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HDFC Life Insurance Claim Settlement

HDFC Life Insurance Claim Settlement Ratio is an important metric that shows how effectively HDFC Life Insurance Company processes and settles claims made by its policyholders. This ratio indicates the percentage of insurance claims settled by the company against the total number of claims received in a specific financial year.

A higher Claim Settlement Ratio (CSR) generally indicates that the insurance company has successfully fulfilled its obligations towards policyholders by settling a larger proportion of claims successfully. This is a crucial percentage because it reflects the reliability and trustworthiness of the insurer in meeting its commitments to customers during tough times.

Claim settlement Ratio of HDFC Life Insurance

With a claim settlement ratio of 99.39% for the fiscal year 2022–2023, HDFC Life Insurance is an outstanding firm that shows its strong dedication to meeting its policyholder commitments. This percentage shows that HDFC Life Insurance processed insurance claims with a high degree of dependability and efficiency, having resolved almost all of the claims it received during that time.

Financial Year

Insurer Name


FY 2022-23

HDFC Life Insurance


This exceptional ratio is a positive indicator for both existing and potential policyholders, as it underscores the insurer's track record of honoring claims promptly and fairly.

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HDFC Life Insurance Claim Initiation

If you are confused about how to initiate the claim process for HDFC Life, then we have got you covered. The following sections will help you understand the claim filing process.

How to File a Claim?

Follow the steps below to proceed with filing a claim with HDFC Life Insurance Company:

Step 1: Contact HDFC Life

The first step is to get in touch with HDFC Life Insurance. You can call their customer support helpline or email them to inform them about your intention to file a claim. Also, if you have purchased your policy through InsuranceDekho, you can even contact us to help you initiate the claim process.

Step 2: Submit Required Documents

Make sure to gather all necessary paperwork, such as the filled claim form, policy documents, medical reports (if applicable), death certificate (in case of a life insurance claim), and any other relevant documents.

Step 3: Fill Out the Claim Form

You will need to complete a claim form provided by HDFC Life. This form will ask for important details about the policyholder, the nature of the claim, and supporting information. Ensure that all sections of the claim form are filled accurately and completely.

Step 4: Submit the Claim Form

Once you have filled out the claim form and gathered all required documents, submit them to HDFC Life through the designated channels.

Step 5: Follow Up

After submitting your claim, stay in touch with HDFC Life to track the progress. You can inquire about the status of your claim by contacting the customer support team.

Details to be Filled in the HDFC Life Claim Form

The claim form provided by HDFC Life will typically require the following details:

  • Policyholder Information: Name, address, contact details, policy number, and other personal information.

  • Nature of Claim: Specify whether it's a death claim, maturity claim, critical illness claim, etc.

  • Claimant Details: The claimant or the nominee must provide the necessary details.

  • Claim Circumstances: Describe the circumstances surrounding the claim, such as the event leading to the claim (e.g., death, illness, etc.).

  • Supporting Documents: Attach all necessary documents as per the requirements outlined by HDFC Life.

Claim Process of HDFC Life Insurance

The step-by-step claim process of HDFC Life Insurance is as follows:

Step 1: Immediately inform the insurance company about the incident by sending an email, calling them, or visiting their official branch.

Step 2: If you are filing the claim online, verify your policy details. For offline claims, download the claim form, fill it out completely, and sign it.

Step 3: If filing online, submit the life-assured details. For offline claims, gather all necessary supporting documents required for your claim.

Step 4: If you are claiming online and are the nominee, submit nominee details along with the claim form. For offline death claims, simply submit the required documents to the insurer.

Step 5: The claim management team will review and evaluate the submitted documents in accordance with your HDFC Life Insurance policy terms and conditions.

Step 6: If any further documents are needed to process your claim, the insurer will notify you promptly.

Step 7: Once all required documents are received and verified, your claim amount will be settled within the specified timeframe.

How to Check the HDFC Life Insurance Claim Status?

The different ways in which you can check the status of your HDFC Life Insurance claim are mentioned below:


Step 1: Go to the Claim Online page of HDFC Life Insurance.

Step 2: Now, press the “Start Online Claim” button.

Step 3: On the next page, tap on the “Track Claim” option.

Step 4: To proceed with checking the claim status, enter details like your Claim ID, Policy Number, Claimant Mobile Number, DOB of Life Assured, etc.

Step 5: Once you enter all the details, hit the “Track” button and you will be able to see the current status of your HDFC life insurance claim.


To check the claim status offline, you can contact HDFC Life Insurance on their helpline number 022-68446530 or you can even visit the insurer’s branch office in your area.

Alternate Method

If you have purchased your HDFC Life Insurance policy through InsuranceDekho, you can even contact us at 755 1196 989 or send us an email at and we will help you know the status of your claim request by connecting with HDFC Life.

HDFC Life Insurance Claim Settlement Time

Getting your insurance claim processed quickly can be a relief, especially during difficult times. HDFC Life offers a unique feature called the 1-Day Claim Settlement, where policyholders can have their claims settled within just 24 hours.

Conditions for 1-Day Claim Settlement

  • This feature applies to claims for policies that have been active for over 3 years.

