HDFC Life Click2 Invest Plan

Introduction/Overview

HDFC Life Click2 Invest is a non-participating Unit Linked plan available
online which gives the dual benefits of wealth maximization and insurance coverage under a single plan

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  • Guaranteed Tax Savings

    Under sec 80C & 10(10D)
  • ₹ 1 Crore

    Invest 10k Per Month*
  • Zero LTCG Tax

    Unlike 10% in Mutual Funds

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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Key Features HDFC Click to Invest

  • It is a unit linked plan with Limited Pay, Single Pay and Regular Pay option
  • The following 8 funds are available for investment
  1. Equity Plus Fund
  2. Diversified Equity Fund
  3. Blue chip Fund
  4. Opportunities Fund
  5. Balanced Fund
  6. Income Fund
  7. Bond Fund
  8. Conservative Fund

Benefits of HDFC Click to Invest

  • The insured will get the total Fund Value on Maturity
  • Maturity Proceeds can be availed in equal instalments post maturity over a period of 5 years through the Settlement Option
  • On death of the policyholder, higher of the Sum Assured or Fund Value or 105% of premiums paid is payable to the nominee
  • Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

Product Specification:

 

Minimum

Maximum

Entry Age (Last Birthday)

0 years

 65 years

Maturity Age (Last Birthday)

18 years

75 years

Policy Term (PT) in years

5

20

Premium Paying Term (PPT) in years

5

20

Premium Paying Frequency

Yearly, half-yearly, monthly or Single

Yearly Premium

12,000

No limit

Sum Assured

Limited & Regular Pay –10*annual premium for ages<=55 yrs. or 7*annual premium for ages>45 yrs.

Single Pay – 1.25*SP

Details About Premium

Illustration for a policy term and PPT of 10 years:

Age

30 years

40 years

Premium

50,000

50,000

Sum Assured

500,000

500,000

Fund Value @ 4%

568,868

565,709

Fund Value @ 8%

709,694

706,184

 

Policy Details

Grace period: 15 days grace period is allowed for monthly mode and 30 days for other modes

Policy termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 5 completed years. If surrendered before 5 years, the fund value net of discontinuation charge will be credited to the Discontinued Policy Fund where it will earn a minimum of 4% p.a. growth. After completion of 5 years, the fund value in the Discontinued Policy fund as on that date will be paid to the policyholder. If surrendered after 5 completed policy years, the entire Fund value on the date of surrender is paid without any charges

Free look period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Inclusions

  • 4 Free Partial withdrawals are allowed every year
  • 4 Free switches are allowed every year for switching between funds
  • Future premiums can be redirected to a new fund via the Premium Redirection option of which 4 redirections are free of cost

Exclusions

  • The benefit paid in case of suicide within 12 months of policy inception or revival is the fund value as on that date.

HDFC Click to Invest - Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ online with accurate medical history.

You May also Like: HDFC Life ProGrowth Plus ULIP Plan
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 0 Reviews)
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HDFC Life Click2 Invest Plan Reviews & Ratings

0 / 5 (Based on 7 Reviews)
(Showing Newest 7 reviews)
Parul
Punjab, August 02, 2021
Inexpensive term plan
My friend is 30 year old and I am 25 years old and noticed a difference in our term plan price. I visited Policybazaar and read some blogs there. I found out that term plans are cheaper if you buy at young age. I am glad to buy this plan at the right time.
Amrita
Chail, August 02, 2021
Tax savings
I recently bought a term insurance policy from the website of Policybazaar. My plan has amazing features and some additional benefits due to an addon. The best part is I can also enjoy a tax rebate. I am so glad to buy this plan.
Pratap
Niwari, August 02, 2021
Purchased Online
My friend asked me to buy a term insurance plan online as it is cheaper and more convenient. I visited the website of Policybazaar and bought a term policy which offers great benefits at cheap rates. My online experience has been great. Thank you team.
Anurag
Modinagar, August 02, 2021
Protection against COVID
The pandemic had me worrying about the future of my family in my absence. I have been searching for a pure insurance policy to safeguard my family against any eventuality. With the help of Policybazaar now I my family is secure as a bought a specialized term plan made to help family of the policyholder.
Kashish
Meerut, August 02, 2021
Best customer service
I did not understand much about insurance but I knew one thing that I needed to secure the future of my family. I took help from the team of Policybazaar and they suggested me what would be best for me. I am happy with my plan. Thank you so much team.
Komal
Palwal, August 02, 2021
Huge coverage
I recently bought a term plan from the website of Policybazaar and I am happy with the product. I got a higher coverage term plan with additional benefits and at cost effective price. Now I am worry free for the future security of my family in my absence. Thanks.
Harisha
Gurgaon, August 02, 2021
Quick to buy
My friend suggested me to buy a term insurance plan online. I visited the website of Policybazaar and it took me about half an hour or maybe less to buy the plan online. The experience was smooth and I am happy with my plan. Kudos team.
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