Entry • Other than Classic Option- 40 years ^ ^This will be subject to the Maximum Maturity Age allowed under the selected option.","sources":[{"clause":null,"heading":"Assured","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-assured-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death claims are required to be intimated within 90 days from the date of death. The insurer may condone delay if the delay is proved to be for reasons beyond the claimant's control.","display":"Within 90 days from the date of death; delay may be condoned for reasons beyond the claimant's control","note":null,"quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. However, we may condone the delay in claim intimation, if any, where the delay is proved to be for reasons beyond the control of the Claimant.","sources":[{"clause":"4","heading":"Claim Procedure","page":34,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-4-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original Policy Document","NEFT mandate / discharge voucher","NEFT supporting","KYC documents","Completed claim form, including NEFT details and bank account proof","Original Policy","Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar","Claimant’s identity and residence proof","First Information Report, Police Panchnama report","Postmortem report and Viscera report wherever applicable"],"display":"Original policy, NEFT/discharge and KYC documents for maturity; claim form, death certificate, claimant identity/residence proof, and for unnatural death FIR/panchnama and postmortem/viscera reports","note":"Further documents may be called for depending on circumstances.","quote":"Basic documentation for maturity claims:\na) Original Policy Document\nb) NEFT mandate / discharge voucher\nc) NEFT supporting\nd) KYC documents ... Basic documentation for death claims (if death is due to natural causes):\na) Completed claim form, (including NEFT details and bank account proof as specified in the claim\nform);\nb) Original Policy (original Policy Document is not required for policies in dematerialised form);\nc) Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing Authority);\nd) Claimant’s identity and residence proof. ... e) Original or copy of First Information Report, Police Panchnama report attested by Police authorities; and\nf) Original or copy of Postmortem report attested by Hospital authority, and Viscera report wherever applicable.","sources":[{"clause":"4","heading":"Claim Procedure","page":34,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-4-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS points to an external TAT poster for claim settlement, but the provided clauses do not print the settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Exclusion - In case of death due to suicide within 12 months from the date of commencement of the Policy or from the date of Revival of the Policy, as applicable, the Nominee or the beneficiary of the Policyholder shall be entitled to the Fund Value"],"display":"Suicide within 12 months from commencement or revival is limited to Fund Value, with specified charges added back","note":null,"quote":"Suicide Exclusion - In case of death due to suicide within 12 months from the date of commencement of the Policy or from the date of Revival of the Policy, as applicable, the Nominee or the beneficiary of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death. Further any Charges other than Fund Management Charges (FMC) and guarantee Charges recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"1","heading":"Exclusions","page":34,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Grievance Redressal Officer of HDFC Life at the stated address, helpline or email. If not satisfied or if there is no response within timelines, use the escalation matrix before approaching IRDAI or the Insurance Ombudsman.","display":"Write to the Grievance Redressal Officer, HDFC Life; escalation to Customer Relations Level 1 and Level 2 is provided before IRDAI/Ombudsman","note":null,"quote":"The customer can contact us at any of our touchpoints or write to us at the below mentioned address in case of any complaint/ grievance:\nGrievance Redressal Officer HDFC Life Insurance Company Limited (“HDFC Life”) 11th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011 Helpline number: 022-68446530 (Call charges apply) | NRI Helpline number +91 89166 94100 (Call charges apply) E-mail: service@hdfclife.com | nriservice@hdfclife.com (For NRI customers only) ... The following is the escalation matrix in case there is no response within the prescribed timelines or if you are not satisfied with the response.","sources":[{"clause":"1(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-i-2"},{"clause":"1(x)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-x"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"For single premium policies, the minimum sum assured is 1.25 times single premium for entry age less than 50 years and 1.10 times single premium for entry age 50 years and above. For regular and limited premium policies, it is 7 times annualized premium for entry age less than 50 years and 5 times annualized premium for entry age 50 years and above; there is no maximum limit, subject to BAUP.","display":"Minimum: single pay 1.25x or 1.10x single premium