  • All necessary documents must be submitted, and no further investigation should be required.

  • Once the claim request is approved, the settlement process will be completed within the specified timeframe.

Tips to Get Your Claim Settlement Faster

One can follow the following tips in order to get the claim settled faster:

  • Provide Accurate Information: When filing a claim, make sure that all information you provide is accurate and complete. Mistakes or missing details can delay the claim settlement process.

  • Submit Required Documents Promptly: Be proactive in submitting all necessary documents requested by the insurance company. This includes claim forms, medical reports, receipts, and any other relevant paperwork.

  • Follow Up Regularly: Stay in touch with your insurance provider to check the status of your claim. Follow up regularly through phone calls or emails to ensure your claim is being processed.

  • Be Transparent and Truthful: Always be honest and transparent while filing your claim. Providing false information can lead to complications and delays.

  • Understand Your Policy: Make sure you familiarise yourself with the terms and conditions of your life insurance policy. Knowing what is covered and what isn't can prevent misunderstandings and speed up the claim process.

Seek Assistance if Needed: If you encounter difficulties or delays, don't hesitate to reach out to customer service or escalate the matter to higher authorities within the insurance company.

HDFC Life Insurance Claim Assistance & Support

At InsuranceDekho, we are committed to assisting and supporting our valued HDFC Life Insurance policyholders throughout their insurance journey. Whether you have questions about your policy or need assistance with filing a claim, our dedicated team is here to help you efficiently.

To contact us, use any of the following ways:

  • Call Us: For immediate assistance, you can reach out to our customer support team at 755 1196 989. Our helpline is available 24/7, excluding national and gazetted holidays. Feel free to contact us anytime, day or night, and our representatives will be ready to assist you with your inquiries or claims-related concerns.

  • Email Us: You can also get in touch with us through email at Send us an email detailing your query or claim request, and our team will provide the necessary information.

Life Insurance News

User Reviews

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What users are saying
  • All
  • Supportive team

    Insurancedekho helped me understand the importance of a joint life insurance plan for both me and my wife. Based on their recommendation, we bought HDFC Life Insurance. Their advice has come in handy, and now we enjoy the benefit of safety it provides. Thank you so much, team. 

    By Karthick arjuna
    On: Jun 21, 2024
  • Happy with Customer Support

    InsuranceDekho helped me get a good policy that added value for my money. Their customer support agent Payal Kumari was very good. I purchased HDFC Insurance from her through complete assistance.

    By Jagbindar Singh
    On: Feb 29, 2024
  • User Reviews Reflect Reality

    Reading positive user reviews initially attracted me to InsuranceDekho, and now, after experiencing their HDFC Life Insurance services, I can confidently say that their review section reflects reality. The positive reviews, including mine, show the company's commitment to excellence in life insurance services.

    By Yashdeep Singh
    On: Feb 28, 2024
  • Amazing Insurance Company

    I am impressed with the team of InsuranceDekho. They helped me in buying an HDFC life insurance policy. I got it online through the InsuranceDeko Online service. They had multiple types of life insurance and the expert team helped in buy the correct life insurance for me. Thank You!

    By Hitesh Kumar
    On: Jan 25, 2024
  • Quick Working process

    The payment process for buying HDFC Life Insurance was very quick and easy. It was hardly a 2-3 minute process of buying and issuing the HDFC Life Insurance Policy on InsuranceDekho.

    By Bhupender Saini
    On: Dec 04, 2023

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  • What is the claim settlement ratio of HDFC Life Insurance?

    HDFC Life Insurance featured a high claim settlement ratio of 99.07% for the FY 2019-20.

  • What type of bank account proofs can be submitted for the claim settlement procedure?

    Original cancelled cheque, bank statement with pre-printed account number, IFSC code or a copy of the bank passbook can be submitted.

  • How will I know my claim has been registered?

    After sending the documents HDFC Life will send an acknowledgement letter within 15 days of receiving them. Any further requirements shall be notified via letter, email or SMS on your registered mobile number.

  • Where can I submit the health claim related documents?

    You can upload the documents online, visit the nearest HDFC Life Insurance branch office or you can submit the documents to the Health Claims Team for processing.

  • What to do if the policy documents are not available with the nominee?

    If the nominee does not have the original policy documents an Indemnity Bond should be submitted in the place of the policy documents. Note that the Indemnity Bond should be duly notarized.

  • What happens if the nominee has not been mentioned in the policy?

    In the absence of a beneficiary, your family members will have to produce evidence or proof to establish their right to claim the policy benefit.

  • What can be the cause of the decline of a claim?

    A claim will be declined if it does not abide by the following:

    • Declaration as well as authorisation that was mutually agreed upon by the insurer and insurer at the inception of the policy, as per the details of the application form
    • Terms and Conditions mentioned in the policy document
  • Who is a ‘Nominee’?

    Policyholders get to nominate a person at the time of filling up a policy proposal where he/she is entitled to the death benefits under this policy they are called nominees.

  • What is the claim settlement ratio of HDFC Life Insurance?

    HDFC Life's claim settlement ratio is 99.39%, indicating a high rate of successful claims being paid out.

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