{"uin":"101N190V01","name":"HDFC Life Easy Protect","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HDFC Life Easy Protect has plan options for Terminal Illness with Protection Cover, Accident Total & Partial Permanent Disability, and Accidental Death Benefit. It has no maturity benefit, a 30 day free-look period, and optional Double Benefit and Accident Plus benefits for an additional premium.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:47:08.65978+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":["Plan Option 1: Terminal Illness with Protection Cover","Plan Option 2: Accident Total & Partial Permanent Disability","Plan Option 3: Accidental Death Benefit"],"display":"Plan Option 1: Terminal Illness with Protection Cover; Plan Option 2: Accident Total & Partial Permanent Disability; Plan Option 3: Accidental Death Benefit","note":null,"quote":"Plan Option 1: Terminal Illness with Protection Cover: Coverage for diagnosis of Terminal Illness & death of the Life Assured, up to the Sum Assured opted under this benefit.\nPlan Option 2: Accident Total & Partial Permanent Disability: Coverage of Disability of Life Assured, as described in definition section above, up to the Sum Assured opted under this benefit.\nPlan Option 3: Accidental Death Benefit: Coverage of death of the Life Assured, as described in definition section above, equal to the Sum Assured opted under this benefit.","sources":[{"clause":"1","heading":"Base Benefits","page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-1-3"}],"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":"5 Years to 40 Years.","display":"5 Years to 40 Years","note":"From the sales brochure.","quote":"Policy Period/Term | 5 Years | 40 Years","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7083#c-eligibility-criteria"}],"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":"The claim is required to be intimated within 90 days from the date of death. The insurer may condone delay where the claim is genuine and the delay is proved to be beyond the claimant's control.","display":"Within 90 days from the date of death; delay may be condoned for genuine claims beyond the claimant's control","note":"The printed 90 day deadline is stated for death claims.","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 claim is genuine and the delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"2","heading":"Claim Procedure","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-2-5"}],"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":["Completed claim form, including NEFT details and bank account proof","Original Policy Document","Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar","Claimant’s identity and residence proof","Original First Information Report or Police Panchanama or Police Inquest Report or Post- Mortem Report, if the death occurs due to an accident","Certified copy of Discharge Summary, consultation papers, Investigation reports","Certified copy of Medical Records","Certified copy of disability","Certified copies of MLC/FIR Report","Any other document/ information that the Insurer may decide in the circumstances of a particular case"],"display":"Claim form with NEFT and bank proof, original policy document, death certificate, identity and residence proof, accident police/post-mortem papers where applicable, medical records, disability certificate, MLC/FIR where applicable, and any other document required by the insurer","note":null,"quote":"a) Completed claim form, (including NEFT details and bank account proof as specified in the claim form);\nb) Original Policy Document;\nc) Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing Authority);\nd) Claimant’s identity and residence proof. ... iv) Original First Information Report or Police Panchanama or Police Inquest Report or Post- Mortem Report, if the death occurs due to an accident ... c) Certified copy of Discharge Summary, consultation papers, Investigation reports (If Applicable)\nd) Certified copy of Medical Records (Indoor Case Papers, OT notes, etc. (If Applicable)\ne) Certified copy of disability\nf) Certified copies of MLC/FIR Report (Wherever Applicable) ... h) Any other document that the Insurer may decide in the circumstances of a particular case.","sources":[{"clause":"2","heading":"Claim Procedure","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-2-5"}],"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":"quote-verified","value":"Wellness reimbursement claims are to be processed within 7 working days from the date of raising a claim request. For main death and disability claims, the policy only says settlement will be in accordance with the Master Circular on Protection of Policyholders' Interests, 2024.","display":"Wellness reimbursement: within 7 working days from raising claim request","note":"The 7 working day promise appears under the Wellness reimbursement process; the death/disability claim clause does not print a specific number of days.","quote":"Claims shall be processed within 7 working days from the date of raising a claim request. ... The Company shall settle the claim in accordance with the Master Circular on Protection of Policyholders' Interests, 2024 as amended from time to time.","sources":[{"clause":"4(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-4-b-4"},{"clause":"2","heading":"Claim Procedure","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-2-5"}],"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":["Waiting