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How To Get Duplicate HDFC Life Policy

Published On Jan 27, 2023 10:00 AM By InsuranceDekho

HDFC Life Insurance, headquartered in Mumbai, has a presence in over 980 cities to cater to customers' varied life insurance needs. There are a number of life insurance plans offered by HDFC Life such as the HDFC Life Click 2 Protect Plus plan, HDFC Life Personal Pension Plus Plan, HDFC Life Sanchay Plan, and many more. These life insurance plans offered by HDFC Life serve as a contract between the policyholder and HDFC Life, wherein the latter agrees to pay a specific amount of money to the beneficiaries of the policyholder, in case of the latter's death. Policyholders can also find all the plan-related details on their HDFC Life insurance policy document, however, many a time it so happens that the policy paper gets lost or misplaced. In such a case, it becomes important to issue a duplicate of the HDFC Life policy. Read on to understand how to get a duplicate of the HDFC Life insurance policy. 

How to get duplicate HDFC Life Policy

Ways To Get A Duplicate HDFC Life Policy

As the HDFC policy document serves as the sole document that specifies everything related to your plan, for raising claims, and performing so it is very important to keep your HDFC Life policy safe. In case the policy papers are lost, here is how you get a duplicate of your HDFC Life policy.

  • Submit An Application To HDFC Life: First and foremost, you need to inform HDFC Life about the loss of your policy at the earliest. You can either visit the nearest branch of HDFC Life or inform the customer team via a call. Your insurer will ask you to submit an application to issue a duplicate copy of your lost HDFC Life policy. While submitting the application, you need to provide details like your full name, HDFC Life policy number, the issuance date of your HDFC Life policy, and more. Along with these policy-related details, you also need to enter details such as the circumstances under which your policy was lost, or a complaint copy of the same. Moreover, in the case of a joint life insurance policy, you need to provide a joint application. Also, note that sometimes HDFC Life may even charge a nominal fee for getting a duplicate issued for your life insurance plan. 
  • Advertise About Your Lost HDFC Life Plan: Alternatively, you can publish an advertisement about your lost HDFC Life Insurance Plan. You can get that done in an English newspaper or a local newspaper to advertise your lost policy papers. Later on, after a month of advertisement, you need to send a copy of the same to HDFC Life.
  • Sign An Indemnity Bond: You also need to submit an Indemnity Bond if your policy is lost as this bond will protect HDFC Life from any kind of loss that may occur in case the original policy paper has been misused by anyone. Moreover, this bond also states that if you find your original policy papers back, then you are liable to return them back to HDFC Life. After you have signed the bond, then will the insurer get a duplicate copy of the indemnity bond issued.

However, remember that once a duplicate copy has been issued, the policy papers will also mention that the policy paper is duplicate on the top. So, as a policyholder, it is your duty to check all the terms and conditions mentioned on the duplicate copy and understand whether it is the same as the original or not. In case of any discrepancy, make sure to contact your insurer at the earliest. 

Popular HDFC Life Insurance Plans

Listed below are some of the popular HDFC Life insurance plans:

  • HDFC Life Click 2 Protect Plus Plan: The HDFC Life Click 2 Protect Plus Plan is a pure protection plan that aims at protecting the family of policyholders against any uncertainty. Available at affordable premiums, the HDFC Life Click 2 Protect Plus Plan offers maturity benefits as well as survival benefits.
  • HDFC Life Saral Jeevan Bima Plan: The HDFC Life Saral Jeevan Bima Plan has a bunch of benefits to provide such as tax savings, financial protection for your loved ones in your absence, regular payouts, and more.
  • HDFC Life Smart Term Pro: The HDFC Life Smart Term Pro plan provides life insurance coverage for the entire policy term. You can also enhance the benefits of this plan by adding a number of riders to your plan.
  • HDFC Life Smart Term Edge: The HDFC Life Smart Term Edge plan is best for getting both life insurance protection and receiving a return of premium after the policy has matured. The HDFC Life Smart Term Edge is available in three different variants: classic, step-up, and comprehensive plan. With the HDFC Life Smart Term Edge, you can get life insurance protection till the age of 75 years. 

Take Away

Thus, always remember to get a duplicate of your HDFC Life insurance policy issued in case it has been lost or misplaced due to any circumstances. Also, make sure to keep your duplicate copy of the HDFC Life insurance policy safe so that there is no problem in the future.

Also Read: 

HDFC Life Premium Calculation: Meaning, Benefits & Process


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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