by age; regular/limited 7x or 5x annualized premium by age. Maximum: no maximum limit, subject to BAUP","note":"The issued policy schedule states the chosen Sum Assured.","quote":"For Single Premium policies: For entry age less than 50 years 1.25 x single premium For entry age 50 years and above 1.10 x single premium For Regular & Limited Premium policies: For entry age less than 50 years 7 x annualized premium For entry age 50 years and above 5 x annualized premium ... Maximum Sum | There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-your-policy-at-a-glance"},{"clause":null,"heading":"Assured","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-assured"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"Classic pays the highest of Sum Assured less specified partial withdrawals, Fund Value, or 105% of total premiums paid. Classic Plus pays the higher of Sum Assured plus Fund Value or 105% of total premiums paid; Classic Waiver and Classic Waiver Plus pay the higher of Sum Assured or 105% of total premiums paid, with waiver of future premiums, and Classic Waiver Plus also pays a monthly income benefit.","display":"Classic: highest of SA less partial withdrawals, Fund Value or 105% of total premiums paid. Classic Plus: higher of SA plus Fund Value or 105%. Classic Waiver: higher of SA or 105% plus future premium waiver. Classic Waiver Plus: higher of SA or 105% plus waiver and monthly income benefit","note":"Reduced paid-up policies use the paid-up Sum Assured basis. Top-up death benefit, if any, is also payable as stated in the policy wording.","quote":"i) Classic On a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the highest of:\n• Sum Assured less partial withdrawals (as defined below) or\n• Fund value or\n• 105% of total premiums paid (excluding top up premium) up to the date of death ... ii) 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:\n• Sum Assured plus Fund value or\n• 105% of total premiums paid (excluding top up premium) up to the date of death ... iii) Classic Waiver This option is not available for Single Pay policies.\nOn a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the higher of:\n• Sum Assured or\n• 105% of total premiums paid (excluding top up premium) up to the date of death\nIn addition, future premiums will be waived off by the Company ... iv) Classic Waiver Plus This option is not available for single pay policies.\nOn a valid death claim for a premium paying or a fully paid-up policy, the death benefit shall be the higher of:\n• Sum Assured or\n• 105% of total premiums paid (excluding top up premium) up to the date of death\nIn addition future premiums will be waived off by the Company ... Monthly Income Benefit In addition to the lumpsum and waiver of premium benefit stated above, this option also offers an income benefit.","sources":[{"clause":"1(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-i"},{"clause":"1(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-ii"},{"clause":"1(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-iii"},{"clause":"1(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-iv"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the Life Assured to the maturity date, if the policy is in force, the risk cover ceases and Fund Value plus Return of Mortality Charges, if any, is payable as a lump sum or through settlement option. Top-up Fund Value, if any, is also payable at maturity.","display":"Fund Value plus Return of Mortality Charges, if any, as lump sum or settlement option; Top Fund Value, if any, also payable","note":null,"quote":"Upon survival of the Life Assured till the Maturity Date, subject to Policy being in-force on the Maturity Date of this benefit, the risk cover shall cease and Fund Value plus Return of Mortality Charges (if any) shall be payable to the Policyholder/Assignee. The Policyholder has the following options in respect of Maturity Benefit: ... i) to receive the entire Fund Value as a lump sum amount plus Return of Mortality Charges (if any); or ... ii) to receive the Fund Value plus Return of Mortality Charges (if any) by way of Settlement Option as specified in Part D Clause 8 (Settlement Option).\nTop Fund Value, if any will also be payable at Maturity.","sources":[{"clause":"1(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-f"},{"clause":"1(f)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-f-i"},{"clause":"1(f)(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-f-ii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term options are Single Pay, Limited Pay from 5 years to Policy Term minus 1 year, and Regular Pay.","display":"Single Pay; Limited Pay 5 to (Policy Term -1) years; Regular Pay","note":null,"quote":"Premium Payment | Single Pay Limited Pay: 5 to (Policy Term -1) years Regular Pay\nTerm options | Limited Pay: 5 to (Policy Term -1) years","sources":[{"clause":null,"heading":"Assured","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-assured-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"For the Classic option, the policy term can be 99 years minus age at entry, which implies maturity up to age 99. For options other than Classic, the document states a maximum policy term of 40 years subject to the maximum maturity age allowed under the selected option, but does not print that