Period: Not Applicable","In case of death due to suicide within 12 months from the Risk Commencement Date of the policy or from the date of revival of the policy, the Nominee or beneficiary shall get at least 80% of Premiums Paid or Policy Cancellation Value, whichever is higher, provided the Policy is in force","Disability occurs as a result of any pre-existing condition","Disability occurs as a result of participation by the insured person in a criminal or unlawful act","Disability occurs as a consequence of the insured person being under the influence of alcohol, drugs, narcotics or psychotropic substances unless taken as prescribed","Disability occurs as a result of self-inflicted injuries or attempted suicide; while sane or insane","Disability occurs as a result of taking part in naval, military or air force operation during peace time or during service in police, paramilitary or similar organisation","Disability occurs as a result of professional sports or hazardous pursuits","Disability occurs as a result of participation in any flying activity, except as a bona fide fare-paying passenger of a recognized airline","Disability occurs as a result of war, invasion, act of foreign enemy, hostilities, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes","Disability occurs as a result of nuclear or radio-active contamination","Death occurs as a result of participation by the insured person in a criminal or unlawful act","Death occurs as a consequence of the insured person being under the influence of alcohol, drugs, narcotics or psychotropic substances unless taken as prescribed","Death occurs as a result of self-inflicted injuries or attempted suicide; while sane or insane","Death occurs as a result of nuclear or radio-active contamination"],"display":"No waiting period; suicide within 12 months has a limited payout; accident disability/death exclusions include pre-existing condition for disability, criminal or unlawful act, intoxicants, self-inflicted injury or attempted suicide, military/police operations, professional sports or hazardous pursuits, flying other than as a fare-paying passenger, war/civil commotion/strikes, and nuclear or radio-active contamination","note":null,"quote":"In case of death due to suicide within 12 months from the Risk Commencement Date of the policy 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 Premiums Paid till the date of death or the Policy Cancellation Value available as on the date of death whichever is higher, provided the Policy is in force. ... The accidental disability benefit will not be payable in the following situations:\n• Disability occurs as a result of any pre-existing condition.\n• Disability occurs as a result of participation by the insured person in a criminal or unlawful act\n• Disability occurs as a consequence of the insured person being under the influence of alcohol, drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a qualified & registered medical practitioner.\n• Disability occurs as a result of self-inflicted injuries or attempted suicide; while sane or insane\n• Disability occurs as a result of taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organisation.\n• Disability occurs as a result of the person engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to any kind of race; diving or underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping etc.\n• Disability occurs as a result of participation by the insured person in any flying activity, except as a bona fide fare-paying passenger of a recognized airline flying on regular routes and on a scheduled timetable.\n• Disability occurs as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes.\n• Disability occurs as a result of nuclear or radio-active contamination. ... The accidental death benefit will not be payable in the following situations:\n• Death occurs as a result of participation by the insured person in a criminal or unlawful act\n• Death occurs as a consequence of the insured person being under the influence of alcohol, drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a qualified & registered medical practitioner.\n• Death occurs as a result of self-inflicted injuries or attempted suicide; while sane or insane ... • Death occurs as a result of nuclear or radio-active contamination.\nWaiting Period: Not Applicable","sources":[{"clause":null,"heading":"Suicide Exclusion","page":28,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-suicide-exclusion"},{"clause":null,"heading":"Accident Total & Partial Permanent Disability & Accidental Death Benefit","page":28,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-accident-total-partial-permanent-disability-acci"}],"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 or grievances, the customer can contact the Grievance Redressal Officer, HDFC Life Insurance Company Limited, 11th Floor, Lodha Excelus, Mahalaxmi, Mumbai, or any branch; helpline 022-68446530 and email service@hdfclife.com are given.","display":"Grievance Redressal Officer, HDFC Life, 11th Floor, Lodha Excelus, Mahalaxmi, Mumbai; helpline 022-68446530; email service@hdfclife.com","note":null,"quote":"The customer can contact us on the below mentioned address or at any of our branches 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 Help line: 022-68446530 (STD charges apply) E-mail: service@hdfclife.com","sources":[{"clause":"1(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-1-i"}],"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":"Minimum