{"uin":"101N186V07","name":"HDFC Life Click 2 Achieve","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2023-11-02","withdrawn_on":null,"summary":"HDFC Life Click 2 Achieve is an individual non-linked non-participating savings life insurance policy with Smart Student and Dream Achiever plan options. The death benefit is based on the highest of the sum assured on death, 105% of total premiums paid and surrender value on the date of death, with a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:06:13.535665+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":["Smart Student","Dream Achiever"],"display":"Smart Student; Dream Achiever","note":null,"quote":"Plan Option | <<Smart Student / Dream Achiever>>","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-policy-details"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has only a placeholder: Policy Term | <<>> years.","quote":null,"sources":[],"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 must be intimated within 90 days from the date of death. WOP CI, WOP TPD or Juvenile CI claims must be intimated with all necessary claim documents within 60 days from the date of diagnosis of the condition; delay may be condoned if beyond the claimant's control.","display":"Death: within 90 days from death; WOP CI/WOP TPD/Juvenile CI: within 60 days from diagnosis","note":"The insurer may condone delay where the claim is genuine or the delay is proved to be beyond the claimant's control.","quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. ... The claim is required to be intimated to us along with all necessary claim documents required within 60 days from the date of diagnosis of the condition.","sources":[{"clause":"6","heading":"Claim Procedure","page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-6-3"}],"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","Bank Account Proof","KYC documents","Completed claim form","Original Policy","Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar","Claimant’s identity and residence proof","Original or copy of First Information Report, Police Panchnama report","Original or copy of Post-mortem report","Any medical reports by the family physician/doctor relevant to Critical Illness or TPD or Juvenile CI"],"display":"Original policy, claim form, KYC/address/age/NEFT details, bank proof, death certificate, claimant identity and residence proof, FIR/panchnama and post-mortem for unnatural death, and relevant medical reports for CI/TPD/Juvenile CI","note":"The list is indicative; the insurer may call for additional documents or further requirements.","quote":"Basic documentation for maturity claims: o Original Policy document o NEFT mandate / discharge voucher o Bank Account Proof o KYC documents ... Basic documentation if death is due to Natural Cause: a) Completed claim form, (including NEFT details and bank account proof as specified in the claim\nform); b) Original Policy; c) Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing authority); d) Claimant’s identity and residence proof. ... e) Original or copy of First Information Report, Police Panchnama report attested by Police authorities; and f) Original or copy of Post-mortem report attested by Hospital authority. ... The documents considered for processing a claim (For WOP CI or WOP TPD or Juvenile CI) are: a) KYC / Address Proof / Age proof / NEFT details b) Claim form c) Original Main Policy Document d) Any medical reports by the family physician/doctor relevant to Critical Illness or TPD or Juvenile CI","sources":[{"clause":"6","heading":"Claim Procedure","page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-6-3"}],"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":null,"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":["death of the life assured due to suicide within 12 months","Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy","Any Pre-existing Disease or any complication arising therefrom","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","intentional self-injury, suicide or attempted suicide","foreign invasion, act of foreign enemies, hostilities, warlike operations","ionizing radiation or contamination by radioactivity","Congenital External Anomalies, inherited disorders","participation as a professional in hazardous or adventure sport","Participation by the Insured Person in any flying activity, except as a bona fide, fare paying passenger","unproven/ experimental treatment","committing or attempting to commit a breach of law with criminal intent"],"display":"Suicide within 12 months and exclusions for CI/TPD/Juvenile CI such as non-covered illnesses, pre-existing disease, alcohol or drug abuse, intentional self-injury, war, nuclear risks, congenital conditions, professional hazardous sports, non-passenger flying, experimental treatment and criminal acts","note":"For suicide within 12 months, the policy pays at least 80% of total premiums paid or surrender value, whichever is higher, if the policy is in force. Other listed exclusions apply to the CI, TPD and Juvenile CI benefits.","quote":"In case of death of the life assured due to suicide within 12 months from the Risk Commencement Date or from the date of revival of the policy ... Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy; • Any Pre-existing Disease or any complication arising therefrom. ... Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Any Critical Illness caused due to intentional self-injury, suicide or attempted suicide ... Any Critical Illness caused by or arising from or attributable to a foreign invasion, act of foreign enemies, hostilities, warlike operations ... Any Critical Illness caused by ionizing radiation or contamination by radioactivity ... Congenital External Anomalies, inherited disorders ... participation as a professional in hazardous or adventure sport ... Participation by the Insured Person in any flying activity, except as a bona fide, fare paying passenger ... Any Critical Illness caused by any unproven/ experimental treatment ... Any Critical Illness caused by treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","sources":[{"clause":"4","heading":"Suicide Exclusions","page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-4-4"},{"clause":"1.1","heading":"Permanent Exclusions","page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-1-61"},{"clause":"1.1(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-1-b"}],"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":"For complaints, the customer can contact HDFC Life touchpoints or write to the Grievance Redressal Officer at HDFC Life Insurance Company Limited, 11th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400011, or use the stated helpline or email. If not satisfied or if there is no response within the prescribed timelines, the policy gives escalation to Customer Relations and then IRDAI or the Insurance Ombudsman.","display":"First contact HDFC Life Grievance Redressal Officer; escalation to Customer Relations, then IRDAI/Ombudsman if not satisfied","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: case of any complaint/ grievance:\nGrievance Redressal Officer Grievance Redressal Officer HDFC Life Insurance Company Limited HDFC Life Insurance Company Limited 11th Floor, Lodha Excelus, Apollo Mills Compound, 11th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011 ... 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":41,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i"},{"clause":"1(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-ii"}],"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 Smart Student, Sum Assured on Death is 10 times Annualised Premium. For Dream Achiever, the wording says the Sum Assured on Death at inception is available in the schedule; no minimum or maximum amount is stated in the extracted documents.","display":"Smart Student: 10 times Annualised Premium; Dream Achiever: Sum Assured on Death at inception in the schedule","note":"No product-level minimum or maximum life cover is stated in the extracted documents.","quote":"Where, Sum Assured on Death shall be 10 times of Annualised Premium. ... Where, Sum Assured on Death at inception is available in schedule of this document","sources":[{"clause":"1(I)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i-c"},{"clause":"1(II)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-ii-c"}],"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":"For Smart Student, on death during the policy term with all due premiums paid, the death benefit is the highest of Sum Assured on Death, 105% of total premiums paid, or surrender value on the date of death; Sum Assured on Death is 10 times Annualised Premium. For Dream Achiever, on death during the policy term with all due premiums paid, the death benefit payable as lumpsum is the highest of Sum Assured on Death, 105% of total premiums paid, or surrender value on the date of death.","display":"Highest of Sum Assured on Death, 105% of Total Premiums paid, or Surrender Value on date of death; Smart Student Sum Assured on Death is 10 times Annualised Premium","note":"Upon payment of the death benefit, the policy terminates and no further benefits are payable.","quote":"I) Smart Student: (1) Death Benefit – On death of the Life Assured during the Policy Term and provided that all Premiums which have fallen due have been paid, the Death Benefit payable shall be highest of: ... a) Sum Assured on Death or ... b) 105% of Total Premiums paid or ... c) Surrender Value on date of death.\nWhere, Sum Assured on Death shall be 10 times of Annualised Premium. ... II) Dream Achiever:\n1) Death Benefit – On death of the Life Assured during the Policy Term and provided that all Premiums which have fallen due have been paid, the Death Benefit payable as lumpsum shall be the highest of: ... a) Sum Assured on Death or ... b) 105% of Total Premiums paid or, ... c) Surrender Value on date of death.","sources":[{"clause":"1","heading":"Benefits","page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-3"},{"clause":"1(I)(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i-a"},{"clause":"1(I)(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i-b"},{"clause":"1(I)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i-c"},{"clause":"1(I)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i-c-2"},{"clause":"1(II)(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-ii-a"},{"clause":"1(II)(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-ii-b"},{"clause":"1(II)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-ii-c"}],"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":"Smart Student has no maturity benefit payable. Dream Achiever pays the Sum Assured on Maturity chosen at inception if the Life Assured survives to the maturity date and all due premiums have been paid; the policyholder can also choose an income benefit for the Income Term starting on the policy maturity date.","display":"Smart Student: no maturity benefit; Dream Achiever: Sum Assured on Maturity, with optional income benefit","note":null,"quote":"(3) Maturity Benefit – There is no maturity benefit payable. ... 