age.","display":"Classic: up to age 99; other options: 40-year maximum term subject to maximum maturity age allowed","note":"The maximum maturity age for options other than Classic is not printed in the provided clauses.","quote":"Maximum Policy Term: • Classic Option- 99 years minus Age at Entry • Other than Classic Option- 40 years ^ ^This will be subject to the Maximum Maturity Age allowed under the selected option.","sources":[{"clause":null,"heading":"Assured","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-assured-2"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"conflicting","value":"In case of death due to suicide within 12 months from the date of commencement or revival, the nominee or beneficiary is entitled to the Fund Value available on the date of intimation of death. Charges other than Fund Management Charges and guarantee charges recovered after death are added back to that Fund Value.","display":"Suicide within 12 months: Fund Value as on date of intimation of death, plus add-back of charges other than FMC and guarantee charges recovered after death","note":"CIS says: 'the nominee or beneficiary of the policyholder 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.'","quote":"Suicide Exclusion - In case of death due to suicide within 12 months from the date of commencement of the Policy or from the date of Revival of the Policy, as applicable, the Nominee or the beneficiary of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death. Further any Charges other than Fund Management Charges (FMC) and guarantee Charges recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"1","heading":"Exclusions","page":34,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-5"},{"clause":null,"heading":"Policy","page":5,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-policy-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"During the lock-in period, on surrender the Fund Value after applicable discontinuance charges is credited to the Discontinued Policy Fund and proceeds are paid at the end of the lock-in period. After the lock-in period, the policyholder can surrender any time and the Fund Value as on the date of surrender is payable for single premium policies; for other policies after lock-in, proceeds of the Policy Fund are payable.","display":"During lock-in: Fund Value less discontinuance charges moves to Discontinued Policy Fund and is paid at end of lock-in. After lock-in: surrender anytime and Policy Fund/Fund Value is payable","note":null,"quote":"The Policyholder has an option to Surrender any time during the Lock-in Period. Upon receipt of request for Surrender, the Fund Value, after deducting the applicable Discontinuance Charges, shall be credited to the Discontinued Policy Fund. ... The Policy shall continue to be invested in the Discontinued Policy Fund and the proceeds from the Discontinuance Fund shall be paid at the end of Lock-in Period. ... However, the Policyholder has an option to Surrender the Policy anytime and proceeds of the Policy Fund shall be payable. ... In case of Single Premium Policies, the Policyholder has an option to Surrender the Policy any time. Upon receipt of request for Surrender, the Fund Value as on date of Surrender shall be payable.","sources":[{"clause":"1(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-c-4"},{"clause":"1(c)(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-c-ii"},{"clause":"1(a)(vi)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-a-vi"},{"clause":"1(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-b-5"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If a non-single premium policy is discontinued after the lock-in period, it converts into a reduced paid-up policy with paid-up Sum Assured equal to original Sum Assured multiplied by the ratio of total period for which premiums have been paid to the maximum period for which premiums were originally payable. During the lock-in period, on discontinuance due to non-payment, risk cover and rider cover cease.","display":"After lock-in: reduced paid-up with original Sum Assured × paid premium period/original premium paying period. During lock-in: risk cover and rider cover cease","note":null,"quote":"Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of Premium, the Fund Value after deducting the applicable Discontinuance Charges, shall be credited to the Discontinued Policy Fund and the risk cover and Rider cover, if any, shall cease. ... Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of Premium after Lock-in Period, the Policy shall be converted into a reduced paid up Policy with the paid-up Sum Assured as stated under clause 4(B)(a)(2)(ii) of Schedule-I of IRDAI (Insurance Products) Regulations, 2024 i.e., original Sum Assured multiplied by a ratio of “total period for which Premiums have already been paid” to the “maximum period for which Premiums were originally payable”.","sources":[{"clause":"1(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-a-4"},{"clause":"1(a)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-a-i"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is three years from the date of first unpaid premium. On revival, the insurer collects all due and unpaid premiums without charging interest or fee, subject to the policy revival provisions.","display":"3 