Basic Sum Insured is Rs. 10,000; maximum is subject to BAUP.","display":"Rs. 10,000 minimum; maximum subject to BAUP","note":"From the sales brochure.","quote":"Basic Sum Insured (in INR) | Rs. 10,000 | Subject to BAUP","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7083#c-eligibility-criteria"}],"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":"Under Terminal Illness with Protection Cover, death during the policy term pays a lump sum equal to the highest of the plan option Sum Assured, 10 times Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay, or 105% of Total Premiums Paid under the plan option. Under Accidental Death Benefit, death due to accident pays the highest of the plan option Sum Assured, 7 times Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay, or 105% of Premiums Paid under the plan option.","display":"Terminal Illness with Protection Cover: highest of Sum Assured, 10 times Annualized Premium for Limited/Regular pay or 1.25 times for Single Pay, or 105% of Total Premiums Paid; Accidental Death Benefit: highest of Sum Assured, 7 times Annualized Premium for Limited/Regular pay or 1.25 times for Single Pay, or 105% of Premiums Paid","note":"The first death benefit applies to Plan Option 1; the accidental death benefit applies to Plan Option 3.","quote":"In the unfortunate event of death of the Life Assured during the policy term, a lump sum amount is payable as Death Benefit. The death benefit is highest of:\n• Sum Assured of this plan option or\n• 10 times the Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay or\n• 105% of the Total Premiums Paid under this plan option ... In the event of death due to accident, a lump sum benefit which is the highest of below shall be payable:\n• Sum Assured of this Plan Option or\n• 7 times the Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay or\n• 105% of the Premiums Paid under this plan option","sources":[{"clause":null,"heading":"Plan Option 1: Terminal Illness with Protection Cover","page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-plan-option-1-terminal-illness-with-protection-c"},{"clause":null,"heading":"Plan Option 3: Accidental Death Benefit","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-plan-option-3-accidental-death-benefit"}],"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":"There is no maturity benefit available under this policy.","display":"No maturity benefit","note":null,"quote":"Maturity Benefit: There is no maturity benefit available under this policy.","sources":[{"clause":"5","heading":"Maturity Benefit","page":24,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-5-3"}],"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, Regular Pay for 5 Years to 40 Years, and Limited Pay for 5 Years to 39 years.","display":"Single Pay; Regular Pay 5 Years to 40 Years; Limited Pay 5 Years to 39 years","note":"From the sales brochure.","quote":"Premium paying term | Single Pay\nType of Pay | Minimum | Maximum\nRegular Pay | 5 Years | 40 Years\nLimited Pay | 5 Years | 39 years","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7083#c-eligibility-criteria"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 85 years for Terminal Illness with Protection Cover and 75 years for Accidental Death Benefit and Accident Total & Partial Permanent Disability.","display":"85 years for Terminal Illness with Protection Cover; 75 Years for Accidental Death Benefit and Accident Total & Partial Permanent Disability","note":"From the sales brochure.","quote":"Maturity age (last birthday) | 23 years | 85 years (Terminal Illness with Protection Cover) 75 Years Accidental Death Benefit Accident Total & Partial Permanent Disability","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7083#c-eligibility-criteria"}],"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 death is due to suicide within 12 months from the Risk Commencement Date or revival date, the nominee or beneficiary is entitled to at least 80% of Premiums Paid till death or the Policy Cancellation Value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: at least 80% of Premiums Paid till death or Policy Cancellation Value, whichever is higher, provided policy is in force","note":null,"quote":"In case of death due to suicide within 12 months from the Risk Commencement Date of the policy 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 Premiums Paid till the date of death or the Policy Cancellation Value available as on the date of death whichever is higher, provided the Policy is in force.","sources":[{"clause":null,"heading":"Suicide Exclusion","page":28,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-suicide-exclusion"}],"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":"On surrender, Policy Cancellation Value is payable if acquired. It is acquired immediately for Single Pay, after the end of the first policy year with at least one full year's premium paid for Limited Pay, and no Policy Cancellation Value is payable for Regular Pay.","display":"Policy Cancellation Value: Single Pay immediately; Limited Pay after first policy year if at least one full year premium is paid; Regular Pay no Policy Cancellation Value","note":"The formula printed is PCV Factor% × Total Premiums Paid × Unexpired Policy Term ÷ Original Policy Term, less any benefits already paid out.","quote":"If you surrender the policy, Policy