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About the Plan

HDFC Life Click 2 Protect Life

HDFC Life Click 2 Protect Life is a online term insurance plan that offers comprehensive security at an affordable price. 3D stands for the three uncertainties that we face at some point in time, i.e. Death, Disability and Disease. With this online term policy, ensure that your family is safeguarded financially if an unexpected eventuality occurs. HDFC Life Click 2 Protect Life offers a wide range of 9 plan options to help one choose as per their need.

Avail 5.5% discount on premium for policies bought online.

Key Features

Provide financial protection to you and your family at an affordable cost

Customize your plan with a choice of 6 plan options

Protect yourself for whole of life with lifelong protection option

Flexibility to choose your policy and premium payment terms

Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals

Flexibility to increase your cover every year through top-up option

Special premium rates for female lives

Attractive premium rates for non-tobacco users

Tax benefits as per prevailing tax laws

Plan Benefits

Life Option

Life Option

Under this option Lumpsum Benefit on death or diagnosis of Terminal Illness is payable to the nominee. In addition to the death benefit, the future premiums are waived off in case of Accidental Total Permanent Disability.

Death Benefit + Terminal Illness+ Waiver of Premium for Accidental Total Permanent Disability

Return of Premium Option

Return of Premium Option

Under this option Lumpsum Benefit on death or diagnosis of Terminal Illness is payable to the nominee. The future premiums are waived off in case of Accidental Total Permanent Disability.

In case the life insured survives the policy term, he/she is gets the return of premiums as maturity benefit.

Death Benefit + Terminal Illness+ Waiver of Premium for Accidental Total Permanent Disability + Return of Premiums (in case life assured survives the policy term)

 Income Option

Income Option

Under this option Lumpsum Benefit on death or diagnosis of Terminal Illness is payable to the nominee. The future premiums are waived off in case of Accidental Total Permanent Disability.

Additionally, under this option the nominee will receive a regular stream of Income in the event of death of the life insured.

Death Benefit + Terminal Illness+ Waiver of Premium for Accidental Total Permanent Disability + Regular Income to the nominee (as per plan specifications)y

Eligibility

Plan option Life and CI Rebalance Life Protect Income Plus
Fixed Term Whole Life Fixed Term Whole life
Min. Age at Entry 18 years 18 years 45 years 30 years 45 years
Max. Age at Entry 65 years 65 years 65 years 50 years 10 pay:50 years Single Pay, 5 Pay:55 years
Min. Age at Maturity 28 years 18 years Whole of Life 70 years Whole of Life
Max. Age at Maturity 75 years 85 years Whole of Life 85 years Whole of Life
Min. Policy Term 10 years Single Pay:1 month Regular Pay:5 years Limited Pay:6 years Whole of Life 75 years-Age at Entry Whole of Life
Max. Policy Term 30 years 85 years - Age at Entry Whole of Life 40 years Whole of Life
Premium Payment Term Single Pay,Regular Pay,Limited Pay (5 to any PPT less than PT) Limited Pay (5, 10, 15 pay) Single Pay, Limited Pay (5,10 pay)
Min. Basic Sum Assured Rs 20,00,000 RS 50,000
Max.. Basic Sum Assured No Limit, Subject to Board Approved Underwriting Policy (BAUP)

Riders

HDFC Life Critical Illness Plus Rider:

A traditional non participating critical illness is created to financially protect you and your family. This Rider provides a lump sum benefit on diagnosis of any one of the 19 critical illnesses which you can use to cover expenses associated with the illness and let you concentrate on getting better.

HDFC Life Income Benefit on Accidental Disability Rider:

A non-linked non-participating rider Secure income in the event of disability.Adding this rider makes the coverage comprehensive as it promises to pay 1% of the rider sum assured every month to the insured for a fixed period of 10 years if the insured suffers total permanent disability in an accident.

(Riders are optional and are available at an extra cost.)

*T&C Apply. Insurance is the subject matter of soliciation.