years from the date of first unpaid premium","note":null,"quote":"The Revival Period for this product is three years from the date of first unpaid premium as per the current regulations. This might change from time to time as specified by the regulations. ... shall collect all due and unpaid Premiums without charging any interest or fee.","sources":[{"clause":"2","heading":"Revival of Discontinued Policies","page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-2-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No loan facility is available under this policy.","display":"No policy loan facility","note":null,"quote":"There is no facility of loan available from us under this Policy.","sources":[{"clause":"10","heading":"Loans","page":21,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-10-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The policy schedule contains rider placeholders, but the provided clauses do not name any available riders.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years, it may be called in question on the ground of fraud, with written communication of grounds and materials.","display":"Cannot be called in question after 3 years; fraud can be questioned within 3 years with written grounds and materials","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... a) the date of issuance of Policy or b. the date of commencement of risk or c. the date of Revival of Policy or\nd. the date of Rider to the Policy whichever is later. (2) On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years","sources":[{"clause":"Section 45","heading":"Policy shall not be called in question on the ground of mis-statement after three years","page":47,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-section-45"},{"clause":"Section 45(a)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-section-45-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be available as per prevailing tax laws, and the policyholder is asked to consult a tax advisor.","display":"Tax Benefits may be available as per prevailing tax laws; consult your tax advisor","note":"From the Policy At A Glance.","quote":"Tax Benefit | Tax Benefits may be available as per prevailing tax laws. You are requested to consult your tax advisor.","sources":[{"clause":null,"heading":"C) Plan Option C: Loyalty Plus","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-c-plan-option-c-loyalty-plus"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the Policy","note":null,"quote":"In case you are not agreeable to any of the provisions stated in the Policy, you have the option to return the Policy to us stating the reasons thereof, within 30 days from the date of receipt of the Policy.","sources":[{"clause":"11","heading":"Free Look Cancellation","page":21,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-11-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days for quarterly/half-yearly/annual basis","note":"Grace period is not applicable for single premium policies.","quote":"The Grace Period of 15 days (where the Premium is paid on a monthly basis) and 30 days (where the Premium is paid in quarterly/half-yearly/annual basis) is available on the Premium due date, to pay the Premium.","sources":[{"clause":"2","heading":"Payment and cessation of Premiums","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-2-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly","single pay"],"display":"Yearly, half-yearly, quarterly, monthly or single pay","note":null,"quote":"Premiums under the Policy can be paid on yearly, half-yearly, quarterly, monthly or single pay basis as per the chosen Frequency of Premium Payment and as set out in the Policy Schedule or as amended subsequently.","sources":[{"clause":"2","heading":"Payment and cessation of Premiums","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-2-2"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited Pay","Regular Pay"],"display":"Single Pay, Limited Pay and Regular Pay","note":null,"quote":"Premium Payment | Single Pay Limited Pay: 5 to (Policy Term -1) years Regular Pay","sources":[{"clause":null,"heading":"Assured","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256#c-assured-2"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 consecutive completed years","note":null,"quote":"“Lock-in Period” means the period of five consecutive completed years from the date of commencement of the Policy, during which period the proceeds of the policies cannot be paid by the insurer to the Policyholder or to the insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy.","sources":[{"clause":"20","heading":"“Lock-in Period”","page":8,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-20"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Diversified Equity Fund - Very High","Blue Chip Fund - Very High","Opportunities Fund - Very High","Balanced Fund - Moderate to High","Bond Fund - Moderate","Discovery Fund - Very High","Equity Advantage Fund - Very High","Flexi Cap Fund - Very High","India Consumption Advantage Fund - High","Top 500 Smart Value 50 Fund - Very High","Dividend Leaders Advantage Fund - Very High","Top 200 Equal weight Fund - Very High"],"display":"Diversified Equity, Blue Chip, Opportunities, Balanced, Bond, Discovery, Equity Advantage, Flexi Cap, India Consumption Advantage, Top 