Cancellation Value shall be payable subject to following conditions:\nSingle Pay (SP) | Immediately upon payment of premium ... Limited Pay (LP)) | Upon completion of 1st policy year, provided premiums for at least 1 full year has been paid. ... Single Pay (SP) | Immediately upon payment of premium | 50%\nLimited Pay (LP) | After the end of first policy year, provided at least one full year premium is paid | 30%, if premiums for less than two full years are paid 50%, if at least two full years premiums are paid\nRegular Pay (RP) | No Policy Cancellation Value is payable. | Not Applicable","sources":[{"clause":"2","heading":"Surrender Value","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-2-4"},{"clause":"2(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-2-ii"}],"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":"The policy lapses on discontinuation of premium payment without any paid-up value.","display":"No paid-up value","note":null,"quote":"Your policy lapses on discontinuation of premium payment without any paid-up value.","sources":[{"clause":"3","heading":"Lapse","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-3-4"}],"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 lapsed policy can be revived within 5 years from the first unpaid premium by paying all outstanding premiums with interest and providing satisfactory evidence of good health. The revival fee, if any, is Rs. 250 plus penal interest, and the current compounding rate of interest is 9% p.a.","display":"Within 5 years from first unpaid premium; pay outstanding premiums with interest and provide satisfactory evidence of good health; revival fee Rs. 250 plus penal interest","note":null,"quote":"You can revive your lapsed policy within a period of 5 years from first unpaid premium by paying all the outstanding premiums with interest and providing satisfactory evidence of good health. Revival fee, if any: Rs. 250 plus Penal interest. ... The current compounding rate of interest is 9% p.a.","sources":[{"clause":"4","heading":"Revival of the Policy","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-4-4"},{"clause":null,"heading":"Can you revive your Policy?","page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-can-you-revive-your-policy"}],"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 loans are permissible under this policy.","display":"No loans","note":null,"quote":"No loans are permissible under this Policy.","sources":[{"clause":"6","heading":"Loans","page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-6-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Double Benefit","Accident Plus"],"display":"Double Benefit; Accident Plus","note":"These are optional benefits under the product and require additional premium.","quote":"A. Double Benefit: Benefit amount will be doubled if the Accidental Death or Accidental Total & Permanent Disability occurs under any of the defined terms in Policy.\nB. Accident Plus: This benefit can be opted only with Accident Total & Partial Permanent Disability, if opted, the following benefits will be payable:\nVehicle/Home Modification Benefit Physical/Occupational Therapist benefit ... On choosing any of the below options, as the Policyholder, you will have to pay an additional Premium over and above the Premium amount payable for the base benefit/s","sources":[{"clause":"2","heading":"Optional Benefits","page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-2-3"},{"clause":null,"heading":"Plan Option 3: Accidental Death Benefit","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-plan-option-3-accidental-death-benefit"}],"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 date of issuance, commencement of risk or revival, whichever is later. Within 3 years, it may be questioned for fraud, and for material misstatement or suppression the insurer must communicate the grounds and materials; if repudiation is for misstatement and not fraud, premiums collected are to be paid within 90 days from repudiation.","display":"After 3 yrs, no questioning 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 ... the date of issuance of policy or ... the date of commencement of risk or ... the date of revival of policy or whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... 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":"Section 45","heading":"Policy shall not be called in question on the ground of mis-statement after three years","page":44,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-section-45"},{"clause":"Section 45(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-section-45-a"},{"clause":"Section 45(b)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-section-45-b"},{"clause":"Section 45(c)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-section-45-c"},{"clause":"Section 45(d)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-section-45-d"}],"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":"The policy only states that taxes and levies may be charged and tax may be deducted from payments; it does not state tax benefits.","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":null,"quote":"you 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":"7(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-7-a"}],"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 for quarterly/half-yearly/annual basis; 15 days for monthly basis","note":"Monthly mode has a 15 day grace period; other modes have 30 