Investor Presentaiton

Customer insights - Impact of Covid-19 Impact on LI category 1,2 Insurance sees a higher pickup post unlock with customers showing a higher disposition towards the category Evolved expectation due to Covid-192 23% More innovative product features 28% Flexible cover increase based on life stages Majority of customers were more positive about the industry, 1 driven by: 8&E 35% Realization of the importance of life and health insurance 34% Insurers' response to COVID-19 crisis 28% Increased awareness of personal needs and protection gaps Digital modes of payment also continue with their increasing trend and are slated to grow further Source: 1. BCG report, Aug 20, across Indian markets 2. 27 RGare knowledge centre, Aug 20, across Asian markets 23% Flexible benefit checks 8% Flexible premium payment terms 9% Other 3% More customer 6% Additional interaction health services Innovative and flexible product features remain the most important factors in prompting a purchase HDFC Life

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