500 Smart Value 50, Dividend Leaders Advantage and Top 200 Equal weight funds, with risk ratings from Moderate to Very High","note":null,"quote":"Diversified Equity Fund SFIN: ULIF05501/08/13DivrEqtyFd101 To generate long term capital appreciation by investing in high potential companies across the market cap spectrum | 0% to 40% | 0% to 40% | 60% to 100% | Very High\nBlue Chip Fund SFIN: ULIF03501/01/10BlueChipFd101 Exposure to large -cap equities & equity related instruments | 0% to 20% | - | 80% to 100% | Very High\nOpportunities Fund SFIN: ULIF03601/01/10OpprtntyFd101 Exposure to mid -cap equities & equity related instruments | 0% to 20% | - | 80% to 100% | Very High\nBalanced Fund SFIN: ULIF03901/09/10BalancedFd101 Dynamic Equity exposure to enhance the returns while the Debt Allocation reduces the volatility of returns | 0% to 20% | 0% to 60% | 40% to 80% | Moderate to High\nBond Fund SFIN: ULIF05601/08/13Bond Funds101 Active Allocation across all fixed income instruments | 0% to 60% | 40% to 100% | - | Moderate\nDiscovery Fund SFIN: ULIF06618/01/18DiscvryFnd101 Long term capital growth by investing predominantly in mid-cap companies. The Fund may invest upto 25% of the portfolio in stocks outside the mid-cap index capitalisation range. Upto 10% of the Fund may be invested in Fixed income instruments, money market instruments, cash, deposits and Liquid mutual Funds. | 0% to 10% | 0% to 10% | 90% to 100% | Very High\nEquity Advantage Fund SFIN: ULIF06723/03/18EqtyAdvtFd101 Long term capital growth through diversified investments in companies across the market capitalisation spectrum. Upto 20% of the Fund may be invested in Fixed income instruments, money market instruments, cash, deposits and Liquid mutual Funds. | 0% to 20% | 0% to 20% | 80% to 100% | Very High ... Flexi Cap Fund SFIN: ULIF07114/07/23FlexiCapFd101 To generate superior long term returns through investment in equities of companies in the large, mid and small cap segments. | 0% to 20% | 0% to 20% | 80% to 100% | Very High\nIndia Consumption Advantage Fund SFIN: ULIF08421/11/25InCnsmAdFd101 To generate long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities that are likely to benefit directly or indirectly from India’s domestic consumption growth story. The fund may use various derivative instruments, as permitted under applicable Regulations, to calibrate the risks in the portfolio. | 0%-20% | 0%-20% | 80%-100% | High\nTop 500 Smart Value 50 Fund SFIN: ULIF08801/06/26SmtVal50Fd101 To generate long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities that are aligned to BSE 500 Enhanced Value Index, subject to IRDAI regulatory requirements. The fund may use various derivative instruments, or any other equity instruments, as permitted under applicable Regulations, to calibrate the risks in the portfolio. | 0%-20% | 0%-20% | 80%-100% | Very High\nDividend Leaders Advantage Fund SFIN: ULIF09004/09/26DivLdrAdFd101 To generate long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities that are aligned to Dividend Leaders Index, subject to IRDAI regulatory requirements. The fund may use various derivative instruments, or any other equity instruments, as permitted under applicable Regulations, to calibrate the risks in the portfolio. | 0%-20% | 0%-20% | 80%-100% | Very High\nTop 200 Equal weight Fund SFIN: ULIF09216/09/26T200EqWtFd101 | 0%-20% | 0%-20% | 80%-100% | Very High","sources":[{"clause":"Appendix 2","heading":null,"page":31,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-appendix-2"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Premium Allocation Charge is Nil.","display":"Nil","note":null,"quote":"(1) Premium Allocation Charge:\nNil.","sources":[{"clause":"1","heading":"Charges","page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Growth has nil policy administration charge for single pay and limited/regular pay. Loyalty charges 0.03% per month of single premium till 25th policy year or 0.25% per month of annualized premium till 25th policy year; Loyalty Plus charges 0.05% per month of single premium from 2nd to 10th policy year or 0.2% per month of annualized premium from 2nd to 10th policy year, capped at Rs 500 per month.","display":"Growth: Nil. Loyalty: 0.03% per month of single premium or 0.25% per month of annualized premium till 25th policy year. Loyalty Plus: 0.05% per month of single premium or 0.2% per month of annualized premium from 2nd to 10th policy year. Cap Rs 500 per month","note":null,"quote":"Policy Administration Charge:\nPlan option | Single Pay | Limited Pay/ Regular Pay\nGrowth | Nil | Nil\nLoyalty | 0.03% per month of the single premium till 25th Policy year | 0.25% per month of the Annualized Premium till 25th Policy Year\nLoyalty Plus | 0.05% per month of the single premium from 2nd policy year till 10th policy year | 0.2% per month of the Annualized Premium from 2nd Policy Year till 10th Policy Year\nThe policy administration charge is subject to the cap of Rs 500 per month.","sources":[{"clause":"1","heading":"Charges","page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-4"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge for all funds other than the Discontinued Policy Fund is 1.35% per annum, taken daily and incorporated into unit prices. For the Discontinued Policy Fund it is 0.50% per