days.","quote":"A 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":null,"heading":"4. Cover During Grace Period","page":24,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-4-cover-during-grace-period"}],"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":"quote-verified","value":"Entry age is 18 years to 65 years, last birthday.","display":"18 years to 65 years","note":"From the sales brochure.","quote":"Entry age (last birthday) | 18 years | 65 years","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7083#c-eligibility-criteria"}],"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":["Single","Annual","Half-yearly","Quarterly","Monthly"],"display":"Single, Annual, Half-yearly, Quarterly, Monthly","note":null,"quote":"Frequency of Premium Payment | <<Single/ Annual/Half-yearly/ Quarterly/ Monthly >>","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-policy-details"}],"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","Regular","Limited"],"display":"Single Pay, Regular, Limited","note":null,"quote":"Premium Paying Term | <<Limited <> years/ Regular <> years/ Single Pay>>","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-policy-details"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"No return of premium on survival is stated; there is no maturity benefit available under this policy.","display":"No, no maturity benefit","note":null,"quote":"Maturity Benefit: There is no maturity benefit available under this policy.","sources":[{"clause":"5","heading":"Maturity Benefit","page":24,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-5-3"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"Death benefit may be taken as a lump sum, regular monthly income for 10 years, or part lump sum immediately and the balance as regular monthly income for 10 years. The same income or combination options are also printed for accidental death benefit.","display":"Lump sum, regular monthly income for 10 years, or part lump sum and balance regular monthly income for 10 years","note":"The choice can be exercised at claim stage as stated in the policy.","quote":"In lieu of lump sum benefit amount for Death Benefit, the Nominee may opt to receive benefit as: ... i) Regular monthly income payable for 10 years, or ... ii) Part of benefit amount as lump sum immediately on Death and the balance benefit amount as regular monthly income for 10 years. ... In lieu of lump sum benefit amount for Accidental Death, the Nominee may opt to receive benefit as:\ni. Regular monthly income payable for 10 years, or\nii. Part of benefit amount as lump sum immediately on Accidental Death and the balance benefit amount as regular monthly income for 10 years.","sources":[{"clause":null,"heading":"Plan Option 1: Terminal Illness with Protection Cover","page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-plan-option-1-terminal-illness-with-protection-c"},{"clause":"3(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-3-i"},{"clause":"3(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-3-ii"},{"clause":null,"heading":"Plan Option 3: Accidental Death Benefit","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-plan-option-3-accidental-death-benefit"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"Yes. On diagnosis of specified terminal illnesses, the death benefit is accelerated up to a maximum limit as per BAUP; after diagnosis at ages greater than 80 years, the death benefit will not be accelerated, and the acceleration is not an additional benefit.","display":"Yes, accelerated death benefit up to BAUP maximum; not accelerated above age 80; not an additional benefit","note":null,"quote":"On diagnosis of specified terminal illnesses, the death benefit, up to a maximum limit as per Board Approved Underwriting Policy, would be accelerated. In case of diagnosis of terminal illness at ages greater than 80 years, death benefit will not be accelerated. ... The acceleration of Death Benefit is not an additional benefit; it only facilitates an earlier payment of Death Benefit on diagnosis of terminal illness.","sources":[{"clause":"3(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039#c-3-ii"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":"The policy mentions medical examination expenses and applicable medical evidence, but does not state when medical tests are required or at what cover amount.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Easy Protect - Policy Bond UIN - 101N190V01","pages":45,"fetched_at":"2026-10-17 19:40:35+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/health-live/HDFC-Life-Easy-Protect-Policy-Bond-UIN-101N190V01.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7039"},{"kind":"cis","label":"HDFC Life Easy Protect - Customer Information Sheet UIN 101N190V01","pages":12,"fetched_at":"2026-10-17 19:44:23+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/health-live/HDFC-Life-Easy-Protect-Customer-Information-Sheet-UIN-101N190V01.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7146"},{"kind":"brochure","label":"HDFC Life Easy Protect","pages":20,"fetched_at":"2026-10-17 19:42:13+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/brochure-documents-pdfs/health-live/health-easy-protect.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01/document/7083"}],"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 Easy Protect (UIN 101N190V01), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-easy-protect-101n190v01"}