HDFC Click 2 Protect 3D Plus

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HDFC Life Click 2 Protect 3D Plus is an innovative, non-linked term insurance plan that comes loaded with a host of features and benefits to ensure comprehensive financial protection for the policy holders and their loved ones.

Key Features of HDFC Click 2 Protect 3D Plus

Click 2 Protect 3D Plus is a non-linked, term insurance plan with Regular, Limited and Single premium paying options. There are 9 different cover options available to choose from with HDFC Life Click2Protect 3D Plus plan:

  1. Life Option
  2. Extra Life Option
  3. 3D Life Option
  4. Income Option
  5. Life Long Protection Option
  6. 3D Life Long Protection Option
  7. Extra Life Income Option
  8. Income Replacement Option
  9. Return of Premium Option

Benefits of HDFC Click 2 Protect 3D Plus

Let’s check out some of the most rewarding benefits available under the different cover options of HDFC 3D plan.

Life Option: Under this cover option, nominees assigned by the policy holder are paid the lump sum benefit upon the diagnosis of terminal illness or the death of the policy holder. In the event of accidental total permanent disability, all the future premium payments are waived off.

  • Death/ Diagnosis of Terminal Illness Benefit- Total Sum Assured is paid as a Lump sum benefit to the nominee upon the diagnosis of terminal illness or death of the policy holder. The policy is terminated, thereafter.
  • Accidental Total Permanent Disability Benefit- In the event of accidental total permanent disability, the future premiums for policy holders are waived off. However, the policy still remains in effect.

3D Life Option: Under this cover option, all the benefits of the life cover option are provided along with an additional future premium waiver upon the diagnosis of Critical Illness.

  • Death/ Diagnosis of Terminal Illness- Total Sum Assured is paid to the nominee in a lump sum upon the diagnosis of terminal illness or the death of the policy holder and the policy terminates, thereafter.
  • Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
  • Diagnosis of Critical Illness- In the event of diagnosis of critical illnesses, premiums payments for the future are waived off for the policy holder. Also, the policy stays in effect.

Extra Life Option: Under HDFC 3D Plus cover option, all the benefits of live cover option are provided to the policy holder along with an additional Extra Life Sum Assured option is provided to the nominee in the event of accidental death of the policy holder.

  • Death/ Diagnosis of Terminal Illness- Total Sum Assured is paid to the nominee in a lump sum upon the diagnosis of terminal illness or the death of the policy holder and the policy terminates, thereafter.
  • Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
  • Accidental Death – Upon the accidental death of the policy holder, Extra Life Sum Assured selected by the policy holder is paid as lump sum benefit to the nominee in addition to the Diagnosis of Terminal Illness/Death benefits. The policy terminates, thereafter.

Income Option: Under HDFC 3D Plus  cover option, the nominees are provided with a lump sum benefit and also a fixed income upon the death of the policy holder.

  • Death/ Diagnosis of Terminal Illness- Upon diagnosis of terminal illness or the death of the policy holder, total sum assured is paid out to the nominee in addition to a level/increasing monthly income for income period. Thereafter, the policy terminates.
  • Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.

Here’s what you need to do to get this cover option.

  1. Choose the amount of Lump sum benefit at the time of policy inception.
  2. Select the income period at the time of policy inception. The minimum time-frame is 1 month and maximum is up to 20 years. The income period starts upon the death of the policy holder and continues for the pre-determined timeframe.
  3. Select the amount to be paid out during the income period at the time of policy inception. This amount is paid in monthly arrears.
  4. Select rate of increase for the income at the time of policy inception. The increase selected is applied to the income from 2nd year of the income period.

Extra Life Income Option: Under HDFC 3D Plus  cover option, policy holders are given all the benefits of the income option, plus an additional lump sum benefit & Income benefit. This is paid upon death due to accident.

  • Death/ Diagnosis of Terminal Illness- Upon diagnosis of terminal illness or the death of the policy holder, total sum assured is paid out to the nominee in addition to a level/increasing monthly income for income period. Thereafter, the policy terminates.
  • Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
  • Accidental Death – Upon the accidental death of the policy holder, Extra Life Sum Assured is paid to the nominees. This amount is paid in same proportion in the form a lump sum payment and a fixed monthly income.

Here’s what you need to do to avail HDFC 3D Plan:

  1. Select an amount for Lump sum benefit at the time of policy inception.
  2. Select an amount of Extra Life Sum Assured at the time of policy inception.
  3. Select the income period. The minimum period for the same is 1 month and maximum is 20 years. Income period starts at the death of the policy holder.
  4. Select the Annual Income amount to be paid during the income period at the time of policy inception.
  5. Select the increase rate for the annual income, at the time of the inception of the policy.

Income Replacement Option: Under this cover option, nominees get regular monthly income upon the death of the policy holder.

  • Death/ Diagnosis of Terminal Illness- Upon the diagnosis of terminal illness/the death of the policy holder, 12 times of the Increased Monthly Income is paid to the nominees as the lump sum benefit in addition to the level/increasing income for the remaining term of the policy. Thereafter, the policy terminates.
  • Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.

Here’s what you need to do to choose this cover option:

  1. Select the annual income amount at the time of the inception of the policy. This is paid out in monthly arrears and is paid in 12 equal installments.
  2. Select level or Increasing Income option at the time of the inception of the policy.

Return of Premium Option: Under HDFC 3D Plus Plan option, all premiums are returned to the policy holders if the policy holder survives the term of the policy. Upon the diagnosis of terminal illness/death of the policy holder during the policy term, a lump sum benefit is paid out to the nominee. 

  • Diagnosis of Terminal Illness/Death – Upon the diagnosis of terminal illness or the death of the policy holder, total sum assured is paid out to the policy holders as lump sum benefit and monthly income for a fixed income period to the nominees.
  • Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
  • Maturity Benefit- Upon the survival of the policy holder till the maturity of the plan, total premiums paid are returned to the policy holder. Thereafter, the policy terminates.