annum.","display":"1.35% p.a. for all funds other than Discontinued Policy Fund; 0.50% p.a. for Discontinued Policy Fund","note":null,"quote":"The Fund Management Charge for all Funds other than Discontinued Policy Fund is 1.35% p.a. which will be taken daily and is incorporated into the Unit Prices for each Fund. The Fund Management Charge for Discontinued Policy Fund shall be 0.50% per annum.","sources":[{"clause":"1","heading":"Charges","page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-4"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is the cost of life insurance cover, levied by cancellation of units at the beginning of each policy month from the fund. It is calculated as Sum at Risk multiplied by the appropriate risk benefit charge rate; the annual rates per Rs. 1,000 of Sum at Risk are guaranteed for the policy term.","display":"Monthly cost of life cover by cancellation of units; Sum at Risk × risk benefit charge rate; annual rates per Rs. 1,000 of Sum at Risk are guaranteed","note":"Age-wise rates are printed in Appendix 1.","quote":"This charge is the cost of life insurance cover. It is exclusive of any expense loadings and is levied by cancellation of Units. This charge, if any, shall be levied at the beginning of each policy month from the Fund. Mortality charge is calculated as the Sum at Risk multiplied by the appropriate risk benefit charge rate. ... Annual Mortality Charge Rates per Rs. 1,000 of Sum at Risk ... Mortality Charge Rates stated above are guaranteed for the term of your Policy.","sources":[{"clause":"1","heading":"Charges","page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-1-4"},{"clause":null,"heading":"Annual Mortality Charge Rates per Rs. 1,000 of Sum at Risk","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-annual-mortality-charge-rates-per-rs-1-000-of-su"},{"clause":null,"heading":"Maximum Mortality Charge Rates","page":30,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-maximum-mortality-charge-rates"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Fund switches are allowed among available investment linked funds, subject to applicable charge; the first four fund switch requests in each policy year are free, then Rs 250 per request or Rs 25 through the web portal. Partial withdrawals are allowed any time after the first 5 years if the Life Assured is at least 18 years of age, subject to conditions; the first four partial withdrawal requests in each policy year are free, then Rs 250 per request or Rs 25 through the web portal.","display":"Fund switches allowed; first four per policy year free, then Rs 250 or Rs 25 web. Partial withdrawals after first 5 years and age at least 18; first four per policy year free, then Rs 250 or Rs 25 web","note":null,"quote":"You can ask us to switch the Funds in which your Units are held. ... You may choose any investment linked Fund which is available to this product and which we have not withdrawn or closed. ... You have the option of making Partial Withdrawals at any time after the first 5 years, subject to the following conditions: (1) The Life Assured is at least 18 years of age. ... The Policyholder will not be charged for the first four Fund switch requests in each Policy year. Thereafter, any Fund switch request from the Policyholder 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. ... The Policyholder will not be charged for the first four partial withdrawal requests in each Policy year. Thereafter, any partial withdrawal request from the Policyholder 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.","sources":[{"clause":"3","heading":"Fund Switches","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-3-2"},{"clause":"4","heading":"Partial Withdrawals","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-4-2"},{"clause":null,"heading":"Discontinuance Charges","page":24,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984#c-discontinuance-charges-3"}],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Click 2 Invest Plus- 101L191V02- Policy Bond","pages":47,"fetched_at":"2026-10-17 19:38:05+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-live/HDFC-Life-Click-2-Invest-Plus-101L191V02-Policy-Bond.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6984"},{"kind":"cis","label":"HDFC Life Click 2 Invest Plus- 101L191V02- Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:37:51+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/savings-and-investment-live/HDFC-Life-Click-2-Invest-Plus-101L191V02-Customer-Information-Sheet.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/6971"},{"kind":"cis","label":"HDFC Life Click 2 Invest Plus 101L191V02- Policy At Glance","pages":6,"fetched_at":"2026-10-17 19:49:03+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/unit-linked-plans/HDFC-Life-Click-2-Invest-Plus-101L191V02-Policy-At-Glance.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02/document/7256"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC Life Insurance official website","url":"https://www.hdfclife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.hdfclife.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.hdfclife.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"HDFC Life Click 2 Invest Plus (UIN 101L191V02), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-invest-plus-101l191v02"}