How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

Does HDFC Quick Protect cover accidental death?

Yes, HDFC Quick Protect covers accidental death through the Accidental Death Benefit rider. It provides an additional sum assured in case of accidental death.

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OneAssure

Term Insurance

HDFC Quick Protect

Compare HDFC Quick Protect benefits, exclusions, ratings and related variants in one place.

1.87

Solvency

99.68%

ICR

9.64%

Growth

170,495.02

AUM

Policy Brochure

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Our Verdict

HDFC Quick Protect Review: Our Verdict

Final Verdict

HDFC Life QuickProtect is ideal for individuals seeking all-in-one coverage for life, accidental death, disability, and critical illness. With no medical exams required, it's convenient but lacks maternity benefits. Best suited for salaried professionals and families prioritizing financial security.

About

What Is HDFC Quick Protect?

HDFC Life QuickProtect is a comprehensive insurance solution that offers protection against death, disease, and disability. It combines multiple benefits into one plan, including life cover, accidental death benefit, critical illness cover for 19 specified illnesses, and income benefit on accidental total permanent disability. Policyholders can choose from three sum assured options: ₹75 lakh, ₹1 crore, and ₹1.25 crore. In the event of accidental total permanent disability, the plan provides a regular monthly income equal to 1% of the rider sum assured for the next 10 years. Additionally, the plan offers quick issuance without the need for medical examinations, subject to underwriting.

About Company

About HDFC Life Insurance Co. Ltd

HDFC Life Insurance is one of India’s most trusted private life insurance companies, established in 2000 as a partnership between HDFC Ltd. and Abrdn (formerly Standard Life Aberdeen). Headquartered in Mumbai, it offers a wide variety of insurance products, including term plans, retirement solutions, child education plans, savings and investment plans, health insurance, and ULIPs (Unit Linked Insurance Plans). HDFC Life’s plans provide both financial protection and wealth-building opportunities, helping individuals and families secure their future. Known for its high claim settlement ratio and digital-first services, the company focuses on simplicity, flexibility, and affordability.

Testimonials

HDFC Life Insurance Co. Ltd Customer Testimonials

Customer feedback and experiences.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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Inclusions and Exclusions

HDFC Quick Protect Inclusions and Exclusions

Zero Cost Option

HDFC Life offers a Zero Cost Term Insurance option, which allows policyholders to receive a return of basic premiums paid upon survival until the end of the policy term.

Total Permanent Disability Payout

"Waiver of Premium on TPD" option (often called a rider), and you become totally and permanently disabled, all future premiums under the policy will be waived.

Premium Payment Customizations

HDFC Life offers a range of premium payment frequencies to suit your needs. You can choose to pay your premiums annually, half-yearly, quarterly, or monthly, based on your financial convenience.
Flexibility to Change: You can usually change your premium payment frequency later on, often on a policy anniversary. This allows you to adapt to changes in your financial situation.

Exclusions

Suicide within 12 months refunds premiums instead of full benefits.
Pre-existing diseases diagnosed within 36 months are not covered.
Self-inflicted injuries, including suicide attempts, are not covered.
Illnesses from alcohol or drug use are not covered.
War-related illnesses and injuries are not covered.

Add ons

HDFC Quick Protect Add-Ons and Riders

Accidental Death Benefit

Critical Illness Plus Rider

HDFC Quick Protect Related Variants

Future Generali Express Term Life Plan

Go Digit Micro Term Insurance

IProtect Smart Life

Claim Process

HDFC Quick Protect Claim Settlement Process

Steps and flow followed by the insurer.

Term Cover Calculator

HDFC Quick Protect Insurance Premium Calculator

Our insurance experts are here to help you make the right choice with personalized recommendations.

Term Cover Calculator

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How to Buy

How to Buy HDFC Quick Protect

Purchase flow from OneAssure.

Things to Remember

Keep KYC documents and nominee details ready before purchase.

Renewal

HDFC Quick Protect Renewal

Renewal steps and key points.

FAQs

HDFC Quick Protect FAQs

Got questions about HDFC Quick Protect? You’re not alone. Here are some of the most commonly asked questions to help you understand this term life plan, coverage, claims, and benefits better.