3) Maturity Benefit – On survival of the Life Assured till the Maturity Date and provided that all Premiums which have fallen due have been paid, the Maturity Benefit payable shall be the Sum Assured on Maturity as chosen by the Policyholder at inception. Additionally, the Policyholder can choose to receive an income benefit for the duration of Income Term, which starts on policy maturity date.","sources":[{"clause":"1(I)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-i-c"},{"clause":"1(II)(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-ii-c"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has only a placeholder: Premium Paying Term | <<>> years.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured dies by suicide within 12 months from the risk commencement date or from the date of revival, as applicable, the nominee or beneficiary is entitled to at least 80% of total premiums paid till the date of death or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: at least 80% of total premiums paid or surrender value, whichever is higher","note":null,"quote":"In case of death of the life assured due to suicide within 12 months from the Risk Commencement Date or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or surrender value available as on the date of death, whichever is higher, provided the policy is in force.","sources":[{"clause":"4","heading":"Suicide Exclusions","page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-4-4"}],"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":"The policyholder may surrender during the policy term. The surrender benefit is the higher of GSV and SSV; GSV is acquired on payment of at least the first 2 years’ premiums, and SSV is payable after completion of the first policy year provided one full year premium has been received.","display":"Higher of GSV and SSV; GSV after first 2 years’ premiums, SSV after first policy year with one full year premium received","note":"GSV factors vary by policy year as set out in the policy table.","quote":"The Policyholder may surrender the policy during the Policy Term.\nThe Surrender Benefit will be higher of GSV (Guaranteed Surrender Value) and SSV (Special Surrender Value).\nThe policy shall acquire a Guaranteed Surrender Value (GSV) upon the payment of at least first 2 (two) years’ premiums. ... Special Surrender Value (SSV) shall become payable after completion of first policy year provided one full year premium has been received","sources":[{"clause":"1","heading":"Surrender Value","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-4"}],"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 due premium remains unpaid after the grace period and the policy has acquired a surrender value, the policy becomes paid-up. Paid-up value is In-force value × number of premiums paid ÷ total number of premiums payable, adjusted for any extra survival benefits paid, and the minimum death benefit for a reduced paid-up policy is at least 105% of total premiums paid till death.","display":"Becomes paid-up after grace period if surrender value acquired; paid-up value = in-force value × premiums paid ÷ premiums payable","note":"If the policy has not acquired a surrender value, it lapses and no benefits are payable.","quote":"If any due Premium is unpaid upon the expiry of the grace period and your Policy has acquired a Surrender Value, your Policy’s status will be altered to paid-up status.\ncalculated as follows:\nPaid-up value = In-force value × Number of premiums paid ÷ Total Number of premiums payable\nThe reduced paid-up benefits will be adjusted for any extra survival benefits paid before the policy is made reduced paid-up. The minimum death benefit for a reduced paid-up policy shall be at least 105% of total premiums paid till the date of death.","sources":[{"clause":"2","heading":"Lapsed Policies and Paid-Up policies","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-2-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued policy can be revived on receipt of all premiums due and other charges or late fee, subject to continued insurability and underwriting. The application for revival should currently be made within five years from the due date of the first unpaid premium and before expiry of the policy term.","display":"Within five years from the due date of the first unpaid premium","note":"Revival is subject to receipt of all premiums due and other charges/late fee and the insurer being satisfied as to continued insurability.","quote":"Currently, the application for the revival should be made within five years from the due date of the first unpaid Premium and before the expiry of the Policy Term. The current rate of interest is 9.5% p.a.","sources":[{"clause":"3","heading":"Revival of the Policy","page":30,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-3-4"}],"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":"Policy loans are available during the policy term subject to the company's terms and conditions. The current terms state that the loan amount is subject to a maximum of 80% of surrender value and the current interest rate on loan is 9.50% p.a.","display":"Available; maximum 80% of surrender value; current interest 9.50% p.a.","note":"Loan outstanding with interest is deducted before benefits are paid; foreclosure rules differ for in-force or fully paid-up policies and other policies.","quote":"Policy loans will be available during the policy term subject to such terms and conditions laid down by the Company from time to time. Our current terms and conditions are stated below:\n• The loan amount will be subject to a maximum of 80% of the surrender value. ... The current interest rate on loan is 9.50% p.a.","sources":[{"clause":"8","heading":"Loans","page":31,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-8-2"}],"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 blank rider placeholders but does not name any rider.","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 3 years from the latest of policy issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud or material misstatement, with written communication of the grounds and materials; for non-fraud misstatement, premiums collected till repudiation are to be paid within 90 days.","display":"After 3 years: not called in question on any ground; within 3 years: fraud or material misstatement rules apply","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":50,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-1-8"},{"clause":"2","heading":null,"page":50,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-2-8"},{"clause":"6","heading":null,"page":50,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-6-5"},{"clause":"7","heading":null,"page":50,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-7-5"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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","note":"Refund is subject to deduction of proportionate risk premium for the period on cover, medical examination expenses and stamp duty charges.","quote":"the policyholder shall have the option of returning the policy to us stating the reasons thereof, within 30 days from the date of receipt of the policy whether received electronically or otherwise.","sources":[{"clause":"9","heading":"Free Look Cancellation","page":31,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-9-2"}],"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":30},"display":"30 days; 15 days for monthly premium payment","note":"15 days applies where premium is paid monthly; 30 days applies for quarterly, half-yearly or annual payment. Grace period is not applicable for Single Premium.","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/halfyearly/annual basis) is available on the premium due date, to pay the premium.","sources":[{"clause":"3","heading":"Payment and cessation of Premiums","page":27,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-3-3"}],"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"],"display":"Yearly, half-yearly, quarterly or monthly","note":null,"quote":"Premiums under the Policy can be paid on yearly, half-yearly, quarterly or monthly basis as per the chosen Frequency of Premium Payment and as set out in the Policy Schedule or as amended subsequently.","sources":[{"clause":"3","heading":"Payment and cessation of Premiums","page":27,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257#c-3-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Click 2 Achieve - 101N186V09 Policy Bond","pages":50,"fetched_at":"2026-10-17 19:38:15+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-live/HDFC-Life-Click-2-Achieve-Policy-Bond-V09.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/6980"},{"kind":"wording","label":"HDFC Life Click 2 Achieve - 101N186V08 Policy Bond","pages":50,"fetched_at":"2026-10-17 19:46:59+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-withdrawn/HDFC-Life-Click-2-Achieve-Policy-Bond-V08.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7215"},{"kind":"wording","label":"HDFC Life Click 2 Achieve - Policy Bond","pages":50,"fetched_at":"2026-10-17 19:49:05+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-withdrawn/HDFC-Life-Click-2-Achieve-Policy-Bond-07.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7257"},{"kind":"wording","label":"HDFC Life Click 2 Achieve - Policy Bond","pages":51,"fetched_at":"2026-10-17 19:53:15+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/savings-and-investment-withdrawn/HDFC-Life-Click-2-Achieve-Policy-Bond1.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7340"},{"kind":"cis","label":"HDFC Life Click 2 Achieve - Customer Information Sheet","pages":4,"fetched_at":"2026-10-17 19:38:01+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/savings-and-investment-live/HDFC-Life-Click-2-Achieve-Customer-Information-Sheet-V09.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/6974"},{"kind":"cis","label":"HDFC Life Click 2 Achieve - Key Feature Document","pages":4,"fetched_at":"2026-10-17 19:46:21+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/conventional-plans/HDFC-Life-Click-2-Achieve-Key-Feature-Document-V09.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7201"},{"kind":"brochure","label":"click 2 achieve dream achiever leaflet","pages":2,"fetched_at":"2026-10-17 19:56:37+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/products-page/leaflet-pdf/click-2-achieve-dream-achiever-leaflet.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7434"},{"kind":"brochure","label":"click 2 achieve smart student leaflet","pages":2,"fetched_at":"2026-10-17 19:56:41+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/products-page/leaflet-pdf/click-2-achieve-smart-student-leaflet.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7435"},{"kind":"brochure","label":"click 2 achieve dream achiever leaflet V09","pages":2,"fetched_at":"2026-10-17 19:56:45+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/products-page/leaflet-pdf/click-2-achieve-dream-achiever-leaflet-V09.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7437"},{"kind":"brochure","label":"click 2 achieve smart student leaflet V09","pages":2,"fetched_at":"2026-10-17 19:56:49+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/products-page/leaflet-pdf/click-2-achieve-smart-student-leaflet-V09.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07/document/7438"}],"versions":[{"uin":"101N186V01","version":null,"approved_on":null},{"uin":"101N186V09","version":null,"approved_on":null},{"uin":"101N186V08","version":null,"approved_on":null},{"uin":"101N186V07","version":null,"approved_on":null}],"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 Achieve (UIN 101N186V07), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-achieve-101n186v07"}